vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-03 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: MN

Complaint narrative:
XXXX has a partnership with Experian. They have a credit score on my landing page that says its mine. It was XXXX, so i went ahead and applied for a car loan. They turned me down. They told me they dont use that score but pull from Experian and XXXX. They suggested i pull the report from them, so i did and Experian is XXXX points lower. When i called to ask why no one would say, they said there is XXXX negative report, and to dispute it. I did and every since than my score has been going down daily, yet when i call they wo n't answer why even though i have a subscription with them. They refuse and either transfer me or tell me to call XXXX Its XXXX deragatory payment that is not correct. I ca n't get anyone to help me. My credit score has dropped daily since i started to ask why ...

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 2016-08-29 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 'm XXXX XXXX, I 've been trying to solve this problem going on a year now, since I 've filed Bankruptcy 2014 and nothing is cleared off my Credit File, I filed a Chapter XXXX and it was discharge nothing has been remove from my Credit File, all three Credit Bureau keep transferring my information to each other NOT deleting, I also request to have the fraud alert remove from my Credit File and it has NOT happened, I 'm I 'm filing this complaint because I 'm getting the run around

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 2016-10-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XXXX/XXXX/XXXX I contacted Experian regarding their reporting under Public Records of a balance on a Judgement which was satisfied on XXXX/XXXX/XXXX. They updated my credit report to show the Judgement as satisfied but they still show a balance of over {$12000.00} I asked them why they are still reporting an open balance when the Judgement was satisfied. Their response was to state they are reporting the Judgment as satisfied yet they still have not changed the balance on their report. When I contacted XXXX about the satisfaction of judgement they quickly and correctly changed the status to satisfied and updated the balance to zero. Experian has provided know explanation as to how they can still be reporting an open balance and yet also state that the judgement is satisfied.

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 2017-01-24 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: ND

Complaint narrative:
Well over a month ago I requested a free credit report. After at least three weeks I received notification that Experian required additional information to process my request. I mailed the information back with a copy of the letter they sent me. I just received notice that Experian will not be producing my credit report because they " are not affiliated with the annual free credit report program. '' I am not able to contact Experian directly regarding this issue. Please sue the fecal matter out of Experian. Please fine Experian to the point of bankruptcy. Then ensure all Experian board members are placed in prison, for at least 10 years each. 
Thank You, 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 2016-09-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX I received a letter from XXXX XXXX stating they have submitted a request to the major credit reporting agencies to delete any delinquency that occurred from XX/XX/XXXX to XX/XX/XXXX. In addition, XXXX also sent me a letter on XX/XX/XXXX stating they have requested the credit bureaus remove the inquiry on my credit profile dated XX/XX/XXXX and I sent the letters to Experian and I 've called a number of times and they are not being helpful in updating and correcting my credit report. Please help me! Thank you in advance.

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 2016-09-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
MY CREDIT REPORT WAS PULL BY A COMPANY THAT HAD USED IT IN THE WRONG WAY, AND NOW THIS EFFECTING MY SEARCH FOR A PLACE TO LIVE.SO I NEED EVERYONE TO KNOW THAT THE CREDIT REPORT IS FRAUDAUL DO TO MY IDENTITY WAS STOLEN BY A PROFESSIONAL HACKER, AND I AM HAVING PROBLEM WITH THE CREDIT REPORTS WITH A XXXX CREDIT BUREAU, I WOULD LIKE THIS TO BE PUBLISH

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 2016-04-17 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: TX

Complaint narrative:
I could n't see my credit score in free online 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 explanation
Consumer complaint received 2015-06-16 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I wrote a letter to Experian asking them to investigate mistakes on my credit report. They responded to me with a letter saying my letter was suspicious, and that they would not do my free investigation. I do n't know what was suspicious about it. It did come from me, and I even attached copies of my ID 's to confirm my identity. In Experian 's letter, they gave me a phone number to call and an e-mail address to visit to " validate '' my letter. Apparently, I can not speak to a live operator or do anything to via the web-site unless I buy one of their products from them. I believe Experian is purposely refusing to do my free investigation so I will buy something from them that I do n't actually need.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
I ran my free credit report through Experian and found a negative report from the following company that I have never set up a credit card with and have never received any sort of a past due notice. The creditor 's information is : XXXX, XXXX XXXX XXXX XXXX XXXX, SD 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 2015-09-13 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:
While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX XXXX XXXX XXXX on or about XX/XX/XXXX on EXPERIAN. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested 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 immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-11 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This does not fit this category but is related. When refinancing my mortgage 9 months ago, I could not get the lowest rate due to multiple inquiries by a Auto Dealer ( XXXX XXXX 's XXXX XXXX ) that ran my credit report XXXX time for XXXX transaction. Since then I signed up for XXXX XXXX to monitor my credit score. My mortgage broken called and ask if I would like to re-finance again as now my credit score is higher and I cab get a better rate. From XXXX XXXX and my XXXX XXXX I knew credit score had improved. As of XXXX/XXXX/15 XXXX reported : TransUnion XXXX, XXXX XXXX and XXXX XXXX ( TransUnion ) XXXX. The notice from the mortgage broker listed my scores as XXXX XXXX, TransUnion XXXX and XXXX XXXX. 
Why are my scores different based on who is inquiring? A score is a score and should be the same no matter who inquires. I believe there is an unjust manipulation occurring. Also the reason for my credit score are also reported differently.I have too much available credit, but my outstanding balance to my available credit ratio is too high. If I reduce the amount of available credit, it impacts my outstanding balance to available credit ratio will increase. I have a derogatory public record or collection filed on my report. This was due to a medical bill that I was paying to the provider over a number of months. I was making payments, but they sent the account to collections. The collection company would not send monthly statements ( they do n't send monthly statement ), so I refused to pay until they did, they did and I have been making payments. I disputed with all XXXX credit reporting companies, only XXXX granted the request and has removed the dispute from my report, thus the higher score from XXXX. I do n't mind playing the credit score game, but the rules need to be fair and consistent.

Company public response: Company 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 — Account terms
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
first all of the major credit reporting agencies are reporting wrong information on my reports. they are incorrectly reporting wrong personal information, wrong account information, and credit inquiries I never applied. I have disputed all of these items, have sent all required information such as driver 's license, social security card and utility bills. 
a day or XXXX later I receive the same email asking for the same identical information. I faxed the same over and over. the fax confirmation tells me the fax went through " ok ''. 
I have not been able to get my credit reports for the last XXXX years because they either ask for information that I have no idea about, or they tell me I am not eligible to receive my free annual report. I had to file for bankruptcy due to i.d theft, at which time they finally let me get a free credit report. I had a fraud alert on all of my bureaus prior to the I d theft, but yet someone was able to obtain fraudulent credit in my name and I was never notified. I asked the bureaus back then about this and their response was we did n't have the correct number to call you. if this was the case then credit should have never been granted. 
these credit reporting agencies are nothing more than a criminal element govern by finance companies. these credit reporting agencies should be investigated and penalized for violating people 's rights to contract as per the " fair credit reporting act ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have made over XXXX attempts to have the credit bureaus conduct an investigation to remove a couple of fraudulent accounts from my credit report. We have sent over FTC Affidavits and supporting documents and still the accounts are list on my credit reports. I 'm not sure why they 're allowed to get away with this. Their suppose to maintain accuracy on consumers credit reports. Hoping this will get some closure soon. I 'm attaching the Documents.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have disputed the way this account has been reported on my credit files on several disputes. Experian continue to list the account with the negative information, the last time I disputed the account was XX/XX/XXXX and have not been able to dispute the information since that time every time I try to dispute I being told account has been dispute already. The account is now begin listed with only the Charge of date and all the other information was remove from the account which make the negative information stay on my credit file longer. I have my credit report from XX/XX/XXXX with the complete history of the account with states this account is schedule to continue on file until XX/XX/XXXX, completely different that what is reported XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15 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:
I filed a dispute with Experian to get several items removed from my credit, since they have expired based on Florida Statute 95.11.2(C) for mortgages and XXXX for credit cards. I am disputing credit cards and mortgages that have passed the statute of limitations pursuant to Florida Statute of Limitations. Not only did Experian not follow the Florida Statute of Limitations, but the results they provided at the end of the dispute are completely off-base and incorrect.  Experian stated dates on their "results" that did not even make sense based on the information supposedly reported by the creditors on my credit report. In my opinion Experian is simply echoing what the creditor is telling them, instead of taking XXXX sets of information and then using the law to find the correct conclusion or result to the dispute. Experian is taking matters into their own hands and not abiding by the law, whether it is the Florida Statute of Limitation or the FCRA. Experian is passing judgment as THEY see fit and not as the established law states it should be.

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

Complaint narrative:
ATTN : EXPERIAN The FCRA provides that you must inform me as a consumer about negative information that you are about to place on my credit report within 30 days. I have recently received my credit report from Experian, and I am greatly bothered that you have placed several erroneous negative personal information that is being illegally displayed on my personal credit report without the required courtesy of informing me first as provided by law AS I HAVE DISPUTED THE INACCURATE PERSONAL INFORMATION WITH EXPERIAN, YET EXPERIAN IS CONTINUING TO DISPLAY THE FOLLOWING INACCURATE PERSONAL INFORMATION ON MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX ADDRESS IDENTIFICATION NUMBER : XXXX XXXX XXXX XXXX XXXX CO XXXX ADDRESS IDENTIFICATION NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX ADDRESS IDENTIFICATION NUMBER : XXXX XXXX XXXX XXXX XXXX CO XXXX ADDRESS IDENTIFICATION NUMBER : XXXX XXXX XXXX XXXX CO XXXX ADDRESS IDENTIFICATION NUMBER : XXXX XXXX XXXX XXXX XXXX CO XXXX ADDRESS IDENTIFICATION NUMBER : XXXX I WOULD LIKE TO KNOW WHY THIS INACCURATE ADDRESSING INFORMATION IS CONTINUING TO BE ILLEGALLY DISPLAYED ON MY EXPERIAN CREDIT REPORT? 
I AM NOW DEMANDING THAT EXPERIAN, PROVIDE ME WITH THE LEGAL COMPETENT EVIDENCE IN WHICH EXPERIAN HAS BEEN PROVIDED IN REGARDS TO THESE INACCURATE ADDRESS. 

I HAVE NEVER RESIDED AT THESE INACCURATE ADDRESS, SO WHY ARE THEY BEING ASSOCIATED WITH MY PERSONAL CREDIT REPORT? 

INACCUARTE TELEPHONE NUMBERS : XXXX- CELLULAR I HAVE NEVER USED THIS INACCURATE TELEPHONE NUMBER! AND I WOULD LIKE TO KNOW WHY IT IS BEING ILLEGALLY DISPLAYED ON MY EXPERIAN CREDIT REPORT. 
AT THIS TIME I DO NOT HAVE A TELEPHONE, PLEASE REMOVE THIS INACCURATE TELEPHONE INFORMATION AS SOON AS POSSIBLE. 

INACCURATE EMPLOYMENT INFORMATION BEING ILLEGALLY DISPLAYED ON MY PERSONAL CREDIT REPORT : XXXX XXXX XXXX THIS IS INACCURATE PLEASE REMOVE THIS INACCURATE EMPLOYMENT INFORMATION. 

MY EMPLOYMENT INFORMATION SHOULD REFLECT AS FOLLOWS : 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 2017-01-23 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX we sent a letter to the credit bureau asking them for assistance on numerous problems we saw on our credit reports. It is almost 90 days later and no response. I just read an article that said they are supposed to answer in 30 days. So this is breaking the law.

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 2015-07-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Experian is reporting incorrect information on my " MEMBERSHIP CREDIT REPORT '' which part of their Credit Tracker Service. On the MEMBERSHIP CREDIT REPORT IT shows my XXXX XXXX XXXX XXXX XXXX accounts as PAID XX/XX/2010 - this is incorrect, I have never been late. When I dispute the item a " FULL DISCLOSURE REPORT '' is presented which shows the XXXX XXXX XXXX XXXX XXXX as " PAID AS AGREED '', this is correct. I want Experian to correct the MEMBERSHIP REPORT and resulting FICO Score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I need to erase from my credit report, it appear money that i never took any loan from XXXX XXXX ... .... 

Partial account number : XXXX {$220.00} I never took any loan of this amount ... ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
I have repeatedly disputed a chapter XXXX bankruptcy on my credit report with Experian. Each time they have responded back that they verified the information. I have repeatedly asked for evidence to support their claim and their procedure on how the investigated it. They have failed to provide me with a copy of any viable evidence submitted by Iowa Federal Court in XXXX XXXX, substantiating their claims. After verifying with the Iowa Federal Court in XXXX XXXX that they did not supply any information to Experian nor has Experian requested the information, I called Experian and spoke with their Dispute Center. The representative that I spoke with advised me that they did not verify the information with the Iowa Federal Court in XXXX XXXX. He stated they verified this information through the Iowa Federal Court. I advised him that I contacted the Court House and was told that they stated that they do not supply information to credit reporting companies. He stated it was also verified through a 3rd party credit reporting company, XXXX. I followed up with XXXX and disputed the item with them. After their re-investigation, XXXX removed it from my file which they maintain under my social security number. When I requested they re-investigate my dispute, I attached the documentation from XXXX showing that they permanently removed the bankruptcy from my file for their review. I faxed the information and I mailed a copy via certified mail to Experian. I believe they have been acting in bad faith, and have not complied with the Federal Trade Commission ( see 15 USC 41, et seq. ), and Experian never marked my credit report as being disputed either.

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 2015-07-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In XXXX 2015, I had settled a debt with XXXX XXXX for an amount less than what was originally asked. This amount was agreed to, and I was given a confirmation over the phone, as well as a receipt over email. However, recently I noticed that a derogatory entry was made on my credit report for the difference between the original debt and what was agreed to in settlement.

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