vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-27 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 disputed that this account that I am no longer an authorized user on this account as of XXXX/XXXX/2016 and it does not belong to me. I requested to delete the account. My investigation results did not remove the account and instead your company kept the account on my credit profile. 
I recently pulled a copy of my credit report and found that you are reporting the following account on my credit report that should be removed immediately. At one time I was an " Authorized User '', however, I requested to be removed as an authorized user on XXXX/XXXX/2016. 
Creditor : XXXX Account Number : XXXX .... 
Per the Fair Credit Reporting Act, if I am not a joint owner, or co-signer of an account it should not be reported on my credit profile. I am requesting that you contact the creditor to confirm that I am not an owner of this account and that I am no longer an authorized user, and remove it from my report as soon as possible. 
I look forward to receiving a copy of my corrected credit report. 
Thank you for your help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-08 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I registered for the consumer opt out prescreen at XXXXon XX/XX/XXXX. I recently have had some trouble accessing my freeExperian credit report and as a result I have confirmed that my Experiancredit file had not been placed under the opt out screen. I have calledExperian and asked to be placed on the opt out screen list / register thismonth of XX/XX/XXXX. I will follow up with them for compliance as itseems they have failed to comply with my first request from last year.

Company public response: Company 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: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Associates, Inc. (MO)
State: MT

Complaint narrative:
The bill that the XXXX is trying to collect is for services that I did not authorize. The animal shelter in XXXX MT took an injured cat to the XXXX. The XXXX chose to due major XXXX on their own accord and at their own expense on this cat they assumed to be a stray. Well after the XXXX was done it was discovered that it was my cat and they want me to pay this bill and have turned this into Credit Associates for collection. I did not authorize these services, especially XXXX for {$980.00} I was not even aware of the services until after the fact. The collection law firm that represents Credit Associates, XXXX, refused to take the account as it is not a valid collectible debt. However Credit Associates still reports this collection on my credit report. I have disputed this account previously however they refuse to remove the reporting.

Company response to consumer: Closed
Consumer complaint received 2016-12-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I completed and signed a foreclosure settlement with XXXX XXXX XXXX on a property through my attorney on XXXX/XXXX/XXXX. Shortly after, another lender I do not know and never had any dealings with named " XXXX XXXX XXXX '' began sending me default notices and late payment bills after the settlement agreement was recorded on XXXX XXXX. I was never able to get in touch with XXXX or find out how they are involved. Since then, my credit report shows both " late payments '' and " foreclosure '' listed under also XXXX XXXX management, in addition to the late payments listed for XXXX, with identical origination dates. In other words, the settled debt it is now listed as duplicate on my report -- once as XXXX and again as the XXXX company who I 've never had dealings with. After many letters to all XXXX Credit reporting agencies requesting verification, I was successful in removing XXXX entry from the XXXX CRA back on XXXX XXXX. Unfortunately after repeated requests to investigate, incorrect information remains unchanged on both my Experian and XXXX reports and neither CRA has given me documentation of any debt owed to this XXXX company. I have attached my foreclosure agreement I signed XXXX/XXXX/XXXX and also credit reports of Experian and XXXX showing the incorrect XXXX entries on 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 2015-07-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I had a XXXX at XXXX I could not pay XXXX all at once so I called and set up payments of XXXX a month which I have payed since 2012 I have not missed a payment. They send me a statement from XXXX each month showing how much I owe and thanking me for honoring my financial obligation, further stating since these arrangements were made for my convenience we ask you be promt and call if you ca n't. I am promt but they have reported this dept. My account is XXXX I pay this per my agreement and continue to pay each month I would like this removed from my credit report. I would understand if I did not pay the bill but I am paying.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
My XXXX XXXX XXXX account went late the first time in XXXX XXXX. The account has been paid in full. Therefore, it should not be reporting on my credit report. It is XXXX XXXX. According to the Fair Credit Reporting Act " Late payments remain seven years from the original delinquency date. A single late payment is deleted at seven years. If there was a series of late payments ( not paid at 30 days, or 60 days, or 90 days ) and then brought current, the payments would be deleted seven years from the first one missed in the series. ''

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 2015-06-16 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
do not receive timely credit alertsdo not receive fico credit score increase after significantly reducing credit debt usage ( paid XXXX credit card acts down significantly ) XXXX acts were : XXXX credit card on XX/XX/XXXXthXXXX XXXX credit card ( XXXX ) on XXXX XXXX and XXXX XXXX was informed my the fico credit score dept that my fico score would n't increase anymore past current score of XXXX due to my past negative acctsI adamantly disputed!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-07 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In XX/XX/XXXX, I had XXXX XXXX Account. I requested the account to be closed after my final payment on or about XX/XX/XXXX. When I pulled my credit report last year, I was shocked to notice that only was the account not closed, but there were XXXX XXXX Accounts listed. Both of these accounts were sent to collections with balances owing. I tried to contact XXXX and they told me that they transferred the accounts to XXXX XXXX and then purged their files. I called XXXX XXXX and they informed me that they did not have any record of these accounts at all. They told me to contact the credit bureaus. With the help of the XXXX the collection companyacknowledged the error and agreed removed all XXXX negative tradelines on my credit reports. XXXX and XXXX removed the items immediately, however Experian still lists the innaccurate information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
All items on report are not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-18 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
my personal information was used to obtain XXXX platinum card, the card was never issued. I contacted both XXXX as well as Experian credit reporting agency to delete the credit inquiery from my Experian file but so far nothing has been done, I also forwarded Experian with the police report but no action has been taken by Experian to remove the inquiery from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I short saled my house last year located in XXXX, Florida.However, the reporting agency listed the short sale as a foreclosure. I attached the HUD statement and the deficiency letter issued to me by the bank as proof.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
i disputed XXXX public records on my credit file with experian, XXXX district XXXX, XXXX co XXXX, XXXX, XXXX, XXXX, experian verified the information, experian said if i had questions contact the courthouse, so i contacted them the lady i spoke too said they dont verify anything with the credit bureaus, so experian didnt do a real investigation, thats fcra violation and the accoutns should be removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I requested Experian to validate/remove a discharged bankruptcy on my credit file. They refused to do so and advised me that this is public record from the bankruptcy. I in turn reached out to the Bankruptcy court here in Michigan and was advised that they do not report to any of the credit bureaus. I certified mailed a copy of that letter to Experian and they have yet to remove this information from my file. As per the Fair Credit Reporting Act section 623 ( a ) ( 3 ) Experian refuses to investigate.

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 2016-08-17 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:
I am victim of identity theft. An unknown person has been using my information to obtain credit. I notified Experian of this, as well as the furnisher of information, XXXX XXXX. I obtained an identity theft report from the XXXX XXXX Police Department as Experian instructed me to do. I sent a copy of this report to Experian as well as XXXX XXXX. The account was removed from my credit report in XXXX XXXX, then it was added back to my credit report in XXXX XXXX. I was never notified by the credit bureaus of the reinsertion as required under the FCRA. I have disputed this fraudulent account numerous times since then and Experian is claiming to verify the account. I am not liable for this account because I did n't apply for it and it is a result of identity theft. Experian is violating FCRA 605 B and I am considering court action.

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 2016-11-22 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: MT

Complaint narrative:
Please be advised i have written XXXX letters to Experian asking them to delete accounts that are unverified. 
Despite XXXX written requests, the unverified items still remain on my credit report in violation of Federal Law. My understanding is, the FCRA requries them to have a copy of the original creditor documentation on file to verify that the information is mine and correct. In the results of thier first investigation and subsequent reinvestigations they stated in writing that they verified that the items are being reported correctly and that they will no longer investigate my accounts that I asked them to delete, if they are unverified. ( I listed what accounts they were. ) They have not provided me information who verified these accounts, they have not provided me a copy of ANY original documentation- ( a consumer contract with my signature on it ) as required unnder Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. 

I have listed the accounts that I asked to get verified multiple times, in XXXX different letters, and they refuse to delete the accounts or provide me any method of verification, or my signature. I believe they are violating my Civil Rights! 
The accounts they refuse to remove are XXXX, and 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 2016-04-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX addresses reported on my report are incorrect, I have never lived at either XXXX XXXX XXXX XXXX in XXXX, Tx. or XXXX XXXX XXXX XXXX in XXXX, Tx.. I would appreciate these entries being removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have XXXX accounts reporting on my credit report as delinquent -- XXXX from XXXX 's and the other from XXXX XXXX. I have disputed these accounts multiple times, but they nevertheless have not been corrected. 
The XXXX 's account does not belong to me. I have never had an account with XXXX 's. The account was opened in XXXX 2016, and apparently was never paid. The notation indicates it was charged off. I have also contacted XXXX 's advising them that this is a fraudulent account. 
There are also XXXX currently open XXXX XXXX accounts -- XXXX with a zero balance and XXXX with an approximately {$1600.00} balance. I disputed these accounts due to not recognizing them. While the matter was in dispute, XXXX XXXX reported these accounts as delinquent. I disputed each XXXX XXXX or five times over the past six months. Once I finally received verification from XXXX XXXX, I quickly paid both accounts. However, they are still reflecting past due payments. I was under the impression that creditors were not permitted to report an account delinquent while it is in dispute, and once the dispute is resolved, the creditor must give the cardholder an opportunity to make payment before reporting the account delinquent. The person 's name I was dealing with at XXXX XXXX is XXXX XXXX. Her number is XXXX ext 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 2017-03-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I paid my XXXX account in full on XX/XX/2017 and I 've submitted documentation to all XXXX credit bureaus and they refuse to change the status of my report or remove the item completely from my report. Also I 've filed some disputes but they have seem to have lost them?

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 2015-06-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I wrote the credit bureaus and explained the late pays were incorrect. They did not change them. 
Attached are bank statement copies for each month reporting late for XXXX showing I paid on time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-08 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
A few months ago I ended up filing some disputes because there was incorrect and incomplete information on my credit report. So I prepared a nice letter and sent it with a copy of my driver 's license, proof of my social security number and proof of my mailing address so that Experian would be able to verify my identity. 
It has been at least 2 months since I mailed my letter and I have n't heard back. When I try calling their XXXX number they want a report number before I speak with an agent and since I do n't have XXXX I ca n't speak to anyone. 
I thought that the credit companies had to respond back to me within 30 days otherwise they are supposed to remove things from my credit report?! 
Well it 's been way more than 30 days and all of the stuff I disputed is still there. I know I can go online and buy a credit monitoring service and try to dispute things online but I thought that Experian is supposed to help me for free! 
I 'm at the point where I 'm done wasting time and need to get this fixed immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Because I filed bankruptcy and included the derogatory items are already in with the bankruptcy they are shown twice in different areas and should be removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20 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 noticed on my credit report that it shows I have applied for credit accounts and cards. I have not applied for any credit in more than ten years. I have not authorized anyone to view my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-16 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I sent experian credit reporting agency evidence that the mortgage has been paid on time back in XXXX they are refusing to remove it from my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30 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: AL

Complaint narrative:
I went to the social security site to advise of my change in address. The site would not accept my change due to loans and a mortgage which they say is on my account. I do not have loans or a mortgage. I could not get a credit report because they say I have loans and a mortgage which I do not have. I sent a request form to a credit report company requesting my report ; they say it will be weeks before I receive it. I do n't know if someone made a mistake or if someone is using my social security number.

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