vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
XXXX And Expirian  they reporting XXXX credit inquires on my credit file i only apply one time to XXXX on  XX/XX/XXXX, 2015 since then i never apply for anything.
i contact XXXX credit bureau's  in writing on the phone and fax they told me to contact the original creditor which i did but they never responded to my letters or phone calls they always telling me they will look into it after trying everything that i can but no one want to help me those inquires belong to someone with the same name or mix into my file please try to help me with it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
i was never on this account or responsible for such-please remove from my file CRA refusesAccount nameXXXX XXXX XXXX MI XXXX*XXXX*XXXXAddress identification numberXXXXAccount numberXXXX .... 
Recent balanceNot reportedStatusTransferred, closed. 

Date openedXX/XX/XXXX/2007 Details Not mine or No knowledge of account Additional information not mine i am was never on this account

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XXXX XXXX, 2012 a charge of {$3600.00} was fraudulently posted to my new XXXX XXXX XXXX credit card # XXXX, by XXXX XXXX, without my agreement. Beginning when I received the statement, I immediately and continually disputed this charge with XXXX XXXX XXXX then with the credit reporting agencies. XXXX asked XXXX for proof that the charge was valid. XXXX provide no proof I had agreed to the charge and refused to reverse the charge. XXXX then refused to reverse the charge because XXXX XXXX refused to reverse the charge and reported it to the credit bureau as a valid charge that they had to write off after I refused to pay it. When I disputed this reporting to XXXX and the Credit bureau, they refused to reverse this negative on my otherwise perfect credit report. This has cause me damaged. 

Attached are documents supporting the above.

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 2016-06-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There continues to be inaccurate information being reported on my private and public record. 
The inaccurate information is : XXXX XXXX XXXX, they agreed to report my account as paid in full. also after paying my debt the company moved their office and did not contact me to inform me of the new location. It went 4 months, I did an investigation to find their new location and went to their office and ask them to honor there agreement. They agreed to do this but then they still have defaulted on the agreement to this date. 

My Next Issue : XXXX XXXX : They sent a XXXX to the IRS and I had to be reported as Income on my taxes. They never contacted me to tell me they did a XXXX on my taxes. 
This Debt needs to be removed or show a XXXX balance and paid in full. 

These companies have broken the Fair Credit Reporting Act & Consumer Act regulations 1996 to current laws and have caused my report to show inaccurate information and damage my credit worse. 

I have attached documents showing proof of my statements.

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 2016-12-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Since XX/XX/XXXX I 've sent disputes to Experian informing them of inaccurate personal information on my credit report. I 've included copies of my documents as required. There are XXXX inaccurate personal information that needs to be removed from my report ; that 's XXXX inaccurate names and XXXX inaccurate addresses. See enclosed copies of my documents : Passport, social, utility bill and previous copy of dispute mailed to Experian on XX/XX/XXXX They were in receipt of my last dispute over XXXX days ago and nothing was processed!

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 2017-03-31 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: CA

Complaint narrative:
I was not able to get a copy of my Experian or XXXX report online. 
There are errors on these reports that need 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 2015-05-09 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XXXX/XXXX/2015. I opened a dispute with Experian due to the fact that I had just paid off my Student Loan in full on XXXX/XXXX/2015 with the Creditor. I provided the amount of the payoff and an explanation stating that the loan was no longer in " collections '' and should be reported as closed. Per the FCRA, my understanding is that Experian is legally required to conduct a " reasonable investigation '' of this matter. XXXX days later on XXXX/XXXX/2015 Experian " hastily '' completed their investigation, citing that the account was being reported " correctly '' despite having direct evidence from me that the account was paid in full ( attached ). I assert that Experian did NOT conduct a reasonable investigation, and violated the FCRA by being " willfully negligent '' in their investigation, or that they did not actually do any type of investigation at all. Due to the failure of Experian to conduct a reasonable investigation, I demand that the report be removed from my account immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-06 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: LA

Complaint narrative:
On XXXX XXXX, 2015, I filed a dispute with Experian credit reporting agency by U.S mail. It 's been sixteen days and I have not gotten any notice from them that they have open an investigation on the dispute items on my credit report. When I tried to file a dispute, from their web site I get a message you are block from getting a copy of your report and not allowed to file a dispute from our web site. This has been a continue problem when I try to get my credit report for over a year. I would greatly appreciate it very much if someone from your agency open an investigation into the conduct of this company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-14 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:
This is my final time filing a dispute against this agency. My patience is thin and I have had it. For some reason Experian allowed XXXX other SSN to be attached to my profile. How does that happen? They removed some of it but not all of it because I believe that some of the information is tied to my credit report and they will not remove it or certain addresses. I have amended my complaint in XXXX County to include them trying to make me responsible for someone elses debt, them adding addresses on there that do not belong to me, with their refusal to remove them, and their refusal to remove accounts that do not belong to me after disputing them continuously since XXXX of 2016. There has already been a court date set and I am prepared to go after the maximum amount that the law allows if this accounts and addresses are not removed off of my account immediately. Experian has shown that they can not be trusted when it comes to reporting accurate information. I have detailed every single person that I have spoken with, certified letters, and I am very serious with this moving onward.

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 2016-04-25 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: CA

Complaint narrative:
My request for a free credit report from Experian was denied online.

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 2016-09-23 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Io, Inc.
State: MD

Complaint narrative:
This debt has not be verified to be mine. Company wo n't call back or respond to letters.

Company response to consumer: Closed
Consumer complaint received 2015-10-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Statebridge Company
State: NJ

Complaint narrative:
My mortgage loan was originally with XXXX Bank XXXX in XXXX NJ. XXXX Bank took over XXXX Bank in XXXX 2015. From XXXX to XXXX my statement reflected no payment coming off of principal. It changed from the XXXX Statement. In XXXX 2015 my mortgage was sold to Statebridge LLC. I have since made XXXX payments to them and they are no applying them and claiming I am delinquent because first they state they did not receive my XXXX payment from XXXX Bank and now they are claiming that I have a XXXX loan and have to pay the accrued interest. They will not return my phone calls that I leave and I have left XXXX messages with XXXX Bank and they will not return my calls either. I am trying to refinance my home and Statebridge will not give my new mortgage company a payoff and they have told me they are going to hold it against my credit. Even though I have sent them four months payments and it has not been late.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I just recently noticed a charge on my bank account from XXXX for {$29.00}, and also from Experian ( XXXX ) for {$24.00}. I called my bank was given a phone number to XXXX XXXX and to Experian XXXX. I first called XXXX and they could not find anything on their system with my name, address, phone number, last XXXX digits of my debit card or e-mail. I was advised by " XXXX '' to go to my bank and file a dispute report. I went to my bank and then also notice the charge from Experian, so I filed a report against both agencies they destroyed my debit card and I was issued another one. I have been charged {$29.00} and {$24.00} since XXXX 2014. I then called Experian but again just like XXXX they too could not find anything not even with my social security number. I was asked for the debit card number to be able to pull up the account. I called my bank obtained the number called Experian and that debit card number is tied into a person by the name of " XXXX XXXX ''. I was then advised to go to my bank I informed them I already have but my bank will reimburse me for the last 2 months only. I was told by XXXX from Experian that they could not refund any amount. I told XXXX that their company is supposed to protect us from people like " XXXX XXXX '' and from companies like " Experian ''. I recalled enrolling to a travel agency company around that time giving my debit card number being charged {$1.00} for the first month and would need to cancel account so that I would not be charge on a monthly basis. I knew that I had enrolled with this travel agency so I cancelled my subscription but with these XXXX credit agencies I was initially charged the {$1.00} and they continued charging my account because I never cancelled my subscription. I never cancelled because I did n't know that I was enrolled with these agencies I never received any correspondence, e-mails or phone calls, and I would n't have received anything from them because they had none of my personal information other than my debit card number which I still do n't know how they obtained.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-01 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 called Experian today XXXX/XXXX/2016 at around XXXX and was on hold till about XXXX an agent picked up in the fraud handling department by the name of XXXX XXXX state he team was XXXX or XXXX. I stated to the rep that the XXXX major credit bureaus have removed the account diversified consultant. The XXXX major credit bureaus where XXXX and XXXX I also have supporting documentation in writing stated that the account has been removed also via email. I have provide the same documentation to all XXXX major credit bureaus on my detectives behalf XXXX XXXX and also been approved and am a victim of Identity theft. I asked the rep how can XXXX bureaus take this account off my credit but you guys say it still remains. according to the other XXXX bureaus being that I have filed the policy report and it has been approved with heavily documented information the account ha been removed. This agent XXXX XXXX stated all XXXX bureaus operated differently in which I know it is all built on the same foundation just a few tweaks of course. she than tells me its basically nothing she can do so I asked nicely if you cant help please put me on the line with someone who can. she stated she will not because I keep interrupting her when I stated I am the customer before I argue with you id like a supervisor. She than states I will not transfer you until I can say what I need to say. I stated I do n't want to hear what you have to say anymore transfer me now and do your job. At this time she is still refusing and I stated I will not answer any questions form you. She says so your refusing information now?? that was very unprofessional I said to myself. I than just became silent so she placed me on hold and said ill get a supervisor I waited maybe 4 minutes on hold and she hung up in my face I called back within seconds and than Experian is closed that was so rude. Is this what Experian train their representatives to be like. I 've been very stressed it should n't be this hard taken off an account that clearly the creditor stated they can not provide documentation to me or my detective because they do n't have it the account was opened online they say. They just have my name and social Clearly I 'm a victim of identity theft that information has been compromised. I do n't know what tricks Experian is playing but how can they remove an auto loan that was XXXX dollars but cant take off a XXXX account that is XXXX dollars with the same supported documentation. Something is not right I feel they are trying to work together this has to stop.! the creditor admitted its not me and so have my police report that 's heavily documented.

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 2017-03-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
The bankruptcy reporting has several inaccuracies. Reference Number XXXX. I do not know the source of their information on this bankruptcy and because of the Experian has violated the Fair Credit reporting Act. I am requesting the removal of the bankruptcy.

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 2015-09-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I began an application for a mortgage with XXXX XXXX Bank. They utilized XXXX XXXX - XXXX OR ( XXXX ) for credit analysis. XXXX sent me their analysis which showed that Experian, on XXXX/XXXX/2015, reported adverse information about my credit, including : Ratio of Balance to limit on Bank Revolving or other Rev Accts too highToo many accounts with balancesToo Many accounts recently openedWhen I attempt to call Experian, or access their identified website, there is absolutely no means to inquire about the info or file a dispute. 
How should I proceed?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner 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 non-monetary relief
Consumer complaint received 2015-07-24 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I submitted a dispute with Experian regarding information on my credit report that they were reporting that was very concerning to me on XXXX XXXX, 2015. Experian responded to my dispute stating that they believed they had received a suspicious request and would not be investigating the information I was disputing. I sent Experian another dispute on XXXX XXXX, 2015 via fax as I received their fax number from a representative over the phone and also sent them a copy of their response and all of the documents they needed to update my credit file. They have not responded and it has been over 45 days since my dispute was submitted to their company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-29 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 am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that were used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to '' ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner 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 2016-03-31 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 fraudulently changed there promotional interest rate of 0 % for balance transfers after 6 months when it was for a 12 month promotion.And XXXX XXXX is attempting to collect on fraudulent balance information and needs to cease and desist all collection efforts and delete this from my credit portfolio and close and return back to the original 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 non-monetary relief
Consumer complaint received 2015-07-31 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:
Experian keeps putting a fraud alert on my credit file without my permission. I would like this removed as soon as possible. I am trying to open up a my social security account and ca n't because I have a fraud alert on my file. Here 's a copy of what they " claim '' I stated in which I did n't. " At your request, we include the following statement ( s ) every time your credit report is requested. 
ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XX/XX/2015. '' Again. I NEVER requested that and they are misrepresenting me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief