vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
There is a Judgement that I have been disputing for the past two years. It was placed on all XXXX Credit Reporting Agencies and they state that they have investigated and it is mine. A judgement that is for a XXXX XXXX for {$2500.00} with a listed address of : XXXX XXXX XXXX XXXX, NJ XXXX. I have been trying to get this address off of my report since they put this on stating the facts that I have never ever ever lived there.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I have disputed. Being that they have gone past the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( A ) of the FCRA - " They are required to promptly delete all information '' which can not be verified that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-14 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have contacted Experian numerous times to have items deleted. There are XXXX negative accounts still reporting that clearly violate the 7 year fair reporting act but Experian refuses to discuss this any further. If I do not have this information removed in a timely manner as per the 7 year fair reporting act I will have no other choice but to proceed with legal action. Please review this case as the 2 reporting accounts have clearly surpassed the 7 year reporting requirement 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 2015-04-12 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Experian, XXXX and XXXX will post a a collection Agency 's 'collection ' on a consumers credit report without validating whether or not the Debt is valid. an assumption is made the Consumer is guilty and getting invalid debt collections off a report takes repeated efforts. Also, All XXXX credit reporting agencies, will allow a collection record that has been sold to another debt collection company to remain on the record even after dispute they generally will not remove the old record so the report contains XXXX records of the same debt allowing the scoring to be even more impacted. Our legal system maintains innocence until proven guilty given the priority given to credit scores and reports the above need to be fixed. Collection agencies have their place, however due diligence should be completed prior to any account showing up on a credit report. XXXX items just showed up on my credit report From XXXX XXXX and associates with XXXX different amounts that do not even look familiar to me. 
Legislation should be changed to give the presumed debtor the 30 day window to either validate or pay the debt prior to it hitting someones report. Assumptions are being made that the consumer was given that opportunity to question the debt and in many cases this is not correct. XXXX XXXX is notorious for placing things into collections 10 days after the XXXX was due and the entry is immediately placed on the the report has been hit and and mail arrives from the collection agency after the bill was paid.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am a victim of identity theft. I submitted all documentation to Experian in regards to these XXXX accounts, XXXX - XXXX, XXXX - XXXX, XXXX XXXX - XXXX which included my police reports, ID, Social Security card, proof of residence and affidavit. These accounts should have been blocked and deleted from my file. They are still present.

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 2017-02-07 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have been dealing with all XXXX credit bureaus for almost a year. I also reached out to the companies reporting to validate the debt and neither one has done so. I gave them over 30days and nothing. XXXX act XXXX XX/XX/2010 and XXXX XXXX act XXXX XX/XX/2010 I want them both removed from all reporting agencies. I have disputed them so much that I ca n't even dispute them any more because they have supposidly been investigated but I have yet to receive any proof. Under law they had 30 days to show proof or delete it. Neither has been done. Also they will fall off XX/XX/XXXX on there own because they will be 7 years old. It should not be that hard to get things removed that have n't been proven in 30 days. Sending me a letter for identity theift like these companies did isnt validating a debt.

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

Complaint narrative:
Experian appears to be mishandling personal loan records as used to calculating FICO scores. I have recently restructured $ XXXX of debt. It has been more than 30 days since I have done so. Despite a basically perfect history of payments to my debt, several of the personal loans and credit cards lied about reporting in a timely fashion, suggested I would have to wait 90+ days for them to report, and after multiple disputes with Experian , XXXX and XXXX I 've finally gotten them all to reflect that I have less than {$400.00} of credit card debt at this time ( in actual fact it was {$0.00} until yesterday XX/XX/2016 ). I have been forced to pay $ XXXX a month to Experian and XXXX to track the status of their reviews and my accounts which have been repeatedly incorrect and in the case of at least XXXX account the incorrect balance cycled multiple times from {$14.00} to {$1000.00} all the while never being anything but {$0.00} for more than 30 days. I have now noticed twice that Experian has suddenly reduced my credit score by as much as XXXX points because first they do n't notice I have XXXX remaining personal loans ( XXXX auto loan, XXXX unsecured loans ). Then their own system explains they are deducting points from my score for having XXXX or XXXX personal loans. I have called twice on this matter. No one can explain why one part of their system says I have XXXX personal loans ( correct ) while the FICO score system reports I have currently XXXX personal loans ( incorrect ). Once their system does this, it is always a matter of 48 hours before myFICO reports the credit score deduction. I will attach a document to my complaint showing on their website the report of XXXX personal loans. It is not acceptable to me that I restructure my debt to gain control over {$1700.00} a month in income only to have my credit worthiness misrepresented by Experian who charges me a monthly fee of more than {$20.00} for the pleasure of making me chase them to report valid information.

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 2016-04-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I filed for bankruptcy in 2009 and included all of my debts - which included a XXXX credit card. XXXX is now called XXXX. My credit report shows XXXX account as a charge off even though it was discharged in my bankruptcy in 2009. A representative from XXXX told me they could not talk to me in regards to this matter. I would like to resolve this matter as it is impacting my credit negatively and have this debt removed 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 non-monetary relief
Consumer complaint received 2016-06-25 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: WA

Complaint narrative:
Experian web sites do not function correctly. No phone number to reach a human. Phone hangs up on you if you wait. Corporate office refers to number that hangs up on you. No way to contact except postal mail, in which no one responds. Yet, they have control over financial information that may or may not be correct.

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 2015-06-09 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I signed up with Experian in order to receive a XXXX time credit report in the amount of {$1.00}. Upon signing up I box prompted if I would like a XXXX bureau report along with my FICO credit score. I checked that I did, but was not made aware that an additional charge of {$39.00} was going to be added. I received my credit report and moved on. Today I checked my bank account and there is a charge in the amount of {$21.00}. I checked with Experian who advised me that the charge was for a monthly monitoring service that I did not cancel within the trial period. I did not authorize the monthly monitoring nor was I made aware of the trial period that I needed to cancel this unwanted service in.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
someone has stolen my identity and opened several accounts in my name as well as federal taxes in XXXX XXXX and XXXX XXXX ec't as well as who knows what el 's i have been incarcerated in XXXX for the better part of XXXX up to XXXX XXXX XXXX XXXX jail XXXX XXXX XXXX Have not given no one permission to use my name whatsoever period I am a Victim of Identity Theft by all parties weather knowingly or not and will provide law enforcement anything to bring those involved to justice

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-05 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: VA

Complaint narrative:
There are items on my credit that I know are not mine. I also can not get a copy of my credit report from the XXXX major credit report sites because of the items that are not mine on my credit they can not prove that I am myself. I am in the process of mailing copies of my information to prove my identity to them so that I can receive a copy of my report from them. I did find that my local bank had the wrong social security number in their system for a credit card I have with them and that has been rectified. So, I do not know if that was the problem with my credit or not because of the variance of my social on my credit. The only reason why I know there are items on my credit that are not mine is because I went to the bank that I have a auto loan through to refinance it and they pulled up my report and pointed out the problems to me there. What other ways can I get this resolved? If it really is identity fraud and I report it to the credit bureaus what happens next? Should I file a police report at my local department?

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 2016-09-10 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: FL

Complaint narrative:
I went to the government XXXX site : XXXX and was able to get my report from XXXX and XXXX, but when I tried to pull the Experian report the site came back with this message : We 're sorry A condition exists that prevents Experian from being able to accept your request at this time. 
To obtain your Experian annual credit report, please mail your request to the address below using the XXXX Request form. 
XXXX XXXX. XXXX XXXX XXXX, GA XXXX A web search yields many people complaining about the same issue w/ Experian. Why is Experian allowed to get away with this when the other XXXX bureaus comply? 

The other thing is this : Why is there not a way to request the report via secure fax or upload-why would I want to send my personal information through the mail and labeled such that anyone looking at it along the way would instantly know what is in the envelope and would be tempted to steal it-this is a terrible way for Experian to treat people 's personal information. If they are not going to allow people to get their personal credit report through the XXXX website, then they at least ought to have a secure up-load mechanism that people can use to request the information instead of having to put it in the regular mail. Why do you allow 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 2016-04-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I have submitted these requests for corrections to my credit reports, Experian and XXXX, multiple times now and have yet to see any change. I have even spoken with the collection office and been told it is going to be fixed. I am tired of the run around from the creditor and the credit agencies, I just want it taken care of.

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 2015-06-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I submitted a dispute to Experian XXXX 2015 stating that my payment history for XXXX account number XXXX that was incorrect and supplied a copy of a letter from the credit granter XXXX sent to the Ohio Attorney General stating that the account was never reported as late. This letter was in response to a complaint to XXXX over my payment history that was being reported incorrectly. They state that they never have reported my account as XXXX days past due. after receiving my results from XXXX I called XXXX and they told me that they did NOT verify to XXXX anything. The lady then checked and said that they are reporting that I have never been late and that they can not control what and CRA puts in the report. I demand that XXXX correct the my credit report to reflect that I have never had a late payment like XXXX states in the letter, remove the account all together, or provide proof that they contacted XXXX and received a valid payment history. I demand that they provide who they contacted name and phone number so I can verify with the person that they verified it with since XXXX says they did not verify with them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-18 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:
I'v had some identify theft several years ago with the address of XXXX XXXX XXXX XXXX in XXXX, XXXX. I 've also had the wrong address of XXXX XXXX in XXXX, XXXX. I 've never lived at any of these addresses and I 've reported it on more then one ocassion. Also there are several phone numbers on my credit report that are n't mine. My phone number is XXXX.

Company public response: Company 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 reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have disputed this many times the credit burerau finally said they needed supporting documents, so I uploaded my 2009 Taxes return showing the XXXX owned be a return. They need to show this as a WITHDRAWN TAX LIEN!! NoT a RELEASED!! 

Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I revieved a notice on my credit reporting service ( Experian ) that I had a pending Inquiry. I looked into the XXXX inquiry and it was stemming from my previous apartment complex ( XXXX XXXX At XXXX XXXX ). The XXXX said that my account was closed and that I should not be hearing from XXXX. They also stated they do n't work with XXXX and sent my my final invoice showing XXXX balance. Experian opened a case on my behalf but XXXX would not agree to even though I have documentation showing a zero balance from The XXXX. Experian closed my case and stated that I should report to CFPB.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian is committing FRAUD and personal Discrimination acts against my personal credit File with an attempt to Reduce my Credit Score and cause me hardship with higher interest rate for being a Strong Advocate XXXX XXXX XXXX Consumer that 's fought back against the establishment. These XXXX are and have been reporting Collections Account information FRAUDULENTLY, below are the XXXX Fraud and erroneous account the XXXX are attempting to hold hostage on my account : 1. XXXX XXXX XXXX XXXX, this XXXX account was included in my bankruptcy account, Bankruptcy number XXXX, that 's been PAID IN FULL and discharged, but these XXXX Experian is still report this account on my credit file. I 've spoken with XXXX XXXX XXXX XXXX that they 've sent me and verbally spoken with me and assured me that they are not reporting this account with Experian and NO other XXXX 
Credit Reporting Agency. Again these XXXX are hindering my credit score and causing me to pay higher interest rates. 

2. Medical Collection, XXXX XXXX XXXX, Acct. # XXXX, this account was paid by the XXXX, I 'm a XXXX XXXX Veteran and I have the VA as my insurer, and I have XXXX, and XXXX XXXX as my medical Provider. I 've spoke with XXXX XXXX XXXX, I have a XXXX letter from them stating that they are not reporting not one XXXX thing to EXPERIAN, these XXXX ( EXPERIAN ) are falsifying and Committing Fraud against my credit file. I would like for the Consumer Financial Protection Bureau to call XXXX XXXX XXXX at XXXX and they will verify my concerns as being TRUE, I do not owe a XXXX penny to XXXX XXXX XXXX period, Account # XXXX. I 'm also contacting XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and an Social Security Beneficiary and the aging dept of the Justice Department civil rights division, these XXXX are playing with me as an XXXX XXXX American Consumer! Enough is Enough 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
Consumer complaint received 2015-08-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Called XXXX and the associate told me that as far as she can see all my payments are made on time and are current. The date on my bank online credit monitor says date last reported as XX/XX/2015 and stated that I have 1- 30 day late which is this month she should see something. Also this account has autopay which would also make this impossible. She said that She could give me copies of statements but could not transfer my call or other wise resolve the dispute. My Phone is XXXX email XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-23 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
On XXXX XXXX 2015 i contacted Experian 's dispute department. I explained that I need to have the statement about calling me to verify new accounts before they are opened removed, because the telephone number on there is not a valid number any more. I was sent a confirmation email with a report number ( XXXX ) and Investigation ID XXXX. The email told me to wait four days for my credit report to be updated and corrected. I contacted them again a few weeks later and received a letter of notification in the mail stating that the statement was deleted. When I contacted XXXX on XXXX XXXX, I was told that the statement is still there and I could not open an account unless I could be contacted at the number on my credit report, which is a number I have not had for years. I called Experian for a third time on XXXX XXXX and was told they would look into it and contact me by Thursday, XXXX XXXX. I still have n't heard anything.

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