vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I sent a notice of dispute to Experian about an incorrect " Date opened '' for my XXXX XXXX XXXX account reported by them on my credit report. They report a date of " XXXX XXXX ''. This is not correct. That is the date the account was sold to XXXX XXXX XXXX. by XXXX XXXX XXXX. This account was originally opened prior to XXXX with XXXX which sold the account to XXXX XXXX XXXX. I sent Experian indisputable written proof that the account was opened prior to XXXX. I sent them XXXX account statements, letters regarding the change of ownership of the account to XXXX XXXX XXXX, and the actual affidavit of sale of the account from XXXX XXXX XXXX to XXXX XXXX XXXX. They contacted XXXX XXXX XXXX who apparently is not aware that the account was originally opened with XXXX. Experian and XXXX XXXX XXXX are " re-aging '' my account much to my detriment. This is not legal under the terms of the Fair Credit Reporting Act. Only accurate information is allowed to be reported. Experian chose to ignore my written evidence regarding the age of the account and instead relied on the incomplete and/or inaccurate records of XXXX XXXX XXXX which apparently does not have the whole history of the account. Experian is also incorrectly reporting " XXXX XXXX XXXX '' as the original creditor when in fact the original creditor was XXXX. I keep meticulous records of my accounts and I know when the account was opened and with whom it was opened. 

Experian is continuing to report the incorrect " Date opened '' of XXXX XXXX and the incorrect original creditor of " XXXX XXXX XXXX ''. I have attached evidence proving my case.

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

Complaint narrative:
EXPERIAN IS THE ONLY BUREAU REPORTING THIS TERMINATED AND NON EXISTING PUBLIC RECORD ON MY CREDIT REPORT IT IS DAMAGING ME FINANCIALLY. I HAVE REQUESTED THE DELETION OF THIS ERRONEOUS ACCOUNT SEVERAL TIMES BUT EXPERIAN IGNORED ME AND FAILED TO COMPLY EVERY TIME EVEN THOUGH I SENT THEM PROOF FROM PUBLIC SEARCH AND LETTER FROM COURT STATING THEY ARE NOT REPORTING THIS NON EXISTING BK TO MY CREDIT BUT EXPERIAN IGNORED ALL REQUESTS PLEASE HELP

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 2015-08-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I repeatedly sent this to XXXX and it still has not been corrected.I have called them, faxed them and gone online to no avail. See copy of fax below. The response was my request was illegible and unclear. 
-- -- -- -- -- -- -- -- -- -- -CONFIDENTIALExperian DFA TeamFAX XXXX Pages : FROM : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MI XXXXDOB XX/XX/XXXXXXXXH XXXX XXXX cell XXXX XXXXXXXXXXXXSUBJECT:1. Correct my address. Delete XXXX XXXX XXXX. There has NEVER been an apartment, it is a home. 
2. Correct employment to : XXXX XXXX XXXX. Add a free security freeze to my account since my identity was stolen. 
4. I am not XXXX Military. I am a XXXX XXXX XXXX XXXX. 
5. Delete the address XXXX XXXX XXXX, XXXX, MI XXXX. I have never lived there. This address was reported to you by XXXX. It was the address used by the thief that stole my identity. 
6. Put a free security freeze on my account since my identity was stolen. 

Enclosures:1. MI driver 's license2. Homeowners policy3. Utility Bill4. Police Report5. XXXX letter stating the account opened in my name is not my account and I am not responsible for the charges.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-25 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX is soft pulling my credit report every time XXXX or XXXX XXXX soft pulls it. I called XXXX and inquired about it and they said they have no knowledge of it. I talked to Experian and they said since its only visible to me..they ca n't do anything about it..I an concerned about it because there is not valid reason for XXXX to be looking at my credit report. What can I do?

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

Complaint narrative:
Credit Bureau is in violation of FCRA and has not verified the original signed contract with my signature on it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am submitting a complaint about experian credit reporting agency. I just received my credit report again and I went to re-dispute information on there that is incorrect. Experian will not allow me to re-dispute the information. I have XXXX accts that are held with XXXX bank ... .XXXX. I was told by experian a few months ago that I need to contact the bank directly. I contacted the bank and it was confirmed that my accts were not late and should be showing as satisfactory on my report. I received XXXX seperate letters for each credit card company. I sent in the letters as proof and all they did was fix my express account and put that to the satisfactory where it belongs. As far as my XXXX and XXXX cards they are still listing as negative. This has been going on for months as it is affecting my score which is giving me a hardship in obtaining credit etc. I am annoyed that experian will not let me re-dispute the information. This is completely wrong. This is my credit and information on the report is INCORRECT and they are doing nothing about it. I have provided substantial proof probably 4 times already. My question is why would they finally fix my express account and not the other XXXX being all XXXX cards are held by the same bank. This information should have been corrected all at the same time. It just proves to me that they do not do a thourough investigation and do n't care about me sending them the letters from commenity bank telling them these acct 's were not late and they should show as satisfactory. I also had identity theft done with a XXXX card and XXXX XXXX. I contacted XXXX directly as well ... .i filled out the investigation report XXXX sent me and received confirmation after there investigation it was identity theft and the information should be removed from my report. ( which it is ) however the XXXX XXXX acct that was opened as a result of identity theft they are doing nothing about. Experian just keeps updating the information. I am beyond fustrated as this is my credit and not there 's and it is affecting my score.

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 2016-10-28 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I received a letter from Experian stating that " we are required to notify you that within the last 30 days changes to your name, address, or Social Security Number have been reported to us by a creditor. '' I have not changed any of these items about myself. I contacted Experian to find out who the creditor is that did this. They will not tell me or provide any details. They asked me to order a copy of my credit report to check that all is correct. I did that and everything is ok. But I still want to know what creditor is trying to change my personal information and I believe Experian is required to provide this information 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 explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
There is an item on my personal credit report from a Debt Collector who purchased the debt from XXXX XXXX, which was a debt for a company of which I was a the majority shareholder. I did not personally apply for the card it was a corporate debt. The statements where sent to the company address and for more than 8 years the company made all payments on the account using a corporate bank account. The company XXXX XXXX, In filed Chapter XXXX in the Virginia XXXX XXXX Court. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Filed XXXX/XXXX/XXXX Case Closed by court XXXX/XXXX/XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX bank XXXX XXXX. 
Open Date XXXX XXXX, XXXX Balance {$21000.00} Collection Debt {$21000.00} The Debt was discharged in bankruptcy court. 
I have filed XXXX disputes which Experian. I have asked the company to send me documentation which proves I am responsible. XXXX XXXX. told me the information had previously been mailed two years ago from XXXX XXXX. I asked XXXX XXXX XXXX. via telephone more than 1 year ago for the documents and they never sent them. I asked again today for the documents and they told me as long as I was disputing the claim they would not speak with me. She told me unless I would remove my dispute they would not discuss the matter. I sent the following email XXXX XXXX and the company failed to respond. 

XXXXXXXXXXXX XXXX XXXX at XXXX XXXX To XXXXXXXXXXXX XXXXXXXXXXXX Message body You are Reporting a Debt on my Credit Report which was associated which a XXXX XXXX which I was a XXXX Declared Bankruptcy. I have repeatedly told you via telephone that this debt is not mine personally. I filed a dispute with Experian more than 30 days ago and you have failed to respond.You have as required by law failed to Validate the Debt and as required by law must remove the debt from my credit reports immediately. 

I made you aware this debt was reported in error more than 1 year ago. I will file a formal complaint with the office of the Virginia XXXX if the debt is not removed in 5 business days. 

Please see the attached Filing Information Below to confirm the Company Filed XXXX XXXX. 


XXXX XXXX XXXX XXXX Virginia XXXX XXXX XXXX XXXX/XXXX/XXXX PORTFOLIO RECOVERY XXXX XXXX Original Creditor XXXX XXXX bank XXXX XXXX. 
Open Date XXXX XXXX, XXXX Balance {$21000.00} Collection Debt {$21000.00} XXXX XXXX XXXX I ca n't prove I do n't owe something because they refuse to provide any documentation proving I am responsible. I paid for a subscription to Experian and have disputed this item and asked for Experian to ask XXXX XXXX for the documents and they told me they can not require a company providing them with information to provide proof.

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 2016-12-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I filed a complaint against XXXX XXXX XXXX with CFPB and XXXX apologized and agreed to correctly report my account. Dispute # XXXX. Experian continues to report the account incorrectly and needs to just remove the improperly reported account 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 non-monetary relief
Consumer complaint received 2016-11-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2016 I started my dispute with XXXX regarding Tax Liens and a bankruptcy on my credit report. I asked them in my initial request to validate and verify the debt providing me with copies of any documentation bearing my signature. In the absence of any such documentation bearing my signature, I requested that this information be immediately deleted from my credit file. As you will see in the documentation, Experian deleted all except for the bankruptcy. However, they did not provide any documentation verifying my signature on this bankruptcy. They stated verified but provided no evidence of how it was verified. I then sent another letter on XX/XX/2016 to Experian to validate this information and provide me with copies of documentation associated with this account. According to the fair Credit Reporting Act, Section 609 ( A ) ( 1 ) ( A ), the credit reporting agencies are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all account you post on a credit report otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. In response to this letter, Experian states they have verified the bankruptcy. However, they did not provide any documentation verifying my signature. They stated verified but provided no evidence of how it was verified. I 've attached my letters to the credit bureaus, their correspondence, certified letter receipts, and the latest copy of my credit report from all 3 bureaus. I want the bankruptcy removed if that can not be validated as according to the fair Credit Reporting Act, Section 609 ( A ) ( 1 ) ( A ). If they are not removed, I will have no choice but file a small claims lawsuit against this agency seeking damages for defamation, negligent enablement of Identity Fraud, and violation of the Fair Credit Reporting Act. Any help CFPB can provide will be truly appreciated.

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 2016-11-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian refuses to properly report student loans with XXXX and XXXX as being paid in full, closed, in good standing, with zero balance. These loans have been discharged by the XXXX and XXXX, and I have communicated this information to Experian and provided documentary proof. Yet Experian continues to fail to properly report these loans. I am once again attaching proof.

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 2016-09-27 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There is a business item on my personal credit file and outdated. I have disputed and Experian still has listed. The account is XXXX Bank XXXX XXXX This is outdated ( past the statute ) and should not be on my personal credit file. Action is needed

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 2016-08-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I reviewed my credit report with Experian and learned of an account with XXXX XXXX that I am not familiar with. I attempted to dispute this account with XXXX XXXX via certified letter with the contact information provided on my credit report by Experian as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX This letter was returned to me on XXXX/XXXX/16, not deliverable. I then sent a certified letter of dispute to Experian requesting this account be deleted from my personal file due to inaccurate reporting information with copies of my returned certified letter and proper identification. The above case number was assigned as a result of my letter of dispute of inaccurate information. On XXXX/XXXX/16, I received the results of Experian 's investigation, via letter, stating the account was " updated ''. I reviewed the updated information, and the contact address for XXXX XXXX is still showing as the original address I attempted to send my letter of dispute. ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) I am unable to dispute the account with XXXX XXXX to the validity of it being mine, and I have no alternative as how to settle. I am enclosing copies of my returned certified letter to XXXX XXXX, the results from Experian on the investigation of XXXX XXXX as to my dispute of inaccurate information, a letter of Request of Investigation Validation by Experian, and my XXXX request of the deletion of XXXX Funding from my personal file. 
Any assistance in this matter will be so greatly appreciated. I look forward to hearing from 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 2016-08-01 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I submitted documentation from XXXX XXXX XXXX of an error of reporting 30 days late in XXXX 2016 first week of XXXX 2016. The error is showing on my credit file for all XXXX bureaus.

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 2016-03-16 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have XXXX separate credit accounts which were sold to third party law firms then I was sued, received judgments, and BOTH were eventually vacated AND discontinued by the court system, as they were never proven to be my accounts in the first place. 'Chase/ XXXX ' XXXX sold to 'XXXX ', and XXXX ' is listed under the same name. Experian is not listing them as 'public records ', however the original accounts are still listed, and as 'seriously delinquent ' when they should be completely 'deleted ' ; as with the other XXXX bureaus which have done so successfully. I sent Experian the certificates of disposition from the court, via USPS certified mail, and received my return receipt, yet no response via mail. I followed up online yet the form would not allow me to submit 'proof ', so I followed up with a phone call at which point I was able to upload proof. I received my finalized dispute results via e-mail, listing both accounts as still 'remaining ' on my report, with no explanation.

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 2016-03-07 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I wrote to the creditors, Experian, XXXX and XXXX regarding credit inquiries on my credit reports approximately 3 months and I am still waiting to hear from them. I have asked them to provide written proof showing that I authorized XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, and XXXX to pull my credit. I did not apply for any loans or credit card with these companies. I need these inquires to be removed from my credit report. I will be contacting the State Banking Commission regarding 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 explanation
Consumer complaint received 2016-11-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have submitted more than 3 official requests to have information corrected, deleted or marked dispute along with documentation supporting my claims to all XXXX of the major credit reporting agencies. All but one, Experian has dealt with the issues in question. They have refused to update or delete the disputed items. 
I have been trying to dispute these items for over a year now and this is a clear violation of the fair credit reporting act. The information is not accurate and documentation has been provided to support my claims.

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 2016-03-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
EXPERIAN refuses to delete incorrect variations of my name and address despite my repeated requests to do so as well as providing documentation to them again and again. They refuse to list the XXXX XXXX on my address and have placed the statement " High Risk address because it has pertained to a business or was used as a mail drop or a delivery service. '' This is because they are confusing the business and Post Office in the LOBBY of my building with my condo!

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 2016-09-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I have a XXXX collection bill on my credit report that does not belong to me. It belongs to my sister in law. The amount is for XXXX dollars. My sister in law and I share the same name. We also have a common address involved as well.

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