vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX va XXXX, XXXX XXXX have disputed w/all XXXX credit bueraus since XXXX. Experian case number XXXX XXXX/XXXX/XXXX Experian again XXXX/XXXX/XXXX case XXXX and again XXXX XXXX. XXXX XXXX/XXXX/XXXX and again XXXX/XXXX/XXXX case XXXX, and XXXX XXXX, XXXX, then XXXX as well in XXXX XXXX XXXX case XXXX and in XXXX XXXX and XXXX XXXX, XXXX over and over again for auto loan they state is a charge off or sold acct?? to who they only re reprted the same thing over again and never notified me they said charge off.. auto do n't charge off unless you repo a car and sell it at aution and going after the difference, this is not the case at all. I paid my car in full on XXXX/XXXX/XXXX {$880.00} and I have my titole to my car and XXXX paid in full letter w/ title.. I still have the same car today. I have done my due diligence on this and I am tired of the stress and same response that the creditor is reporting correctly. they are not and no one if moved me to another " company '' which is still their company just so they can put in on the credit report AGAIN as a XXXX XXXX XXXX XXXX my letter I have w/ title states XXXX XXXX auto finance not XXXX.by law after so many times over and over requesting a correction this item should be removed and I wish XXXX the XXXX XXXX auto loans to toff all XXXX reports to remove. I also see where all the sudden the XXXX was put on in XXXX?? my car was paid in full XXXX/XXXX/XXXX and the title letter from company is dated XXXX/XXXX/XXXX. yo can not reprt after someone is questioning their credit report much less you did it 2 years later. and again they say they charged off XXXX, yet paid them XXXX this company does what it wants and really tiredof the stress to get this off my report because of NOT being reported correctly and after multiple times trying w/ these agencies. 
like I said in XXXX wells fargo put the OTHER line of negative credit on my file and its just not correct or fair in this case, should have did it 2 years ago. 

I also thought that items supposed to be on report for 7 years, but everything seems to be 10years on my report.. all XXXX reports have so much on them tht its all 10years and this is ridiculous as well. 
XXXX auto XXXX acct number 10 years since date opened XXXX XXXX XXXX over 10years since date of last payment XXXX XXXX XXXX over 8 years since opened XXXX XXXX 10 years since date opened XXXX XXXX been over 10XXXX years since date opened XXXX XXXX over 9 years plus since date opened XXXX bank over 9 years plus I am asking the cfpb to please also remove these items, I am trying to rebuildemy credit yes they are hurting my credit but past the 7 years to stay on my credit. 

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 2017-01-06 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: CO

Complaint narrative:
I went to annualcreditreport.com to get my free credit reports from XXXX agencies. I got an error message from Experian saying they were unable to provide the report online and that I should request it via phone or mail. After multiple tries on multiple days, I finally went to there site and was able to pay for my credit report online. I find it troubling that the free but legally mandated service is unable to provide me with easy access to the report, but that I can pay for it. Furthermore, when I tried to report this problem on the annualcreditreport.com site, I could not get past step two of three. Step 2 requires two multiple choice selections, which I made, as well as a written response in the " tell us more ... '' section. After trying multiple ways of filling the form out, I kept getting an error message that " Tell us more is invalid. Please try again. '' and could not make it past this page to submit my issue. There was no further contact information beyond a mailing address on the site.

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 2016-10-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Okay so I filed a complaint with you guys about experiain not investigating properly and refusing to investigate my claim if XXXX. They opened up the investigation and are now reporting different dates once again. back to the same dates I disputed months ago XXXX is constantly reporting different dates back and forth I go with XXXX and Experian. Neither one can get there information straight and is causing great damage to my credit report. As I fight with experian and the creditor who constantly send different dates to every CRA. If experian could look through everything I sent since XXXX I been disputing this item, look through my bank statements that show I have never been late in fact I have paid early. They could clearly see XXXX is making mistakes in reporting over and over. I enclosed a resent email I sent to XXXX so that experian can see I am trying to resolve this with the creditor but am having no luck. There records are all wrong I just want experian to look at the facts look over everything I sent them since XXXX and all the mistakes XXXX has made and the many times they have updated. Look at bank records. Call my bank I will sign a release anything to get the right. The last letter I got from XXXX I enclosed and it has different dates than they are reporting. I also enclosed the consumer complaint report and it has different dates. Please I beg you to remove this I am so fed up I have sent you all I have I dont know what more to do. I also enclosed my police report for XXXX XXXX dispute. Experian also agreed to remove the XXXX credit inquiry and still has not

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 2017-01-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
CREDIT REPORT CONTAIN XXXX WRONG ADDREEES

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 2016-03-24 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:
I disputed a number of items on my Experian credit report ( attached ) on XXXX/XXXX/15 and to this point, they have not reponded to my inquiry,

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 2015-12-04 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:
Someone opened a credit card in my name at XXXX XXXX. We have contacted the creditor, but need to pursue whatever is necessary to have this removed from my credit

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-12 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 am a victim of identity theft and fraud, There are a lot of fraudulent accounts and inquiries listed on all three of my credit reports ( Experian, XXXX and XXXX ). As well as my child support account being listed as behind, when I am current on my monthly payments.

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

Complaint narrative:
Experian is reporting a collections account that has been unverified for over 2 years. On my report, XXXX XXXX XXXX is reporting a debt of {$2000.00} for a charged off joint account originated at XXXX ( original balance shows {$990.00} ) and was opened XXXX/XXXX/XXXX. The acct # listed is # XXXX on the credit report ; the credit report number is XXXX. I sent a validation request to the collection agency on XXXX/XXXX/XXXX - 30 days passed with no response. I sent a 2nd notice to them on XXXX/XXXX/XXXX - another 30 days passed and no response. In XXXX i submitted an online dispute at experian.com and it returned a result of " verified ''. The only responses received from this agency are to experian directly. I have no recollection of this account nor its reference and am unable to get any information regarding this collections account. 

I filed a complaint with the XXXX ( case ID XXXX at XXXX Serving XXXX, CA XXXX, Phone : XXXX ) and they sent the debt validation request to the collections agency on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX the XXXX reported they had received no response and were sending a 2nd notice. On XXXX/XXXX/XXXX the XXXX sent the 2nd notice. On XXXX/XXXX/XXXX the XXXX reported they were unable to solicit a response from the collection agency as well. I have requested 4 times debt validation ( account information details, original creditor information, the source of the debt, how and why the debt balance is increasing, any contracts associated with this account, proof that XXXX both legally owns and is allowed to collect on this debt ). The same information was requested by the XXXX twice as well. 

Experian continues to report this account on my report, but has been unable to provide any supporting information or validation of this debt. The collection agency has failed to respond to inquiries for over 120 days, but continues to report it to Experian and XXXX. I have attached copies of this dispute activity and per FDCPA regulations I am respectfully demanding experian remove this item from my credit report. They only response was to Experian and included one word, " Verified '', but have not provided any information as to what was verified, from whom or provided that to myself. 

Each time i submit the online dispute they decrease my credit score, so I 'm sending this complaint to you ( the CFPB ) to assist in getting this item deleted without being penalized again by the credit bureau. Experian has been reporting an unverified collections account for over 2 years with no assistance to resolve this matter. I would like this account deleted from my credit report and feel I have done my due diligence in attempting to resolve this dispute.

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 2015-07-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
XX/XX/XXXX there was a XXXX XXXX XXXX account opened up in my name. I was born XX/XX/XXXX which made me XXXX years old when this account was opened. I have never had any services or account with XXXX XXXX XXXX. This has been hurting my report and I have been declined services for 2 years. I have been trying to get this off and no one is helping me. Legally I was not old enough to have a utlitiy bill when I was XXXX. I have no idea who had this account. When I went to college and started to look at my credit I seen this. I started disputing it then with XXXX and all the credit reporting companies. Account # XXXX XXXX XXXX XXXX. Address is XXXX XXXX XXXX XXXX FL XXXX and the phone number is XXXX. 
I need this to be removed from XXXX XXXX XXXX now. They should have never allowed someone to use my information to get a utlity bill of any kind. I need this removed from All Credit Reporting agencies as well. This has damamged my report and prevented me from getting credit. I have attatched my ID showing y date of birth.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Tax Lein paid in full before going to collection and repeated negative remarks gir over 6 1/2 years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-02 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In XX/XX/2010 I was the victim of identity theft. 

The person or people had my name, date of birth, social security number, address, a credit card number, and a fake driver 's license. 

They attempted to get {$15000.00} from a bank in another state that issued the stolen credit card number but the bank did not give them the money. They then opened several consumer credit cards and bought things before I was able to stop them by placing a 7 year fraud alert. I got a police report in the city where I live to officially report the identity theft. 

Today I called Experian planning to extend the fraud alert another 7 years. 

Experian has a policy that they will not place a 7 year fraud alert unless there is a police report. I told them there is a police report. I was told there must be a new police report to issue a new 7 year fraud alert. They offered me a 90 day fraud alert. 

My argument is this : The data stolen from me ( name, DOB, SSN, address ) that allowed the thief or thieves to open credit cards at retail outlets has not changed and is still in the possession of the thieves. The risk of fraud is as real now as it was in XX/XX/2010 and no further fraud/new police report is necessary to prove that. 

Any consumer should have the right to restrict the use of their data for the purposes of opening a line of credit or credit card. A consumer with a history of documented identity theft all the more so. Requiring the consumer to renew a fraud alert every 90 days is akin to my child 's pediatrician offering vaccines that expire, and require a new shot, every 90 days. 

It does n't make sense, there is presumably a rationale on the part of Experian that relates to their business model and generating revenue from consumer customers, and in my opinion that is unfair and ought not be allowed.

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 2015-12-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was required to be late by FHA. Supporting documents attached. 

Divorce proceedings were started XX/XX/2014 and finalized last month - ex wife XXXX XXXX XXXX. I was mandated to pay child support to my ex-wife for her and my XXXX children that share in part-time custody. I do live in the home over XXXX % of the time due to the children reluctances to understand the divorce and are in the process of continuing to move out of the property. I am currently living part-time with my parents. Please release the deficiency of the loan balance as I am unable to pay the remaining balance owed and please apply me for any incentive programs the investor offers since this is technically my primary residence. Due to the divorce, my household income has decreased over XXXX %, while my expenses have increased well over XXXX %. Please see Divorce Decree for amount paid to my ex-wife. I do apologize for this and wish I was able to pay the balance I committed to, but I do not see in the foreseeable future that I will be able to keep the home and currently have a contract on the property to Short Sale the home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 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:
There are XXXX accounts on my credit report that are not correct ... XXXX Bank master card ... never had XXXX ... .XXXX ... charged for an item not received ... XXXX..acct. paid off over six years ago and equipment turned in ... do not owe any balance

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX and Experian on line dispute webpage do not allow you to complete your dispute on line. XXXX does.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 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 have never had a loan with XXXX, however XXXX is reporting negative loan information on my Experian credit report. I have repeatedly filed disputes with Experian and they keep telling me they have verified that this mortgage loan is mine. I 've even asked XXXX to show me the loan origination papers that I signed if this is my loan, but I have not received any response from them. I have tried to file another dispute with Experian, but I 'm told I can not fie another dispute, since I have previously filed a dispute in the past with them. I asked them why, and their response was : I could file another dispute, if I had additional documentation. Well, I do n't have additional documentation because there 's not any additional documentation to provide ... .It 's simply not my loan! Please contact Experian and advise them to delete this negative information off of my Experian credit report. The account in question is showing on my Experian credit report as : 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 2016-05-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I received a written letter from XXXX XXXX XXXX regarding an account. The written letter offered the option of " XXXX payment of {$430.00} '' and that my " account will be considered " Settled in Full '' after the payment is successfully posted. ( Please see attached letter ) I paid the {$430.00} ( please see attached payment receipt and bank statement ) and XXXX XXXX reported my account as " Reached An Agreement With A Lender To Repay Only Part Of The Original Debt ''. Their letter was misleading. I would not have agreed to pay the settlement amount if I had not been led to believe that the payment would be reported as anything other that " Settled in Full ''.

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 2016-08-01 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I wrote Experian on XXXX XXXX and included all copies of ID their website says they require. I had specific questions I asked for an investigation to be done. It is XXXX XXXX and they have not responded to me in violation of 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 2015-04-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX has a credit card balance on my profile that is not mine. it was a closed credit card of my relatives that i had a authorized card. however i asked that the account be closed and to take the card off my profile since i am not the master owner of the card. 
XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian refused to communicate with me via email ( please see attached ). I think this is a deliberate attempt by Experian to shield itself from valid inquiries and questions ; to limit my access to information ; and to force phone calls to persons who are undertrained and/or morons and/or having me waiting " on hold '' for extended periods of time. There is no valid basis not to communicate by email, and in fact it has the favorable effect of having a written trail of what is communicated.

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 2015-09-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have filed several disputes with the all XXXX of the CRA 's and have also disputed directly with XXXX XXXX XXXX in SD in regards to XXXX credit lines with them. This account has been re-aged and XXXX XXXX reports that the information remains correct and verified. I do not appreciate this practice and view it as unethical and perhaps this is not the first time this has occurred with this company. All XXXX credit bureaus report a different age of these accounts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation