vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-04 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 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 2017-03-05 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
I have encountered many incidents of financial identity theft dating back since XX/XX/2015. I was made aware of this payday advance loan when I received a letter dated XX/XX/2015 stating an unpaid collection had been reported. I did not apply for this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
ALL CREDIT AGENCIES LISTED FRAUD/ UNAUTHORIZED INQUIRIES WITHOUT MY CONSENT TO REVIEW CREDIT FILE ... REMOVE ALL FROM FILE ASAP

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This is a written request that you investigate items that I believe to be reported in error. These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items must be investigated and then deleted : Incorrect Name : XXXX XXXX XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

Incorrect Social Security Number : XXXX This SSN is incorrect and is not an accurate SSN for me. Delete this SSN and any accounts associated with it for violating the FCRA. 

XXXX This SSN is incorrect and is not an accurate SSN for me. Delete this SSN and any accounts associated with it for violating the FCRA.

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

Complaint narrative:
I have submitted the attached documentation to the credit bureau and they will not delete this account from credit report. They have on more than XXXX occasion send a report and stated that the item remains.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Attempted to get my annual free credit report from Experian online, through the website " XXXX '' ; filled out the necessary information, chose " Experian '' as the agency from which I wanted the report and was provided the message : " We 're Sorry '' and " A condition exists that prevents Experian from being able to accept your request at this time. '' ( " Online Delivery Unavailable. '' ) I repeated the request, without success. 
I also attempted to contact Experian to resolve the problem but was unable to file a request or to speak with anyone at Experian. 
My complaint is that I should be able to access my credit report online, yet Experian is blocking me. 
What can I do to get Experian provide me a copy online of my free annual 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 2016-06-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Credit Bureau refuses to remove or validate erroneous false information on my credit report. Credit Bureau Reps admit that a " computer " verifies it. I have repeatedly asked for their method of verification which is my right under the FCRA section 611 ( a ) ( 7 ). I have contacted the courthouse and I have a letter from the Clerk of Court that stated that they DO NOT VERIFY with the bureaus. They will not tell me what third party vendor they " verify '' with so that I can dispute directly with them. 
The information that they are reporting has many factual inaccuracies which they refuse to correct or delete.

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 2016-08-12 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Experian refuses to remove a security hold on my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-28 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Credit Associates, Inc. (MO)
State: MT

Complaint narrative:
Wednesday, XX/XX/XXXX a sheriff showed up at my place of employment and also at my husband 's place of employment. The sheriff served us papers from Credit Associates for a debt we owe of XXXX to XXXX XXXX. I had made payment arrangements with to credit agency of XXXX. I made XX/XX/XXXX and XX/XX/XXXX 's paymenst.My husband was diagnosed with XXXX XXXX in XX/XX/XXXX and we had a deductible of XXXX per-person. We have many doctor and hospital bills and it 's been very difficult to keep track of them all.That being said, I missed a few payments.My last contact with XXXX XXXX was XXXX XXXX to which I told them I would try to get a loan but because of poor credit we were unable to get a loan. We were still trying to come up with the money when about 49 days later a sheriff comes to our place of employment serving us papers. This was the most humiliating, scary, and embarrassing thing that has ever happen to me and my husband. Now I 'm in fear of loosing my job over this. I 've tried to settle with this credit agency but they have refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-04 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My credit report is reflecting a Judgment from XXXX XXXX this a unverified Debt given that midland funding did not report this to you but a data Minor did there is a not a court in the country that verifies the stats of a Judgment. I called the Circuit court Myself they would not give me any information about the Judgment. Please Provide me with the name of the person verifying this debt because they will need to be prepared to tell a judge just how they Verified this information the court does not report this and does not verify the information Account number XXXX. My personal information was reported by a non- debt holder Aka A data Minor the Release of tax Number for this debt is XXXX XXXX XXXX Recorder of Deeds

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 2015-04-22 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I feel my credit scores should be a lot higher then they are.All payments have been on time, I have small balences on the credit cards that I have. The scorces do n't match the numbers, can you look in to this? Over the last 3 yrs I have done a lot of work to get it right, the reports are great the numbers do n't make since.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-26 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 can not get any help from EXPERIAN. I tried emailing the message below as a result of all my mailed correspondence being returned to me with the claim that their Agency thinks I am not me. They are ruining my credit and will not help me with anything. I am blocked on their website form filing any disputes on my information. I can not get help by mail. No one will assist me at all. 
Please read the following email : Sent to Experain : I just spent two hours attempting to navigate your site. At this point I have no idea if I even have an account. I can not login. I can not find my report. I can not figure out what I was charged for or how much I was charged after inputting credit card information twice. Which I also can not understand since the only reason I even started this whole process was because I was offered FREE access to my Experian report. 
Kindly explain what is going on. I need to know what I have been routed into here. 
In addition I was just declined credit due to my Experian report and I am told I have the right to my FREE report. How do I request that? I am requesting that. 
Your agency is giving me a rating that is XXXX points below all the other reporting agencies. Due to the impossibility of emailing anyone at your Agency and also not being allowed to access my online information, I can not dispute information that is obviously incorrect. Otherwise there would not exist such a large discrepancy in the numbers. 
I would appreciate any assistance your can provide on these issues. 
If you can not assist me with any of this, I need contact information for whomever can. 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14 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:
Recently applied for auto loan for new car. When my credit was ran the report stated that I was 60 days delinquent on my child support to XXXX County and that I have serious delinquencies. None of which was on my credit history when I received a auto loan last year credit score also was effected by there action. When contacted agency stated because of being late with my support payment which was late because of going thru the courts XX/XX/XXXX and XX/XX/2011.

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 2015-12-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Regarding Experian Public Record on my Credit Report, I filed a chapter XXXX bankruptcy XX/XX/XXXX ( more than 10 years ago ) I filed a chapter XXXX bankruptcy, dismissed in XX/XX/XXXX ( more than 8 years ago ) **They are both still on my Experian 's credit reports. 
See documents attached below. Thanks much : )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have XXXX items on my credit report that I had nothing to do with : XXXX, XXXX. 
I only owe XXXX hospital bill from : XXXX XXXX I 've attached my current license and XXXX additional forms of identity verification ( birth certificate, social security card )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I had hired XXXX after many attempts requesting loan information from a home equity loan from XXXX XXXX. After XXXX XXXX federal XXXX failed to respond and provide requested information. XXXX and XXXX removed account completely. Experien after disputing did not find anything wrong, I resubmitted dispute and they are now investing by contacting furnisher. XXXX XXXX has also reported illegal update stating this account was an open revolving line of credit. Which recently interferred with first savings denial on my home refinance application. They had asked if I intend to pay off XXXX XXXX. After they illegally closed my home at sheriff sale they continue to abuse me by punishing my credit history which controls my way of living. XXXX XXXX real estate XXXX XXXX has recently said they do not like me therefore they did not sell my home to my brother. Which I had rights as home owner to simply transfer title from very beginning.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian is reporting an account from XXXX XXXX XXXX, which is incorrect.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 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 very concerned that it seems as Experian has not followed the provisions of the Federal FCRA which specifies that a reasonable investigation to determine whether the disputed information is inaccurate/unverifiable or delete the item. It states that if information disputed by the consumer is found to be inaccurate, incomplete, or can not be verified that the consumer reporting agency shall promptly delete the information from the file. In this case no verification of these listings was provided. I initiated a dispute with Experian for a listings for XXXX XXXX Bank XXXX and XXXX XXXX, that should not be on my credit report. The investigation was completed by Experian noting that the outcome of the dispute was Updated. However, there was nothing updated and the listings are still showing with the same information prior to the dispute. I contacted Experian over the phone because the listing looked the exact same prior to the dispute and should be removed. On a recorded line the representative verified that he saw the exact same thing I did that there were no changes. The credit bureau is not following procedures on making sure creditors are substantiating listings to reports. It 's almost as if they work for the creditors. I also have been having an issue with this company removing an inaccurate address that should not be on my file. I have requested numerous times and they tell me that they ca n't remove it when they can.

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 2015-05-15 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:
They have sent me a report that reads the XXXX fraudulent accounts remain. They have willfully violated the FCRA in that they have not blocked the XXXX fraudulent accounts as requested in full accordance with legal provisions set for victims of identity theft and they have provided no explanation as to how they have investigated the accuracy of these accounts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
Experian is not responding to my requests to investigate and remove accounts 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 2016-11-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I used to live at XXXX XXXX, XXXX XXXX, Tx XXXX and i joined XXXX on XX/XX/XXXX.I had to vacate my apartment and break my lease because i have to go for XXXX XXXX XXXX and XXXX. My XXXX started XXXX XXXX and ended XX/XX/XXXX.I then proceeded to the XXXX. I got out of XXXX in XX/XX/XXXX.I relocated to XXXX, Texas in XX/XX/XXXX.I got an apartment in XXXX, Texas and during background check, they discovered i was owing XXXX $ XXXX.I called the manager at XXXX and she told me that, I incurred a debt of {$110.00} because they spent it to clean my apartment unit after i moved out.I asked her about my security deposit and she told me that, i have forfeited that because i moved out without completing my lease agreement.I explained to her that i broke the lease because i had to go for my XXXX and i submitted all necessary papers.The apartment manager said she is aware of that but it was their policies to hold on to the security deposit.She then told me that my debt has been given to an external creditor.I called the external creditor instantly and paid the debt.The external creditor ; XXXX XXXX XXXX XXXX ( Phone Number XXXX ) closed my account after payment but the left it on my record.My problem is that this debt appears on my credit report anytime my rental history is pulled up and prevent me from getting an apartment unit.I was on a XXXX and i should not incur this debt in the first place.I will be grateful if this particular record is removed from my credit report.I dispute the validity of the debt and actions taken by the Management of the XXXX and XXXX.Please find attached document showing details of my schedule and program for my XXXX and 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 2016-10-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XXXX XXXX, 2016, I checked my credit report and all my inquires were deleted from my credit report. I filed a complete with cfpb and the issues was resolved. All of the inquiries that were previously on my credit report has been deleted. However, the inquiries on my XXXX and Experian are incorrect and needs to reflect the same as my XXXX credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
A collection account from XXXX XXXX XXXX that was previously removed from my Experian credit file was re inserted onto my file. This account was included in chapter XXXX and should be not be listed as it was previously removed. This account is not collectible due to it being discharged

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 2016-08-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have XXXX mortgages being reported as unpaid from XXXX it 's been paid in full enclosed is a email from XXXX attorneys

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 2017-01-15 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: WA

Complaint narrative:
It 's a struggle every time I try to get my free annual credit report from the credit reporting companies covered by annualcreditreport.com. I try to space out my requests so that I get a different one every 4 months, but I can usually only get a single one per year from XXXX as it 's the only one that works consistently. XXXX is always blocked by my anti-virus system when they try to transfer me to a malicious website and Experian always tells me that I 'm blocked from ordering through the official website and must make my request by US Mail. These problems have gone on for several years now and I 've tried reporting them to annualcreditreport.com, nothing ever seems to change. It seems that they make it so difficult to get the legally required free report, that the only way to accomplish it is to buy some bogus service from them. Why does n't the government put a stop to this?

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