vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
I filed an identity theft dispute for a card w/all XXXX bureaus at the same. Included my info + FTC identity theft report. XXXX and XXXX quickly investigated and removed the card. Experian has continually lost my paperwork info/constantly closes the disputes saying the credit grantor does n't know how to contact me to discuss the identity theft when I SENT THEM PROOF OF A CERTIFIED LETTER +THE CREDITOR 'S RESPONSE TO SAID LETTER. Every time I re-open the dispute they ask for the SAME PAPERWORK I have already sent AT LEAST 3 times both via certified mail and now on their website. ( Which it took months to get it to actually work for the document uploads without giving me an error. ) Every time I call the lines are busy, and I just keep getting these mailed responses telling me to re-send all the documents I have already sent 3 or 4 times both physically and electronically. And to also reach out to the credit grantor. ( Even though I sent proof of already doing so. ) Throughout ALL of this they have not actually investigated the actual identity theft even though there 's tons of proof behind my not taking out the card. I sent them a letter explaining the situation, including the fact that some phone numbers, addresses, and employment on my report along with the card were from that very same identity theft. So of course they remove the phone numbers, addresses, and employer ( removing the evidence, but not the actual issue ) but leave the card and ask for all the paperwork I already sent yet again. 

I am so beyond done with this. There 's only so many times I can re-send information before just assuming a company is completely inept, especially given how quickly XXXX and XXXX resolved the issue. I can not believe that this company is still considered one of the " big XXXX '' credit bureaus in the United States. How laughable.

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: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I went to XXXX on XXXX/XXXX/15 and applied for a store credit card. I was unable to get XXXX. Today XXXX/XXXX/15 I tried to call the number XXXX gave to get the problem resolved but again after putting in my social and DOB it would n't allow access. I then tried to get my free annual report from the website XXXX to see if my information was right but again after putting all my info in there were problems. After multiple tries XXXX site asked me questions about mortgages, credit cards and bank accounts that were started several years back that I never had any involvement in those start ups. Majority of questions are things that require you to be XXXX which at the years they said things we 're opened I was under the age if XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-02 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
I sent several requests for account validation and then method of validation and all I got back was a letter that the accounts were verified. They are not verified. There is no documentation to validate or verify these accounts. Experian sent me a single piece of paper 3 times. They never did an investigation and they have no evidence regarding these accounts. These accounts are wrong and Experian has done nothing to investigate or reinvestigate and they have no validation of these accounts. They are willfully being negligent regarding my rights as a consumer. These need to be deleted

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 2016-09-14 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I have XXXX accounts at Citizens Bank NA. I received my social security direct deposit and immediately transferred it into my joint checking account using my Citizens mobile app. After transferring, I returned to my accounts and noticed that nothing had transferred into my joint account. Instead, after some research, I discovered that it had been transferred into the overdraft protection associated with my joint account even though I have a XXXX balance owed. I called the bank and informed them of this irregularity. I called to their attention that on the mobile app I used that that there is no facility for transferring funds into ODP. He informed me that this was a service error and the funds would probably be restored to my joint checking account the following day once the system determined that I had a XXXX ODP balance. He claimed he could not restore the funds himself. My name is XXXX XXXX and I typically keep a total balance across all Citizen accounts of {$100000.00} or more. I assume that Citizens has written an algorithm to unilaterally sweep transfers into its ODP and may or may not inform its customers of that.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: ME

Complaint narrative:
Disputed XXXX XXXX XXXX ( XXXX ), previously. Received letter from Experian, stating account information has been " updated ''. No changes were made to account, except for " processing date ''. Also, in letter, XXXX other accounts were mentioned, to which I did not dispute in my complaint. XXXX, being a " paid never late '' account, XXXX. The other, being XXXX XXXX XXXX. I checked my previous complaint, and nowhere in the body of my complaint, are they mentioned. Also, I am hereby requesting method used to verify account information. I received a letter from Experian, but not companies mentioned.

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 2015-08-27 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:
I have repeatedly been denied access by all XXXX major credit bureaus for my free annual report ... I submitted ALL of the asked for documents to receive my credit reports from all XXXX agencies : XXXX Experian XXXX XXXX XXXX ... .I have not received a response at this time, or a report XXXX XXXX XXXX XXXX I received a response from Experian stating that they REFUSE to send me my credit report, after they received a copy of my Driver License, a copy of my Social Security card, a copy of my mailing address on a cable bill, and years worth of address history, date of birth, full name. By law they MUST give me a copy of my credit report. Please Intervene. Also, I received on XXXX XXXX, 2014 dated an " incorrect reporting '' copy of a credit report, not my actual positive file, XXXX, and the report stated a FRAUD ALERT on my file ... which was never put there by me. Please assist. Thank You.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Landlord cash my last check before I broke my lease and still put my account in collection spoke with collection agency who does n't want to remove this from my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
EXPERIAN-I NEED TO FILE A DISPUTE AND I CAN NOT REACH THEM. I HAVE TRIED REACHING OUT TO THEM BY PHONE AT LEAST XXXX TIMES AND ALL YOU GET IS A RECORDING. I HAD REMOVED MY FREEZE WELL OVER A MONTH AGO AND I STILL CAN NOT GET A DISPUTE REQUEST. I HAD NO TROUBLE REACHING XXXX AND XXXX. WHY IS EXPERIAN SUCH A PAIN IN THE BEHIND ABOUT GETTING HELP FIXING MY CREDIT ... THERE ARE ACCOUNT THAT NEED UPDATING AND ACCOUNTS THAT ARE NOT MINE ... HOW CAN I GET HELP WITH THIS DISPUTE ... ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
After a complaint with Experian that the CFPB was involved with ( Case number : XXXX ), I sent Experian a letter requesting that a personal statement be added to my file ( see attached ). Later they returned the results with my personal statement that they modified to benefit themselves ( see attachment XXXX ). They changed " incorrectly '' to " correctly '' which completely changes the tone of the statement. In my opinion they did this purposefully which I feel is fraudulent and is affecting my credit. Can you please wield the power of government, get them to change the statement and put a leash on these characters! 
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 2016-03-30 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Receiving unwanted marketing/advertising
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Experian had XXXX hard inquires on my credit report from XXXX XXXX on : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and 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 2015-06-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Dear CFPB, I have received a response from XXXX concerning XXXX inquiries on my credit file. As per their response, XXXX XXXX, 2015, there should be only XXXX inquiries as per their records show. The CRA 's are reporting false information that is hurting my creditworthiness.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I am requesting with this written notice that the following inaccurate XXXX XXXX XXXX item be removed from my credit report. The items are not correct and are causing me financial distress because of their derogatory information. I have sent previous letters to you, requesting that you remove inaccurate information from my file and you have failed to do so. Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to remove them. If this final request does not prompt you to conduct to removal of the account and send proof to me of said investigation or removal, I will file a civil suit in XXXX KY for damages. I take my credit very seriously and your lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Butte County Credit Bureau
State: CA

Complaint narrative:
Butte County Credit Bureau is reporting a debt from XXXX on my credit report. I have disputed this debt 3 times, yet they claim to verify it with XXXX. When i talk to the collection agency, XXXX XXXX claims this company is out of business and has noa ccess to any contracts, but has my name saying i owe money. After dealing with him for two weeks he stated we are at a stalemate, and will continue to report this debt that does not belong to me. I have asked him if he has a contract or my signature which he states he does not. But he states all he needs is my name. It is outrageous this agency can get away with ruining a persons credit with out verifying the debt what so ever. Logic tells me any sort of contract would have a signature which this agency will not furnish. They claim it is due to the company being out of business. I then asked if i was to pay you money today, who would actually get this money? He stated he was not sure. This needs to be stopped!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX, I filed a complaint with the XXXX regarding XXXX student loan accounts on my credit report. They stated that there were included in Chapter XXXX bankruptcy on XX/XX/2012 which is clearly incorrect. I never filed Chapter XXXX bankruptcy and on XX/XX/XXXX, I received a response from the XXXX from their XXXX Associate, XXXX XXXX, that he reviewed my credit report and it does in fact show that I do not have a Chapter XXXX bankruptcy on my credit report but yet verified the status of all XXXX accounts stating that they were in fact included in Chapter XXXX bankruptcy. This is a huge red flag and a violation of the Fair Credit Reporting Act.

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 2016-12-05 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:
Experian is reporting an unknown account XXXX/unknown company is reporting information on my credit file. I have notified them that this is not my account. I have also asked them to send me proof that I am obligated to pay them for this debt if they are suggesting that the debt is mine. I have not received any proof that they own this debt or that I am obligated to pay them. This account needs to be remove from my credit file. This is not my debt. This company have violated the FCRA by not providing me with proof that I am obligated to pay them and reporting a debt that do not belong 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 2016-01-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: GLENN ASSOCIATES MID-ATLANTIC, INC
State: DC

Complaint narrative:
I was never contacted my the creditors or the collection agency about the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian keeps renewing a negative item

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX credit ... a collection agency ... is improperly reporting after not following 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 non-monetary relief
Consumer complaint received 2015-06-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Several items on my credit report have been reported past the 7 years for negative items, I tried contacting experian about this they refused to remove the items. They actually changed the dates on it so it states an incorrect time opened.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX All this are wrong and i called the credit bureau and they do n't want to remove it ... from my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Io, Inc.
State: DC

Complaint narrative:
I have attempted to submit a dispute on XXXX site, when I enter my information it tells me that my information entered is incorrect and forwards me to an open webpage. I have free formed my dispute twice and received not response or resolution.

Company response to consumer: Closed
Consumer complaint received 2016-11-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Experian is the company that verifies identity for XXXX. Every year I am denied and have to go through a series of other steps through XXXX to verify my identity. As of today for the 2017 coverage year, Experian has not verified my identity even thought I have sent them the info needed. They do not allow disputes like this on their website and no one has returned my calls in any of the last 3 years that i have had this issue. I have a very extensive and excellent credit profile but my family and I are being singled out for this process every year. Last Year, My daughter was without coverage for 2 months due to this delay. I sent in a copy of my drivers license as I have every year but no response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I checked my credit report with Experian before going to buy a car. I thought it was only XXXX dollar to check with the understanding that annual credit reports are free. They charged me a recurring {$21.00} fee. When I called they would only refund XXXX month. The Experian website is highly misleading and gets people checking their credit to inadvertently sign up for recurring credit monitoring charges.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have all these hard credit inquiries on my credit report which I did not approve. How can I get these removed? they all happened on XXXX XXXX, 2014. please help me remove these from my report? 

XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01 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 Credit Union continues to report false information regarding a utility bill with XXXX. For 6 year they reported the opening date of the account as XXXX2009 with the account closing, due to a last payment XXXX/XXXX/2009. Additionally, the report date is wrong. The account was opened for 5 months and closed post XXXX refusal high rates despite a XXXX issue with faulty air conditioning. 

Currently, they are reporting the account as a loan that was taken out in 2009. The term of the loan is reported as one month. The loan is also reported as derogatory. This is despite the account being paid in full. 

-Additionally, the below noted are still being reported on my account despite letters for removal despite letters from collectors for removal. 
* {$60.00} paid medical bill, XXXX {$220.00} XXXX ( XXXX Collections ). * {$750.00} 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 2016-08-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Experian continues to report a judgement for a business account on my consumer credit report. This account was opened under my Federal ID Number ( see attached ), and I did not guarantee that it would be paid. Reporting this account to my consumer credit report is improper, and distorts my true consumer credit score. It has prevented me from getting credit on a number of occasions, and continues to scar my credit. 

The fact that the judgement was a business account and not guaranteed prohibits Experian from reporting it to my personal credit report. Yet, after three plus years of appealing to them to remove it, they have continued to violate my consumer rights by reporting inaccurate information on my report. The damage that it has/is doing must be rectified, now.

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