vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian XXXX, XXXX collection was removed after I sent ; XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX, ACCOUNT NO. ; XXXX {$1900.00} police report & District Court of Maryland for XXXX XXXX County case # : XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX MD XXXX SENT NOTARIZED LETTER SIGNED BY XXXX XXXX XXXX ( XXXX ) XXXX RESIDED AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX. 
COMMITTED FRAUD USED MY INFORMATION AND OBTAINED XXXX PHONES FROM XXXX WHICH CREATED THIS COLLECTION ON MY CREDIT REPORTS. IT WAS REMOVED AND NOW IS BACK ON. THIS IS VERY UPSETTING SINCE I AM IN A HOME BUYERS PROGRAM " XXXX ''. THIS RE POSTING OF THE FRAUDULENT COLLECTION IS PREVENTING ME FROM GETTING A HOUSE FOR MY GRANDDAUGHTERS AND I, A DREAM I HAVE HAD FOR A LONG TIME ME AND MY GRANDDAUGHTERS. I NOW HAVE CUSTODY OF AND WE ARE LIVING IN A XXXX BEDROOM APARTMENT BECAUSE OF THIS AS WELL. IF YOU CAN HELP ME GET THIS PERMANENTLY REMOVED FROM MY CREDIT REPORTS ONCE AGAIN I WILL BE ABLE TO PARTICIPATE IN THE " XXXX '' AND FINALLY GET MY GIRLS A DECENT HOME. ALSO I HAD STUDENT LOANS THAT WERE EXPUNGED AND SHOULD SHOW THEY WERE SATISFIED AND PAID ON TIME.. PLEASE HELP ME AND MY GIRLS XXXX WILL BLESS YOU I AM SUREXXXX XXXX XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-16 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 've been disputing this fraud activities on my credit file with Experian since XX/XX/XXXX and have presented the fraud evidence, police report ( s ), and Federal Trade Commission Identity Theft affidavit repetitively and Experian continues to ignore the FCRA and report this fraud activity on my credit file. Their response is usually an automatic response which is not related to my dispute. 

Fraud Account : XXXX XXXX Account XXXX & XXXX Past Disputes : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX These accounts are fraud and Experian is reporting these fraud accounts which is causing harm to me and my credit. Fraud activities can not be reported on my credit file, and every time I dispute this Experian ignore the evidence and response back with non-related responses. On XX/XX/XXXX, I disputed this matter once again to Experience and their response was that " the credit grantor may not know how to contact you '' That statement is not true and also not related to Experian reporting fraud activities on my credit file. 

I 've disputed this so many times, and not being able to resolve this matter. If these accounts does n't get removed from my credit file, I will seek legal guidance to correct the harm caused to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-05 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
i am financing a car from XXXX through the XXXX bank in XXXX ma, i have never seen any statistics or report concerning my car payment,, why is that? i have been paying for this loan almost a year now .. the loan is under my name and wife name and only it shows up on her credit report not on mine as well ... so any suggestion how to bring my history back on my credit report because it affects my scoring issues.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Old debt listed as new debt ; " XXXX '' listed twice on Experian credit report XX/XX/XXXX and XX/XX/XXXX ; Per letter dated XXXX XXXX investigated my inquiry and determined no changes were needed. I also asked the company for the status of the account and a response was not given. I 've sent XXXX letters requesting an update to the credit report regarding the XXXX Charge Off 's listed on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 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:
Experian was erroneous information on my credit report and will not remove it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
EXPERIAN IS THE ONLY CRA NOT REMOVING THE INACCURATE PUBLIC RECORD FROM MY CREDIT REPORT. XXXX AND XXXX HAS REMOVED IT AS SOON AS I PROVIDED THEM WITH PROOF OF THIS BEING INACCURATE. SAME INFO WAS SUBMITTED TO EXPERIAN BUT I KEEP GETTING THIS AUTO GENERATED LETTERS, ONLINE ACCESS IS NOT AVAILABLE AND IT IS IMPOSSIBLE TO GET AHOLD OF A LIVE PERSON OVER THE PHONE. MY LAST CALL TO EXPERIAN I WAS ON HOLD FOR 2.34 HOURS UNTIL I RAN OUT OF PATIENCE. THIS IS INACCEPTABLE, IGNORANT AND A VIOLATION OF MY CONSUMER RIGHTS. 
EXPERIAN IS NOT COMPLIANT WITH FCRA RULES AND REGULATIONS AND MUST BROUGHT TO JUSTICE

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: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have disputed XXXX with Experian for over a month. Experian will not let me dispute it anymore even though they are reporting that I have an unpaid balance for XXXX of {$320.00} and this has been paid. I just want the report to read correctly or to delete XXXX since it has been paid. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Credit bureau is in direct violation of FDCPA and FCRA, not properly validating negative accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
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: CA

Complaint narrative:
I have received no assistance from Experian or XXXX as far as removing the bankruptcy that is on my credit file resulting from identity theft. I submitted my police report, affidavit, proof that I was out of the country when this bankruptcy was filed ( I was out of the country from XX/XX/XXXX-XX/XX/XXXX and this bankruptcy was filed in 2011 ) as well as handwriting/signature comparisons to prove that the signatures on the bankruptcy papers does not belong to me and was told by XXXX that they have denied my request to block the information. I also sent the original petition for the bk that I pulled on pacer.gov to show that it was not my signature. In addition, the accounts that were included in this bankruptcy ( listed on the last page ) were never even on my credit file. I will take these XXXX bureaus to court if I have to, and i have already filed multiple complaints against them with the XXXX, FTC and CFPB as well as your organization and they still continue to report this information even after I have submitted the proof that this was never filed by me, the bk does not belong to me and that someone did this without my knowledge. Please contact this company to get them to remove this, as they are in clear violation of my rights

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 2016-12-14 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:
In the last 10 years i 've had a couple of wild things happen to my credit but today I 'm complaining to this extent bc I 've reached my patience threshold. Noticed a judgement and large collections for some credit cards ... thought maybe it was a mistake and perhaps it was because of a name mix up with the bureaus no.. this is simply what happens when your company is based solely on trying to charge for services instead of focusing on the families that rely heavily on their credit scores. Enough ranting, I did attempt to contact XXXX but no luck and nothing came from disputing directly so I feel like i 'm running out of options. Im attaching some required documents per one of the govt sites i 've been to. thank you for taking the time to hear me go on.

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 2016-02-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Enclosed are copies of XXXX ( XXXX ) separate reports from you showing that the information you are reporting is incorrect. Your report numbers are XXXX and XXXX. In these reports you are reporting a payment history from XXXX XXXX to XXXX XXXX and a close date of XXXX XXXX. This is totally incorrect! 

Also included in this communication is a copy of a letter from the creditor, ( XXXX ), dated XXXX XXXX, XXXX attesting to the fact that the information you are reporting is incorrect. 

Their document goes on to further state, " the account was closed on XXXX XXXX, XXXX ''. Not XXXX XXXX, as you are reporting. 

As the document from XXXX, Office of the President states, " The XXXX XXXX billing statement is also the last billing statement generated for the account since no additional transactions occurred after that timeframe ''. Also, " XXXX has requested date of last activity to be reflected as XX/XX/XXXX ''. 

You have and are reporting a payment history, where there has been none. You are also reporting this account closed XXXX XXXX, which is incorrect. XXXX has given proof with their document that you are reporting incorrectly. 

Therefore, you must make corrective measures, and so this account shows a removal date in XX/XX/XXXX, not, XX/XX/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 2016-05-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
1. XXXX XXXX XXXX # XXXX-Date Opened wrong-should be XXXX-thereby changing Status to be removed in XXXX 2. XXXX- # XXXX-Status date to going positive should be XXXX-as dated opened shows XXXX but actual date for rate modification was 3 years after this date. It took 2 years to receive this change. Change status - goes to positive to read XXXX. 
3.XXXX XXXX Paid and closed-over 10 years old REMOVE 4.XXXX- XXXX XXXX-Paid and closed-acct XXXX years old-REMOVE 5.XXXX- # XXXX-Paid and closed -over 10 years old-Remove 6. XXXX- # XXXX-Acct paid and closed-over 10 years old-REMOVE 7. XXXX XXXX XXXX XXXX # XXXX-Date opened XXXX-transferred-closed -REMOVE 8. XXXX XXXX # XXXX-Paid and closed -Old 10 years old REMOVE 9. XXXX- # XXXX-Paid and closed-old REMOVE 10.XXXX- # XXXX-Paid and closed-10 years old REMOVE 11. XXXX XXXX XXXX # XXXX-Old paid and closed-10 years old 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 non-monetary relief
Consumer complaint received 2017-02-08 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I disputed the following XXXX accounts below with the CFPB because I did not feel that the late payments were accurate and not verified properly. 

Account Number : XXXX Negative Information Being Reported : 120 days past due XX/XX/XXXX, XX/XX/XXXX, 150 days XX/XX/XXXX, 180 days XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Account Number : XXXX Negative Information Being Reported : 120 days past due XXXX, XXXX, 150 days XXXX, 180 days XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Account Number : XXXX Negative Information Being Reported : 120 days past due XXXX, XXXX, 150 days XXXX, 180 days XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Account Number : XXXX Negative Information Being Reported : 120 days past due XXXX, XXXX, 150 days XXXX, 180 days XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Account Number : XXXX Negative Information Being Reported : 120 days past due XXXX, XXXX, 150 days XXXX, 180 days XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Account Number : XXXX Negative Information Being Reported : 120 days past due XXXX, XXXX, 150 days XXXX, 180 days XXXX, XXXX, XXXX, XXXX, XXXX, XXXX After looking at my credit report, I noticed that the date of status for these accounts are all XX/XX/XXXX even thought I disputed these accounts again on XX/XX/XXXX and it was never updated. This just leads me to believe an investigation was never done which is a violation of the Fair Credit Reporting Act. Also, they never marked these accounts as being in dispute.

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 2015-12-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
XXXX has misreported my payment history. I have presented to Experian copies of my cancelled checks which they will not acknowledge

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I applied for a loan and was told my credit was too low, I had just checked my credit score and it was XXXX. Upon checking my score through my Experian credit tracker I discovered my FICO score had dropped XXXX points in one day. I spoke with Experian who reviewed my report and could not find any reason for my score to drop so dramatically ; they referred me to FICO who would not speak to me. FICO claimed I did n't have an account with them and they could n't help me. I was told to call Experian back. Experian claims they get the scores from FICO. I would like to know why FICO dropped my score XXXX points in one day and there has not been any major changes in my report. I pay all my bills on time

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
I went to the Experian website to look at my " free '' credit score as advertised on television and all over the webpage. Turns out they charge you {$1.00}. I did not know that by paying the {$1.00} fee they enroll you in a monthly membership that charges {$21.00} a month. I was charged twice before receiving my credit card bill and noticing the fraudulent charge. To cancel, the company forces you to call them. I called to cancel and request a refund. They cancelled my " membership '' that I never wanted and never signed up for and refunded one charge but refused to refund the other one because " it 's their process. '' All XXXX of the call center representatives with whom I spoke refused to transfer me to someone who would solve the problem. They kept insisting on giving me an email address. Why should I have to email when " their process '' according to the website forced me to call them in the first place? On top of that, the last agent I spoke with hung up on me despite my request that he not hang up on me. I was civil but firm the entire call. There was no acceptable excuse for hanging up on me. This company is a fraud and participates in false advertising practices. I posted a complaint on their XXXX page and noticed that every post from non-employees was a complaint about this same issue. They are not up-front with their practices and trick users into paying for a service that is n't wanted.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I have an old account from XXXX financial svcs that is past the 7 year reporting period. XXXX has renamed the debt and continues to report this debt years after it should have dropped off my credit reports. I have disputed the debt with both Experian and XXXX on numerous occasions but it has not been removed. I have an old Experian credit report dated XXXX/XXXX/XXXX that shows it was to be removed in XX/XX/XXXX. That account name was XXXX XXXX XXXX. Today the same account has simply been renamed and is being reported on my Experian credit report as XXXX. XXXX is also reporting that I filed a chapter XXXX bankruptcy. I have never filed for chapter XXXX bankruptcy. I would like to have this removed. I am applying for a home loan and this re-aged debt is causing the mortgage lenders to deny my application.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I got my credit report because I was thinking of purchasing a home for my mom, and when I got it I notice inaccurate accounts, I immediately filed a dispute with the XXXX major bureaus, Experian XXXX and XXXX XXXX. I listed the accounts I had a problem with. 
1XXXX- I explained that the account number they had on file was not my account number and my account was paid off through an insurance claim where the vehicle was totaled, I gave them my account number and the claim number of the settlement, the only agency that removed it was Experian, the other XXXX have refused and has allowed the data furnisher to update it so it remains on my report till XXXX, this is an account that is almost 10 years old. 2.A collection agency by the name of XXXX same people I was in a car accident in XX/XX/XXXX, I sued the trucking company who hit us, I gave the hospitals name and their bill to my lawyer two weeks after accident, mailed in the bill with the insurance from the trucking company they still turned it over to a collection agency who then placed it on my credit all ( XXXX ) on XX/XX/XXXX XXXX months after the accident I kept sending in the paperwork from my attorney and contacting them that an agreement was reached with the hospital and my attorney to pay upon settlement, no one listen it 's still there and when it was paid by my attorney in XXXX they updated it as paid but it was never suppose to be a collection, when an agreement was met between the parties to pay when the case was finalized. There are several other items that are being reported wrong on my credit report but I 'm tired and beat up from a constant battle for the last few months, against data furnishers that do n't report accurate information and the credit bureaus act like we consumers are always wrong and never look further into the issues, but allow this to go on. It seems as though consumers get the short end of the stick because we don'y pay for the service like the the creditors do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-27 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 a victim of Identity Theft

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-06 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX refuses to remove a 30 day late from my credit report even though I have shown a copy of my bank statement showing they were paid on time.

Company public response: Company 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: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Every time I dispute an item they reduce 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