vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-29 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian continues to negate the facts of FCRA laws. I have asked countless times for inaccurate information on my credit file be investigated and shown proof per FCRA how they verified said account information. Simply telling a consumer that an account is verified does not show me how they came to this conclusion. Per the FCRA I want to be given the proof that I 've requested. The credit report I received does not show me anything but the words " verified, '' which is not what I asked for.

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 2016-03-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I have disputed with all XXXX credit reporting agencies, I have over 7 year old accts they will not remove. I have a collection that all but XXXX agency ( XXXX ) will not remove. 
None will provide me with full account numbers proving they belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To whom this may concern, This is a follow-up to my previous letter sent to Experian on XXXX XXXX, 2016, which to date has not yielded a response. 

I am writing today because the address information on my credit report in inaccurate and this is causing me substantial headache when managing accounts at financial companies. 

Please update my address to : XXXX XXXX XXXX, XXXX XXXX, California, XXXX. I have been living at this address for over 4 years. 

Further, to avoid confusion with banks, please remove any other addresses or mark them as " former addresses '' if possible. 

Attached is the necessary identification, pursuant to XXXX XXXX XXXX XXXX, that establish proof that this account is mine and that the request for modification on my credit report is true and accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Is it legal for the Credit Bureaus to reflect late pays and charge-offs on debts that were NOT late and were in good standing at the time I filed my Colorado bankruptcy in XX/XX/XXXX ( due to loss of income and unemployment )? My bankruptcy discharged at the XX/XX/XXXX. My debts were all in good current standing at the time I filed bankruptcy. All my debts ARE reflected as " discharged in bankruptcy '' with {$0.00} balances now in my credit reports. However, some of the bureaus are NOW also reflecting XX/XX/XXXX ( possibly earlier ) some " late payments '' and " charge-offs '' on those same debts during the 3 months that the BK was " pending '' prior to discharge from XX/XX/XXXX - XX/XX/XXXX XXXX. Everything I have researched on the internet states that these previous creditors are reporting " false '' late pays since they are reflected as " late '' AFTER my BK was filed. Based on the BK laws, I was to discontinue any payments toward any creditor ( which I was unable to do anyway ) after I filed BK so how can they NOW claim " late pays '' and " charge-offs '' on those debts? I had NO late payments NOR charge-offs on my credit record at the time of my BK was filed. All my payments were current and in good standing at that time of my filing for BK. Why are the credit bureaus reflecting this erroneous designation now on my reports? If this is WRONG, why do I have to spend the time and effort disputing all of this when it is defined in the Fair Credit Reporting laws and the bankruptcy laws? This is like being accused of something I am not guilty of and I have to " prove myself innocent '' and am assumed guilty when I am innocent based on the bankruptcy laws. Do n't the credit bureaus have some way in their software to cross-check this information and notify the credit card companies they are illegally reporting something incorrectly? They can not accuse me of late payments and charge-offed debt AFTER my BK filing date when I was actually current on all my payments at the time I FILED my BK, can they?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian is reporting an old debt from XXXX XXXX - its older than 7 years old - the debt was opened in XXXX paid in full in XXXX its also being reported as 30-59 Days Late when the loan is paid in full. 

i tried to obtain a car loan recently and was denied due to this old car debt being reported on my credit file. Its not being reported to any other bureau but experian

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 2015-05-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Both Experian and XXXX show a withdrawn federal tax lien as being a released federal tax lien. I have communicated with XXXX agencies concerning the fact that the IRS has withdrawn the lien and should have been treated as not being in effect. While the information is reporting an event that happened, i.e., the lien was released by the IRS, the IRS also filed documentation showing that the said lien was withdrawn. 
This information has been harmful to my credit worthiness and has had an economic impact.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-12 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 initially disputed items on my credit report, which came back as verified. I believe that the investigation is questionable.

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 2015-05-05 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Dear Madam/Sir : i will kindly appreciate very much to please to see the company respond on my submission number # XXXX. Please send me the respond of the company on line. Thank you. XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I 've been robbed, and my home has been broken into. All of my Identification was stolen. I sent the police reports to the credit reporting agencies to make them aware of the matter. Also, I got on the court docket to inform the court system as well. The judge ordered that these fraudulent trade lines be removed from my credit report, due to identity theft.I submitted a copy of this document to them as well. I 've disputed a judgment, someone wrote a check from my checking account with out my knowledge or consent, at XXXX XXXX XXXX, account number # XXXX. I 'm on my fourth round of thirty day of the dispute process. The supervisor called the court to verify the court document, I submitted, to make sure it was a true document signed by the judge. He indicated to me, that he would take this item off my report, if he could verify the document, and he did. But, as of to date, this item still remains on my credit report. The credit reporting agency " Experian Credit Reporting Agency '' has on file which has been verified from the circuit county courts that this item dose not belongs ' to me, and still they refuse to remove the item from my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-17 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
EXPERIAN RE : XXXX XXXX XXXX XXXX Dear EXPERIAN : The Department of Education no longer permits the use of social security numbers listed as account numbers on credit reports because of privacy concerns and other reasons to avoid confusion of what loan or loans are private or federal loans or those who have multiple student loans. XXXX and Experian continue to report loans on my credit file beginning with social security numbers, this causes confusion of which accounts are federal or private student loans, and also promote security and credit issues with approvals. Experian continous to report credit reporting inaccuracies and false account numbers on my credit file without authentication. I am concerned that XXXX and Experian are also not compliant with the Federal and State laws concerning verifications of accounts and current regulation that restricts the use of use of using social security numbers as account numbers on credit reports or other compliance and rules set forth by the Dept of Ed and the Office of Comptroller. I am asking the CFPB to investigate the use of social security number reporting as account numbers on credit files, because the federal government limits the use of social security numbers and has strict privacy laws e.g. ( privacy act 1974 ) It is not permissible to use social security numbers as account numbers on credit files because it can lead to potential misuse by creditors and banks to pool or commingle accounts, and data furnishers and credit reporting agencies are unaware of 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 explanation
Consumer complaint received 2016-06-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Credit reporting agency will not remove paid tax lien even though documentation states that it is " paid, satisfied, and cancelled from the record. ''

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 2015-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Guglielmo and Associates
State: AZ

Complaint narrative:
Company filed for judgement and the garnished my bank account without notifiying me of the orignal debt, court procedings or intenet to garnish my bank account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have had my identity stolen. The Experian dispute processing is not consumer friendly. You can not dispute online, ( as soon as you select " identity theft '' as the cause for your dispute, the system prevents you from submitting and demands you call their XXXX number ). Once you call the listed XXXX number, there are NO options to talk to someone or report identity theft. It directs you BACK to the website. 

I had to submit the dispute as a 'regular ' dispute and indicate identity theft in the comments and provided supporting documents. The dispute result took only XXXX hours, and they declined to acknowledge the dispute as valid, and the fraudulent activity remains on my credit report. 

I have had the SAME issue with XXXX, but the results took longer than XXXX hours. XXXX is the ONLY bureau to actually assist me, and the only bureau to have human customer service agents on their XXXX numbers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-27 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: PA

Complaint narrative:
This situation relates to a recurring problem I 've been having with Experian. I keep my credit frozen, and only lift the freeze when I know I am applying for credit. I have not had a problem temporarily lifting freezes with XXXX. For the XXXX time in 3 months I have had credit denied because Experian will not lift the freeze on my account. They requested I send additional information to them. I have done that using XXXX XXXX Mail and I have a receipt to show they received the information. They still have not lifted the freeze. Not to mention the other XXXX agencies charge {$5.00} to lift a freeze and Experian charges {$10.00}. I do not believe they are acting in a way that encourages consumers to protect their credit. The XXXX time I complained to you about this, they sent me a credit report. I never asked them for a credit report - I asked them to lift the credit freeze on my account! I am at the end of my patience with them and hope you can help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I attempted to contact a creditor who listed a hard inquiry on my Experian credit report number XXXX dated XXXX XXXX, 2016. The letter was sent via certified mail but was returned to me as " RETURN TO SENDER NOT DELIVERABLE AS ADDRESSED UNABLE TO FORWARD ''. I attempted to contact Experian via certified mail and provided a copy of my state issued driver 's license and United States Passport to support the investigation for possible fraud or identity theft. Experian has placed an extended fraud alert on my credit report and has caused security freezes affecting use of my credit and bank cards. This company has not provided me proof that any investigation was conducted and has failed to provide me with a copy of my credit report upon disputing the item with them by phone. I have sent numerous letters and have been unable to resolve this issue. I would greatly appreciate your assistance with this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Credit Reporting Agency fails to removed inaccurate account from my credit report. 

There is an account with XXXX XXXX XXXX which began reporting on XX/XX/XXXX, and have been reporting ever since to day. The problem is I was in a no assest based Chapter XXXX bankruptcy that was discharged on XX/XX/XXXX. This debt is from XX/XX/XXXX, and the Credit Reporting agency refuses to delete. 

This debt ca n't be assigned to XXXX XXXX system on XX/XX/XXXX if all debts were discharged on XX/XX/XXXX. Thus XXXX XXXX XXXX has no collection authority on a discharged debt nor can they be assigned an already discharged debt. 

I have disputed with both the credit reporting agency, and XXXX and they are refusing to delete.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have been in contact with XXXX 's Bank DE since XXXX XXXX about the error in reporting on my credit report. The error is hindering the purchase of a new house for my wife and I. I have given permission for XXXX XXXX Bank to withdrawal monthly payments from my personal checking account since XXXX XXXX. Since this has been set up and they have been withdrawaling the payments they have been reporting me 30 days or more late, from XXXX XXXX to the current date. I have spoke with them about the withdrawals and they stated that my account is current and has not been late. The reporting is an error. Please see attached document. When I spoke with them again today they stated the same, account is current and never been late, but XXXX 's can not remove the error in reporting on my credit report as it has been posted. They stated there is nothing they can do, except for make it right from today forward. This really needs to be corrected as it is effecting my credit score and our home purchase. We are suppose to close at that end of 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 2015-06-28 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: AL

Complaint narrative:
Unable to get my credit reports from any of the credit companies they refuse to provide me my free annual credit report and they claim I have n't provide proper identification, which is a lie.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-01 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I entered my identification inormation in, I did not recognize or remember most of the correct answers. The website then told me I ca n't get my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am filling this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to 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 explanation
Consumer complaint received 2016-02-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Experian reported a XXXX credit card ( XXXX ) report that in XXXX of 2012, a payment was late. It was not. XXXX do correctly reported that the account was paid in full, and closed, but yet they ( XXXX ) continue to report a fictional late payment, that was timely disputed and resolved. Now, preparing to seek another mortgage, I disputed the matter again per mortgage broker, and Experian " investigated '', but it remains on my report. While not fatal, it does slightly impact my rating, and I have asked that the record be corrected and the entry deleted, but to no avail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
My Morgage company Ocwen is preventing me from being eligible for A Harp.They 're reporting an error code characteristic to XXXX which is making the loan be ineligible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I have been trying to clean my credit report up. I have XXXX things on my report that are over 7 yrs old and experian deleted the main XXXX. On my report DHS CS has put my child support on XXXX. I disputed it and it should be removed because its over XXXX yrs old. But they allowed XXXX to change the date and make it a XXXX date open which makes no sense. I also found out by National collections that in XXXXthat they notified all XXXX major credit agencies that fines and arrest warrants were to be taken off. They are still on there and there 's more that that. XXXX is now adding inquiries on my report from XXXX. An investigation by your office should be done by ur office. Also, on my reports is a school loan from XXXX and that is over 7 yrs old and should be removed as well. When I asked the lady at XXXX if they verified information put on the report her answer was " we have no way of knowing if the information is valid or not. '' I have XXXX items knocked off and XXXX more ready to be knocked of and XXXX, XXXX reports that should be. Now they are adding inquiries that were not on there before? There are also many inquiries not initiated approved by me and they refuse to take them off. Please investigate my credit with all XXXX major credit agencies.

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 2016-02-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian is reporting XXXX on my credit report enclosed this is not mine please remove it asap.

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