vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
experian has taken too long with their investigation for XXXX ending in XXXX XXXX ending in XXXX also late payment for XXXX mortgage for XXXX 2015 needs to be marked current for XXXX 2015

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 2016-07-29 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 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 explanation
Consumer complaint received 2016-05-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Hello, I contacted XXXX many times to remove this false information from my credit report. XXXX XXXX XXXX XXXX XXXX gave this company my credit information. My husband took my XXXX daughter to this hospital for treatment. My information was in their system, as I have been a prior patient. Somehow this collection agency reported this bill to my credit, when my husband was the primary holder on his health insurance, and this was not reported on my husband 's credit, when he was the parent that signed for my daughter at the hospital. I did not authorize XXXX to release my credit to a third party agency.

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 2016-07-14 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Contacted Expirean to remove disputes off of accounts on credit report, they told me to contact the creditors. Did that then they told me to contact expirean. Then expirean told me only the creditors can remove the disputes. I have been trying to get this done for the last month so I can get a mortgage, but I keep getting an excuse they ca n't do it. I just want it removed ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Information is missing from my credit report and that is ruining my ability to access credit. Their response to my enquiry is that they are 'unable to honour your request to place credit information into your personal credit report. ' So what do I do?

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 2015-06-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian refuses to properly verify and investigate my XXXX disputes. They have, on many occasions, sent me hurtful and frightening letters accusing me of sending them suspicions letters and requests when all I am asking them to do is investigate and remove XXXX prematurely placed Tax Liens from the public records section of my file. TAX LIENS ID # XXXX and # XXXX are no longer reported in the courts as they were accidentally placed before the the due taxes were received. the courthouse and the county clerk have since been filed them as invalid and they have been removed. Experian 's is also required to delete these XXXX items. These public record items are no longer valid or legal. I have spent so much money sending them correspondences, ID 's, social security card copies, bank and billing statements and they continue to give me the run around. They have verified XXXX items that are no longer under my name and refuse to remove it. How are they verifying these items? I have requested them to provide me the PROOF and some EVIDENCE so that I know and see for myself that an investigation has occurred but they refuse to answer me or correspond to my requests. They have NOT conducted an investigation and i fear that they will continue to tarnish my great record because they do not want to help me and that they have no way of proving to men that they are properly investigation my disputes. They are causing me so much emotional and financial hardships and they continue to accusing ME of wrongdoings. I need the help of the government.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-14 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
There is an account that is listed on my credit report for XXXX, that shows up as a derogatory account. This account was closed more than 8 1/2 years ago, and all of the credit reporting agencies still have it listed, and refuse to take it off. All it says on the report now is " Dispoute resolved, customer disagrees '' but I do not consider the complaint resolved

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: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NH

Complaint narrative:
I also tried to dispute it with XXXX and Experian but they both put a wall up as well. I suspect they are in collusion with XXXX XXXX to keep it on my record. Sorry, but I will not be a tax write off for these large companies. XXXX XXXX is purposefully keeping a closed account on my credit with the aid of all three credit bureaus past the XXXX years which is in direct violation of what the FCRA says and other federal laws stipulate regarding accounts. I only know about their credit reporting fraud schemes because I used a website called XXXX XXXX to check my credit.

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 — Personal information
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have contacted Experian and told them to remove an erroneous address that I have never lived at and it has not been removed. They stated that a collector reported it. However, I do not know of a that collector. I do know that this address is not mine. All the other XXXX credit bureaus changed it and deleted that address to match the address where I have been living at for 25 years or more. But, they chose not to and I feel like it is in violation of my constitutional rights and the FCRA. 

They need to remove XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA, XXXX and/or XXXX XXXX XXXX, XXXX, GA, XXXX I XXXX the # XXXX address and it does not even exist.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-23 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:
My son, XXXX XXXX XXXX, falsely claiming to have power of attorney got access/was given my court ordered spousal support payments, ensuring my ex husband, XXXX XXXX XXXX, that he would administrate my finances. He insinuated his way into my business, including a loan I had at XXXX XXXX on my Jeep Commander. I had an auto-pay arrangement for my car payments. I am not sure how XXXX was paying them but he missed, and/or was late and the car was repossessed. The bank sent everything to him not me, even though I was the client and had the loan. I have no idea what happened. XXXX caused terrible trouble for me from XX/XX/XXXX -XX/XX/XXXX before he stopped. I have to clean up this mess because it is preventing me from getting an auto loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I went onto the Experian site to obtain what I thought was a {$1.00} credit bureau report. Suddenly, I found out later that they tricked me into buying a monthly credit tracking service. I never intended to order this product. Nor do I believe it was made clear on Experian 's web site that I was ordering this service. Upon learning what happened after the first monthly fee appeared on my credit card, I immediately cancelled the product and demanded a refund of the one month fee of {$21.00}. 

The customer service rep and his supervisor refused to give a refund over the phone. I was asked to submit a written request, which I did, and was subsequently again told they would not refund the money. I can not accept this. I never wanted the product. If it was written somewhere on the Experian site, it was done so subtly that I did not notice it. I feel they tricked me into buying the product and spending this money and now you will not refund it.

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 2015-05-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
Recently I disputed a bankruptcy with Experian that was verified as accurate. I disagree with the results. Although i have filed for bankruptcy in the past the date that Experian is reporting is incorrect my bankruptcy was filed XX/XX/XXXX and should have expired off my report XX/XX/XXXX. The bankruptcy is now only reflected on my Experian report and has long been gone from the other credit reporting agency 's ( XXXX and XXXX ). I have uploaded documentation that supports my claim. please review thanks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I am the victim of identity theft. I submitted my police report, affidavit and items in dispute to Experian as they requested and the accounts opened due to identity theft are still reflecting on my credit report in violation of the XXXX that is supposed to protect me from this. Once I give them the identity theft police report, they are supposed to block this information from being reflected and they never did and still are not. They are not following the FCRA or our XXXX that is supposed to protect us from this. 

Experian even said that they contacted a creditor ( XXXX ) in XXXX that is no longer in business due to bankruptcy and is nowhere in the list of businesses conducting business in New York State.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
EXPERIANXXXX XXXXSTATUS IS SHOWING COLLECTION/CHARGE OFF ( SHOULD BE UNKNOWN ) ACCOUNT WAS INCLUDED IN CHAPTER XXXX BANKRUPTCY FILED XX/XX/2015

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-13 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Argon Credit
State: AL

Complaint narrative:
I recently applied for a loan with argon credit corporation for XXXX. I was approved, in a funding status and signed a contract to repay the loan. After a few days they never deposited the money into my bank account I called this loan company where my money was and they said they had a freeze on all loans and they would expedite my request to get my money. They later came back and denied my loan breaking their end of the signed contact and did n't give me my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
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 — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear Credit Reporting Agencies : XXXX has not removed their data from my credit reports yet ... They inserted a false debt that they could not validate and then quickly removed it COMPLETELY so that it was no longer recorded, along with an apology for placing it there. 
Then, ten months later, they reinserted the debt again. When I disputed through the Consumer Financial Protection Bureau, they said that it was 'accidentally ' placed back on and that they will quickly remove it, if I can give them the account number. 
I have provided this debt collector with everything needed in order to remove it completely from my credit reports ... it should n't even be listed under any status. It 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 explanation
Consumer complaint received 2016-01-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Experian continues to duplicate report my student loan on my report. XXXX loan has XXXX reportings, because of consolidation. There should only XXXX reportings. Also, Experian does not put full account numbers on my fed loan servicing accounts, when the base account numbers are the same ; so they ca n't differentiate when I send a detailed dispute, because I am unable to differentiate between the XXXX accounts. Experian continues to allow the base student loan accounts, ( fedloan servicing XXXX-open date XXXX & XXXX acct # XXXX ), to be reported as delinquient ( payment history & account history ) even though the consolidation paid them in full. Both XXXX accounts, should not be reporting on my credit report any longer because they are not the original creditor or the current account holder, that 's why they are double reporting. I have disputes these accounts several times, with detailed disputes, & Experian continues just to verify name, date if birth, etc. No specific account information is verified as correct. I only had XXXX loan for XXXX which was consolidated once. So I should only have XXXX accounts reporting on my credit report, not XXXX. Experian reps continually state they as a company have no lawful obligation to report correct information. Experian, again does a horrible job, verifying detailed disputes, even if I tell them exactly what is wrong. XXXX account XXXX-date open XXXX, should have always had a status of " paid, closed '' - not transferred & closed. It was paid by consolidation loan, & paid in full in XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I tried to dispute Name ( s ) associated with your credit on Experians website and it would not let me delete names that were not associated with 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 2016-08-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
" XXXX XXXX XXXX '' credit inquiry reported on XXXX/XXXX/2016 is not something I authorized. I suspect my identity has been stolen

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 2016-07-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian has investigated an account that is in error but has failed to properly correct the account. The account is with CHILD SUPPORT ENFORCEMENT and the Account Number is XXXX .... Previously the account listed a monthly payment of {$2800.00}. Now the account lists a monthly payment of {$1200.00}. Neither are correct. The correct monthly payment is {$0.00}. Experian has failed to properly correct this account.

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 2017-02-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
wrong date of birth submitted a dispute 2 times but problem still not resolved

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-08 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Ascension Point Recovery Services, LLC
State: TX

Complaint narrative:
On XXXX AscensionPoint Recovery Services, LLC. sent me a letter stating : Dear estate of ( my name ). The letter did not give me my mini-miranda rights nor did their letter state they they were a debt collector. 

I disputed the debt in a letter dated XXXX and requested that they conduct an investigation and to send me the results. 

On XXXX I received another collection letter from them with out receiving results of the investigation of my dispute on the alleged debt. The collection letter attempted to collect {$12000.00} and then it also stated to me : " You personally are not required to pay any of the debts from the estate. '' What estate if I am still alive and the the letter was sent addressed to me! 

XXXX the FDCPA and the Texas XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX was supposed to pay off my XXXX wireless account. The documents sent by XXXX were uploaded to XXXX website and they were rejected. I did not know they were rejected right away. I had called XXXX and been working with them and XXXX wireless to get the corrected information to XXXX. IN the mean time this account went to default and the account is not paid. XXXX was supposed to pay off XXXX. I have emails to XXXX CEO 's with the documents if needed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-01 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 was an inquiry made by XXXX XXXX on XXXX/XXXX/2016 that was incorrectly reflected on my credit report. I contacted the creditor and received confirmation they would make the required updates. I also initiated an online dispute with experian and received a response stating they could not remove it because they are required by federal law to list all organizations that have requested your credit history. 
However, the hard inquiry shown is reporting incorrectly. 
I have attached the letter I received stating this would be corrected.

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