vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Dear CFPB, I first want to thank you for all that you do to protect the interests of consumers. It was past time that a government agency was needed for this purpose. That said, I will provide you with the details of my complaint : XXXX misrepresented the status of the account to me and assured me on many occasions that the balance was not owed. I closed my XXXX account on XXXX XXXX, 2014 and was assured that the account was paid in full. I have never been delinquent on an account. I was told that I needed to return the router and that a box would be sent by the company so I could mail the router. I received a bill for about {$150.00} a few months later and called to question why I had received it. Again, I was assured by XXXX representatives that I did not owe the amount and that I simply needed to return the router once I received the box to return it in. I received the box in XXXX and returned the router and again questioned the bills and XXXX told me the return of the router would fix the balance. The next letter I received was from a collection agency. I decided to pay the balance with the assurance from XXXX representatives that my credit would not be impacted, seeking to have the balance returned once I found out whether it was owed. I applied for student loan refinancing and was turned away due to this single outstanding delinquent account. Please remove this from my credit report and tell me ( 1 ) how long I have to wait before it is removed, ( 2 ) how I can remove it from other reports or request the same and ( 3 ) how I can hold XXXX accountable for what they have done to me. 

Best Regards, XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
XXXX has a judgement shown on my report but it states that the balance is zero. Have contacted them and I am unable to get any information from any XXXX about this account or its status.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04 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: TX

Complaint narrative:
I attempted to access my experian credit report and a message came on, I could not access my credit report at this time. I placed a fraud alert on my credit reports 2 days ago I 'm not sure if that has anything to do with their refusal to let me access my credit report at experian. 
XXXX sent me a letter declining my request for credit and stated their decision was based on information from an experian credit report, if I ca n't access the report how can I dispute any problems?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have a civil judgment on my credit report that is not mine.

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 2015-11-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: WY

Complaint narrative:
After 25 Years an account from XXXX showed up on my credit report with a zero balance but a past due amount of {$6000.00}. I am trying to refinance my house and would like it removed due to age and unfairness of reporting such an old debt. I have filed a dispute with Experian XXXX, but have not received any resolution as of yet.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have sent XXXX previous letters to Experian reporting company, all by certified mail ( copies of receipts are available ) requesting removal of : 1. Unauthorized fraudulent inquiries : ( 1 ) XXXX Card XXXX/XXXX/2016 ( 2 ) XXXX XXXX/XXXX/2016 ( 3 ) XXXX XXXX XXXX XXXX/XXXX/2016 2. Fraudulent Account : ( 1 ) XXXX # XXXX ( Identity theft victim ) 3. Inaccurate, false, and wrong information : XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX from my file and Experian agency has failed to do so. 

Accordingly, I can show a judge that these inquires and accounts are fraudulent and inaccurate and that Experian violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters -- all sent certified mail -- stated my reasons for an investigation and these reasons were not frivolous in any way.

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 2016-10-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was set up to receive my XXXX statement online. I did not receive my statement ( second time this had happened ) one month. When I received my statement the next month and saw a past due I immediately called and was told if I paid the balance due over the phone ( approximately {$30.00} ) I would have a XXXX balance, so I did this. 
The next month I received another e-mail from XXXX and believing what the representative had told me the previous month ( XXXX balance ) I did n't bother to open the e-mail. When I received another e-mail the following month I opened it, called and got into an argument with the representative, paid additional monies ( service charges ) and asked that the account be closed. 
Recently a banker told me that XXXX jumped me straight to 90 days and that I should dispute this. I have a flawless credit score except for this one charge.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I 've called the company and explained, that I 'm trying to buy a house. Also I 've been on-time for a while can you please help and take some lates off my account the company refused my request.

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 2016-05-20 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
All collections have been paid and being reported on days which make no sense. Believed to be victim of cyber hacking or attack, identity theft since XXXX. XXXX was contacted. Reference number is there. Nothing is changing!

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 2016-05-24 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:
there are XXXX names and identification numbers associated with my credit have never lived in these XXXX addressed below XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX ID # 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 2015-09-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: NH

Complaint narrative:
In 2014 I successfully invalidated a XXXX XXXX account from my Experian credit report. Experian just let XXXX XXXX re-insert it after 6 months knowing that it had been invalidated and deleted. The Consumer Financial Protection Bureau as well as the Federal Trade Commission highly scrutinizes this abusive practice by financial institutions and must cease these actions immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Over a year and a half ago we started the process of buying a home. Our mortgage guy sent us to a credit repair co. They got the collection account from XXXX XXXX XXXX XXXX XXXX taken off my credit, because it was unverifiable. Now it is back on my credit. I have credit reports showing the trade line on and then off and now today it is currently on my report. When I called to verify the account with XXXX & XXXX they sent me a heavily redacted letter verifying absolutely nothing. I would like this unverifiable account taken off my credit and removed permanently. This should not be a loan I have to pay for if there is no verification that it is my debt. Attached are the credit reports and the letter of verification that was sent 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 explanation
Consumer complaint received 2015-08-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
In XXXX 2015, I filed a second dispute with Experian regarding two account that were not updated after my XXXX 2015 chapter XXXX bankruptcy filing. The named accounts are : XXXX XXXX Bank # XXXX for ( {$750.00} ) and XXXX XXXX XXXX # XXXX ( charge-off ) on my credit report. I attached my bankruptcy letter and petition verifying these two accounts were listed in my bankruptcy case # XXXX by XXXX XXXX XXXX XXXX. I received an email stating the investigation determined no changes were needed. 

I am seeking assist to have my Experian credit report updated to reflect my chapter XXXX bankruptcy filing. XXXX XXXX XXXX XXXX XXXX XXXX Bank are listed in the petition. 

Regards, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX Accounts are closed/sold to a new company and no longer valid record. Accounts Transferred/Sold. Transferred to another lender.

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 2016-08-19 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:
Experian has fail to provide me with on time dispute results. I have not receive nothing since XXXX/XXXX/2016.

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: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Attempted to obtain report from Experian through AnnualCreditReport.com and received an error message directing me to experian.com or to call Experian consumer services. Attempted to PAY for my report through Experian.com and received the same error message. 
After speaking to consumer services they stated that they can not verify my identity ( even though I have provided 100 % legally factual information ). Phone rep for consumer services says there is no way to obtain 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 2017-01-09 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: CA

Complaint narrative:
I couldnt recieve my credit scores or info from 2 credit agencies XXXX or XXXX and i on the one i did get it said something about auto financing loan and mortgage loan so i dont know what those are i dont own either of the 2 a house or a car

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 2016-11-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
I have several accounts on my Experian personal credit report that are not mine and I have asked them to verify those accounts which they claim they have done and will not remove them. The problem is because my name has the " II '' at the end and I believe someone with a similar name is having accounts show up on my credit report. Many of the accounts do not have the " II '' at the end of my name and the address does not match. I have sent them my drivers license, utility bills, social security card, etc and they still claim that the information is accurate.

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 2016-08-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: ME

Complaint narrative:
disputed incorrect reporting of XXXX XXXX ( acct # XXXX ). account is only showing history to XX/XX/XXXX account has been owned by XXXX at the earliest date of XXXX XXXX. I obtained an emergency loan from pa home finance agency, in XXXX XXXX, for over XXXX dollars. XXXX corrected my credit report at that point in time to reflect as paid never late. after XX/XX/XXXX, account became deliquent. forclosure proceedings were commenced, and i decided on a short sale, which ended in XXXX, XXXX account was scheduled for sheriffs sale on more than one occasion but postponed on more than one occasion. afterwards, i requested a copy of my billing statements, due to the fact my payment ( s ) due, were incorrect. XXXX did not comply, and left the mistake on report as-is. also, i requested from XXXX, an itimized billing history for the life of the account. i received, instead, a spreadsheet of payments. this raised new questions, as i received a loan, from the commonwealth of pennsylvania, and the account was overpaid dramitacially. XXXX has failed on numerous occasions to provide me with requested documentation. i have brought this matter to experian 's attention on more than one occasion, over the past couple of years. i receive the response from experian the matter is frivilious. i recently brought the matter in regards to experian, to your attention. I received an email the issue was " updated '' in a matter of a couple of days after my complaint to you in regards to this matter. i am perplexed to the speedy manner of experians inquiry to XXXX. according to prior and the current experian reports, i have noticed " no change '' to my experian report. the forclosure proceedings, as well as the payment due, and the payment history, are all inaccurate. i have previously contacted both XXXX and experian in regards to this matter. both appear to " excuse away '' this serious matter

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 2015-10-16 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 any of my requests to investigate and remove accounts from my credit report that were opened fraudulently.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I dispute this debt belongs to me so I repeatedly requested validation. I received no documentation in response to my requests so I called XXXX XXXX via telephone and they confirmed they have no documents whatsoever. As there is no evidence of this debt at all, the trade line should be 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 2015-05-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Credit reporting agencies reluctancy to remove negative reports from my credit report, these items were paid in full, and yet the Experian shows these items as charge-offs. I have attached supporting documentation as proof of payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-16 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: FRESNO CREDIT BUREAU
State: CA

Complaint narrative:
I never received any notification from Fresno Credit Bureau about this debt. The address they have is an old XXXX that I did live at in 2012, so I should have received something if they did send it. 

As we lived in XXXX, CA, I am confused as to why we would be billed from a company, according to the internet is, located in XXXX XXXX, CA ( 60+ miles away ). At this point, I would require proof of the debt, as I have no knowledge of it. Please send me a copy of a signed contract and proof that Fresno Credit Bureau was assigned this debt and has a legal right to collect on it. My email address is XXXXXXXXXXXX. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-08 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
A few months ago I ended up filing some disputes because there was incorrect and incomplete information on my credit report. So I prepared a nice letter and sent it with a copy of my driver 's license, proof of my social security number and proof of my mailing address so that Experian would be able to verify my identity. 
It has been at least 2 months since I mailed my letter and I have n't heard back. When I try calling their XXXX number they want a report number before I speak with an agent and since I do n't have one I ca n't speak to anyone. 
I thought that the credit companies had to respond back to me within 30 days otherwise they are supposed to remove things from my credit report?! 
Well it 's been way more than 30 days and all of the stuff I disputed is still there. I know I can go online and buy a credit monitoring service and try to dispute things online but I thought that Experian is supposed to help me for free! 
I 'm at the point where I 'm done wasting time and need to get this fixed immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-18 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
well at first it basically it had every thing right but the chapter of Bankruptcy I filed so I disputed it along with other info of credit cards and loans that had the same thing. it first said undesignated chapter so when I disputed it and told them it should be a chapter XXXX Bankruptcy and that it should say discharged. So after a few weeks Experian sent me the disputed results. now it saying I had XXXX Late payment in XXXX of XXXX oh it also says Charge Off as of XXXX XXXX and that it was a chapter XXXX in XXXX. I had filed for chapter XXXX on XXXX XXXX, XXXX so I know that I was not late and Had Never in my life filed for chapter XXXX. So then I had tried to dispute it again and the sight will not let me. so I also contacted the creditor of that account and was transferred to XXXX different people and they said they had no information on it and then basically hung up on me because I told them I wanted it fix or I will call my Lawyer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28 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:
XXXX wireless mobile account listed in my report is not mine and is in another state, Ohio.

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