vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have called and faxed Experian stating they are not reporting my mortgage and XXXX XXXX XXXX credit card that I have, they are the only credit reporting company out of the XXXX credit bureaus not reporting those XXXX trade lines. It has hurt my credit scores. I want them to report them, I called XXXX XXXX XXXX and XXXX bank and they stated they report to all XXXX of them and its an issue on Experian side. Please add these trade lines. I attached my credit report and my XXXX XXXX XXXX 2016 interest statement as proof. 

1 ) XXXX XXXX XXXX # XXXX 2 ) 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 2017-02-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have notice per credit report that XXXX XXXX reports that I owe XXXX for cellular services. I have never had an account with XXXX. They have not sent me any documents nor was I provided a contract with my signature or acknowledgement of 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 2015-03-31 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian is reporting information regarding XXXX BANK XXXX .... on my credit report, and their system refuses to let me re-dispute. No other CRA is reporting it, only Experian. Creditor 's statement : Account transferred to another lender, and Experian refuses to investigate the name of that lender. Moreover, I have no knowledge of the account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20 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 credit bureau reinserted the XXXX account back on my credit report after it was already deleted. The account is not mine and needs to be deleted from my 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 explanation
Consumer complaint received 2016-02-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Upon reviewing my report. XXXX XXXX XXXX falsely stated the term and payment for the mortgage to the Experian credit bureau. the mortgage servicer falsely state the term of 46years incorrect it is 40 year mortgage. It was reported that as of XXXX 2014 the loan was current that is a false statement. the loan was in default past due by 180 days. I have maild and fax doc proof. For this reason the items are to be remove from my 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 explanation
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: NM

Complaint narrative:
Experian is not responding to my requests to investigate, verify and remove accounts from my credit report that do not belong to me per The Fair Credit Reporting Act.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is reporting a late they say one month old and I have no recent lates they are blocking my ability to dispute on line or via telephone requiring me to order a report via us mail then to dispute in which could take 60 90 days to correct their mistake which is costing me credit approvals as again my score reflects a late when there is none

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 2017-03-08 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian continues to place security alerts on my credit report. I did not request these alerts to be added to my Experian credit file. I have requested Experian to remove these alerts on XXXX occasions but the security alert still remains. I have attached a copy of my identification to this complaint. I would appreciate your assistance in helping me to get this alert removed from my Experian report. 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 2015-10-26 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 asked Experian for validation of XXXX items on XXXX/XXXX/2015 : XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXXThey could not provide verification of the validity of these debts. XXXX XXXX XXXX was equally unable to provide proof of my owning this debt. I followed up with Experian asking for removal of the incorrect tradelines. I provided copies of all correspondence and proof of receipts. Other credit reporting agencies have removed the offending items and I would like Experian to follow suite .

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian continues to report an incorrect item on my credit report. There is a lien on my credit report for a XXXX XXXX account from 2010. On the same credit report page XXXX, you can find my XXXX XXXX account histories and they are always paid on time, never late. Account closed at consumer request. 
Even after disputing this item twice and pointing them to their own information on my credit report, Experian refuses to remove the fraudulent item on my credit report. This is now impacting my ability to buy a home. 
Can you help me resolve this issue?

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: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XXXX let someone else open a credit card under my name XX/XX/2017 without any hard inquiries in advance, all of XXXX credit reporting bureau ( Experian, XXXX, XXXX ) are failed to inquire me about this case even despite I put 90 day fraud alerts XX/XX/2017. After I read about XXXX online, I know apparently they are infamous for doing something like this. Since they are hard to reach when it comes to inquiries regarding dispute ( no phone number provided ), I need help with disputing this account.

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 2017-01-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have filed a dispute 3 times with Experian to get removed a collection account that has reached the federal statue of limitation. The original invoice stopped being paid on 2002, but is being reported on my credit report as a collection account with XXXX, XXXX XXXX XXXX. The federal statue of limitation has run out twice before the collection company even got the account. It should not be reporting on my credit report. Each time I dispute it comes back as verified. However, the debt has been re-aged in order to show up 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 explanation
Consumer complaint received 2015-04-18 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: CA

Complaint narrative:
I applied for a car loan through my employer XXXX on XXXX/XXXX/2015, I was declined because of my experian credit score which showed XXXX. Through Credit Trackers and my XXXX XXXX card I am able to constantly view all three repositories which show XXXX at XXXX XXXX XXXX & Experian XXXX therefore, my average score given was XXXX. There has been no alert to me which shows any adverse action which would lower my score and XXXX could not explain, I contacted Experian who requested that I pay a fee in order to view my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did a dispute on a company on my credit with information showing it was a false report and they failed to respond to credit reported from XXXX for a XXXX housing authority she sent proof as well it was false reporting they failed to respond to me with in 30 days they said they sent it to my email but when I went to email and clicked on there link I was blocked from my account to check status then I called and they said I had to send originals of birth certificate and drivers license to prove identity I said not even so they said the can not release my account to check status not a copy an original This is the information showing all transaction took place as of XX/XX/2016 and we were moved out by the end of are 30 day noted and the credit reporting agency said ok but they did not contact company or respond to me so I called them and said they did not respond to me within 30 days and they said they didnt care and hung up on me 8 times. 
Then they sent it to the special handling unit and the man refuses to return calls or respond to the problem when I do get him on the phone he gets my name then hangs up he is the man in special handlings unite assigned to my account when they added a fraud alert I did not request. 
And when I sent the information showing it was false reporting same as what I attached to this complaint they sent it back and said the can not use this information so they are returning it 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 2016-03-31 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:
EXPERIAN Complaint dated XXXX XXXX, 2016 ; Experian failed to respond to XXXX XXXX XXXX ( XXXX ) reporting FRAUD on my credit reports. Similar complaints sent to XXXX and XXXX. Both Equifax and XXXX have removed XXXX from my credit reports. 
My experience with Experian has been total abuse and refusal to investigate my complaints. And/or to reinvestigate. In that both XXXX and XXXX have taken action on reinvestigations, obviously Experian fails to see the logic of the FRAUDULENT reporting. 
XXXX has been approached and also refuses to correct or remove my 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 2016-11-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have been an identity theft victim since my birth certificate and personal information was stolen in XXXX. I have tried tirelessly to get the information corrected since, most of the credit bureaus have corrected my personal information except Experian. On XXXX XXXX, XXXX ; contacted them to dispute again personal information that is related to my identity theft issues. I continuously disputed addresses and name spellings only to be told that Experian is refusing to dispute or remove the information that is incorrect because it was associated with a reported account that was opened or application that was submitted with incorrect information. Experian has been the most difficult in correcting my personal and credit information and I am contemplating legal action for FCRA violations.

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 2016-08-29 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have disputed an account on my credit report. The results came back as verified but they do n't want to remove ( The remark with it says consumer dispute ) Even though the dispute is over.

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 2015-06-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Account listed XXXX under XXXX different account numbers. Mortgage servicing transferred between XXXX companies but only XXXX loan. Experian refused to correct and when I tried to upload documentation (included here) Experian placed a block on me so I could not. The XXXX date of delinquency was XX/XX/XXXX and the account fell off all XXXX reporting agencies by XX/XX/XXXX. Unfortunately the duplicate account is still present on the Experian report. By phone on XX/XX/2015 I spoked with (XXXXTeam Specialist) for Experian (would not give me any more identification) informed me that it is my job to verify the data with the creditor and to give Experian the name and number of who I talked to and they would follow up. I informed him that I wanted to know who Experian talked to for validation of my data and XXXX informed me that they did not have that information and was not required to have it. I asked him if the verification was done by automated response and he could not answered. I have enclosed the documents I was unable to upload through Experian below to validate my claim and hopefully get my Experian credit report to show accurate information. I have included a more detailed version of events below. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-31 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:
incorrect information submitted on my personal credit report, supplied proof to credit bureau experian who continues to refuse to update or delete the incorrect information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-06 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:
This is a dispute pertaining to multiple inaccurate late payments reporting after account was charged-off closed XXXX/XXXX/2011. I disputed with Experian and included a portion of my XXXX credit report but the inaccurate infor- matiion was verified. The creditor has stated that these differences on XXXX Experian report should be disputed with Experian. I did so but was not successful in having this inaccurate, injurious info deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
A tax lien appeared on my credit report and I disputed this information, the credit bureau ( Experian ) stated they investigated the dispute and the information was verified and remained on my report, however I contacted the local Clerk of Courts office and they could not initially find anything and then was able to locate something which was from XXXX, in XXXX I paid all outstanding business taxes and received a letter ( provided to Experian ), neither the Louisiana XXXX or XXXX office is claiming to have provided this information to the credit agency ; so I 'm not sure who they verified this information with, this lien would have been part of re-aging, since the lien was reported in XXXX ( 16 years ago ) ; this information needs to be removed from my record, as I 'm told this debt is written off and the credit agency is indicating this debt to be current as of XXXX, which is incorrect, and has caused me issues with getting a loan. Also, I have never lived in XXXX, LA -- -this also showed up on the report at the same time as the lien.

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 2017-02-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian is reporting XXXX incorrect addresses. This is not or never have been my addresses. Please remove the following addresses, immediately : XXXX and 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 non-monetary relief
Consumer complaint received 2016-05-24 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My car was broken into in XXXX XXXX. All my luggage and personal belongings were taken from my vehicle. All my clothes, passport, birth certificate, and social security card were stolen. I called the XXXX XXXX police dept and reported everything stolen. Just need to freeze 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 2015-11-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
I have allot of inquires on my credit report because i was shopping for an auto loan i feel they need to be lumped together but they never where and its impacting me in a negative way.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
XXXX XXXX - Multiple unauthorized/fraudulent charges were placed on my Citi Best Buy Visa card ( ending in XXXX ). The largest was for {$500.00} at XXXX XXXX # XXXX, reference number XXXX. 
XXXX XXXX - I received a text message from Citi inquiring about the {$500.00} charge from XXXX XXXX. I immediately called customer service and was informed of this as well as XXXX other unauthorized charges ; I indicated that these were unauthorized/fraudulent charges. I was assured at this time that I would not be held responsible for the charges and that my account would be closed and XXXX with a new account number opened. I indicated that I just wanted them to close my account permanently. 
XXXX XXXX - I logged into my account online and saw that not only had a new account ( ending in XXXX ) been opened in my name, but a {$500.00} balance had been placed onto it as a transfer from the original account ( ending in XXXX ). I called customer service immediately to inquire and was informed that this amount would be under investigation and a resolution could take 60-90 days ; additionally, the fraud department was closed and no further information could be provided. 
XXXX XXXX - I called customer service and was transferred to the fraud department. I explained the situation once again, reiterated that I wanted the account closed, and further reiterated that I wanted this balance removed from my account. The representative indicated that she 'd transfer the balance back to the old account, where it would stay while the amount was under dispute. The resolution could take 60-90 days on their end and possibly longer on the merchant 's end. I said I found this unacceptable but asked if my account was at risk of being placed into collections. I was told " I do n't think so. '' This is completely unacceptable. 
XXXX XXXX - I again spoke with Citi customer service, the agent of which spoke with the fraud department. I was told that the process was n't properly explained and that the {$500.00} balance was in the process of being removed from my card. 
XXXX XXXX - I logged into my account online and saw that the {$500.00} balance had been transferred from the new card ( ending in XXXX ) to the old card ( ending in XXXX ). The end result being that I still have a {$500.00} unauthorized/fraudulent charge sitting on an account associated with my name. This is even more frustrating because XXXX other unauthorized charges which apparently occurred at the same time have already been removed from my account. Even worse, the old account now has a payment due of {$25.00}. All throughout the process I was assured I would n't have to pay on the amount in dispute, yet here they are trying to bill me for it.

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