vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-30 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, FL XXXX XXXX, GA XXXX Experian Dispute Department XXXX, Texas XXXX XXXX, PA XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX ( Experian ), XXXX, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 
If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. I look forward to an expedite resolution of this matter Thank you. 


XXXX XXXX, FL 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 2015-08-07 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I filed Chapter XXXX in XXXX 2015 ; discharge XX/XX/2015. Between XX/XX/2015-XX/XX/2015 I had accounts that were under the Bankruptcy Stay. I disputed XXXX XXXX, XXXX XXXX, XXXX, and XXXX. XXXX, XXXX and XXXX XXXX were all reporting Charge OFf or key derrogatory as the status between XXXX 2015 and XXXX 2015. The account 's coding was never corrected by Experian at all. This is negatively affecting my credit it dropped about XXXX points. They also blocked my ability to dispute which is my right under FCRA. The disputes are not frivolous inasmuch as I have sent documentation each time. They just chose to ignore it and close out the investigation without due diligence of the investigation. I am attaching the negative reporting of XXXX and also the blocked access. I need this corrected. They can not simply ignore the documentation. They must update if I am providing proof. This is my right under FCRA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-19 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX - XXXX XXXX XXXX {$480.00} Account was not verified as according to law ; no documents were sent. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that the credit reporting agency disclose to me all of the documents that have been recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. It was responded to my request saying that these accounts have been verified. There were no copies of the documents that the credit agency has in their files sent to me. 
You do not have any documentation in your files to verify the accuracy of the disputed account, please 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 you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, the credit agency was unable to provide me with a copy of the verifiable proof that for the account listed below within 30 days of XX/XX/2016 please remove 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 2016-02-05 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX XXXX You are in Violation of The FCRA You must supply to me the method of your investigation and VALIDATION not verify everything. 

You must remove the Fraud alter from my credit profile!!! 

YOU ARE placing a fraud ALTER ON MY CREDIT REPORT I DID NOT REQUEST IT!!! 

THIS IS A SCAM NOT TO DO YOUR JOB, WHEN YOU PLACE AN ALERT TO DO N'T HAVE TO INVESTIGATE!!!!! 

I request the method of verification, under the FCRA section 611 ( a ) ( 7 ). 


Escalate his call to a supervisor do not use the e-Oscar. System You must update my credit 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 2015-08-16 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: MI

Complaint narrative:
I cant get an annual report I was told alredy recieved one when I have XXXX applied for one this first time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is reporting incorrect information on credit report in regards to a student loan that I have. It shows XXXX pate payments for an account that I have had a forbearance from XXXX in which those XXXX late payments were contained inside of my forbearance thus never having my account late at all. The FTC advisory opinion on Sec. 623 ( a ) ( 2 ) of the Fair Credit Reporting Act requires a furnisher of information ( loan provider ) to provide corrected or updated information to all of the consumer reporting agencies ( credit bureaus ) to which it was originally reported, regardless of the fact that the information was accurate when originally reported. The months that report late were in covered by my forbearance and need to be changed to a positive status. According to the FTC opinion of the FCRA they must update my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CASHCALL, INC.
State: CA

Complaint narrative:
I took out a loan with Cashcall in 2013 I was later laid off from my job and tried working with Cashcall but they would not work with me. I am now gainfully employed and have contacted all creditors to payoff everyone and make payment arrangements. Cashcall stated they would call back because of the length of time. Weeks later I get a call from an attorney claiming to represent Cashcall, XXXX XXXX XXXX, stating I could make arrangements with his office. My {$2600.00} loan which I made I believe 6 six {$300.00} payments was still at {$2600.00} and due to interest still being charged U owed {$9800.00}. when I stated that was way too much money and I could not afford this, I was told they would seek a judgment and garnish my wages. I am more than willing to payoff a debt that I owe, however the amount being sought after is excessive and I am unable to pay. This should be illegal especially when I contacted them to repay. I had not received any collection efforts from them in over 18 months until I called them

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Orion Portfolio Services, LLC
State: PR

Complaint narrative:
UNEMPLOYMENT HAD NOT ALLOWED ME TO PAY THIS DEBT. AT THE TIME I RECIEVED THE BILL I WAS ON UNEMPLOYED INSURANCE AND I CAN NOT PAY THIS DEBT WITH UNEMPLOYMENT INSURANCE FUNDS. I AM STILL STRUGGLING AND I DO N'T EVEN HAVE UNEMPLOYMENT INSURANCE. I ASK XXXX XXXX TO PLEASE FORGIVE THE DEBT AND TO REMOVE SUCH DEBT FROM ALL CREDIT BUREAUS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-12 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 been monitoring my credit report ever since I was informed by my credit card company XXXX XXXX XXXX on XXXX XXXX, XXXX that I have been a victim of Identity Theft. Someone stole my personal information such as my name, date of birth and social security number to open several or numerous credit card accounts without my consent. The suspect has been committing the crime of theft under my name since XXXX XXXX. The suspect used a fake address of XXXX XXXX XXXX, XXXX California to obtain these credit cards. I had to dispute most or all of the fraudulent charges against me due to Identity Theft. I already filed a XXXX XXXX Police report on XXXX/XXXX/XXXX and placed a Fraud Alert and Security Freeze using XXXX Credit Bureaus such as XXXX, Experian and XXXX. On XXXX/XXXX/XXXX I sent Experian a XXXX XXXX Police report, my current California driver license, my social security card, my DMV bill and property tax bill in order to verify my real true identity. I do NOT know if Experian received these personal documents or the fact Experian loses items from customers. I already told Experian that I do NOT live in XXXX XXXX XXXX, XXXX, CA on several occasions. I told Experian that I have been living in XXXX XXXX, CA since XXXX. Experian insisted that I send them another copy of my driver license and other personal documents again. Experian still refused to assist me and failed to answer my phone calls by putting me on hold for over 30-45 minutes every time I called. I already sent Experian all my personal documents on XXXX/XXXX/XXXX. I just do n't know why or how Experian lost my documents. My identity has already been stolen and Experian lost my personal documents into the wrong hands of criminals. Experian refused to conduct a thorough investigation based on my requests. Experian refused to assist 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 2016-10-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
My old accounts from XXXX XXXX Bank were removed from all XXXX Credit Bureaus when I previously checked my credit report in XXXX of 2016. When I checked my report on XXXX XXXX, 2016 the accounts were back on my report and updated inaccurately without any notification.

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 2015-09-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
Experian a reporting bureau. I did not authorize XXXX-inquiries that are on my reportaccounts listed below are not mineXXXX XXXX XXXXXXXX-or XXXX collections

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Last year ( XXXX XXXX when I pulled and reviewed my Experian credit report I noticed that a new address had been added that I have never lived at. The address is in Georgia. I disputed the issue with Experian and was told by the representative that it would be removed. This year when I pulled and reviewed my Experian credit report I saw that the Georgia address was still there. I will attach copies of the pertinent sections of my Experian reports from XXXX, XXXX and XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I submitted a complaint about XXXX XXXX that has not removed the negative debit report on XXXX. I submitted the complaint on your website and the OMB # is : OMB # XXXX at the time I did n't have the account number but found it and here it is : XXXX XXXX this should not be shown since I have discharged my Chapter XXXX bankruptcy on XX/XX/2015 and XXXX was one of my creditors.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
XXXX XXXX XXXX MN Credit Bureau Address City, State, Zip Code XX/XX/XXXX Dear Experian I am making a formal complaint that you are reporting inaccurate credit information. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

The following inquiries were without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. 

Sincerely, ( 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 2015-11-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
Experian is not responding to my requests to investigate and remove the accounts from my credit report that do not belong to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
XXXX charged me for a loan insurance in case I become unemployed in 2009. When I become unemployed and went to use the insurance, they denied my claim saying that it was n't that kind of insurance. After much discussion, they agreed to drop the charge making me owe nothing. Months later, I started receiving calls from Midland Credit Management. I disputed the debt and told them that I do not want any more calls. They stopped for a few years but recently started calling again, 3 or 4 times a day. When I answer, they hang up. I 've called them and last time I spoke with anyone, the lady said, " Yes, your file shows that you did dispute the charge and we found in your favor, you owe nothing. It also states that you do n't want to receive any more calls. '' I asked her why I am receiving these phone calls and she hung up on me. Since that day, I am still receiving calls 3 or 4 times a day and I just tried calling them to be hung up on again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have been a victim of Identity Theft, and I am trying to dispute inaccurate items on 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 2016-09-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I have tried to dispute this bankruptcy discharge on my credit because this is not mine because the address on the pacer website says it was sent to an address in north carolina and i never lived out there so i am asking for the credit bureau to get rid of this negative reporting on 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 2016-11-18 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
So many inquiries that I have no idea, so many paid accounts still show

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 2016-10-25 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have filed numerous disputes with all XXXX credit bureaus about information on my report, either too old, closed/pay as agreed, or insurance company paid bill. They have refused to investigate or remove the items from my reports. 

In XXXX, for example, I had a work related injury. I had to file a worker 's compensation suit against my employer 's insurance company. After the judge awarded me both financial and medical compensation, my attorney advised all medical bills be paid by their insurance company. There are at least XXXX items still showing on my reports that were never taken off from that injury and the judge 's decision. 

I have contacted XXXX, Experian, and XXXX about these reports and not one of them had even investigated these. They are refusing to delete any reports and refusing to investigate said disputes. I filed the disputes not long after the judge 's decision in XXXX, but they are still there showing unpaid/collections with the remark " consumer disputes ''

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 2016-11-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Address ' on credit report are wrong and need to be deleted XXXX XXXX NV XXXX XXXX XXXX NV XXXX Correct address ' XXXX OH XXXX XXXX XXXX, TX 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 2015-07-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear Sir/Madam : Please note : I am filing a new complaint due to the fact that my previous complaint, XXXX was unable to be verified to to a lack of information. I called your offices and they suggested that I file two new separate complaints, one for each of the credit reporting agencies that I would like to dispute with. So to be clear, this is a new complaint, and not a duplicate. 

I am requesting your assistance to clear up my credit report due to an inaccurate collection placed on it recently. Kindly allow me to provide some background information below : I paid {$150.00} because I discovered the apartment management at XXXX XXXX had forwarded my claim to the collection agency, however, this does not mean I accept the claim. In fact, I completely disagree with this claim, and it is absolutely unjustified, erroneous, and unfair. I just wanted to get this issue resolved and off my mind so that I could pay attention to real issues and other priorities in my life. 

We have tried reaching out to the credit bureaus and asked them to correct the discrepancy. Attached are the letters that I have written to all three credit bureaus, and also to the apartment complex XXXX XXXX. Kindly look into this matter and take appropriate action in accordance with laws to clear my credit history of this negative remark and collection at all the bureaus. I am in a process of buying my first home and this is negatively impacting my credit score and my ability to secure a Home Mortgage Loan. 

XXXX has already removed this off my credit report, I am requesting that you contact Experian on my behalf and further investigate this matter. Thank you very much, and I look forward to your prompt attention to this matter. The letter from XXXX that states they have deleted this remark is also attached.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation