vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-10 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
EXPERIAN is illegally and unlawfully reporting information on my credit file. I 've asked for the following information : a ) Federal Reserve form XXXX registration statement, ( b ) Federal Reserve form XXXX XXXX prospectus, XXXX Federal Reserve form FR XXXX balance sheet XXXX Federal Reserve form FR XXXX balance sheet XXXX Federal Reserve form XXXX balance sheet XXXX The Deed of Trust. XXXX XXXX XXXX Chain of custody and They have not responded to my request. I also asked them to present a certified final forensic audit from EXPERIAN in accordance with XXXX in accordance with basel XXXX accord and XXXX conventions. I also asked them to present these documents from the following vendors/creditors as well as the original signed application to validate the authenticity of the debt in question according to the FCRA 15 U.S.C. 1681 : XXXX XXXX & XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, 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 non-monetary relief
Consumer complaint received 2016-06-02 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I had disputed this company previously, I do not have the case number. I am uncertain why they would be putting inquiries on my credit and I would like an explanation and I would like for it to be removed. Inquiries effect my credit score. I was notified about this action through XXXX XXXX. Thank you

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 2016-02-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Statebridge Company
State: NJ

Complaint narrative:
I have fallen into a financial hardship with maintaining my mortgage. In XXXX of 2012 my wife went into the hospital for XXXX. This change has effected my life substantially. It caused a reduction in hours I was able to work to take care of my wife. I have made necessary modifications to the home so that my wife can function effectively in her XXXX around the house. I have attempted on several occasions to seek assistance with the Lender for the chance to get caught back to current with some sort of repayment plan or work out option. However, I keep being told that our Private Investor does not assist with modifications. I do n't understand why I can not get assistance with the government programs that are available for homeowners in my type of situation or just something that will help me keep my home. I have never requested or received any assistance in the past and the first time that I beg for some type of help I get rejected every time. there is no where for my wife or I to go, especially with her specials needs to get around. I felt that it should be exposed how this Investor of mine is not willing to help their borrowers, not even once. It 's just devastating.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
When I bought my home in 2015 the XXXX XXXX company was a paid prior to being a charge off and is reporting wrong. 
I am trying to get a fixed 30 year loan and this is now back on my report incorrectly please fix ASAP as I will not be able to refinance

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 2017-02-07 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been requesting Experian to investigate inaccurate reporting on my credit report since XX/XX/XXXX I have not received any results back from the investigation that has taken place. Certified letters have been mailed XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. I have received a response that a telephone number has been deleted. I have requested the inaccurate reported accounts be investigated. To date, Experian has refused to investigate the inaccurate information.

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 2015-06-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian, credit report, refuses to send me my disputed credit report. Experian is giving me a very hart time, since XXXX 2015, that I am disputing XXXX items that are not mine and dont belong to my self. Experian its not complying with State and federal Laws and Experian is braking State and Federal Laws. After 30 to 45 days by Federal Law Experian must mandatory send me my dispute on my credit Report. Until present, and after 45 Days Experian did not send me my results of my dispute. I am requesting to the CFPB, to investigate Experian and to request from experian my dispute, that experian did not send me after 45 days time limit, my credit report. Its a Fedral Law, and experian Must comply with it..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I did not authorize the following hard credit inquiries that appear on my credit reports and would like them removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian continues to report inaccurate information on my credit report even after several attempts to correct them. They refuse to fix it. I 've been disputing the accounts of the U.S. Department of Education for over a year. Experian is the only company that has n't deleted these accounts in full. These accounts are from XX/XX/XXXX and XX/XX/XXXX which are older than seven years. Experian will delete one account then leave the other and when I dispute that one they will delete that one and put the other one back on. These accounts were consolidated and being reported by XXXX so its also reporting twice on my credit 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 non-monetary relief
Consumer complaint received 2015-11-22 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Over a month ago, i filed an dispute with Experian and advised them that reporting on my credit report that inquiries stay after one year is false. I advised them to delete the inquiries at the two year mark exactly.. Experian did not send back to me any results and the following inquiries are in my file : XXXX XXXX XXXX, XXXX Bank XXXX , XXXX XXXX , XXXX XXXX , XXXX XXXX , XXXX XXXX, XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX card XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I reviewed my account around XXXX 2016 and disputed some inaccuracies on my credit report. I completed a dispute with Experian to ensure that inquiries from XXXX, XXXX, XXXX, XXXX, XXXX ( which appeared twice ), XXXX, XXXX be investigated as they were inaccurate. I reached out to the vendors to verify most of the inquiries and they stated that I never even had an account open with them.

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 2015-10-16 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I called my credit card company because I was having problems registering online so I could see my bill and pay it. I spoke to customer service who had me verify my account and then they transferred me to technical support who had me verify my account again. Not wanting to go through a lot of hassle I told him that he did not have to assist me and that he could send my back to customer service. When he did they ask me to verify my account again. Frustrated I asked for a supervisor, and was transferred to fraud and accused of not verifying my account. I said that I did verify my account but I should not have to verify it 4 to 5 times on the same call. Besides I called to look at my account online not to get information about my account from anyone on the phone. I spent a lot of time speaking to fraud, a lady named XXXX who was having a hard time taking my complaint. She finally transferred me to XXXX who identified herself as a fraud manager. I again asked her how do I place a complaint. She was evasive and disingenuous throughout the call and she lied telling me there was only one way to make a complaint. She told me that she had documented my complaint and asked her how could she had if I did n't give it to her to document. I hung up after getting no where and called back for a supervisor to make a complaint. I got Someone name XXXX. Who verified me and told me there was a block on my account. I asked him if that meant I could not make a complaint. He put me on hold and came back with XXXX from Fraud. We went around in circles before she realized that this was n't a fraud case and she transferred me to XXXX who identified herself as an account manager. She told me that I could make a complaint to the office of the president and she gave me the address and she took my payment. All of this took about an hour and a half of my time. I do n't know if my account is still blocked but I want Citibank Office of the a president to know about disgraceful exchange with me so the individuals could b addressed for their poor customer service. No one should have to be verified 5 times on the same call.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent a letter to Experian letting them know I have been a victim of identity theft and there were several accounts on my credit showing that did not belong to me. Experian did n't remove the accounts they sent me a letter back saying that the items had been verified. I have requested an investigation and re-investigation on XXXX 2016, XXXX, 2016 and again on XXXX, both times my request were ignored. I am asking that these accounts be removed as they are fraudulent and XXXX request to be investigated have been ignored.

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 2017-02-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have a {$140.00} unpaid charge for a gym membership I paid for. I never missed a payment. I want continuously charged after I gave written notice of quiting the gym. I successfull had to dispute the charges though by bank XXXX, but a single charge remains for the month of either XX/XX/XXXX or XX/XX/XXXX that has been paid.

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 2015-06-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX SOC SEC # XXXX DOB XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX acc # XXXXExperian Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX number XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX 2000. 


I recently submitted a request for investigation of an Acct Number : Account name : XXXX Account number XXXX .... 
Account name : XXXX PAYMENT SYSTEMS Account number XXXX .... 

I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX TransUnion, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXXXXXX XXXX, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX XXXX SOC SEC # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
EXPERIAN DOES NOT SEEM TO PARTICIPATE WITH XXXX I HAVE ATTEMPTED TO REQUEST MY CREDIT REPORT FROM ALL XXXX BURAUS. EXPERIAN IS THE ONLY ONE THAT GAVE ME " UNABLE TO GRANT YOUR REQUEST '' MESSAGE. SAME THING HAPPENED WITH MY FRIENDS. 
WE WERE NEVER ABLE TO PULL OUR EXPERIAN REPORT FROM XXXX ALSO, THEY HAVE BLOCKED THEIR PHONE LINES WITH NO AVAIL TO REACH A LIVE PERSON THIS HAS BEEN GOING ONE FOR 38 DAYS NOW AND HAVE BLOCKED ON LINE ACCESS TO MY OWN FILE THROUGH XXXX OR XXXX THIS HAPPENED BEFORE AND SEEMS TO BE THE STALL TACTICS USED BY EXPERIAN. UNFAIR TO ALL CONSUMERS AND NOT A RIGHT WAY TO CONDUCT BUSINESS ON THE NATIONAL LEVEL!!!

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 2015-08-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
XXXX 2014 unpaid for {$37.00} I have never had XXXX service in my life this is not mine please fix this problem

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I really need help because I have been disputing a few accounts on my file for a few months and I am getting no where with the bureaus. I asked for their assistance and I did not receive it. I asked for them to put a temporary fraud alert on my file and they did n't. I asked for the documents that were used to " verify '' these accounts and they did not provide them. this is my last resort and I have already consulted an attorney in regards to bringing a lawsuit against them. why are they making this so difficult to remove these inaccuracies when that is their job to make sure this stuff is actually accurate? They did not investigate these accounts and if they did, they would have the documentation to validate these accounts.

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 2016-08-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Please find attached copy of my recent credit report from XXXX credit reporting agency. On page XXXX of this report is currently showing an incorrect amount of tax lien from XXXX county, CA. recorded XX/XX/XXXX. Its effecting my credit score greatly in a negative way. I am hoping you can help me resolve this problem with XXXX county tax collector. I have filled a chapter XXXX bankruptcy in XX/XX/XXXX and the current amount showing on the report should be modified to reflect accurate modified judgment amount set forth by the court after the chapter XXXX BK filing. Presently, I am paying to new set amount of amount of approximately XXXX dollars {$4000.00} for which, I am currently paying in on instalments basis. Please, help me correct this issue with the XXXX county tax collector. I have tried calling and wrote letters to them in the fast but, they have not responded to any of my complaint. 
thanks. 
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 non-monetary relief
Consumer complaint received 2016-06-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I had a collection account on my credit report with XXXX in the amount of {$410.00} with account number XXXX .... They originally had XXXX XXXX XXXX attempt to collect this debt and I was able to sue with the help of XXXX XXXX, XXXX and I won a settlement of {$1000.00} as a result. I then paid the account and settled for {$230.00} on XXXX XXXX and attached the proof. I filed a complaint with the FCC on XXXX XXXX ( CASE XXXX ). They just gave me a generic response and I attached it for you to review. I called XXXX XXXX at XXXX XXXX XXXX XXXX and it kept going to voicemail. I then called XXXX XXXX XXXX XXXX and spoke to a young woman who refused to give her name and at first could not locate my file with my social security number. Then she found my file with me giving my name and said I owed {$90.00}. I told her I had already paid the account on XXXX XXXX and she said there is no record of that. Then she put me on hold and came back and said, oh no wait, it shows you made a payment on XXXX XXXX and it will be updated on your credit report as deleted. I confirmed that it would be deleted and she said no, it will updated as paid. I told her I paid this account almost 3 months ago and why is it taking so long to report as paid. She said the payment just went through on XXXX XXXX but it was drafted from my checking account on XXXX XXXX. I am very upset that a company like XXXX can take advantage of consumers like this and damage their credit reports for mistakes they are making.

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 2015-10-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
experian has reinserted unverifiable accounts once deleted.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I had an account with XXXX XXXX for {$470.00}. It defaulted. It was sold to XXXX XXXX XXXX. Both are reported as separate or duplicate debts. Experian says they will not investigate it further ( Mail Dispute ). XXXX XXXX states they do not own the debt. I called to have one of them removed from my report and spoke to XXXX today at Experian. He states Experian has the right to double, triple or more report the same data as it also contains payment history and none of it will be removed. I enclosed the one for XXXX XXXX XXXX and another one exists if you need it that is separate for 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 2016-04-20 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:
Multiple attempts to get my Experian report online ( XXXX ) have failed in spite of entering accurate responses to their questions. This only happens with Experian. It should not be so difficult to get my report, they are making it intentionally difficult and do not provide adequate or timely methods to resolve report request related issues. It feels as though they intentionally provide contact info, phone numbers and online information geared toward subterfuge. Very frustrating. Thank you for your help and consideration.

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