vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have disputed this with the Credit Reporting Agencies and with the credit card company. The credit card company has admitted that this was a fraudulent attempt to open a line of credit in my name and that they would have the inquiry removed from my credit. It has been 41 days since I was told it would be removed. I was told it might take up to 30 days to be removed. Why does it take so long to be removed? I certainly does n't take that long to be added!!! I plan on purchasing a home in the very near future and this will effect my interest rates. I want this removed immediately!

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 2017-01-07 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:
Despite my four written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of re-investigations, Experian stated in writing that they verified that these items are being reported correctly. Experian refused to address my request to identify who in their company verified the accuracy of these accounts or how they verified them. Experian is not willing or able to produce a document that proves the accounts in dispute belong to me and the information being reported is accurate. The failure to provide me with verifiable proof required from Experian to post the accounts listed below is evidence that it does not exist and therefore is proof that Experian can not properly verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( a ) of the FCRA, you are required to " promptly delete all information which can not be verified. '' Due to Experian 's continued willful disregard of the law, I am filing this complaint to get the following unverified accounts removed from my credit report file. 

1. XXXX XXXX XXXX ( remove unverified account ) 2. XXXX XXXX XXXX ( remove unverified account ) 3. XXXX ( remove unverified account ) 4. XXXX XXXX ( remove unverified account ) 5. XXXX XXXX XXXX ( remove unverified late payments XXXX XXXX XXXX, XXXX XXXX, XXXX 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 non-monetary relief
Consumer complaint received 2016-11-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
PLEASE NOTICE ITEMS # XXXX ON THE UPLOADED CFPB COMPLAINT REVIEW PDF. EXPERIAN DELETED THE NEGATIVE ITEM ... 
I 'm a little confused. Two months ago, I disputed the following previously deleted account as being inaccurate, and Experian deleted it because the furnisher agreed with me. 

But today, I went online and checked my credit and noticed that your company put the previously deleted account that was deleted back onto my credit without notifying me. From my understanding, if you re-insert a previous item, you must notify me at least five days after placing this item back on my credit report. So why was I not notified? Because of your actions, my credit score dropped by XXXX points, causing me to pay a higher interest rate on my loan. In addition, I read an act on the FTC website stating that your action is a violation which carries a fine. 
Please delete this previously deleted 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 2016-10-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I FILED A DISPUTE WITH EXPERIAN CREDIT BUREAU ABOUT MY COMPLAINT OF XXXX REPORT OF PAYMENTS OF {$120.00} A MONTH WHEN MY PAYMENTS THAT WERE MADE WAS {$170.00} A MONTH SINCE XX/XX/2016 THRU XXXXWITH TWO PAYMENTS MADE XX/XX/2016 OF {$170.00} EACH. THE ENDING BALANCE IS INACCURATE AND THE MONTHLY PAYMENT AMOUNT IS INACCURATE. I HAVE SUBMITTED BANK STATEMENTS TO REFLECT THE ACTUAL PAYMENTS MADE TO XXXX BY BANK DRAFT

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 — Information is not mine
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have disputed these collections several times with Experian, XXXX and XXXX and they refuse to remove the accounts off of my credit report for the account numbers XXXX, XXXX, XXXX. I have advised all bureau 's that this hospital refused to use to XXXX medicaid provided to me by the state at the time of nmy XXXX and issued these medical bills through the employer I no longer worked for as i was too ill to work and terminated my employment. These medical bills were processed fradulently and I request that they are removed immediately. Medical covered for my XXXX medicaid provided by the state of florida can be verified through the state or as requested. I am requesting all late fees and all three account be removed.

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 2016-04-22 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I brought up several issues about someone stealing my identity in my prior complaint and we are now on day 35 and nothing was done regarding the original case number. They generically replied " We believe the inquiries are factual '' without actually looking into them. 
Other credit bureaus, such as XXXX and XXXX, have addressed some of the issues I brought up. Experian simply ignored my request to investigate or remove the unauthorized, fraudulent inquiries from my account. This is severely affecting my ability to apply for credit and get approved or get a decent interest rate despite my flawless payment history. 
I also tried to follow through via phone call to Experian Customer Service earlier this month on two separate occasions. To their credit, XXXX inquiries were removed almost immediately. However, they have still not removed the other ones that were unauthorized. They have only told them XXXX company responded ( XXXX XXXX XXXX, where I was originally alerted the fraud of all cases! ) and said they would not remove the inquiry. They stated the rest are still pending, but it has been over 7 weeks since I brought up my original complaint! This should have been properly resolved at the latest over a week ago under the 30 day response period. 
I am attaching images of XXXX of the checks that the XXXX XXXX XXXX checking account fraud department addressed. It seems that no one in the credit card department actually did anything and that they do not talk to the checking account fraud department. I also have voicemails on my cell phone with people trying to scam me telling me what my social security number and address is and trying to get me to pay a non-existent debt via XXXX XXXX or I will be arrested at work.

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 2017-03-07 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have a $ XXXX/mo credit monitoring account at XXXX. It was setup under a free trial 6-8 months ago, but I have been unable to cancel. My membership no is XXXX. The company requires calling XXXX to request cancellation. I do that, but the message says service representatives are busy. After 30 minutes or so the line just hangs up. I have no way to cancel these charges, for a service I do n't want and never intended on using.

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 monetary relief
Consumer complaint received 2016-05-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
contacted experian in regards to incorrect information on my credit report. I received a letter today XXXX/XXXX/16 stating experian will not re-investigate the incorrect information for me. I have provided substantial information proving that these accts were never late. I am re-sending today copies again from the bank showing proof that my report is to be corrected. There are XXXX items on the report that are showing as negative ... ..I do not understand because under that it states paying as agreed but showing in potentially negative. These acct 's were never paid late and I have proof to show so. I am complaining because they ( experian ) sends me this letter stating they will not re-investigate for 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 2015-04-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Dear Consumer Financial Protection Bureau : Please, I have written the XXXX Credit Bureaus ( XXXX, XXXX, and Experian ) to contact XXXX XXXX XXXX in order to credit me for the credit history I established when I purchased a XXXX XXXX XX/XX/XXXX and continued paying for it until XX/XX/XXXX when I finished the payment. Attached are the letter and summary of my account history from XXXX XXXX XXXX. I have been turned around each time I have called the credit bureaus about this while they continue to report that the XXXX XXXX XXXX do not report to them ( Credit Bureaus ). The credit bureaus should not have any adverse reporting against me when I have been buying and paying for my vehicles in full. They seem to be interested in hurting consumers than trying to help us. I could not be establishing a good credit while they continue reporting the adverse hurting credit histories instead of reporting the good credits I have worked hard to establish. I do not know what else I could do to help my credit reports than to appeal to you to help get my established records credited for me. I am being dribbled by both the credit bureaus and XXXX XXXX XXXX. This is a report against Experian since you told me to file separately against each credit bureau.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have disputed this item with the credit reporting agencies ( XXXX, XXXX, and Experian ). Every time I dispute the item, I receive a response that the item is valid. However, I NEVER receive any documentation that proves that ( 1 ) the debt is valid and ( 2 ) the debt is mine. 

I 'm at my wits end with the massively irresponsible behavior demonstrated by the XXXX credit reporting agencies. Without proof, the credit collections company ( XXXX XXXX XXXX ) has absolutely no right to place this item on my credit report. 

Please help me resolve this issue. THIS IS NOT MY DEBT, AND I REFUSE TO PAY FOR A DEBT THAT IS NOT MINE. 

Thanks, 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 2016-11-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My problem with Experian report, credit item XXXX XXXX XXXX showing filed chapter XXXX on XXXX XXXX last report, that is Totally wrong, I filed BK chapter XXXX on XXXX XXXX XXXX first time I disputed was on XXXX because experian show BK chapter XXXX and they change it to CH XXXX, but they mist up that Account must remove from the report by XXXX XXXX but still until XXXX XXXX. 
I disputed several times for last two years and every time I disputed the Result comes worse than before, like Account is scheduled to continue on record until XXXX XXXX and XXXX XXXX and XXXX XXXX and last one until XXXX XXXX, so every time i disputed it show like I just filed BK. 
I send them all documents like court order, date of filing and discharge date, and I ask them to give me they source and they never did, XXXX Information on the report its wrong I tried to contact with them but wrong INFO. XXXX XXXX XXXX on the report is XXXX XXXX XXXX TX XXXX. I got mail back, and phone number XXXX is disconnect. 
Please I need your Help, I 'm not asking for fever I 'm asking for my right. 
by the way all accounts are removed from my credit reports XXXX XXXX except XXXX, and if you need any more documents let me know. 
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 2016-11-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have a Collection on my account from a car loan company XXXX XXXX ( Previously XXXX ). They are not reporting their Information accurately. It is inconsistent On all XXXX of my reports which I have disputed all XXXX reports and each report is never Updated correctly Nor deleted since it is not 100 percent accurate per FCRA. I am now requesting since the Credit Reporting company wont delete the record, And the Credit Furnisher Wont report it accurately I am Requesting Help From the Bureau Of Consumer Financial Protection.

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 2016-04-25 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report shared with employer w/o consent
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX of XXXX pulled my credit on XXXX/XXXX/2015 from minimum XXXX banks and other institutes without my authorization. I called XXXX of XXXX, XXXX TX XXXX to remove the inquiries on phone, they said I should ask Credit Bureau, when they will contact ask them, we will ask them to remove. 
I spoke to XXXX credit Bureau, they told me to contact the company who pulled the credit file, or I call individual company. 
My credit is ruined by these marketing guys, My son XXXX years old goes to XXXX, he is on XXXX, I am trying to get a vehicle XXXX but due to many unauthorized inquiries and negative impact on credit report I am declined for that and also for other financial help I try to get some loan. Please help me I am not able to deal with big companies they do n't care and do n't want to listen what I am saying. For me and my XXXX son its very important to remove from my credit repot. 
I would appreciate for your kind help, you can see in attached lists how they have pulled my credit report. Not only me but my XXXX ( I am XXXX ) family and specially my son who is on XXXX student at XXXX ( XXXX XXXX XXXX ) who really needs transportation and van XXXX, due to too many unfair and unauthorized inquiries. 
I have attached XXXX files, includes all XXXX credit Beureaus

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 2016-11-10 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:
My credit report shows an item that was previously removed and then re-inserted. The FCRA states that the bureau must send a letter to the consumer within 5 days of a re-insertion, they have not. 

On XX/XX/XXXX I requested validation from XXXX via certified mail tracking # XXXX sent to the address that they reported on my credit at XXXX, IL XXXX. The letter was returned as undeliverable, they were using an invalid, bogus address making it impossible to get a response to my validation request. As such I disputed the item with the credit bureaus on XX/XX/XXXX and sent them proof of the " undelivered mail ''. The item was removed but later reinserted. 

XXXX # XXXX was no longer reporting on my credit report on XX/XX/XXXX under report # XXXX and it was reinserted on my credit on XX/XX/XXXX. 

I notified Experian via certified mail of the reinsertion on XX/XX/XXXX, see attached copy of my letter. 

They have clearly failed to follow the procedures as outlined by the FCRA. Furthermore, this item continues to report on my file for months now when it was removed nearly 12 months ago. This is very damaging to my credit. 

I 've been writing letters to both XXXX collection and to the XXXX credit reporting agencies. Furthermore, I also sent a letter to the " Registered Agent '' of XXXX to XXXX to a different address as listed on the corporate records. He was in receipt of my letter on XX/XX/XXXX, to date I 've received no response from him and it 's been over 6 months. 

It 's absurd how difficult this has been, a consumer should not have to go through so much just to get a resolution to a complaint. This company should be reprimanded for using a bogus invalid address and avoiding complaints as an attempt to not follow FCRA/FDCPA law. 

A normal consumer does n't have the means, time or energy to file a lawsuit against them, but according to the FCRA/FDCPA procedures they 've failed, there are multiple violations and should be sued. Please remove this listing from my file immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that Credit Bureau 's disclose to me all of the documents that they have recorded and retained in their file at the time of a request concerning the accounts that they are reporting in my credit report. I requested copies of the documents that they have in their files that were used to verify them. 

If they do not have any documentation in their files to verify the accuracy of these disputed accounts then they should delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties they are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if Credit Bureau 's are unable to provide me with a copy of the verifiable proof that they have on file for each of the accounts listed 30 days they must remove these accounts 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 explanation
Consumer complaint received 2017-02-19 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
It 's a lot of things on my credit that were paid but, still reflects negative readings which is n't allowing my credit score to elevate accurately. XXXX XXXX, XXXX and XXXX are the XXXX main negative items that weighs heavy on my credit report which is preventing me from purchasing my first home.

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 2015-04-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I was the victim of identity theft in XX/XX/2014 and had money stolen from my checking account at XXXX XXXX XXXX during the period of XXXX through XXXX 2014 through unauthorized charges. I subsequently was able to launch investigations and with XXXX XXXX XXXX 's help I was able to recoup most of my money. However, I did fall behind on certain bills because of this issue. I incurred XXXX 30 day late payments on XXXX accounts as a result of the identity theft in the period. XXXX 30 day late on my XXXX XXXX XXXX XXXX credit card, XXXX 30 day late on my XXXX account, and XXXX 30 day lates on my XXXX. I have been working with these XXXX creditors and Experian but they do not seem to fully appreciate the issue. I do n't feel like I should penalized on my credit reporting which impacts cost of credit and job opportunities when I am the victim. When I try to discuss the issue with the creditors they tell me to speak to the credit reporting agency. When I speak to the credit reporting agency, they tell me to speak to the creditors. I am the consumer that is stuck in the middle and neither party can explain to me what the process is to resolve. I have also filed a complaint with the Federal Trade Commission and received an identity theft affidavit. I am including copies of the FTC affidavit as well as several claim forms from XXXX XXXX XXXX where I had to have XXXX XXXX XXXX investigate the claims. The claim documents were provided to the creditors and credit reporting agencies but I could not get a response from them on how to address this issue. Please let me know if you can help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief