vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-08 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:
There are hard credit checks on my report dating back to XXXX 2013 that i did not authorize.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The company is Experian and of course it is impossible to find a phone number to speak with a person and complain. I recently worked with a home builder and applied through their lending company to be pre-qualified. All of a sudden I start getting a bunch of phone calls from XXXX XXXX XXXX, I finally asked them why they were calling me. They knew my full name, phone number, credit score, the fact I was in the home buying market, etc. When I asked how they knew they told me Experian gives them the information during the credit checking process so that they ( XXXX XXXX can call and offer a competitive offer. I find this activity highly unethical by Experian. A credit reporting agency of all people should NOT be sharing private information with a third party.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Despite several attempts to clarify or correct several medical collection accounts, Experian continues to verify without producing anything but a form letter in response with the statement that " Experian will not investigate this information again. The accounts in question are both unknown and unverifiable because of the incorrect address and provider names. I did not receive service during the time frame and from the providers listed and can only assume that their " furnisher '' or vendor is providing unsubstantiated and erroneous data thus harming 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 explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
There are negative items listed on my credit report that are false. I do not owe these companies ( XXXX/XXXX, XXXX/XXXX XXXX ) any money. I want the negative items removed immediately. I have disputed this information with Experian several times, and they have not removed the false information. They also would not let place a statement on my credit report refuting these lies. Why are credit reporting agencies allowed to lie, and I have no recourse against 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 explanation
Consumer complaint received 2016-03-24 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I had a credit card issued by XXXX Bank. I did not pay the debt and a judgment was placed on me. I paid in full the card in XX/XX/XXXX. I wrote dispute letters to the XXXX credit bureaus. XXXX deleted the judgment but the other XXXX credit bureaus did not respond. I would like this judgment deleted from 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 2017-01-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX $ on all XXXX credit reports this information is incorrect. I dont anybody any money what is this account For??

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 2015-04-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
While XXXX I attempted to make a larger than normal payment to a lender which resulted in my overpayment of what the lender was allowed to accept on a monthly basis. This resulted in my cancellation of recurring bank allotments to the lender under the impression that I had paid my account in full. The lender failed to notify me not only that I had over paid them but that they were charging me fees for the overpayment. This resulted in a 120 day delinquency being reported on my credit report. Once I returned from XXXX I received an email from an individual from the lending company that was assigned to identify the reasoning behind my large gap in payments after a previous perfect payment history. Once he informed me of what had occurred, I repaid the past due amount in full and the account was later closed

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: WY

Complaint narrative:
I have disputed inquiries on all XXXX of my credit reports that are not mine. I have even placed a fraud alert on my credit file and they are still reporting these inquiries which are not mine. I have called the credit reporting agencies, faxed letters, and done on line disputes and they still are reporting these inquiries in which I have not applied and the companies have no permissible purposes. Notice the inquiries which were accurate I let them know. My family went through a tornado in XXXX 2016, and have not applied for new credit, we were injured and out of work for 4 months so there was no reason to try to get new credit without being employed. Also on one of my credit reports I had XXXX ssn 's on there that were n't even mine. This needs to be corrected. The glitch in XXXX I believe may have something to do with some of these inquiries.

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 2017-02-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
i have been disputing XXXX educational loans and a collection from us department of education to bureaus, but experian is not helpful at all, i have been disputing this items for two years now and they have not been resolved, please i need your help to remove these items from my records, documents will be attached. along with the dispute letter. 
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 2015-11-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian is reporting XXXX tax leins on my credit that are not mine. I have disputed the items twice, showing proof that the tax liens are not on my file according to the state of NY but EXP claims to 'verified '' the accounts as mine. I have requested their investigation process according to FCRA law and EXP has ignored me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I have XXXX Judgments listed on my reports from XXXX Dist Ct - The XXXX. These judgments have been paid since last year. XXXX and XXXX were able to update these items to paid in a timely manner with no help from me. Experian, however seems to have some kind of difficulty actually checking public records to see if they match their records, as they have twice refused to update these XXXX items to paid status. This amounts to willful noncompliance with FCRA. Under the law, if the furnisher of information can not or will not update the information to correct errors the information must be deleted. FCRA 607 ( b ) - Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Experian and/or Experian 's paid agent ( their furnisher of public information items ) has failed to follow the requirement of 607 ( b ) TWICE. Clearly Experian is unable or unwilling to verify this information. Under FCRA 611 ( a ) ( 5 ) ( A ) - If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate ... 

Since Experian and/or their paid agent have failed to properly verify a public record that has been verified by XXXX and XXXX, I can only assume they are being willfully non-compliant. Because these XXXX items not being listed as paid makes me ineligible for a mortgage I have been significantly harmed by this action. Under FCRA 616 ( a ) : Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of : ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 

The loss of the ability to obtain a mortgage harms me greatly, far in excess of {$1000.00}. 

Experian and/or their paid agent ( the furnisher ) must immediately update or delete the entries if they can not /will not verify them. Failure of them to do so for a third time will result in my pursuing legal action against them for willful non-compliance. 

If necessary I will obtain the court abstracts as proof of the judgments being satisfied.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
They still have old information XXXX on my credit. I no longer have a file with them so it is wrong they have it on my credit. Not only they have fraudulent collection on my credit for a credit card I never used with XXXX XXXX XXXX. They refuse to deal with that fraudulent information as well that XXXX is not my charge and if they would do their investigation and call bank XXXX they would see it 's a fraud case and XXXX XXXX XXXX was sending my statements to somewhere in fl and I live in ny. I posted valid information below.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-30 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was a victim of identity theft and now I have pay day loan inquiries on my report under my old name XXXX XXXX, the person even tried to carry me on income taxes. I 've tried to dispute them but the credit reporting company is telling me to contact the company. The companies wo n't remove them saying that it 's my information, even though I have documentation from the IRS, say I have identity theft on record

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 2015-10-06 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The account for Child Support has been on my report since XX/XX/XXXX and has been illegally re-aged, since my recent dispute with Experian XXXX has removed this closed account once they completed their investigation. The other XXXX REFUSE to remove it is past the 7-10 years and account is now closed and court ordered by judge to close as well. 
Under no circumstances should a collection account for a debt remain on your credit report after the original creditor 's trade line has aged off the report. The reporting period applies to both the original creditor and its collectors simultaneously. If no original creditor on any of your credit reports matches the collection account, there 's a good chance the debt has been re-aged. 
The collection agency will simply fix your credit report to avoid any trouble. If the collection agency does n't remove the entry after 30 days, send a second letter saying the same thing and giving the company 10 days to correct your credit report before you file suit against the collection agency for violating the FCRA and report the company to the Federal Trade Commission for illegally re-aging a collection account. 
I have called so many times and was spoken to by Experian reps with total disrespect and very harsh, without even giving me a chance to explain. TERRIBLE ATTITUDES! 
A request that the credit bureau immediately delete the information or I will contact my attorney general and file a lawsuit against the company for violating federal credit reporting practices. Attached you will see it as remains and now the removal status is not until XX/XX/XXXX. NOT FAIR AND NOT ACCURATE! 

Thank youXXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
This is not my account. 
I sent registered letters to all parties involved and never received a response. 
I had to send XXXX letters to finally get a boiler plate letter stating, there were no changes made

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 2016-08-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I would like a real investigation do to a late payment from XXXX XXXX that was put on my experian credit report that is inaccurate. I have filed a dispute with XXXX XXXX do to automatic payments error once setup by a representative after filing they removed the late payment from XXXX and XXXX and I am trying to find out why this has not been removed from Experian. I have disputed with you previously and got letter saying updated. This is far from the truth and I believe you 're committing FRAUD on my account by reporting inaccurate information when I request physical proof! I request a human investigation to verify with documentation proof from the creditor reporting this information and have this sent to my address. 
If my request is not completed I will take legal action for my requested information of proof and compensation for violating the FCRA. 

If proof can not be provided I would like this to be removed off my credit report immediately. 

This Account is also a business card that should only report on my business profile. 

Attached if my proof this has been removed no please send me your proof.

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 2016-08-24 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The collection with XXXX was placed into dispute back in XXXX. The dispute reached XXXX in the month of XXXX and was completed XXXX. XXXX states that on XXXX/XXXX/16 Experian contacted their office and XXXX advised them that the account was no longer in dispute and that the dispute was completed in XXXX. As per a conversation with Experian on XXXX/XXXX/2016, they are stating that this conversation never happened. That their records show the dispute as being completed but they can not update their notes removing the account in dispute 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 2016-07-05 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Receiving unwanted marketing/advertising
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Recently, received my credit report and found unwanted Hard inquiries on there permitted by Experian, despite the fact I have asked for a valid investigation or having them removed under the FCRA law. Experian never proved a proper re-investigation by having these companies certify they had a valid reason to access my 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 2016-09-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have sent to certified letters over the last 60 days stating to Experian that they are reporting a BK Dismissal on my credit report that is n't mine, I received a letter from them stating they verified that information. I called the XXXX XXXX Court where is false filing took place, the BK Clerk told me that they do n't verify and information to any party or company. I need verification on how they came up with this verified information that does not belong to me. This has hurt my credibility not to mention I just got turned down for credit. I will file a law suit against Experian for damages to my credit and slander. How can a copy report false information and say they verified it was me. Please show me my signature and whom they spoke with at the XXXX Courts. I want a name so I can file a law suit against them as well. If I have to I will call the local news agency to get this on the news.

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 2015-08-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian has several lines that are incorrect. Several Educational loans that have been sent back to the XXXX where I have been in a rehabilitation program. Experian has most of my negative accounts still opened and in a past due status. Making my credit score XXXX plus below other credit agencies. I was denied an apartment based on their info. They also have accounts on my report that were reported well over 7 and ten years ago listed recently and wo n't come off until 2018 that should be off already since those account were already sent to collections. So they have false reporting info. XXXX XXXX to mention. They keep starting the 7 years over and over on numerous accounts. There are accounts that are duplicate with different account numbers. XXXX card that they have as recent is well over 10 years ago. Student loans that are in past due status that were sent to XXXX that they still have for another collection agency that rehab has been completed on. Also for accounts that are in good standing they have the actual pay dates although the creditor has pays well and ok. They list every item and pay date which is very subjective ; allows the new creditor to think slow pay..when the account is paid well. Have other people that I may have been affiliated with in the pass never married to XXXX ( XXXX ) not in my life should not be on my credit. XXXX XXXX account should be off ; reporting false information. Have more judgments than I actually have. Fair Collections and outsourcing I have disputed because they can not validate the info and where my deposit went. They keep it on the file. To have every account still opened and they are closed drops my credit score. So there is a lot of miss info. If you all XXXX Experian complaints.. there are tens of thousands complaints. My sister has a XXXX and XXXX with other agencies and great credit Experian has her at XXXX. With false info being reported. The accounts should not be in past due status ; they should be in the status they truly are. I have disputed some of these not all as of yet. They are not pleasant to deal with when you call them. I truly feel they work with the creditors to keep people 's credit bad. Take a closer look at Experian please they are making my life difficult and maybe homeless soon. Also XXXX XXXX Bank credit card I paid off. Good standing closed it on my account when my life was on track before losing my job. They have another card with no reported data ( since I closed the previous account ) and have it in a bad status for an account I never had. They have no data but still have it on my report. Fix this please.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Today I received a letter in the U.S. Mail from " Experian '' credit reporting bureau dated " XXXX XXXX, 2015. '' Under the section entitled " Personal Information '' it had a " XXXX XXXX XXXX, name identification number XXXX '' listed. My full name is " XXXX XXXX XXXX, XXXX, '' NOT " XXXX XXXX. XXXX. '' I am a Victim of Identity Theft. When I called up " Experian '' and asked them to " delete '' this false " XXXX XXXX XXXX '' from my " Experian '' credit file, they refused to do so, thus, putting me for more chances of even greater Identity Theft in the very near future.

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