vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: GA

Complaint narrative:
XXXX is using my credit report against me for a debt that was past due in 2006 and is now paid off it is to old to be on my credit Experian verifies the debt sure the have my ss # and address that does not mean they can report an old debt

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-18 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. 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 non-monetary relief
Consumer complaint received 2016-05-05 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I used lending XXXX to view my credit score for free. The site kept asking my why I am checking my score. I chose anything in the drop down menu in hopes it would stop asking me the reason for checking score. after I chose auto refinance which was picking anything it asked me a series of questions. I answered them. It did NOT STATE IT WAS SUBMITTING AN APLLICATION TO LENDERS FOR ME! I t did not even ask me if I work or what my income is. I gave No pertinent information to incline it was an application. Next thing I know I am receiving emails from companies about an " application '' submitted! This put a hard inquiry on my credit report. I did NOT authorize this application! 
I am in the middle of applying for a mortgage and would never apply for credit at this time. I called the called the companies and explained this. They are not willing to remove the inquiry from my credit even though I did not know it was an application. I have called XXXX and complained to them about their site. They make it look like a screening tool when it is actually submitting an application. No where on the site did it ask If I would like to submit an application. very misleading and I want the inquiry removed.

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 2015-07-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have some accounts that are not mine that are reporting these are fraudulent accounts the accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX i have filed a police report XXXX pd report number XXXX Officer 's name XXXX badge # XXXX i have also filed a notarized ftc id theft affidavit these accounts have yet to be rmoved as they are a result of id theft

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Statebridge Company
State: MA

Complaint narrative:
Since XXXX I have been trying to pay my mortgage to Statebridge Company, LLC and trying to find out about the unexplained mortgage increase plus an extra {$27.00} charge no one can explain. I have called several time over the past few days and no one answers the phone and the general mail box is full ( XXXX ) and can not take messages and I get disconnected. I have gone through their employee directory and dialed every extension and no one answers the phone and each voice mail states that if you leave multiple messages that will delay the call back time. My mortgage payment for the month on XXXX still has not been applied to my account and I ca n't get hold of anyone to resolve the issue and get my payments applied to my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I AM UNABLE TO GET CREDIT REPORT ON LINE WITH XXXX DRIFFERENT CREDIT REPORTS. I NEED TO SEE IT ON LINE OR TALK TO SOMEONE ABOUT ID THEIF. SOMEONE TOOK OUT A MORTGAGE IN MY NAME I DON '' T OWN A HOME AND NEVER HAVE.ALSO A XXXX BILL SHOULD NOT BE ON MY CREDIT REPORT I FILE BANKRUPTY AND ITS BEEN DISCHARGE.

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 2015-05-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I called them after disputing the info that was incorrect on my report and they said it was correct. 
And that they would not allow me to dispute the information again even though it is incorrect.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: NH

Complaint narrative:
The XXXX XXXX account was disputed, and Experian shows a cut off deletion date of XXXX XXXX. XXXX XXXX shows a cut off deletion date of XXXX XXXX. The account went into default in XXXX, and XXXX XXXX extended the 7-year rule timeline illegally. The Federal Trade Commission has in the past fined XXXX XXXX for timeline re-aging issues, and this account is no different. Accordingly, I believe Experian did a poor job in its reinvestigation, and that they should remove the item immediately and permanently. Attached is the necessary documentation required to stipulate my position that the XXXX rule applies.

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 2016-02-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX Bank XXXX XXXX XXXX offered me a XXXX credit card after financing a vehicle on XXXX of XXXX. I was told by XXXX Bank XXXX XXXX XXXX customer service that since I had been approved for the loan a hard inquiry would not be run on my credit when applying for the XXXX credit card. A hard inquiry was placed on my credit on XXXX XXXX XXXX. I have contacted XXXX Bank XXXX XXXX XXXX multiple times about the removal of the hard inquiry. I was promised it would be removed. Today I was finally told it would not be removed.

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 2017-03-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
COMPLAINT : EXPERIAN : XXXX : XXXX : VS XXXX 1. ON PURPOSE, I FLOAT {$500.00} -- -- {$1200.00} ON MY CREDIT CARDS FOR REWARDS : A : FOR TWO YEARS, ON PURPOSE, I PAY EACH CARD OFF EACH MONTH : B : WHY DO THE CREDIT REPORTING AGENCIES PLAY A GAME WITH ME AND XXXX IN CAL XXXX IN XXXX? 
C : WHY DOES MY FICO, CREDIT SCORE JUMP AROUND FROM XXXX -- XXXX -- XXXX NOW DOWN TO XXXX??? 
D : WHY IS MY CREDIT SCORE AND FICO NOT AT THE SAME RATE FOR ALL CREDIT AGENCIES? 
E : WHY IS MY CREDIT SCORE NOT AT XXXX OR HIGHER 2. DO ALL CREDIT REPORTING AGENCIES ABUSE THE PEOPLE OF CAL, XXXX? 
A : ARE THEY FORCING HIGHER RATES FOR CONSUMERS IN CAL FOR HOME LOAN, AUTO LOAN AND ARE WE PAYING MORE IN CREDIT CARD FEES THAN WE SHOULD? 

SHOULD THERE BE A CLASS ACTION LAWSUIT AGAINST ALL CREDIT REPORTING AGENCIES??? 

AS YOU KNOW, I AM LOOKING AT RUNNING FOR XXXX SUPERVISORS RACE IN 2020 AND WOULD LIKE TO KNOW HOW MANY OF THE XXXX PEOPLE IN XXXX CONSUMER RIGHTS MAYBE VIOLATED AND ABUSED?

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 2015-04-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian keep reporting my XXXX XXXX XXXX account as : '' Paid, Closed. {$4000.00} written off. '' This information is incorrect and would like for them to correct this information. XXXX XXXX XXXX has written Experian and asked for this credit information be corrected. XXXX XXXX XXXX has not issued a XXXX from to be for the amount claimed to be " written off '' none of the balance was written off. I have payment records to indicate that the account was paid. we have been trying to get this information correct for 2 years. Experian refuses to investigate they just keep sending us the same credit report showing the information as updated. Nothing has been updated, Experian crazy and lazy when it come to making corrections. They have no reason to correct anyone 's report because they are not getting paid to correct anything. They make money when they sell bad reports. Experian could care less about consumer 's, they like to blow smoke and claim they care. Please force Experian to do the right thing whatever that is.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-30 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:
I filed a chapter XXXX bankruptcy in XXXX 2013. My mortgage through XXXX XXXX was reaffirmed, as well as my home equity line through XXXX, and my furniture payment through XXXX XXXX XXXX. I have continued to make on time, full monthly payments to each of these companies and noticed that they have not been reporting to the credit agencies. I have provided the documents of the bankruptcy reaffirmation agreement, as well as the history of the payments made to these company 's over the last years to all XXXX credit bureaus and each XXXX of them come back with missing information on their investigation, some do n't even address the XXXX accounts I have listed in my dispute, others have other companies instead like XXXX. It is apparent that these companies do not doa thorough investigation of my dispute. They ca n't even get the account correct, let alone I don ; t believe anyone even bothered to look through the files I sent them of the proving documents to show they were supposed to be reaffirmed, as well as my payments being made that are not being reported. I 'm trying to rebuild my credit, and this is not fair that my payments are n't being reported, and no one is taking the time to do their job properly. 
PLEASE HELP!

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

Complaint narrative:
XXXX from Experian/XXXX states that I do not have the right ( by federal law ) to dispute or put in an investigation on credit inquires that were not authorized by me That all credit inquires will stay on my credit for 2 years whether there verified as valid or not

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
Experian is not responding to my requests to investigate and remove accounts that do not belong to me 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 explanation
Consumer complaint received 2015-12-04 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: CA

Complaint narrative:
I requested a credit report from XXXX, XXXX, and expertain and they refuse to give me a credit report after I was denied credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-05 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:
I believe that the XXXX credit bureaus are grading my credit report in a discriminatory XXXX and allowing companies to add negative items that are inaccurate and are not being properly varified by the credit bureaus. Which has caused my credit score and report to suffer as a result. And, cause me hardship in my personal finances. Which has allowed lenders to disqualify me for different loan products, such as credit cards and home loans. So basically, it 's not lenders being discriminatory, it 's the credit bureaus. Because the are not making companies report adequate evidence to prove the the validity of the claims, which they would not do to other Americans consumers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have a notice on my credit report from XXXX XXXX XXXX that a loan that I co-signed for is in collections. The loan was my sister 's and showed up on my credit report after she declared bankruptcy. My dispute is that the l last payment on the loan was in 2008, and the creditor has systematically moved the last payment date to keep the account on my credit rating. This is illegal, and all three credit bureaus have allowed to continue. By law, this should have been removed after 7 years. Repeated requests to both the credit reporting companies and to the creditor for documentation has been ignored -- another violation of federal 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 explanation
Consumer complaint received 2015-07-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
The credit reporting agencies are in complete control of our personal business lives, yet they have no accountability, no customer service, etc. Esperian is the worst of XXXX. I try to get them to update my report and I talk to someone in XXXX. This economy is based upon consumerism. It should be easier to update credit reports! 

Thank you, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30 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 am aware that a dispute is currently ongoing with Experian. I wanted to present new information regarding one of the items being disputed. A fraudulent account was opened in my name with XXXX XXXX. I filed a complaint against XXXX XXXX and they responded with the attached letter telling me they are no longer reporting this account to the credit reporting bureaus however upon my personal research I found that this account is still on my Experian credit report. I redacted text on the letter that is not relevant to my complaint however I do give Experian authorization to call the number on the letter from XXXX XXXX to confirm that they have given me written confirmation that they are NOT reporting the account any longer.

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 2017-02-03 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:
Debt not accurately verified. They have not produced a contract with my signature.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Hello, we have contacted XXXX XXXX as well as the credit reporting agencies to removed the XXXX 30 days from our accounts, from my credit report as well as my husbands XXXX XXXX 's. It is a joint account. 
Our Issue is, We called in for a payment option. Ready and willing to make the payment on time that day. After speaking with one of the customer service members I called in. I was given the option to pay {$1900.00} on XXXX XXXX, 2016 and {$2900.00} for XX/XX/XXXX and XX/XX/XXXX. I was told that I would receive paperwork in the mail but that all I needed to be aware of was making the first payment on XXXX XXXX, 2016 so that the payment plan would not default. The payments have been made as directed and are not considered late. Though they are reflecting on our report as late. The agent did not advise us that by choosing this plan it would effect our credit score and or show up as late on our credit report or we would not have chosen this option. I feel it should be told to you by XXXX XXXX customer service who suggest this plan that if you do choose it t could negatively impact your credit report for 7 years. This would have drastically changed are decision towards this payment plan. When we called to explain to XXXX they said the representative would be reprimanded but they could not fix the error. We advised we were in the middle of a home sale and or refinance and something of this nature could drastically effect that. We have paid on time for 3 years to XXXX XXXX, never missing one payment. By choosing the option they suggested as a payment break up it now shows we are 30 days late not on time and completely effects our future situation on home buying as well as character. I feel it is fully unethical on chases part to not advise you of this when they are suggesting " Options. '' I am in the middle of a re-finance and can not move forward because of this negative impact on my credit score that was never disclosed to me when I accepted what the agent advised me on XX/XX/XXXX. Can you please remove this from our credit score? I Greatly Appreciate you taking the time to do this. 

Thank You, 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 2016-06-12 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:
There is an account on my Experian Credit Report from XXXX XXXX XXXX # XXXX which do not belong to me and have disputed wth Experian Twice and they have disregard my dispute since they continue to report this account on 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 2017-02-19 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I received XXXX letters in the mail, from Experian and XXXX, respectively, that informed me that an initial Security Alert had been placed on my credit report " at your request ''. I did not request such an alert. The phone number associated with the request ( XXXX ) has no relationship to me and is in another state ( California ). Attempts to reach someone at this number were unsuccessful - the number connects immediately to an answering machine ( my messages have not been returned ). I was able to view my credit report on Experian but there is no way to change the information about the security alert. I will be unable to receive credit for the next 91-120 days because all potential creditors are being instructed, through the credit report, to call this number to verify my identity. I am preparing a letter to Experian but I am not sure how successful this will be. Are there other steps I should be taking?

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 2015-07-22 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: OK

Complaint narrative:
I recently applied to obtain my free credit report and I was told that I have already oreded one. That is untrue I have never ordered one for 2015. I suspect fraudulefraud on my account with ExperianI suspect someone made inquiries without my authorization

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