vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
An old Debt that should have been removed from my Experian Credit Report, Account number XXXX by XXXX XXXX remains on my report. It represents a debt that is well over seven years old.

Company public response: Company 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 — Inadequate help over the phone
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
my experian credit score drop XXXX points and I have done nothing in past XXXX days to make it go down. 
I have been making payments on tradelines on time and never late over XXXX years my score was at XXXX in XX/XX/XXXX in XX/XX/XXXX drop to XXXX and in XX/XX/XXXX drop to XXXX I received a copy of my credit report from annual credit and their has been no Identity theft the only thing on Experian is my ex wife name is on it and a few inquiries I do not " recognize '' and I have been legally divorced since XX/XX/XXXX she should not be on any of my credit reports I have spoken to " experian '' and they said something about a segment program that they use to calculate my score that uses other people score in my category and that the older anything negative on your report is the stronger it is thought it was reverse I thought that my score was based on individual credit behavior not anyone else I feel like I can not get my score past XXXX even though I have paid my current obligations on time never late for over XXXX years VERY DEPRESSING I ask that this agency investigate my claims

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 2015-09-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Everything on my Credit Report is accurate except my score is not going up as it should be because I make all my instalment and revolving credit payments on time, just for example it went down XXXX points a couple of days ago for no reason. I suspect that it could possibly be some kind of identity theft involved because my score should be at least over XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XXXX is reporting to Experian that I have a balance, when the mortgage was paid in full in XXXX of 2016. I have disputed sevaral times and Experian is saying that the balance is being verified, but that can not be possible. I have sent them a lot of supporting documentation, including a letter from XXXX thanking me for paying my mortgage in full and a copy of the bank check used to pay off the mortgage. The item has been removed from XXXX and XXXX, but I can not get Experian to update or remove.

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 2016-03-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Attached is a copy of my ( 1 ) Social Security Card with correct name and my Drivers license with correct address ( 2 ) Divorce Decree ( 3 ) Copy of Experian Personal Information report Please correct my Personal Information Name field to reflect my correctly spelled legal name : XXXX XXXX ( only ) and the Addresses field has XXXX addresses listed that are incorrect. I have never lived at : 1. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX and the Addresses field has 2 duplicate addresses. Please delete address identification numbers : a ) XXXX ( XXXX XXXX-Residence type : Multifamily ) b ) XXXX ( XXXX XXXX XXXX XXXX Residence type : Multifamily ) Spouse or Co Applicant field : Remove XXXX ( attached divorce decree ) Telephone numbers : Delete XXXX ( my xhusands cell number ) Delete XXXX XXXX ( residential : I do not know this number )

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 2015-04-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I sent experian a certified letter, return receipt requested. Disputing late payments with my XXXX XXXX account. ( They are reporting I was late last month ) I included in this dispute, the actual trade line from my Experian Credit report, A print out of all my received payments from XXXX website, A letter signed and dated by me, asking for them to do a verification of their reporting. I received back a letter saying.. " We received a suspicious request regarding your personal credit information that we have determined was not sent by you '' they went on to say they are ignoring my request. 

This was a legitimate dispute, there is no reason to think it was from anyone else.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29 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: IN

Complaint narrative:
Received a letter from Experian stating that a changed has been made to my account. They provided XXXX phone numbers to which I called. The recorded message said there has been a changed to my information and if I did not make those changes stay on the line to obtain a credit report. I called several times and held for for a total of fifteen minutes only to be hung up on. 

Experian has a habit of not allowing the consumer access by phone and if you ( the caller ) do n't respond to the prompts ( even if the prompts do n't apply to your situation they hang up the call. It 's there tactic of avoiding the customer/consumer. Experian are not accountable.

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 2016-05-03 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:
I recently received a copy of my Experian Credit Report ( XXXX ) on XXXX/XXXX/2016. For several months I have been disputing what I believe is a questionable Hard Inquire from XXXX XXXX XXXX dated XXXX/XXXX/2016. I have disputed the inquire with the XXXX other major Credit Bureau and upon the completion of there investigation they determined that inquire were to be removed from my Credit Report. Experian continues to refuse to remove the mentioned hard inquiry from my Credit Report and continue to deny my right granted to me by the FCRA. If the other XXXX major credit bureau conducted there investigation and determined to remove the inquire from my credit report it could only result in the ethical and trust worthiness of how Experian handles disputed items from consumers.

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 2016-12-15 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: FL

Complaint narrative:
I requested all XXXX reports. I got through the XXXX process just fine. Got that report okay. 
But the " Get your next report '' button on the annual report webpage does not respond. So there is no way to continue on to the next XXXX reports that I requested. So I went back into the request process, and now Experian says that " Our records indicate that you have already received your free annual credit report from Experian. '' I have not received anything from either Experian nor XXXX yet. 
How can I get them now? The Experian " Contact '' page does not work. It lets you enter comments and then it displays an error message and tell you to re-enter the contact info. So there 's no way to get someone at Experian to even know there 's a problem. This is really frustrating.

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 2016-12-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My bankruptcy was supposed to be removed XXXX of last year nd they will not remove it. I have asked numerous times but they have not 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 2016-07-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: ME

Complaint narrative:
Pursuant to FCRA I am writing to your company today to advise you of ID Theft resulting in fraudulent accounts/inquiries on my credit, you are required to investigate any negative and/or derogatory listing which I submit a dispute on. When I have notified you of the following information the proper action has not been taken. A proper investigation has yet to take place, if this complaint is closed without proper action being taken by your company. I will seek legal means to take action against your company through the judicial process. I have sent all paperwork necessary for a dispute with Experian, including an affidavit, police report, letter from the DA, and a cover letter on which accounts I was a victim of identity theft. I mailed them US priority mail, I have yet to get a response back. The police report and the letter from the DA verified that I have had numerous accounts that had been opened fraudulently while serving in the US Military. There have also been countless inquiries considering the accounts/inquires were opened and or requested without my knowledge or consent FCRA requires them to be removed within 30 days. If this is not done it is punishable { {$2500.00} } per offense. I will seek the maximum allowed by law if the following accounts/inquires are not removed within 30 days for receipt of this complaint. First I want to address the is the collection account XXXX from XXXX XXXX. Second I would like to address XXXX from XXXX XXXX XXXX XXXX This account was mine, however, I was never late! And, I paid it off. Please refer to my XXXX credit report that I have attached for verification. Third account # XXXX from XXXX FI. This was not me and is fraudulent. Fourth account # XXXX with XXXX XXXX This was not me as well. Fifth, account # XXXX that was originally with XXXX and now is with XXXX. Again, this is not me and I 've sent documentation from local law enforcement proving all of these were identity theft. Sixth is account # XXXX that was originally with XXXX XXXX XXXX XXXX XXXX A and now is with XXXX XXXX XXXX XXXX is account # XXXX that was originally with XXXX and is now with XXXX XXXX XXXX I have never even been to this place. Eighth is account # XXXX that was orignally with XXXX and is now with XXXX XXXX XXXX Again, I have never been to this place. Ninth is account number XXXX with XXXX XXXX. I have sent notice to the companies directly and they have been ignored so under FCRA these all need to be removed and/or fixed without further delay. As a credit reporting agency when a company fails to provide PROOF which they are not able to do ( The addresses and phone numbers on these accounts do not match my own or the companies simply will not provide the information ) the accounts must be removed BY THE CREDIT BUREAU under FCRA.

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 2016-02-08 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
You must remove the Fraud alter from my credit profile!!! 

You must remove the inquiry for XXXX XXXX XXXX XXXX from my credit report!!!!! 
XXXX card balance is not correct!!!! 
XXXX XXXX XXXX card balance is not correct!!! 
XXXX high balance XXXX is displayed and affecting my credit account is closed MUST BE DELETED XXXX BALANCE IS INCORRECT!!!! 
XXXX MISTAKE MUST BE REMOVED OFFICE RAN APPICATION THREE TIMES!!!! THET AGREED TO REMOVE IT MY ADDRESS NOT CORRECT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX I request the method of verification, under the FCRA section 611 ( a ) ( 7 ). 


Escalate his call to a supervisor do not use the XXXX. System You must update my 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 non-monetary relief
Consumer complaint received 2017-02-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX credit card was sent to wrong address. I believe this was their fault and not mine, as I gave them my correct address.

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 2015-09-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Background screening for lease on new house turned up someone else associated with my social scurity number on credit check.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-26 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have been requestign a credit report freeze to be lift temporarily with all credit reporting agencies. XXXX and XXXX were fast and efficient. Experian on the other hand has been extremely difficult first they NEVER sent to me the PIN number upon the original freeze being placed in XX/XX/XXXX ( I have all the paperwork from a case of identity theft ). When I requested the PIN number to be sent on XXXX XXXX XXXX, the person on the phone indicated that he has requested it and it will arrive in 7-10 days. When it did not arrive in 7 days I called again. It seems they had no record of the request being put into the system, when I was not satisfied with the answer provide - put all my information into the system to request a new PIN, I requested this case be escalated it to the next level of management. This was done but only after I insisted 3 times. Then I was deceived and lied to - first that no agency had requested my credit report ( in fact XXXX had as I am in the process of taking out a home equity loan and buying a new house - both confirmed on the phone and in writing that the lenders could not access my Experian account ), XXXX ) was told that there is no one that this person ( XXXX ) reports to when I asked to escalate to the next level ( now I was feeling lied too - this was corrected - apologetically ), when asked if the PIN number could be expedited I was told no this is the process - then the supervisor indicated it could and he requested it - indicating it should arrive on Saturday ( it did not ). Experian is a deceitful company with internal processes that do not work and are holding customer hostage. Any agency or company with this level of importance ( all the banks use all XXXX credit rating agencies ) whose actions are deceitful, inaccurate and less than trustworthy should not have this level of responsibility. If they can not get this right - how do they effectively calculate a 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 non-monetary relief
Consumer complaint received 2016-05-25 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: SC

Complaint narrative:
I have made numerous attempts to access my free credit report from Experian through XXXX. Although the other credit reporting companies have provided me with my report, my request from Experian always meets with the response " A condition exists that prevents Experian from being able to accept your request at this time. '' There is no way to speak directly to a human being about this problem : the company 's telephone number simply leads me back to recordings that direct me to the website or tell me to make the request by mail. The point of the annual credit report website, however, is to make this information available online. Their refusal to provide any means of contacting the company through normal channels is unacceptable Experian has provided me with no way even to seek redress about this problem, so I submit the complaint here.

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 2017-03-17 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian ... this agency had 2 extra social security numbers that were not mine. They had my birth year wrong.they had 12 different/incorrect spellings of my name and many derrogatories that did not belong to me. They have my address associated as a business Ive never heard of. 
I placed a fraud alert to my file and began disputing the above. To my knowledge the above mentioned has been corrected. 
My complaint today is that in the dispute processes, Experian deleted ALL of my positive reporting histories. XXXX XXXX loans on my high credit truck note pd off XX/XX/2014, and XXXX positive reportings from XXXX. They literally wiped out all of my credit and I dont even rate a score. 
The bank that originally reported no longer reports to Experian. 
I think, in all fairness to me ... because they deleted these accounts unwarranted, that they should put them back on. My score is XXXX because of these deletions, I cant even quqlify for a credit card to build credit..I was even turned down a secured credit card. I have tried to handle this through Experian but they refuse to repair this mistake solely made by them for me to suffer. 
Im sending pictures of the accounts deleted ... and a letter with copy of my high credit reportings from the bank which they only report to XXXX now..so they say.

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 2016-04-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Cornerstone Home Lending Inc.
State: OK

Complaint narrative:
I am the seller and the buyers applied with Cornerstone Home Lending, in XXXX. We were scheduled to close on XXXX/XXXX/16. We received n notice buyers were approved subject to final underwriting approval. A couple of days prior to closing the buyers wanted to back out due to fact that they could not run a small day care out of home. Closing papers were drawn on XX/XX/XXXX and I went to closing and signed. On XX/XX/XXXX 5 days after closing Cornerstone issued a statement of denial for income and now we can not get back our earnest. We do n't believe it 's true. Why would lender allow closing papers to be drawn, allow all to think approved when they would have had paystubs, XXXX 's and returns long before closing. I feel they issued the denial letter to help buyers get earnest and because of relationship with realtors who use them on a regular basis. They have not issued a mortgage credit denial on HUD 's website as require for all FHA loans. We spent {$6000.00} on repairs, leased another home, paid movers and now we have XXXX house payment and no money. Lenders should not be allowed to deny a loan after the fact. Not good business and very poor business ethics. XXXX XXXX - XXXXXXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX XXXX XXXX on or about XX/XX/XXXX on EXPERIAN credit file. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section XX/XX/XXXX ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is reporting an account for XXXX XXXX that was discharged XX/XX/2003 and is over 7 years in violation of FCRA.

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