vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-22 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:
XXXX you have a case in XX/XX/XXXX and XX/XX/XXXX as XXXX cases its the same case so XX/XX/XXXX case should be taken off the case just lasted that long so please take off my report also the case was expunged. should not even be on your report. as far as the case in XX/XX/XXXX should not even be on your report it was dropped never even got booked. please remove these criminal charges. this is preventing me from Renting a place to live. 
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 explanation
Consumer complaint received 2016-02-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I originally disputed a bill with XXXX XXXX. I refused to pay it. They would not settle same with me and they sent it over to another division called XXXX, which, appears to be their in-house collection agency. The last payment to XXXX was XXXX XXXX. The credit report says the debt is owed to XXXX and the debt commenced in XXXX XXXX ( probably the date XXXX received it ). As a result, a six or seven year old debt has been updated to one that is one or two years old. The statute of limitations in New Jersey is 6 years. The debt is not collectable. But, my credit is being damaged. I tried to resolve it with Experian about a year ago. I believe, however, I did not mention the discrepancy on the dates. I challenged the legitimacy of the charge. Experian answered, in due time, and ruled in favor of XXXX. When I noticed recently that the dates were wrong, I filed a complaint again with Experian. They cited rule 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act, saying that they do n't have to deal with a second challenge. I sent it all back to them again today by certified mail, giving them the same information and telling them that they were still liable because they were promulgating incorrect information about 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 2015-08-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This account belongs to my father. Experian updates the account and states that it belongs to me. My father XXXX XXXX called XXXX in XXXX and recorded to the CS rep. that he did not authorize XXXX to add me XXXX XXXX as an authorized user. He requested that they terminate me from his account and they did. XXXX re-investigated and removed XXXX from my Credit Report. I need Experian to do the same. I request that Experian to review the recordings that my father left with the XXXX Customer Service Rep in XXXX. In doing so, Experian will find that XXXX added me without my or my father 's authorization. ( THIS ACCOUNT DOES NOT BELONG TO ME ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
I try to do a dispute and they wan na alot of informations to figure it out like the reporting number that they did n't give me when i made a report online. Seems like there should be a easier way. They wanted me to get a reporting number and only way was a mail out cedit report when I already did a online one. 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 explanation
Consumer complaint received 2016-06-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
There is a federal tax lien on my credit report that needs to be removed. The lien has been paid and released as you will see in the documentation provided. I have contacted the credit bureau to have this removed and they will not. I have asked for the reporting person or entity that put this on my record and they will not provide me with anything other that the XXXX County Recorder of Deeds office. I have contacted this office to see if they would remove it from my credit report and they informed me that they did not report it to any of the credit bureaus nor do they ever. They only file it as a public record. When I informed the credit bureau of this they insist that they communicate electronically with the reporting entity and they are waiting for a response. I then asked " well if you communicate electronically with the reporting entity, who is the person on the other end that will answer you? '' They said that it was an employee with the XXXX County court system and that they would respond. I asked once again who that was and they refused to provide me with a name. I then did some more investigating and actually talked with the XXXX County Commissioner ( XXXX XXXX phone number XXXX ) and he did some research for me. He states that the Court case number and the docket number provided to me by the credit bureau belongs to XXXX County and that the Federal tax lien does not show up in their records for me. He further stated that neither him nor any department in the XXXX Count Court system reports anything to any of the credit bureaus. I also spoke with the IRS who had the court place the lien on me and they told me that they were not the ones who reported to the credit bureau. Like the court system they say that they never report tax liens to the credit bureaus. I can not get any information from the credit bureaus so that I can contact someone to try and get this removed. With everything else that is on my credit report I have contact information of someone that I can contact to try and resolve the situation and resolve the matter. I do not have that same opportunity with my tax lien as the information being given to me by the credit bureau is false.

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 2016-05-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I spoke with XXXX XXXX and they verified that they have no record of this debt within their system. I disputed this to Experian and XXXX and they are still reporting this debt as mine, when it 's not. Please, investigate the bureaus and have them remove this debt from my credit reports.

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 2015-07-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
On my credit report, it is showing under my XXXX XXXX XXXX account, it is showing that there is negative information listed. That was for a car I purchased. As you can see, I always paid on time up until I sold the vehicle. I closed it XX/XX/XXXX. I do not know what the statute of limitations is but I can not understand how anything negative can be shown under an account that was paid on time. This only appears under my experian credit report. 

Can you please check into this for me. Only on my experian report is it showing XXXX negative marks. XXXX is my bankruptcy from XX/XX/XXXX discharged and I understand that it will be there for 10 years, XXXX credit report shows XXXX negative item ( bankruptcy ) andd the experian XXXX is showing XXXX negative, I would appreciate any help you can give. 

XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-08 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: OH

Complaint narrative:
i went to get an auto loan and when they ran my social security number it came back as deceased. i have all called all XXXX credit agencies and no one can seem to give me an answer

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-25 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 is reporting that my current account status on ( XXXX ) old accounts is 120+ days past due. This is incorrect. This account was closed and tranferred in XXXX XXXX. I have disputed this info several times to ( both the XXXX and XXXX XXXX ) failed to fix this. This is severely impacting my credit.On my Experian report, they are stating that I am 120 days past due in XXXX XXXX. Again, incorrect.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09 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: NV

Complaint narrative:
XXXX times I 've tried ( with different browsers - XXXX and XXXX ) to obtain my credit report. The last time I received my credit reports was probably 2 years ago, so I 'm certainly within my time frame right. Even after resetting XXXX browsers ( deleting all cookies and history and restarting my computer ), AND FILLING OUT ALL THE INFORMATION, THEN TAKEN TO A XXXX PAGE WHERE THE INFORMATION WAS CONFIRMED, I received an error message that my request could not be completed. I was then directed to a phone number to obtain my credit report. After going through the tedious and time consuming process of entering all of my information on the phone when I reached the point where I was provided the opportunity to order my credit reports, the system prompted me to enter XXXX for XXXX of the company reports - I do n't remember which, Experian, XXXX, whichever, XXXX for the next, XXXX for the XXXX ( I 'll call them x, y and z for the balance of this text ). I pressed XXXX ' and there was silence. After a long wait the system repeated - as if I 'd never pressed a key - " XXXX for x, XXXX for y, XXXX for z. '' This time I repeatedly pressed and spoke " XXXX. '' Again after a long wait the system repeated the question again : XXXX for x, XXXX for y, XXXX for z. I hung up and tried again through the whole process. This time after finally reaching the point where the system prompted me I repeatedly pressed XXXX. ' I THINK the system recognized my input because I then received a prompt for " Press XXXX for another report, XXXX if you are finished. '' I pressed XXXX repeatedly and received the response " thank you, good bye. '' Clearly, the 'Free ' is not forthcoming. The on-line system failed and the phone system that I was directed to failed as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " XXXX '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

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
Consumer complaint received 2017-02-03 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 XXXX accounts that is fraudulent : XXXX XXXX mastercard and XXXX mastercard. I have requested a signed original credit application with my signature. I have not received the credit agreement with my signature as requested. These accounts have not be validated nor verified properly. This accounts is damaging to my credit score and I want them 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 explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Despite XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. Experian are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct so why are they asking me for proof. In the results of there investigations, they stated in writing that they " verified '' that these items are being " reported correctly ''? Who verified these accounts? Experian have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section XXXX ( a ) ( XXXX ) ( A XXXX & Section XXXX ( a ) ( XXXX ) ( A ). Furthermore Experian have failed to provide the method of verification as required under Section XXXX XXXX a ) ( XXXX ). Please be advised that under Section XXXX ( XXXX ) ( A ) of the FCRA - Experian are required to " ... promptly DELETE all information which can not be verified. '' Experian has violation all of my right. enclose is a copy from XXXX and they or I could get these account that Experian said they verify. 
account name : XXXX account number:XXXX account name ; XXXX XXXX bank account number ; XXXX account name ; XXXX account number ; XXXX account name ; XXXX account number ; XXXX account name ; XXXX account number ; XXXX Please send all papers and my signature to me on these accout, enclose is proof that they are not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is a follow-up dispute to my XXXX original submission number : XXXX. I received the attached final results from Experian in the mail yesterday after I had already submitted my complaint. You will see the date of XXXX XXXX, 2016 as the date of the results of Experian 's " investigation. '' They clearly ignored XXXX XXXX 's directive to delete all the information circled on the attached first page of the report. Yesterday I attached XXXX XXXX 's letter that was sent to XXXX credit bureaus XXXX and is very clear now that Experian has no intention, refuses and has failed to update my credit report as instructed by XXXX XXXX in their letter dated XXXX XXXX, 2016. The only thing left now if this is not rectified VERY quickly, is a lawsuit and I have proof of a winning case just with these two attachments. I could use the extra money Experian so go on breaking the law.

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 2016-11-30 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
The Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 1 ) ( A ), Section 611 ( a ) ( 1 ) ( A ), Section 611 ( a ) ( 7 ), and Section 611 ( 5 ) ( A ) requires credit reporting agencies to verify all accounts posted on a credit report or delete the credit report. The FCRA requires verification by the credit reporting agency actually holding the original signed consumer contract and providing a copy of that contract upon request. I have requested verification by Experian ( 4 notarized letters by certified mail ) and Experian has ignored my request. Under the FCRA, unverified accounts must be removed. Experian 's failure to verify means my accounts must be removed from their database, which Experian refuses to do. Please have Experian comply with the FCRA and either provide the verification or delete unverified information from my consumer file.

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 2017-02-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
XXXX XXXX XXXX has account reported as charged off. {$14000.00} written off. {$9200.00} past due as of XXXX 2017. This account went to collections 2 yrs ago and is currently being paid thru them at {$220.00} per month and on time.

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 2016-03-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are a couple accounts that are past the statute of limitations I have disputed and this agency is doing nothing about it. I want to place a complaint against Experian regarding XXXX XXXX # XXXX XXXX ( 7 years ago ) 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 explanation
Consumer complaint received 2015-12-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: MT

Complaint narrative:
I am writing to dispute the status and terms of XXXX student loans I used to have. The first is listed as XXXX, and has an account number of XXXX. The amount is currently listed as {$6400.00}. The second is listed as XXXX, and has an account number of XXXX. The amount is currently listed as {$7300.00}. I have no loan with either XXXX or XXXX with a balance at this time. All are closed with a {$0.00} balance. 

Both of these accounts are actually paid-in-full, closed, with {$0.00} balances. I have attached the letters that I received from both XXXX and XXXX. However, Experian continues to report them incorrectly with incorrect status and terms. The creditor states that they have updated Experian 's records, yet this does not occur. I try to dispute them with Experian, but Experian states that I have used my " maximum number of views '' and therefore I can not view the report that I must initiate a dispute off. Of course, I can if I pay Experian, I am sure to be allowed to view a credit report so I might fix their error. I would like these accounts updated to reflect the actual account terms and status or removed from my credit report altogether. These credit reporting companies really restrict an individual 's access in order that they can not easily or quickly correct an error on their credit report. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28 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:
Experian failed to remove the Hard Inquire obtained by XXXX on XXXX/XXXX/15 and XXXX/XXXX/15 by letter submitted by XXXX XXXX XXXX XXXX on XXXX/XXXX/15 ( XXXX, XXXXXXXXXXXX in which clearly explained XXXX decision to remove XXXX hard inquires obtained from my personal financial records kept by Experian.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian is reporting inaccurate information on my credit report. There are XXXX different XXXX accounts which does not belong to me that is afffecting my credit.

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 2016-10-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I checked my personal credit report, which I got from Experian on XXXX XXXX, XXXX and I noticed that there are inquiries that I did not authorize. One of the unauthorized inquiries was made on XXXX XXXX, XXXX by a company called XXXX with an address of XXXX XXXX XXXX XXXX XXXX, CA XXXX. I never contacted nor asked this company for anything and I dont even know how so many inquiries are being reported when I never even applied for anything from these companies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation