vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
After reviewing my credit report in detail at the beginning of 2016 I noticed some aged and old accounts that I decided to dispute. I disputed several accounts that were reporting wrong and were past the 7 years from the first date of delinquency. I have sent over 5 letters which I wo n't upload all of them but I will upload the most recent. I also contact the creditor people reporting the information and either the letters got returned or they did n't respond. This bureau sent results saying the found the account accurate after talking to the creditor.??? i 'm so confused because these people have n't sent me anything. From what I read the bureaus must complete an investigation and verify certain things with the source and respond within 45 days from date of receipt. I 've discovered multiple holes in their investigation process and I 'm not trying to get them in trouble I 'm simply trying to correct my report. Your site offers a section and I read the " first date of delinquency '' & " 7 years '' to where if it 's been 7 years from that first date you become delinquent then the account must be deleted. Majority of these account fit the guideline and there 's no way the bureaus " verified '' this. Very frustrating bc I feel like they are just trying to keep these account on my credit report so they can make more money on reporting premiums from the creditors who is their clients. As a consumer I feel completely ignored and violated. nOt sure if I 'm the only one but i 'd be willing to bet I 'm not. Hoping they correct some of these mistakes not just for me but for other americans. This has affected me personally bc I 'm trying to obtain financing for a vehicle. 

We HAVE request multiple times for the " description of reinvestigation procedure '' and not only did they not respond within 15 days, experian just completely ignored us. If they actually investigated they would see that it has been 7 ears since our very first payment that was delinquent. EXPERIAN simply wants to keep it on our credit report so they can collect more reporting premiums ... very sad Accounts in question are : 1.XXXX - It is 7 years since the 1st date of deliqeuncy Thank you for your time and i 'm looking forward to getting this resolved. have a great day.

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 2016-11-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am disturbed that you continue to list a dismissed ( filed ) bankruptcy as confirmed. I am aware that you receive your information from a third party verification system known as a pacer system. This system is sometimes inaccurate because of the limitations of providing a complete Social Security number. Although it is your policy to keep reporting bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order for relief. '' Any case, civil or otherwise, which is dismissed, no longer exists in the eyes of the law, and a case filed may never have actually been adjudicated. You have no right to maintain information which the government has deemed non-existent. It is only fair that in accordance with section 1681 ( a ) ( 5 ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy. Considering it does not require an investigation, I would appreciate your response within two weeks from the date you receive this letter.

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 2015-12-30 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: UT

Complaint narrative:
I tried to obtain my annual free credit report. I was unable to do so. It looks like my credit has been stolen!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07 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: TX

Complaint narrative:
XXXX I checked my free credit reports ( it is actually very difficult to do, as the system does not work optimally ; I was able to pull up only one free report ). Because I had to pay for others, I also got my XXXX score. It was above XXXX. Imagine my shock when my credit union told me that Experian was reporting my score at XXXX. It makes a huge difference in the interest rate I can get. Ex. lists a delinquency in my report and other problems that neither I nor the credit union saw XXXX in the actual report ). I have credit history from 1982, and only XXXX 30-day late payment in all that time ( from XXXX ; also subject to a dispute ). It is inconceivable that the score would be so low. Experian needs to correct the errors, so the score may be adjusted.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian credit reporting agency repeatedly adds my son XXXX XXXX to my credit reports every time they do an inquiry on myself XXXX XXXX. My social security number is XXXX. My son XXXX XXXX 's social security number is XXXX. We have different addresses ; My address is XXXX XXXX XXXX XXXX. XXXX XXXX NY. My son 's address is XXXX XXXX XXXX XXXX XXXX, NY XXXX. With different ssn 's and addresses, I do not know way Experian can not get things right. On my last personal credit report # XXXX sent to me by Experian on XXXX XXXX, 2016 which included XXXX pages, Experian listed 19 ( nineteen ) incorrect credit information listings, on that report, that DO NOT apply to me, at all, but they do apply to my son XXXX XXXX. Pages XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX all have 1 ( one ) incorrect credit information listing that DO NOT apply to me, at all!!! Pages XXXX ; XXXX ; XXXX ; and XXXX all have 2 ( two ) incorrect listings that DO NOT apply to me, at all!! And page XXXX has 4 ( four ) address identification numbers that DO NOT and never have applied to me XXXX XXXX XXXX. There are an additional 6 ( six ) addresses listed that DO NOT and never have applied to me XXXX XXXX XXXX, which makes XXXX definate mistakes made on my credit report by Experian. I would like to make a fervent request that You see to it that Experian Credit Reporting corrects ( deletes ) all the misinformation that they repeated list on my credit report, so that a fair and honest report goes out to all creditors on my behalf. XXXX Bless You and Thank You for looking into this serious matter, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX NY XXXX XXXX or 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 2016-09-24 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I XXXX XXXX states a complaint to the Consumer Financial Protection Bureau on a very poor reinvestigation by one of the largest credit reporting agencies. Even though I showed proof that my education loans were always in deferment and that the balances were eventually taken over by another service agency, I have never made one payment ever to the US Department of Education or Federal Loan Servicing Credit. This national agency was only operating as a credit reporting process after the initial procurement of the student loans. The loans were financed privately. Eventually the debt was transferred to another third party. This negative reporting is causing me severe financial hardship. The same credit rating states PAYS AS AGREED, while showing an immediately 90-day late payment status while the debt obligations were deferred from payments. This is highly discriminatory. I am a professional XXXX woman and I find this type of credit reporting to be racially biased and I have zero chance of ever refinancing with this abusive rating process. All credit reporting agencies have a responsibility to maintain the strict standards of not only the Fair Credit Reporting Act, the Fair and Accurate Credit Transactions Act, the Fair Debt Collection Practices Act, in addition to the high standards of equal rights protections such as the Equal Credit Opportunity Act. I believe that the Federal Trade Commission should have a full investigation on racial inequality when it comes to credit reporting processes and that all credit bureaus should maintain the sensitivity that is essential for fairness pertaining to matters of race. My previous complaint brought no action, even though the negative payment history must be deleted permanently. If I do not receive the proper reinvestigation by the credit bureau against the US Department of Education. I will proceed a complaint with the attorney general of my state residency. This improper reporting process is causing me hard financial hardship that can only be understood by minorities such as myself trying to better their lives through education, and working several full time jobs and raise a family at the same time. My credit report needs to have the negative payment history purged permanently.

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 2015-07-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Io, Inc.
State: MD

Complaint narrative:
On XXXX XXXX, Recievables Management Systems was notified by XXXX that the debt was paid in full. 

On XXXX XXXX, Receivables Management Systems send out a Notice of Credit Bureau Notification, stating that I had not paid my debt and that they would be notifying the credit reporting agencies. 

Upon calling them to resolve the situation, I was interrupted constantly before I had an opportunity to explain my problem, and subsequently hung up on. 

I am concerned they will notify the credit reporting agencies in spite of my debt having been paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-04 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 have filed disputes with Experian regarding files on my credit report. Items that should be removed. Experian appears to be processing them and not investigating the matter properly. I have sent letters via certified mail demanding an insight in how these investigations were conducted, who was contacted, names, dates, and so forth as allowed under the FCRA. Experian has not responded nor sent information regarding this matter back.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-23 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:
I have repeatedly disputed XXXX XXXX XXXX XXXX tradelines that have appeared on my credit report for years as not my account. I have requested XXXX to investigate and verify directly and successfully sued them XXXX for violations of FDCPA ; each time XXXX paying me {$1000.00} for the violation but they continue to report these tradelines. XXXX has continually refused to remove and has confirmed they have XXXX documentation supporting these are my accounts but rather only that these accounts are on their books. I have served the credit reporting agencies written and online disputes and they continue to allow XXXX to report these fraudulent accounts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-14 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 has been a house bought in my name and now in foreclosing, car rentals, and many other activities

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 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:
To whom it may concern ; I am writing you to dispute multiple items that are still reporting on my credit report. Some of which are accounts/collections and others are inquiries. Please understand that I first became aware that I was a victim of identity theft approximately one year ago. Since then, as you will see, I have filed multiple complaints ' with the CFPB to both the creditor 's I am disputing along with all three credit reporting entities ; XXXX, XXXX and now Experian. 

At this juncture, I would like to dispute the following information as unauthorized and fraudulent on my behalf ; XXXX - XXXX XXXX COLLECTION ), Acct # XXXX, amount : {$3500.00} as of XX/XX/2016 XXXX - Rental Property Solution ( INQUIRY ) - XX/XX/2016 & XX/XX/2016 XXXX - Previous address ( XXXX ) to which I have never lived : XXXX, XXXX, WA XXXX XXXX, XXXX, CA XXXX With regards to XXXX, I have been a customer of theirs for almost 9 years now and am still currently a customer. I do n't understand how it 's even possible for me to have a collection with a company all the while maintaining a current account. I have disputed this numerous times without any luck whatsoever. In fact, they have always been insanely rude to me and never seem to care about helping me to rectify this issue. I have always been and will continue to be more than willing to do whatever is deemed necessary in order to help expedite this from being removed from my file. 

Lastly, my husband and I have been in corporate housing with his employer since XX/XX/2016. I say this because there is absolutely no reason that I would be inquiring as to any type of apartment housing options. If you notice, that both of the inquiries to which I am disputing are via the same third party company that apparently someone has inquired on my behalf on different residences on opposite coasts. I have called this company several time ( XXXX ) in fact to no avail. They said it is their company policy to never remove inquiries unless I can prove it was a fraudulent inquiry to begin with. Of course, I have never been told how exactly one might be able to do that. Please dispute the aforementioned items as fraudulent on my behalf. I am requesting this as myself and in no way shape or form have been nor will be represented by a third party company. Please feel free to contact me anytime at XXXX. 

Regards, XXXX *********** Credit file # : 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 2016-07-22 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I 'm filing this complaint because Experian has ignored my request to provided 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 matter 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 2016-07-27 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:
Recently attempted to call and confirm another police report sent to Experian. 
Their current stance is we have not recived it ... .. 
XXXX requested a police report dated within the last 30 days so I submited this also to Experian to request FCrA 605b block of information. This nightmare had been ongoing for 3+ mo with them and despite numerous attempts to get hem to follow FCRA laws they refuse. They keep opening investigations. They refuse to supply me with method of verification and continue to place me at an unfair advantage when requesting credit. 
I ca n't get approved for a mortgage due to this account and it 's causing my entire family XXXX and hardship. I have every intention on pursuing legal actions if I do n't get this resolved. 
I am opening a duplicate complaint so I can submit the most reason police report. 
Experian had already recived ID and proof of address from recent disputes related to XXXX different addresses and XXXX name variations.

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 2016-09-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I ask Experian to remove to accounts from XXXX XXXX account number XXXX and XXXX XXXX XXXX account number XXXX. These are the same accounts. XXXX XXXX XXXX has been reporting on my credit report since XX/XX/XXXX and XXXX XXXX XXXX has been reporting since XX/XX/XXXX. I never paid anything on either account and the accounts have been on my credit report exceeding 10 years. If you request payment history, there is none which means that the accounts will be eligible for deletion from the last payment date up to several years and these accounts have been on my credit reports exceeding the seven year deletion period. XXXX and XXXX XXXX are fraudulent reporting to keep on my credit report but however I know and even more so, Experian knows that is against the law, FCRA. I am again requesting the immediate deletion of the accounts from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11 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 am filing this complaint against Experian Credit Reporting Agency for failure to comply with the Federal Regulations. After realizing that my credit has been damaged by the city of XXXX, I went straight to the city to find out the problem. Being there, they asked for my Drivers ' License what I gave them, but they were unable to find any information related to me and they asked me to send a dispute to Experian and have them remove it. I already sent about XXXX disputes letters to Experian since XXXX 2016 with proof that those XXXX accounts do n't belong to me and experian failed to provide me with viable information that those accounts belong to me. I asked experian several times to remove those items from my credit report and each time the send me a response, it 's to tell me that those items have been verified. Realizing that eexperian is acting in bad faith just to protect his interest, i am taking a liberty to report this situation to the FTC to resolve this issue. I have suffered enough with this credit damage. I ca n't refinance my loan, ca n't do nothing with this credit damage. You 'll find attached a credit report with those items, a copy of my drivers license, a copy of my US passport and a copy of the letter from the city of XXXX, bearing the name used to damage 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 non-monetary relief
Consumer complaint received 2016-09-21 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:
Experian claims to have verified a collection from XXXX # XXXX. However the other XXXX credit bureaus investigated and deleted this. Experian did not do an investigation or they too would have deleted 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 non-monetary relief
Consumer complaint received 2015-07-23 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
We were charged for a recurring service by Experian that we never signed up for. Our account numbers are XXXX and XXXX. They refunded us for one month but two months of charges remain ( {$19.00} x XXXX people x XXXX months ) = approximately {$80.00} total

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Mortgage servicing was transferred from XXXX company to another in XXXX XXXX. The new mortgage servicer ( Freedom Mortgage - XXXX TX ) did not start reporting information to credit bureaus until XXXX XXXX. XXXX are properly reporting status ; Experian refuses to investigate why Experian is not reporting the information - referring me once again to XXXX Mortgage. My credit score has decreased from XXXX to XXXX since XXXX and as a result of the bad/incomplete information a {$19000.00} unsecured line of credit was closed by XXXX XXXX XXXX and I have been denied a HELOC from XXXX XXXX XXXX. Experian 's lack of cooperation to resolve this matter concerns me as not only am I suffering loss of credit, but I am also concerned about potential impacts to my XXXX XXXX XXXX as the credit score continues to go down.

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