vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-30 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I disputed to issues on my credit report. Providing proof both claims were paid in full and one as false account/loan number I did not sign a contract.

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 2017-02-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
This is incorrect and is showing up in my credit please remove DEROGATORY PUBLIC RECORD OR COLLECTION FILED Your credit report shows a derogatory public record ( such as a bankruptcy, foreclosure, civil judgement or tax lien ) or collection which is generally more risky to lenders. Note : A satisfied public record or paid collection will remain on your credit report for 7-10 years.2. TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN Missed and late payments ( delinquencies ), including the number of late payments, how late they were, and how recently they occurred, are an important part of your XXXX Credit Score. Your credit report shows recent missed and/or late payments with creditors.

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 2016-11-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
On XXXX case # XXXX was opened with the CFPB against XXXX XXXX XXXX. XXXX XXXX failed to respond after more than 60 days. This is longer than the 30 days permitted by Federal Regulation and the 45 day response time allotted by the CFPB. In accordance with federal regulations, each credit reporting company must immediately and permanently remove XXXX XXXX XXXX account # XXXX from my credit 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 2016-03-10 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:
I disputed account XXXX with Experian on XXXX/XXXX/XXXX. I received an update XXXX/XXXX/XXXX that the status of the account with remain the same. I also contacted the collection agency XXXX on or around XXXX/XXXX/XXXX to let them know that I am disputing this account and they told me they were going to conduct an investigation. I also filed a complaint with CFPB under XXXX that attached the bills from XXXX. Upon review of the bill, I noticed that they did not make the proper adjustments according to my disconnect request made on XXXX/XXXX/XXXX. XXXX billed me for XXXX XXXX thru XXXX XXXX because they failed to disconnect my service on XXXX/XXXX/XXXX. I then received a bill and XXXX told me they were going to adjust my account for the bill date XXXX/XXXX/XXXX thru XXXX/XXXX/XXXX, but they still did not credit my account. Since XXXX did not adjust my bill for XXXX/XXXX/XXXX thru XXXX/XXXX/XXXX, it caused my account to have a balance of {$270.00} that is now being report by XXXX. I called Experian letting them know that a failed adjustment cause the balance and investigation is still being conducted. I asked Experian how can I dispute this account and the rep told me by law they do not have to delete or supply anything related to credit report. I ask him ( Experian ) what I need to do, he told me to send/upload documents related to my dispute. I told him XXXX verbally told me they were going to adjust my account. He ( Experian ) said he can only re-dispute if I supply documents related to a verbal call I had with XXXX two years ago. I told Experian how can I support documentation of a verbal call from two years ago and why did the credit bureau did not question a collection items dated two years ago that is currently being reported by XXXX XX/XX/XXXX. This account is still under investigation with XXXX and XXXX. I believe the laws protect me from this negative reporting until the investigation is complete. I thought the collection item should be flag disputing until investigation is complete. At this moment, there is not flag and I can not re-dispute unless I upload a document, which I feel is totally unfair. At the end of the day, who is there to protect consumers from these type of issues. This is so unfair and it should be required for a service company to send an email and letter to consumer when they request to terminate service for future instances that are similar to this particular issue.

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 2015-05-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I already paid in settlement my original creditor XXXX, Nevada XXXX. but my credit report in Experian shows account is still in collection as of XXXX 2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian has discriminated against me by listing items on my credit report that occurred because I was emitted in a XXXX as a XXXX veteran. These items which do not belong on my credit report have prevented me from receive credit by many companies and have cost me because I receive higher interest rates on credit and loans. I suffer XXXX and there are items on my credit report that are do to this injury and XXXX. I have attempted to clean my credit report with this firm to no avail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have send dispute letter to XXXX, XXXX and Experian asking the verifiable proof for the accounts thay have filed in my report. 
They have failed to prove them 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 2016-12-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have disputed with Experian and this information about a collection from XXXX remains on my report. I recently received a response from XXXX which responded on the CFB case # XXXX that they would remove this collection.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I 've disputed XXXX credit cards that were paid in full and are n't reflected as updated. 

Experian 's " investigation '' did n't end up removing XXXX of the cards, my XXXX card. This information is inaccurate and still remains on my credit report. The account has been paid and should reflect this.

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 2016-04-12 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:
Experian reported that there was a " hard '' credit inquiry from a credit card merchant processing company on XXXX XXXX, XXXX on my personal credit bureau report. That was not for me personally ; it was made in error. I contacted them directly, since they are a credit card merchant processing company, and I am the XXXX Financial Officer of our company, and we have been a client of theirs for over six years. What happened is that back last XXXX XXXX we requested a new Merchant ID for XXXX of our divisions, and I signed off on the applications ( as I always do ) as the XXXX of our company. 

After contacting them, and speaking with our client representative, and later with other staff of them, I found out that someone in their Underwriting Department made an inadvertent mistake, and ran my personal credit report, instead of running a XXXX & XXXX ( or something similar ) on our company. Since I am not an owner of our company, only an officer, they should not have had access to my social security number, and they should not have done a " hard credit '' inquiry on my personal credit report. And they understand that, and have apologized to me. But they did not contact, to the best of my knowledge, Experian, to clear up the matter. 

So, I sent a letter to Experian dated XXXX XXXX, XXXX, and I informed them of this matter, and I asked them to please remove that hard credit inquiry from my credit report. However, they sent me a copy of my credit report back, dated XXXX/XXXX/XXXX, and did not specifically say how they handled it, but it still showed up in the " hard credit inquiry '' section. Somewhere in their documentation they insist that they simply must report all companies that legitimately request a credit report, and it counts as a hard inquiry. And it does not appear to me that they have any intent to do anything about that, regardless of the circumstances. They did not reach out to the credit card merchant processing company, to the best of my knowledge, and thus the issue is probably " resolved '' in their minds, but certainly not in my mind.

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 2017-01-23 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 states " we will not reinvestigate the dispute again '' Negative inaccurate false items Which is against the rules and regulations 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 2015-07-10 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Received marketing offer after opted out
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
The marketing companies only said they would take me off, but thought I was interested in offers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I opened an account with XXXX in XXXX, 2016. They, in turn used XXXX. I kept the product that I purchased with XXXX for about 3 days. XXXX called me multiple times to insist that I pay them. I explained that I returned the product before a payment was ever due, and that I did not owe for something that I did not have. I mailed them copies of the receipt showing that I returned the product, and they insisted I write a statement, and get it notarized along with sending it via registered letter. I explained that I would not do this because I did not owe anything, and I had spent over an hour for two different three-way calls with XXXX and XXXX proving that I did n't owe anything. XXXX proceeded to report me missing a payment to credit agency ( ies ). This delinquent payment is showing on my report. The derogatory status was updated to current status, but that does n't reflect properly that it should have never been reported as delinquent at all. Please help me to remove this from my credit history. I have worked hard to correct the irresponsibility of my past, and I do not want this to lower my credit score, as it already has by several points. 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 2016-06-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
There is a XXXX post paid account that has been added and deleted to my credit file several times. The date of first delinquency with this creditor was in XX/XX/XXXX and it appeared on my credit file as XXXX in XX/XX/XXXX. The accuracy of the information was challenged and subsequently deleted. This item appeared again on my credit report XX/XX/XXXX with a open account date of XXXX XXXX under the collection agency, XXXX XXXX, XXXX, Account # XXXX, the Experian Credit report # XXXX. This information was challenged and subsequently deleted. Now, the information is once again showing on my Experian credit file report # XXXX under the collection agency, XXXX XXXX XXXX with an open account date of XXXX, XXXX. I challenged the accuracy of this information as it is a re-aged account in XXXX, XXXX and I received an email confirming the investigation was completed and the credit collection will remain an open account with a date of XXXX, XXXX despite this information is a re-aged account. Please assist me with this matter as it has seriously damaged my credit score since it is showing as a new collection account and it is also going to remain on my credit file longer than legal because it is re-aged to XX/XX/XXXX rather than the first date of delinquency in XX/XX/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 2016-01-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have contacted XXXX XXXX XXXX several times and they say they have no record of my account but it continues to be listed on my report. XXXX time I called and they said it was my husband 's account but it is not listed on his credit report. They do n't know how to remove it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My student loan account XXXX with a balance of XXXX has been corrected by my student loan company XXXX ( XXXX ) showing that I have never been late. However Experian is still showing them as late. I have contacted my lender and they said they have sent the correction twice to them in the last month and do n't understand why they have n't corrected it. This error has resulted in getting denied for a mortage and when I try to dispute it with Experian they stated that it was " previously disputed and leander came back verfied '' and thus will not investigate, however lender stated that they did n't verify anything and was never sent anything by Experian for a dispute. The lender stated that they have exhausted all their efforts to correct the error and its up to Experian to report it correctly. Experian refuses to look into the matter. I am filing this complaint as a last effort before filing in court for the damages of being denied a loan if they refuse to correct it at this point.

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 2016-11-05 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XX/XX/2016, I attempted to obtain a free copy of my consumer report by contacting Experian, the credit reporting agency listed, within 60 days of receiving a denial notice. I attempted to get my report via the website listed on my denial notice ( www.experian.com/reportaccess ). After filling out the required information and answering questions, the website indicated that it was unable to honor my request without explanation. I attempted to enter my information a second time, was denied again and was redirected to this site ( https : //www.experian.com/consumer.html ), which advertised in bold XXXX font, " WHAT 'S YOUR FICO ( R ) SCORE? 

FIND OUT NOW WHEN YOU CHECK YOUR CREDIT REPORT FOR {$1.00} Checking your own credit will NOT lower your score Review your credit report for unfamiliar information Toll-free support available 7 days a week Fast and easy " A screen capture of this site is attached. 

I paid {$1.00} to receive my credit report. On XX/XX/XXXX I was billed XXXX I immediately contacted Experian via the phone number on their site upon being billed. I had no notice of the bill, but saw the charge on my account. XXXX representatives and XXXX supervisors all indicated that they did not have the ability to issue refunds and none of the first XXXX indicated I could request a refund via email. The second supervisor gave me the email address XXXX. I emailed this address, explaining what had happened, and was told that I signed up for a trial membership that converted to a recurring monthly membership and since I had failed to cancel within the 7 day trial period, the bill could not be refunded. I was also told that no pro rated refund could be issued. 

I did not intend to sign up for a recurring service. I did not use the service and gained no benefit from it. I promptly asked for cancellation and a refund or a pro-rated refund for the three days during which I had the service that it took me to become aware of the billing 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 monetary relief
Consumer complaint received 2016-09-16 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
This acct is not accurate on my report and is showing negative. I have called and sent certified letters. It was never late, now showing negative closed and chargeoff.

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 2016-04-22 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX I 'm writing in regards to XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX, XXXX. 

My son left the apartment in XXXX, XXXX. Working with XXXX . XXXX XXXX, Senior Leasing Consultant, at the time, they agreed the apartment complex would keep his deposit and the rent for XX/XX/XXXX in return for letting him leave the apartment at the time. My son did not get anything in writing from XXXX XXXX as he trusted her to keep her word. 

Now I understand there is a notation on mine and his credit report that an amount is owing to the apartment complex due to his leaving prior to the end of the lease. 

I know XXXX XXXX was sold to other owners who put the bad debt on our credit reports. 

I would like this matter cleared up very quickly. 

I can be reached at XXXX during the day or at XXXX after XXXX XXXX here in XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 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, XXXX, and XXXX keeps adding repeated and or information that is not mine to 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 2015-05-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Hello, XXXX XXXX XXXX ( aka XXXX XXXX XXXX ) is reporting the reporting the dates of an old debt as a current debt. My original debt was opened XXXX/XXXX/XXXX ( confirmed in their Account Summary Report ), however XXXX is reporting the date they acquired the debt XXXX/XXXX/XXXX ). I would like this information updated on my credit report to the correct dates. 
Sincerely, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
EXPERIAN is illegally and unlawfully reporting information on my credit file. I 've asked for the following information : a ) Federal Reserve form XXXX registration statement, ( b ) Federal Reserve form XXXX ( b ) ( XXXX ) prospectus, ( c ) Federal Reserve form XXXX balance sheet ( s ), ( d ) Federal Reserve form XXXX balance sheet ( s ), ( e ) Federal Reserve form XXXX balance sheet ( s ), ( f ) The Deed of Trust. ( g ) Chain of custody and They have not responded to my request. I also asked them to present a certified final forensic audit from EXPERIAN in accordance with XXXX, XXXX in accordance with basel XXXX accord and XXXX conventions. I also asked them to present these documents from the following vendors/creditors : XXXX acct # XXXX, XXXX acct # XXXX, XXXX acct # XXXX, XXXX acct # XXXX and they have failed to do so.

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