vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-13 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: FL

Complaint narrative:
I receive a free XXXX score from XXXX tied to my XXXX XXXX card. I am told that XXXX uses XXXX and they are reporting my credit score as XXXX. 
I also have an XXXX XXXX card and they all make my XXXX score available to me and they use Experian and they report my credit score as XXXX 
As a consumer I do not understand why when the term " XXXX score '' is used there is such a large difference in the numbers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
XXXX XXXX XXXX died XXXX XXXX, XXXX, left property to daughter. Daughter went off to military. 
Brother, XXXX XXXX moved into property about a month later. Agreed to maintain property in her absence. 
In XXXX XXXX retired XXXX. Income drastically reduced. 
Maintained pretty well for XXXX years. Reduced income began to take its toll in XXXX. XXXX and XXXX began process of turning property over to XXXX since XXXX decided she would not be returning to the area. 
XXXX gave power of attorney to XXXX on XXXX/XXXX/XXXX. 
XXXX filed a quitclaim deed to XXXX on XXXX/XXXX/XXXX. 
XXXX XXXX XXXX contacted Chase about assuming and modifying the loan. They sent him a transfer, assumption and modification packet. 
For nine months, XXXX went back and forth with Chase to be sure he was getting proper documentation in place as requested. 
Things continued to go no where, and XXXX contacted XXXX XXXX in XXXX XXXX. 
XXXX continued to reach out to Chase and my SPOC refused to discuss case with XXXX XXXX. Claimed they did not have authorization. My counselor, XXXX XXXX, sent an authorization XXXX times and has yet to have a conversation with my SPOC. 
We continue to go back and forth and now I am receiving mail that my home is going into foreclosure. 
My account was not delinquent when I started the process. I am now $ XXXX delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian refuses to remove the incorrect address XXXX XXXX XXXX XXXX, CT XXXX, 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 2016-10-02 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: FL

Complaint narrative:
I attempted to dispute something on my credit report with Experian online. They made it yet especially difficult for me to dispute online. Each time I attempted to dispute online, I was advised I needed to mail a copy of my ID and other form of ID to them simply to file a dispute. Also, I wanted to permanently remove a security freeze on my credit report again this was difficult as I had to provide a time frame for which it could be replaced back onto my credit file. I wanted it permanently removed Credit reporting companies know what they are doing and simply take advantage of consumers and make things so difficult for people these days. I also have XXXX XXXX XXXX accounts I never initiated or applied for on my credit with Experian. The other XXXX bureaus have thus removed this from ny credit report but Experian has not done so and I do n't understand as to why. These are my grandmothers accounts and are not mine.

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 2016-10-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Re : Chapter XXXX Bankruptcy reported on my CR. 

The US Bankruptcy Federal Court of FL Does not report to Credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However Credit bureaus actively search public records for any judgments. A bankruptcy is public information, again the US Bankruptcy Federal Court does not report anything to various credit bureaus, nor they VERIFY that information reported on my Credit Report is ACCURATE. EXPERIAN has find information through third party research. 
I contacted Experian by mail to provided me with copies of any documentation associated with this account " BEARING MY SIGNATURE '' with the name of the contact person in court that furnish the information to Experian. Experian failed to provide me with the requested information sending just a letter stating they " VERIFY '' the information and to contact the furnisher that is on my credit report and this is The US Bankruptcy Federal Court, I contacted the court and what I wrote at the beginning of this complaint was the court response. I sent the same request letter to XXXX and they removed the information from my report due to the lack of documentation. 
Experian Violated the law reporting information that they ca n't Validate with the Court stating that they " verified '' the info with the furnisher and this is the court and the court does not provide any information to them. 

No documentation were provide to me bearing my signature or how they verify the information. 
I formally request that this information be immediately deleted from my credit file Experian maintain under my Social Security number.

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 2015-09-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
there is a XXXX XXXX XXXX on the report which i have no clue of, I do n't recall any type of settlement,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX is on my credit it is to old and needs to 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 non-monetary relief
Consumer complaint received 2016-07-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I contacted Experian to remove the " dispute '' wording on XXXX of my student loans. I believed that the listing of historical delinquency was wrong because these loans were supposed to be deferred. XXXX explained that the delinquency was for times that they were not in deferment. THE DISPUTE PROCESS IS COMPLETE. XXXX and XXXX properly removed the narrative. Experian would not claiming that it had to remain on the account for six months. I was under the impression that the federal law covered all XXXX bureaus. Since there is a section that deals with what may be contained in the file and for how long, how is it the Experian gets to have one set of rules and the other XXXX bureaus another set? 

This impacts my credit score for six months even though I am no longer disputing these items. The Fair Credit Reporting Act provides that the actual present status of my credit be displayed. Refusing to remove these dispute narratives puts my entire report in an improper status with regard to score. This should be a very good class action lawsuit. 
The loans are listed as XXXX XXXX and 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 2016-08-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have received my results from experian in which they claim my personal wrong information has been deletes but in reality all wrong personal information is showing and affecting my credibility with financial companies.

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 2015-08-21 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:
The agencies Experian and XXXX has refused to verify and validate the accounts XXXX, XXXX XXXX, XXXX XXXX party, these are fraudulent accounts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I am writing to dispute the following information in my file. I am requesting that the Late Payment be deleted to correct the information. I have never been late on my account. 
Sincerely, I have been a loyal client of XXXX. I have had no problems with the service until a late payment was reported to me report wrongly, in XXXX, due to a banking error. My credit report shows a 30-day late payment in XXXX 2015. However, I was not late. I have enclosed copies of my statements. Per XXXX policy accounts ca n't be reported late until 60 days. My account was not late. I was given wrong information from to make a payment of {$48.00} in XXXX to bring account current. That was done. Please correct this 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 2016-11-30 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I called XXXX of the credit companies and requested it be sent by mail. That was two months ago. How can a person prove that when all I talked to was a computer?

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 2016-06-26 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 am a victim of identity theft. Someone stole my personal information and used my personal information and identity to open up unauthorized and fraudulent accounts in my name. The following accounts are unauthorized and fraudulent : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. All the inquiries on my credit report are unauthorized and fraudulent inquiries.

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 2016-12-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have an unverified account from XXXX XXXX account # XXXX that was placed on my credit report and I have been trying for over 4 months to get this entry removed. I have spoke with numerous representatives, supervisors and even managers in regards to the erroneous account and i have yet to get it resolved. This is my 3rd dispute in which I am currently waiting for results. I have repeatedly requested tangible documentation whether electronically or hard copies and Experian has yet to verify. All they send is a letter with a statement saying " the account is verified ''. I demand that this unverified account : XXXX is PERMANENTLY DELETED FROM MY CREDIT FILES due to lack of verification and INACCURATE REPORTING.

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 2016-04-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
credit agencies reporting outdated public records and not my accounts same information 3 times on file, remove all tax liens from file REF # XXXX, REF # XXXX, REF # 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 2016-02-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian has repeatedly sent me purported statements to " confirm '' my address change. I have submitted no address change since updating my address to XXXX XXXX XXXX XXXX # XXXX ... It appears that Experian changes my address at their own discretionary whim, with absolutely no verifiable reason and against credit reporting and accuracy standards. The frequent unauthorized changes of my address can possibly communicate fraud to my creditors, current and/or prospective. This is ridiculous. At one point they even changed my address to a Kentucky address. The letter was actually stated in a manner, " confirming my request to update my address. '' When I asked for said letter that I purportedly sent to change my address to said Kentucky address, they never answered. Experian has also " admitted '' that there was a security breach via 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 2015-10-24 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:
XXXX XXXX 2014, I initiated disputes with Experian XXXX and XXXX XXXX regarding the removal of account reporting on my credit reports that did not belong to me. SubsequentlyXXXX and XXXX XXXX proceeded to investigate and found that the information was incorrect and the accounts XXXX XXXX ) in total were deleted from my credit report. Experian Credit Bureau has not investigated my dispute and has not made the changes to my credit report although I have re disputed these entries ; they still have chosen to do nothing. I am requesting for the third time that these fraudulently opened accounts be removed so that my credit report reflects true and accurate information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Credit reporting agencies have a bankrubtcy in 2009 for me, this never happened. This is caused my scores to fall below the levels to buy a home even in the Hope program. As well I am a XXXX veteran and the creditors have attacked my ratings, I have been sick and will not return to a regular employment position due to XXXX. So all out dated claims against me need to be removed ASAP, I live in Indiana and much of the claims is outdated and has been sold to different lenders that do not have original paperwork with my signature anyway, and I have not confirmed any debts to anyone at any time. I have also protested some as fraud. Especially the Bankruptcy that never happened. This inaccurate report has further damaged my credit. My real estate was illegally foreclosed in XXXX case and short sell in another, and was subject to illegal mortgage practices by XXXX XXXX and XXXX XXXX prior to recession, XXXX XXXX put illegal insurance on my fixed rate loan and forced my payments to XXXX, causing a economic storm for me and my future. They have since admitted this illegal activity but it does not help consumers like me when we can not be properly reimbursed for losses, and damages to financial reputations.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-27 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:
Treated poorly by credit reporting agency staff that no verification needed to be sent. I feel that a proper investigation was not done as there 's XXXX collections on my report for Experian that will not be removed I do own these debts and I am still disputing them, I was told that I have to call the original creditor I 've never received any documentation from either of these companies so I feel that any communication that I start with them could be used in their favor because they are a fraudulent debt collection agency I want these accounts removed as they are not mine. I am a XXXX. Maybe they belong to my deceased father who passed away who shares the same name

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was able to pay/consolidate XXXX students loans from XXXX in XXXX 2015. The accounts should be marked as paid in XXXX of 2015. XXXX is reporting it as late/charged off in XXXX of 2015. I have included documentation as to what is showing on my credit report. I have worked with a XXXX XXXX a Senior Borrower Advocate XXXX. They have failed to get my credit report updated correctly to show that I was not late in XXXX 2015. If the loan was paid off in XXXX of 2015, it is impossible for me to be late. I am submitting documentation from Fedloan servicing to show that the accounts have been paid up via consolidation. I have spent countless hours contacting both XXXX and the credit bureaus yet my requests to have this updated to not reflect that the account was late in XXXX of 2015 have been ignored. This is severely impacting my credit and my ability to receive credit. Please assist me in getting my credit reports updated to show that I was not late in XXXX 2015 and to put into place proper measures that will prohibit both XXXX and the credit bureaus from leaving inaccurate information on American citizen consumer reports. I have enclosed supporting documentation. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
For some reason Experian is reporting my XXXX score as XXXX which is very low and reserved for consumers with bad reporting to their credit. 
My XXXX XXXX score is XXXX. 
My XXXX XXXX score is XXXX. 
I called Experian to get an explanation and I was not able to obtain XXXX. Their wrong XXXX score has resulted in me being denied XXXX XXXX card, since they use Experian credit report. 
My credit is excellent and I am having really hard time getting explanation from Experian as to why is my XXXX with them so low, while it 's very high with other XXXX bureaus. I called and sent them a complaint letter but it is not resolved or explained. 

Please help. 

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 2016-07-25 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I disputed XXXX XXXX XXXX because it is a fraudulent account ; however it was not removed. I discovered this debt when viewing my credit reports. I went and filed a police report in which I am attaching the case number. I produced all of my documents. I am also attaching a copy of my mortgage document which shows my address of XXXX XXXX XXXX XXXX. Then I attached my property tax document which shows the time I resided at my current property, XXXX XXXX XXXX XXXX. I have never applied or received anything from XXXX XXXX XXXX at either XXXX of my residences. Also, when I contacted them none of the contact information was mine. I am asking you to delete this fraudulent debt from my credit report immediately and also please add the seven year extended fraud alert to 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 2016-08-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have informed Experian many times that the following addresses do not belong to me : XXXX XXXX XXXX North Carolina and the XXXX XXXX in North Carolina ( Please remove ). 
Also, I have informed them that I am a victim of identity theft. So the inquiries should be remove since I did not authorize them.

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