vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-20 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
WHAT HAPPENEDProduct : Experian Credit ReportingIssue : Credit reporting agencies ' ( CRA ) investigation was inadequate and failed to consider Creditor Payment History spreadsheet and Borrower Check LedgerDescribe what happened so we can understand the issue ... 

Experian Refused to Require Credible Debt Verification on the Part of Major Subscriber XXXX. 

The Federal Trade Commission and the Consumer Financial Protection Bureau should take the lead in forcing Experian and XXXX to comply with Federal Law and Federal Court Order. Moreover, CFPB has recently issued a Bulletin finding inadequacies in the CRA validation process and there is a pending Federal Court case challenging same ( State of Mississippi XXXX Experian Information solutions , Inc. XXXX ). 

Experian refuses to require " Furnisher '' XXXX to bring its credit reporting system into compliance with the Fair Credit Reporting Act ( FCRA ) ; acceptable debt validation process in general ; and, the XXXX 2014 United States District Court Consent Order, in particular. Experian continues to use unverified data provided by XXXX in its valuation of credit reports and resulting credit scores. Although the Consent Order systematically invalidates XXXX data collection/reporting process, Experian appears to be acting in tandem with XXXX to refuse to facilitate credible/acceptable debt verification. In fact, Experian simply ignores the existence of clear and convincing evidence that XXXX has " routinely '' misreported debtor payment history and otherwise made inappropriate " assessments '' to Borrower accounts. 

In the instant matter, Experian unilaterally accepts XXXX undocumented position that I am {$15000.00} behind in mortgage-related " assessments '' and 12 months behind in mortgage payments. Among other credit report wrong-doings, I am legally entitled to copies of Experian 's debt validation referral to Furnisher XXXX - and XXXX response. XXXX and Experian should not be allowed to engage in secret communications concerning debtor account and inquiries. I have repeatedly requested a detailed breakdown of the alleged and bogus {$15000.00} assessments and identification of the specific 12 months of mortgage payments I am allegedly in arrears. Providing this information is crucial given the District Court 's invalidation of XXXX internal reporting system, and the fact most of these charges were assessed during the period I was under Chapter XXXX protection ; a clear violation of Federal Bankruptcy law. 

Experian should not be allowed to ignore un-refuted evidence ( in the form of the Consent Order, check ledger and Payment History spreadsheet ) of wrong-doing and systematic misreporting on the part of XXXX of its major subscribers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX pulled my credit without my knowledge

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 2017-01-17 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:
Dear sir/madam, It looks like the credit bureaus have XXXX files on my name : first associated with my SSN and second associated with my business XXXX. Every time when I 'm trying to apply for credit card my application declined. I sent all proofs of my documents to all bureaus, called them but still no success. 
So i need to merge both my files to XXXX correct.

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 2016-04-15 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:
Experian is reporting a alleged mortgage on my credit profile for something I 've never had. I do not have nor have I ever had a mortgage with XXXX XXXX. No other credit report is showing this information and after investigation Experian says it is accurate. That is impossible because I 've never had that mortgage. Do n't they have to provide me with proof that that debt belongs 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 2016-04-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have XXXX accounts that are reporting incorrectly on my report 1 XXXX XXXX this is reporting incorrectly on my report 2 XXXX XXXX this is reporting incorrect on 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 2017-02-20 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Credit reporting agency did not delete collection information, negative accounts and inquiries creditors agreed to delete from my credit profile they refused my request to update my credit profile to reflect correct information. 

Collections 1.XXXX 2 . XXXX 3.XXXX 4 . XXXX InQuiries 1.XXXX 2.XXXX 3.XXXX 4.XXXX 5. XXXX 6.XXXX 7.XXXX 8. XXXX 9. XXXX 10.XXXX 11.XXXX 12.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 2015-09-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2015 I requested my free experian credit report. I found out that a strange company named XXXX ran my social security 3 times to lend money to someone under my name. The loan was denied 3 times which mean this person is trying several times to steal money under my name. The days they requested the loan are XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I contacted the company by emailing them. the associate fraud analyst XXXX XXXX called me to express the company concerns and offered me to help me to filed a complain with you but she needed my info i said no thanks ill do it myself. My concern with this company is the following : what kind of identification the company request to the public to run someones social security to provide a credit? None? a fake one? fake identifications are noticed i guess? they can not just ran social securities from people which appear in their credit as denied for 2 years. thank god i have a terrible credit. 
Please contact this company to check on them if they are doing something illegal against population to obtain business. the name of the company is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXphone XXXXor directly with the fraud analyst XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
The Experian credit reporting bureau had inaccurate information on my credit report that I disputed XX/XX/2106. XX/XX/2016, the bureau sent me a notice stating the information had been updated. There was no correction to the inaccurate information. When I filed a complaint against the creditor with the CFPB, the creditor reported additional inaccurate information. I requested to dispute the additional inaccurate information, and Experian denied the request. The company stated that the information had been verified and could not be disputed again. The Experian reporting system does not meet the standards required by the Fair Credit Reporting Act. The system allows the creditor to report inaccurate information about consumers over and over and over again. The coding system does not safeguard consumers from creditor 's retaliatory conduct. The creditor reported on my credit file that the account was charged off twice, and that it was a repossession 10 times. The coding system should define what is a terminating act by the creditor. If the account has been reported one time as a repossession then the system should not allow creditors to report the repossession again and again. If the account has been charged off then the system should not allow creditors to report it again and again. There is no way to protect consumers like me from violations by the creditor.

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 2015-09-01 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: WI

Complaint narrative:
Experian. Their website faulted out while I was trying to get my free annual credit report. Site said, 'try again later '. I tried many times in the following XXXX hours, but site said 'You 've already received your report. ' Only web alternative offered is to pay {$1.00} then {$15.00} per month thereafter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11 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 The following unauthorized inquires must be removed from my credit profile. I DID NOT APPY FOR CREDIT DO NO PLACE A FRAUD ALERT ON MY REPORT!!!!!! 

PLEASE SHOW ME HOW PER THE FCRA HOW THESE WERE PUT ON MY CREDIT REPORT XXXX XXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX, 2015 XXXX XXXX XXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX, 2015 XXXX XXXX XXXX, 2015 XXXX XXXX ID IS ATTACHED VIA DRIVERS LILEICE AND SCHOOL ID AND UTILITY BILLS

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 2017-02-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX letter : XXXX XXXX has ruined my credit score, from XXXX to XXXX. I closed both my XXXX account and XXXX account on the XXXX of XXXX. I ca n't even access my accout but I got a email this morning saying I owed XXXX on my XXXX account. Immediately paid it today but I had no notice, no account and they made a charge on XXXX XXXX, 5 days after my accout was closed with XXXX balance. In fact my rewards was XXXX or something which I did n't care about. They started late XXXX with some " Hard Inquiry " junk then sent me a XXXX credit limit XXXX card I could never activate. they wanted drivers license copies, SSA copy, bank statement copy, all of which I sent them and they still wanted more info, so I do finally had enough and told them to close both accounts. All my other account are paid up and on time. XXXX XXXX is ruining my credit score. if it does n't stop, I will take legal action because this is how big business ruins people 's lives. 
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 2016-10-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I sent XXXX letters to Experian ( XXXX in XXXX and XXXX in XXXX, 30 day apart ) concerning inaccurate information on my report concerning bankruptcy. I ask Experian to provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. I received a letter on XXXX XXXX, 2016 stating that they have previously processed this dispute and the credit grantor has verified its accuracy. Last but not least, they said that unless you send us additional relevant information to support your claim, WE WILL NOT REINVESTIGATE THIS INFORMATION AGAIN. EXPERIAN has not providing me with copies of documentation bearing my signature in a timely manner. Thank you for your 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 2016-10-07 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: CA

Complaint narrative:
Experian has my wrong personal information and I have been trying to correct it. My mail is not answered from them. There is no way to contact any customer service to speak to about it. There is no way to fix the issues online since they have the wrong personal information about me. I have zero way of accessing or correcting the wrong addresses and Birth date on my credit report. For a company who holds so much power over an individual it should not be so impossible to fix errors made on their part.

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 2015-12-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Regarding item # XXXX car loan for XXXX XXXX be reported by XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, CA XXXX. PH : XXXX. This loan was paid in full on XXXX and is recording late payments on my credit report of Experian and XXXX XXXX. Experian says this will stay on report until XXXX and XXXX XXXX until XXXX. The first late payment XXXX so this item should drop off my report by XXXX. Why is Experian keeping on my report until XXXX? Inconsistent reporting by Experian and XXXX XXXX XXXX. These items listed more than 7 years from first delinquency. Removal dates for Experian and XXXX XXXX not consistent. I have several issues with XXXX XXXX XXXX not recording my payments correctly when loan was active. I want XXXX XXXX XXXX XXXX account deleted from both Experian and XXXX XXXX ASAP.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16 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: NV

Complaint narrative:
I am trying to get a copy of my credit report so I can see what is on it every time I put my social security number in I am told that 's not the right number or that I have put the wrong birthday and year 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 non-monetary relief
Consumer complaint received 2016-02-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
To Whom It May Concern : I reached out to Experian to dispute an item that appeared on my credit report. While Experian stated that it investigated the dispute, and has now resolved the dispute. I received no information on how the dispute was resolved or whether it is a reasonable way to resolve the dispute. The information contained on my credit report is inaccurate. There appears to be some third party debt collector to whom I 've never received any communication for a bill that was paid directly to the creditor. 

Thanks.

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 2015-07-29 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I received XXXX letters from XXXX XXXX dated XX/XX/XXXX regarding account ending in XXXX. 
The XXXX letter Dated XX/XX/XXXX stated they correctly reported the first date account ending in XXXX became deliquent was XX/XX/XXXX. 
The XXXX letter Dated XX/XX/XXXX stated they correctly reported the first date account ending in XXXX became deliquent was XX/XX/XXXX. 

On XX/XX/XXXX aprx XXXX. I called XXXX XXXX at XXXX. 
Customer Service Rep XXXX Stated he was not able to verify any old statements on account ending XXXX. He stated he could not tell me or verify the date of first delinquency. He stated he did not have this information and had no previous statements on this account to provide me with the information regarding this accountI believe that XXXX XXXX does not have sufficient information to verify this account

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX, Experian and XXXX reporting for Acct Number : XXXX : On XXXX, Acct # XXXX is being reported with missing Date of Last Activity, missing High Credit and Date of Payment shows XX/XX/2012 ; However on XXXX it is reporting Date of Last Payment as XXXX/XXXX/2012, and on Experian, Date of Last Payment is missing, High Credit and several account terms are missing. 
On a few separate occasions I have disputed with all XXXX credit bureaus XXXX, XXXX, and Experian pertaining to Acct # XXXX and each time it has been 'verified ' by XXXX XXXX XXXX . I have included the excerpts of my credit reports showing how these accounts are 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 2015-12-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX and XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX ) are submitting derogatory in formation concerning an account from XX/XX/XXXX where we made calls using a toll free calling card and XXXX routed the calls so that it was a toll call. I filed the a letter protesting the charges on XXXX. I provided a copy of the to the CFPB. XXXX nor XXXX did not contact me per my letter. They have reported the derogatory information to Trans Union and I was refused credit because of the report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have contacted Experian - repeatedly. I hired an Attorney to submit a Dispute Letter and Documents to dispute the item. This item has remained on my Credit Report - without Experian investigating OR providing me with a copy of the/any proof Experian had received to substantiate the item. 

I forwarded my 3rd Letter on XXXX/XXXX/16. I forwarded a copy of the same Letter to the XXXX Ombudsman.

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 2015-08-17 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Filed an online dispute with Transunion in regards to a XXXX to update the balance as it was incorrect. Account balance was showing $ XXXX+ when I paid it down toa {$0.00} balance in XXXX 2015. The investigation results came back and stated the account was deleted. This is not what I asked for them to investigate. They deleted a very good standing credit account on my credit profile and need it to be added back on.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-23 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Received marketing offer after opted out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hello, I purchased a automobile in XXXX 2015. I instructed the dealer to ONLY run XXXX report ... Later, XXXX or more showed hard inquiries showed up on my XXXX credit reports. I called each company and asked them to remove ... No Luck ... On XXXX XXXX, i called XXXX and they convinced me to sign up with them and i told them i would, but i did not wanted a soft or hard report ran on my current loan. 
I told them i just wanted to compare rates, nothing else .... Later that day, i began receiving Multiple email offers and phone calls ... I contacted XXXX XXXX and complained. 
The emails and phone calls continued for 2 days ... i am now getting mail from a few of the companies that were calling. i checked my credit report later that week and discovered XXXX new injuries ... i called Leading tree and all of the companies that did the hard injuries and asked them to remove these inquires. I did not authorize any inquires in XXXX and i only authorized XXXX in XXXX of Last Year. I would like these inquires removed. I have disputed these over and over.. i am getting no where.

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