vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I request Experian remove the California tax lien that was filed and recorded in error from my credit report. I have tried to get this problem resolved by a dispute with Experian, and that did not resolve the problem. My credit report is inaccurate as a result, and this impacts my ability to apply for credit, and increases the price of credit instruments if I qualify for them. 
Experian claims they will only remove a lien if it says withdrawal or filed in error as the title of the document. California does not provide such notices. There is no statutory mechanism to withdraw a lien in California per the CA Franchise Tax Board ( FTB ). California code requires the CA FTB to document liens filed in error by a statement on the face of a release document, instructing the county recorder that the lien was recorded in error. As a result, no form available from the state of California would meet the Experian internal policy for removal of a California state tax lien filed and recorded in error since the only thing they consider is the document title. This is unacceptable. 
Experian can only report a valid recorded lien. If a lien release includes the legend " recorded in error, '' that means that the underlying event Experian reported was never reportable because the original recording was in error. The only way to correct the credit file is to delete the record that was created by the erroneous recording. 
The CA FTB website at XXXX confirms this line of reasoning, stating : " If we file or record a lien in error, we will : Release a lien as filed in error to the applicable county recorder 's office or California Secretary of State. 
Notify the credit bureau agencies and ask them to remove the lien from your credit bureau report. '' The CA FTB has notified Experian the lien was filed and recorded in error, and requested removal of the lien from my credit report. The CA FTB action was as described on their website listed above, and supported by the attached documentation. 
Experian did not comply. 
I attempted to get Experian to remove the lien, and provided supporting documentation. Experian did not comply. Experian disregards requests for re-investigation for a previously disputed item as described in the attached dispute cart printout. The Experian suggestion that I can add a consumer statement to the lien does not fix the negative impact on my credit score, or decrease the price of credit instruments if I qualify for them. All of this is unacceptable. 
Experian is the only credit reporting agency that continues to report the California tax lien on my credit file. XXXX and XXXX removed the item based on the same release with notation the lien was recorded in error. 
As a result of the above, I seek CFPB assistance with this matter. 
Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-22 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: NY

Complaint narrative:
In the process of submitting my request I was told by both XXXX and experian : " something happened and we are unable to process your request. ''

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 2016-10-19 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have made XXXX request with Experian to provide documentation that the credit bureau uses to verify the unknown collection accounts that are on my account. In the results of their first re-investigation, they stated in writing that they " verified '' that those collection items were being " Reported correctly ''. As of today, I have yet to be sent any documentation verifying those collection accounts. They have ignored my request to provide me with the documents that they have in their files that they used to verify the disputed accounts which means that they have NOT verified or CAN NOT verify any of those collection accounts and under Section 611 ( 5 ) ( A ) of the FCRA, the credit bureau is required to " promptly DELETE all information which can not be verified. '' I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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 2016-01-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX PA XXXX XXXX XXXX XXXX Was paid in full XXXX of 2015. Zero Balance. I called the XXXX XXXX XXXX, and they told me I was paid in full and the only way to have it removed from my credit report is to report it to the XXXX Credit Bureaus. I did and the account is still in collections 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 2016-04-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I disputed items that do not belong to me because I am a victim of ID theft and the credit reporting agencies still have items showing on my credit report as negative.This is effecting me with me getting life insurance and employment. I have also contacted each creditor and I sent supporting documents as proof that my personal information was used in a tax fraud scam.

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 2015-09-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have a credit card with XXXX XXXX and I am an active duty service member. Under the SCRA, XXXX XXXX does not assess Annual fees on credit cards. The card in question was originally issued by XXXX Bank which was later absorbed by XXXX XXXX. On XXXX XXXX XXXX, I called the credit card company and paid the balance down to zero, then stated that I was leaving for deployment and that I did n't want a balance remaining due to the limited access to the internet and phone to make any payments should I use my card, I also updated my address so that I could receive correspondence. I left for deployment XXXX XXXX XXXX. On XXXX XXXX XXXX, an annual fee of {$59.00} was placed on my account. I never received a statement for this. On XXXX XXXX XXXX, I received a credit alert at my .mil email address stating that my account was 60 days past due. Immediately I paid the account because I happened to be in an area where phones were available. I returned from that deployment XXXX XXXX XXXX. The only time the account has ever been late since it was opened in XXXX XXXX was after this fee was assessed. It is not fair that I was charged an annual fee and keep getting charged an annual fee, especially since it is stated on XXXX XXXX 's website that they do not assess fees against active duty XXXX under the Servicemember 's Civil Relief Act. On XXXX XXXX XXXX, I talked to a representative at XXXX XXXX explaining my situation. I was told by the rep that they would send out letters to all of the Credit Agencies, and one to myself, to remove the 30 and 60 day late account status from my credit report. That never happened. I would like these negative remarks removed from my credit, it is wrong that they are still there after three years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian states they have " verified '' bankruptcies through public records on my credit report. The bankruptcy court does not report to credit bureaus, therefore Experian can not legally verify bankruptcies on my credit report. An employee looking at a computer screen on an Internet database can not legally verify a public 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 explanation
Consumer complaint received 2016-07-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing inaccurate collection account listed on my Experian credit report. The inaccurate/fraudulent collection is from a company called XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
As of Tuesday, XXXX XXXX, 2017, EXPERIAN is still knowingly and illegally reporting a debt of {$110.00} to XXXX for XXXX XXXX. 

REASON FOR DISPUTE : This account is too old to be on file /time-barred, over the Status of Limitations ( please remove ). Balance is incorrect ( account is paid/settled ). This account was paid to the original creditor prior to becoming a collection or charge-off. This record contains multiple inaccuracies purposely known and reported by XXXX XXXX. 
I maintain that during the selling, purchasing and/or transferring of my account ( s ), XXXX, knowingly violates both the Fair Debt Collection Practices Act and The Fair Credit Reporting, by constantly and consistently reporting negative, unfair, inaccurate, unreliable, incomplete and missing information to the XXXX major credit reporting agencies/bureaus ( Experian, XXXX and XXXX ) by purposefully misrepresenting a debt that I do NOT owe in its reporting as debts of XXXX ( {$110.00} ) that is : ( 1 ) paid/settled ( 2 ) old, obsolete and out-of-date ( 3 ) over the Statue of Limitations ( 4 ) time-barred ( 5 ) used to intimidate ( 6 ) purposely omitted date ( s ), time, purchases and amounts.

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 2016-10-05 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I called Experian and they stated that they can not investigate negative accounts on my credit report because they needed additional information. First of all this is a violation of the FCRA to deny me an investigation of these accounts. Second, I am not merely disputing certain aspects of these accounts as before. But, now I am disputing everything possible imaginable that is reporting on my credit regarding these accounts as well as notations. I also sent letters to each of the collectors and collectors to verify this information that they claim they have verified. 
I sent the following letters to verify accounts with the certified tracking numbers below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-30 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:
my credit is set up under XXXX XXXX for a purpose. The landlord/ management of this mobile home park in XXXX illegally checked my credit. How do I know this? the mobile home park sent me XXXX and XXXX XXXX as there is their right. However, I signed the lease as XXXX. XXXX XXXX only Experian, XXXX XXXX, and XXXX know anything about XXXX XXXX the lease signature is attached

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 2016-03-19 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 numerous requests to investigate and remove accounts and inquiriies from my credit report that were opened fraudulently.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
XXXX has a collection on my Experian credit report stating that I owe them. I have communicated to them that this debt belongs to my ex husband and not me. I have never had the vehicle, when I went to divorce court the judge signed that this debt belongs to husband. I have also communicated this information with this company.

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 2015-08-14 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Nationwide Recovery Systems, Ltd
State: FL

Complaint narrative:
Nationwide Recovery Systems is in violation of the Fair Credit Reporting Act. A XXXX XXXX investigation from XXXX 2015 found the accounts ( # XXXX and # XXXX ) were unverifiable/inaccurate and was deleted from my XXXX XXXX credit report. Nationwide Recovery Systems did not report the deletion of the XXXX accounts to XXXX, the other consumer reporting agency that it reported the accounts to. Proof of the XXXX XXXX investigation results are attached. This complaint will be used as evidence in legal proceedings.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
A medical collection was added to my account on XXXX, XXXX. I paid it in full on XXXX, XXXX. Per the terms of the agreement for the XXXX XXXX XXXX XXXX, this medical collection should be removed since it was paid in full. It should also have been pulled from my credit report as it shows that the account with the original creditor - a hospital - was opened on XXXX, XXXX, with the collection being reported 90 days later. This eclipses the 180 day waiting period required before entering any collection information on the credit report - per the XXXX XXXX XXXX XXXX. This collection should be removed under at least one of these requirements.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
All XXXX credit reporting companies, experian, XXXX, XXXX ALL created a new credit history file for me when I changed my name. My SSN remained the same. I am a XXXX woman and I was having trouble getting credit after my transition. When I looked into it I found that all of the credit reporting companies had XXXX files for me. XXXX under my old name and XXXX under my current legal name. I am still in the process of getting this corrected, which means having them merge the XXXX files. They had instructed me to ask all of my old CC and bank loan companies to re-report the information with my corrected name. The ones that would, did but, it STILL did n't show up on my credit report. The merging of the XXXX files for each credit reporting company is where I am now. It has been a HUGE time consuming process. Many days worth of time spent on the phone to correct this issue which NEVER should have happened XXXX. XXXX they should have just started reporting my new name and new credit cards as part of my existing record based on my social security number. If I had an issue with it, XXXX. if someone else had this happen they would see it on their credit report and dispute it. So, why is n't this the default? Being a XXXX person in this society is hard enough. Why do we have to start our credit history all over when we are just trying to live as ourselves. I do n't think most XXXX people would go through the long wait times on the phone and the getting run around ... when they have XXXX records that should just get merged. If I had n't had credit monitoring from before my name change and after I do n't think I would have noticed what was going on ... well not as fast. ALSO, regardless if someone is a XXXX. If someone starts using another person 's SSN with whatever name they want, they can build a credit history. So, this is making it easy for someone to create a fake identity / life. 
Please see about getting the credit reporting companies policy changed with regards to SSN and names. 
Thank you. 
A XXXX year old XXXX woman with 12 years credit history from when I was a XXXX and 2 years as a XXXX. Once my files are merged I will finally all 14 years of credit history that I deserve.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
Experian has inserted a phone number, into the credit report they maintain on me, from those committing fraud and stealing my identity to take out a credit card in my name. They apparently attained the number from XXXX XXXX, the company issuing the fraudulent credit card in my name. I have been the victim of ID theft four times in the last XXXX years, with the last XXXX occurring when I had a freeze on my credit. However, the thieves have gotten credit cards from XXXX XXXX each time anyway, using my credit with Experian and XXXX as well. Now they have allowed the thieves to insert their telephone number in my credit file. Additionally, Experian has mysteriously lowered my credit score XXXX points, for no apparent reason when there has been no negative reports or activity. Please investigate to get Experian to stop being part of the fraudlent activity.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I filed a request to have my credit report updated.and Experian refused to up date even after i summited my self releasing federal tax lien to them. i summited it XXXX. I XXXX XXXX and XXXX had no trouble up dating my report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX, XXXX Experian To Whom It May Concern : Thanks for the help in correcting some of the adverse information previously reported on my credit report. At the moment I still have some pending accounts, on my credit report, that still need to be fixed. This is why I 'm still disputing the following items : XXXX XXXX XXXX XXXX XXXX Verify and certify the accuracy of this late payment, I really do not know why it is here, so please do so and make the corrections as needed. Convergent Outsourcing XXXX I request from you the confirmation of this collection account, I believe it has been reported by mistake, if so please provide me the whole documentation about it, or otherwise just delete it. DEPT OF ED/XXXX XXXX I know for sure that people make mistakes all the time, and I believe this is one of this occasions, because I have found some late payments that I believe are being reported incorrectly, so expunge all and make it positive. DEPT OF ED/XXXX XXXX This account have information that apparently is incorrect, please verify the status, late payments and terms, and erase them. Incorrect Name XXXX XXXX XXXX Incorrect way to show my name, please remove it and update it to the one appear on my id docs XXXX XXXX Perform an investigation about this payment history since I 'm not sure about the veracity of these multiple late payments that are showing here, I recommend you to eliminate them and correct the status of this account. XXXX XXXX Perform a real investigation over this payment history since I 'm not sure about the veracity of these multiple late payments that are showing here, I recommend you to eliminate them and correct the status of this account. XXXX XXXX XXXX XXXX There is a 30 days late payment that I earnestly think is incorrect, so please corroborate this information and fix it. University XXXX XXXX XXXX I feel the monthly payment amount, terms and status should be verified, because I understand they could be incorrect please do your job and correct it. I also need you to please send me the information of whom you contacted during the investigation. 
Great Day! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB : XXXX/XXXX/XXXX SSN : 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 2017-04-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: ND

Complaint narrative:
on XXXX/XXXX/2017, I received a credit inquiry alert from Experian for the following credit inquiry : XXXX XXXX, the credit inquiry is fraudulent and unauthorized.

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