vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX pa, XXXX XXXX Account # XXXX no contract no signature

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I consistently have to dispute accounts with Experian. I can not do online disputes because the system generates questions that have nothing to do with me, my identity nor my credit report. I 've gotten asked twice to verify a mortgage account that is n't even on my credit report nor did I have XXXX opened in XXXX. When I call all I get is transferred constantly. Today is XXXX/XXXX/XXXX I 've been on the phone for over 30 minutes, transferred twice. I ca n't get a fraud alert placed on my account. I ca n't seem to do anything but, they keep placing false information on my credit report. I 'm tired of having random things put on my credit report by Experian. I am not having this issue with any company other than Experian. And I pay for a membership with them through XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I had an agreement with this company to be on a hardship program. Part of this program I was allowed to make smaller payments for a certain amount of time. This company took money from my checking. This was to help me to get me back on my feet and not to damage or impact my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
There is incorrect name and address information on my credit report. I was informed of this by Experian and XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The XXXX XXXX Account # XXXX Please have this deleted on my report. This has been paid and I never use it again. 
Please update my records and credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
incorrect information-name address, age, race, criminal report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian refuses to remove an account that is not mine from my Experian credit report. The account is with XXXX XXXX CARD and the Account Number is XXXX .... This account is not mine and I have informed the credit grantor who has advised me they will remove it from my credit report, but Experian refuses to do so even though XXXX and XXXX have removed it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XX/XX/XXXX I discovered a judgement on my Experian credit report listed with with the line item reference # XXXX. I never received any mail or communications about the underlying matter. Upon further inquiry I found that the California Franchise Tax Board ( CA FTB ) was the Data Furnisher regarding this item. 
Upon speaking with a CA FTB representative I was told that their records were missing my XXXX tax filing records. My Federal and State returns were both filed however I supplied CA FTB with the information that was claimed to be missing from their records. 
I was told that the processing timeline was a minimum of 6 months. After months of waiting the resubmitted filing was processed and the findings of the data furnisher were disclosed to me. The California Franchise Tax Board found that I did not owe any taxes and as such did not have any tax liability. On the contrary the CA FTB actually owed me and sent payment of {$510.00} to me reflecting the same. 

The {$2800.00} tax lien that was put on my credit report was found to be incorrect upon the conclusion of this matter. I am attaching a copy of the refund check issued XXXX/XXXX/XXXX by the State of California Treasurer upon conclusion of this matter, as well as a printout of my total tax liability and refund for the XXXX tax year from the CA FTB website, relevant to item # XXXX listed as an erroneous judgement on my credit report. 
Upon processing of the facts the data furnisher concluded that I did not owe and that they actually owed me. This conclusion means that the tax lien put on my account ( which was an assupmtion that was proven wrong ) should not be shown as released on my credit report as that implies that I previously owed the CA FTB and later satisfied payment. On the contrary, the tax lien should be deleted from my credit report as the CA FTB concluded that I did not have any tax liability for XXXX so the lien was null and void and the data furnisher turned out to actually owe me. 
The erroneous information listed on my Experian credit report states that I previously owed {$2800.00} in taxes which is not true because the taxes owed was discovered to be {$0.00}. This unfair reporting must be deleted and permanently removed from my credit profile. 
For some reason Experian has refused to update this item and I have had received unwarranted scrutiny from underwriters because of their ability to see a judgement that I did not owe. Please help as I continue to be denied favorable credit decisions personally and for business due to this violation of the FCRA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Back in 2014 I went in for a free consultation for XXXX through a company called XXXX. After deciding not to have any treatments done whatsoever, I was sent a bill with my name that had a line of credit for {$2000.00}. I then started receiving bills to pay off the balance that I did not owe in the first place. About three months later the company went black nationwide, just overnight the company vanished and every facility was vacant. Since then my account through XXXX was sent to a collections agency XXXX. I have sent XXXX XXXX XXXX XXXX XXXX after XXXX, sending a handful of letters and complaints through them to XXXX, but the only thing that has changed on my credit report is it states CBG ( Closed by grantor ), unfortunately this does n't mean that it has been wiped clean from my record at all. I need this fraud of a company removed from my credit report once and for all because it is causing a lifetime of damage from applying for a small loan or credit card, to renting an apartment or car.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The wrong address in XXXX of my reports I have never lived at

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX is reporting XXXX late payments from 2013 between XXXX credit cards and have been unable or unwilling to provide the proof I was late. I am applying for a mortgage and these XXXX late payments which are unsubstantiated are damaging to my financing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX a Giant in the communications world feels the need to continue reporting negatively on my credit report I an Fully XXXX and have paid the creditor in full account XXXX continues to report negatively simply for sport

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This complaint is in reference to XXXX account XXXX. 
In my view, it is not a reasonable procedure to label an account that has been discharged in bankruptcy as " Collection '' if the account was open and not charged off and I filed bankruptcy. Refer to the current credit report. I filed for bankruptcy on XXXX/XXXX/XXXX. Such a designation would be inaccurate or misleading, because it would indicate that the XXXX XXXX XXXX had written off the account at the time of bankruptcy when it had not in fact done so. Continuing to report a discharged debt as due and outstanding after bankruptcy is a violation of the US Bankruptcy Code. May I reference two cases : In re XXXX, XXXX ( XXXX ). Here, the court relied heavily on two cases, XXXX ( In XXXX XXXX ), XXXX ( XXXX XXXX ) and XXXX ( In XXXX XXXX ), XXXX ( XXXX XXXX ), for the propositions that when a creditor falsely reports unpaid balances which are stayed or discharged by a bankruptcy, it impermissibly attempts to collect that debt in violation of the automatic stay... and the discharge injunction... 
I order you to remove this account from my credit report.If you do not immediately cease and desist the negative reporting to the CRA 's, I will file a Motion for Contempt and Request for Sanctions against you in bankruptcy court FL Southern District, Per the XXXX case, negative reporting on a discharged debt is a violation of the permanent injunction of my discharge ( XXXX XXXX/XXXX/XXXX filing date, XXXX/XXXX/XXXX discharge date ) and as such you are in contempt of a Federal Court Order with your continued negative reporting on the discharged debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
This is in follow-up to my complaint XXXX Experian 's XXXX/XXXX/15 response to my CFPB dispute, Experian specifically states " ... To request a security freeze, log on to www.experian.com/freeze ... ... " But after trying online several times over the past month, Experian instead continues to not accept my security freeze request - UNLIKE EVERY OTHER CREDIT REPORTING AGENCY. Experian apparently is continuing to make the process as burdensome as possible to discourage implementation, and maximize their profit opportunities. 
. 
Once again, by way of this complaint, and as a likely victim in the XXXX XXXX XXXX XXXX breach, I am notifying Experian that I will hold them strictly liable for any damages I incur from their failure to implement a timely Security Freeze, including their lack of a clear, concise problem resolution.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I discovered an unknown medical account dating back from XX/XX/XXXX on my Experian credit report so I filed a proper dispute with Experian by way of certified mail as they are the only credit reporting agency that is reporting this unknown medical account. The certified letter was sent on XX/XX/XXXX Experian received it on XX/XX/XXXX and I received their response XX/XX/XXXX. Experian said that XXXX had verified the account and if I had any other questions concerning the account I should contact the collection agency. I sent XXXX a letter by certified mail on XX/XX/XXXX which they received on XX/XX/XXXX asking them for validation of the account but I have never heard anything back from them. I sent another dispute letter certified mail to Experian on XX/XX/XXXX stating that XXXX XXXX XXXX XXXX had not responded to my validation request and has provided no verification of any kind for this account. I also included in the second dispute letter to Experian a copy of the letter I sent XXXX XXXX XXXX XXXX and proof of their having received it. The second dispute letter sent to Experian asked that the aforementioned unknown medical account be removed from my credit report due to XXXX XXXX XXXX XXXX XXXX failure to provide any validation of the account what so ever, this letter was received by them on XX/XX/XXXX. I then checked my Experian credit report on Friday XX/XX/XXXX and discovered that this unknown medical account was still reporting with these new statements included, " Reinvestigation information this item remained unchanged from our processing of your dispute in XX/XX/XXXX '', and this " Collection as of XX/XX/XXXX ''. Experian 's refusal to properly investigate this is a violation of the FCRA and FACTA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: LDF Holdings, LLC
State: NJ

Complaint narrative:
I did a payday loan, and was told after the loan was in my account I would get charges interest rates everyday the loan accrued interest, which sounds odd to me. I was laid off and called the company my account was placed on hold until I went back to work and now I am getting threatening emails, even with the account being noted it is on hold. I received this tonight, the loan was XXXX and I made XXXX payments of XXXX on the loanHello XXXX , This is an urgent notice. We have not received a payment on your past due account of {$520.00}. We understand that complications arise and we are willing to negotiate a settlement for your overdue balance. We have reviewed your account and are willing to settle the balance of {$470.00}. If you do not respond to this email immediately then we will move your account into further collection. Contact our Retention Department now at XXXX to avoid your account going into further collections. 

LAST CHANCE OFFER ENDS XXXX XXXX, 2015. 

For Credit/Debit Cards : Call us at XXXX to process a payment over the phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I 'm a victim of identity theft and fraud accounts was open in my name I never authorized nor gave permission or had any knowledge of also my XXXX account was ran up with charges I did n't authorized nor had knowledge of and XXXX card. XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX and charges from XXXX XXXX XXXX XXXX. I 've always kept this account in good standard now there are charges I never authorized.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Despite sending 3 letters to Experian credit reporting agency along with multiple legal documentation discrediting the incorrect reporting on my credit report, they did nothing! In fact, even the statement I asked them to place to place on the credit report was truncated to XXXX sentence which was not even written by me. I tried contacting both Experian and XXXX without success over the past 6 months. The Experian number only allows one to order reports and there is no option to speak to a representative. The XXXX number does not even work. A credit reporting agency should know that an account can not be charged off more than once and yet despite supplying them with legal documentation they continue to report XXXX charge offs. There was no loan with XXXX XXXX that was charged off in XXXX 2014 and XXXX 2014! A charge off can only happen once to one loan/account. Moreover, when I requested a description of how Experian processed the dispute, I received another credit report without any description or justification for the incorrect reporting. Not only did Experian disregarded my requests to include a statement in the credit report, they made no effort to correct the erroneous and damaging information they continue to disseminate while the other credit reporting agencies are reporting the account correctly ( please see attached ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I thought I was on U.S. Government Site. The Company 's name is XXXX. It was advertised as free. Now I 'm worried. I gave them personal information. After the information they asked for a fee wanting my credit card number. The original site I went to was U.S. Government 's Official Web Portal USA.gov. Then I was switched to a company called XXXX. I sent them an E-mail explaining on what happened to FREE? I have n't received a response yet. 

SincerelyXXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Enclosed is a report dated XXXX of XXXX. In this report, concerning XXXX of XXXX credit card XXXX ... .. there are several issues. If I am incorrect please provide me with a copy of the law stating so, however I do not believe I am incorrect and after this complaint, if not fixed I will obtain legal council and attempt to recapture every dollar spend in interest that I should not have had to pay due to higher than necessary interest rates. 
Issues:1 ) You are stating that I am {$2000.00} past due as of XXXX XXXX. This account was written off in XXXX of XXXX at which time I paid my tax penalty on the amount and the account is done. I was past due that amount back at that point ( again XXXX ) but not currently. I agree that the statement preceding that is correct, " Account charged off, {$10000.00}, written off. '' but not that I am CURRENTLY past due. 
2 ) On page XXXX, you have me listed at " CO '' in XXXX of XXXX, then XXXX of XXXX. That is making me look as though I am a severe repeat offender. If the account was written off in XXXX then it was not written off in XXXX. If it was in both time please provide proof because my understanding is that the bank can not write the account off XXXX and get XXXX the tax benefit. If that have done so that I believe it is a burden on Experian to report XXXX XXXX XXXX to the IRS for tax fraud. 
3 ) You are listing as actions taken to being 'CO ' in XXXX of XXXX, then in XXXX and XXXX of XXXX, again in each month of XXXX, then I have no charge offs in XXXX and XXXX but every other month in XXXX. That accumulates to a total of 19 months that XXXX XXXX XXXX has charge my account off. Again that is making me look as though I am a severe repeat offender. XXXX account got charged off, at one time and I paid the price. Please reflect that in my report. 

I will continue to pursue these correction until they are either corrected or you can show me the actual law stating that you can XXXX me XXXX times on XXXX issue. However, my next complaint with actually come from both an attorney and other agencies such as the Texas XXXX Attorney General 's office.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX, XXXX and Experian are all reporting incorrect items on my credit reportand to date have ignored our attempts at getting these items removed, corrected and changed?! We certainly know our valid correct legal names, where we have ever lived in forty-three years of marriage and where we have never lived or had a postal box?! Alsopublic records is reporting incorrect information on a supposed judgment by XXXXfiled in XX/XX/XXXX and no later where we have a letter from XXXX and the FDICstating very clearly that NO SUITS were ever filed. The XXXX accounts in question were charged off in XX/XX/XXXX. We think these judgments should be dropping off as we are in the seven year time frame now and that legally they should never have been filed if in fact they were as we were in a debt settlement program with XXXX XXXX XXXX in XXXX, AZ from XX/XX/XXXX and the XXXX accounts were in the program which XXXX agreed to?!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief