vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Home foreclosed upon in XX/XX/XXXX Settlement received for improper foreclosure in XX/XX/XXXX Credit report not reflecting improper foreclosure.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
on XX/XX/XXXX application for a loan was submitted to XXXX a credit report was provided by Experian with a FICO XXXX score of XXXX reported back However this is a major difference in the score that is published on the web site. Experian web site for which I am charged a monthly fee for monitoring my credit reported a XXXX score of XXXX. I feel that this is a the very lest is false advertising and also hurt the possibility of me obtaining the lower interest rate. I also obtained my report from XXXX and XXXX each of these reported a FICO XXXX score of XXXX and XXXX. I would like an explanation of how a difference of over a XXXX points and be reported to a lending company and not reflect on the web 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 2016-07-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
After the dispute the creditor has instructed the major credit reporting agencies to delete this account from my credit files and I request assistance from the CFPB to ensure that this is completed.

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 2017-03-31 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
they removed this info. from my credit report without my permission which is in good standards.

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 2015-08-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I was scammed by the XXXX into an ARM loan for my home ( XXXX was sued and went out of business ). Since then I tried to refinance into a fixed loan through several banks that all had terms I did n't want ( like money out options ). Later I found out that the main XXXX credit reporting companies ( Experian, XXXX and XXXX ) were lowering my score each time I applied for a loan and reported delinquencies that do not exist ). I want them investigated and prosecuted. XXXX refinance company ( XXXX ) even went through with the loan application after I told them I was going to sell the home. I then received a rejection by their bank ( XXXX XXXX ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I provided a case dismissed report for this XXXX account to the credit reporting agency and they still refuse to remove the item from my credit report, it is also listed as a collection account for XXXX XXXX XXXX, Complaint Status : DISMISSED ( RULE XXXX ) Status Date : XXXX/XXXX/XXXXFiling Date:XXXX/XXXX/XXXXAmount $ XXXXXXXXLast Activity Date:XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have a mixed file on my credit file 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 2016-08-29 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:
My credit report contains 90 % false information. the only accurate report is my Auto loan from XXXX. 

I have an identity theft problem since 2013, and ca n't seem it get the accounts 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 2016-02-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Contacted Experian after getting a credit report from XXXX XXXX showing my Social Security Number for only their credit reporting agency was completely wrong. This caused a lot of negative reporting items to show up on my credit report and is keeping me from closing my loan. I sent proof of social security and my identification as well as a form from the social security administration. They claimed it would be taken care of immediately. I have been trying to get it resolved since XX/XX/XXXX. My loan is clear to close and still it has not changed with Experian and I am not able to close my loan. this is causing me financial distress. I have called in to Experian and have had my loan officer as well and each time they claim it will be fixed. When I asked them to send me proof its been changed they tell me they will send it and never do. I need this resolved right away!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This dispute is in regards to Experian 's reporting of a late payment on my account from XXXX XXXX. XXXX Bank acknowledges now that my account was never late due to an address change, following which they failed to send the statement to me. I have disputed this late payment with all XXXX credit bureaus already, XXXX of which have removed the item from my report. However, this incorrect information has not been removed by Experian, and I have not been able to contact anyone via the phone for assistance. The information has been corrected already with XXXX and XXXX and I expect the negative information to be removed from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Reporter to credit agency is XXXX. They inaccurately report rental property addresses on property that I own to be personal residences of mine. Makes me look like I have lived in XXXX different places, many times simultaneously. Have tried to dispute with Experian, and update failed to address the disputes. possible XXXX issue is XXXX reporting utility billings as loans, where credit limit is {$0.00} and balances are listed as greater than loan limit. 
At this time, these uncorrected errors are costing me thousands of dollars per year in property insurance costs as insurance companies ( XXXX and XXXX XXXX ) have begun incorporating credit score into premium rates.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
i had a business and it went bankrupt. I was sued and settled the debt and received a release, which was filed with the courts. The credit bureaus will not remove the judgement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX DOB XXXX/XXXX/XXXX Please be advised that this is my SEVENTH WRITTEN REQUEST I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 
Name of Account : Account Number : Provide Physical Proof of Verification!!!!!!!!!! 
The following unauthorized inquires are to be removed from my credit profile XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX My ID via drivers license is attached

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 2016-02-26 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: CA

Complaint narrative:
It seems like they want to make money, ( they being Experian, XXXX, XXXX ), and do not reveal the credit score without a payment. Additionally, they offer options for disputing incorrect information, adding them to a cart ( beyond archaic from a technology standpoint ), and then tell you they ca n't dispute them -- more roadblocks to people learning what is being kept about them on file. Lastly, one offered all the ability to dispute, and once clicking on that action, it locked the account and said I now need to call a number, undoubtedly a maze of deflection of lack of staffing a call center. I work in technology and can tell you this is not only a ridiculously inept implementation of an online service, but so much so that it feels deliberate, and only something a monopoly or someone with guaranteed business can get away with. As a company in charge of incredibly personal information, this is entirely negligent and careless, and additionally, opportunistic where it should only act as an agency of record. None of them should be allowed to handle such information, or be able to operate in this country.

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 2016-12-15 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 a hospital bill from XX/XX/2016 that my insurance for some reason would not cover. I was not properly notified of this due to change of address, so the bills did not reach me. My credit score just dropped from a XXXX to a XXXX. I never had a problem with resolving the bill before it reached this point, had I been properly notified. Also the balance amount of the account is {$780.00}, not {$790.00} as the collection agency reports. I would like this removed from my credit report as soon as possible. I have never missed a payment or not paid a bill. I am trying to buy a house and this drastically affects me in a negative way. thank you Old address XXXX XXXX, NJ XXXX New address XXXX XXXX, NJ 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 2016-03-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, is not my debt. I have spent countless hours and dollars seeking a resolve. The initial police report was filed in XX/XX/XXXX, since that time XXXX more reports have been filed. It appears when my information was stolen those persons secured debt via loans and health care services in my name. I have attached the report filed in XX/XX/XXXX. The persons are still using my information, as it related to one of the theft incidents ; XXXX County has made XXXX arrest. The XXXX County Police Department has advised me to contact you again, along with the social security XXXX, all bureaus, govern entities, and the Consumer Financial Protection Bureau. The items listed should be blocked and deleted : Delete the information reported by XXXX XXXX XXXX, ref number 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 2015-05-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
1. I have been un-successfully trying to submit a dispute for all XXXX XXXX union auto loans as agreed to by XXXX in the attached e-mail. Also the history records, and the entries need to be taken out of " potentially negative '' results. There are XXXX separate accounts 2. I have been unsuccessfully trying to get removed the XXXX account, " recovery '' item also agreed to by XXXX to remove in the attached e-mail Thank you for your help XXXX XXXX DOB : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX e-mail : XXXX phone : XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Good Morning, For the last 2 years Experian, XXXX, and XXXX has deliberately and constantly attempting to destroy my financial well being. I 've contacted them over and over again to get the matter resolved they would delete then reinsert items thats not mine consistently. On top of that speaking on the phone to the reps they are very rude and judgmental as if I 'm a criminal when in actuality I 'm the victim of Identity Theft. I did more research about credit reports i would be an educated consumer via the FCRA and I also come to realized that even the fraudulent accounts they ( all bureaus ) allowed charge off accounts to report balances and re-ages which is a blatant violation of the FCRA. Please I just want some help to restore my life. Just want the bureaus to be fair 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 non-monetary relief
Consumer complaint received 2015-07-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Dear CFPB, I have tried to access my credit recently and was denied because EXPERIAN continues to report falsely a judgment item that the entity XXXX, XXXX did not validate as due and owing to I, XXXX XXXX XXXX. The item was deleted and then inserted back in by EXPERIAN.The entity XXXX, XXXX never responded to my complaint I made to my XXXX of NJ and EXPERIAN continues to report the item falsely hurting my creditworthiness.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Experian credit bureau has failed to properly notify me of the results of my past dispute placed over 30 days ago. I disputed a delinquent/charge off XXXX XXXX account. This account is past the seven year when the account reported it first delinquency.

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 2016-08-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I was cosigning for my son 's college loan and was declined. My credit score has between XXXX for 20 years. requested a credit report & found XXXX delinquent payments to XXXX. Have n't been with XXXX for two years switched to XXXX. When I called XXXX they said it was for an address in Ohio. My inlaws who were part of my friends and family network. They switched to XXXX 4 months ago and have problems getting XXXX to close their account. evidently the account went to collection. I was never contact by the collections company. My sister inlaw has been trying to get a copy of the bill but the collections company does n't have access, finally yesterday XXXX/XXXX/XXXX I called XXXX with her account number and they said they would send her a bill. She received it electronically and paid it and said she would work with XXXX to get reimbursed. For at least 15 years my inlaws had XXXX i had no idea I was anything more than part of the friends and family network. I called the collections agency who said they never sent anything to my address since that wasnt ' the address for the account. When I gave the account number to XXXX XXXX at XXXX collection she said the account had been paid in full and she gave me XXXX approval codes. She advised me to contact XXXX Recovery Dept. and give them these approval codes ( XXXX and XXXX ). Sue told me she could n't take the delinquencies off of my credit report but that verizon could do it. I 've spent more than 4 hours speaking with various people or waiting on hold with verizon. The last women XXXX while very apologetic said there is nothing she can do. she said that these would stay on my credit report until XXXX which I told her was ridiculous. I 'm contacting you asking for help, please look at my credit report you 'll see that i 've always paid my bills ontime and have had good credit. I 'm not sure if this is the right approach but am just looking for help. 
Thanks you for helping me. 
Regards, XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, WA 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
Consumer complaint received 2016-08-31 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:
I have unauthorized credit inquiries on my Experian Credit report Experian XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX and XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX 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 2015-11-24 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Esperian Credit Reporting has continually reported false and negative information pertaining to a loan at XXXX XXXX XXXX XXXX California. They show wording s foreclosure started. XXXX XXXX XXXX which realized this was to be removed has put that in writing to CPB and Esperian to remove this from my record. This was a bad loan from the beginning as stated by The California Department Of Justice. The real issue is the failure to perform by Esperian.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Filing CFPB complaint on Experian. Experian is currently reporting an account in my file called : XXXX XXXX XXXX # XXXX. The original creditor is XXXX. This account is in collections but I was not informed by the original creditor ( XXXX ) that it had gone into collection and had no idea until I noticed it on my Experian credit report. I dispute this account 's information and feel that its record keeping and documentation of payments is so excessively bad and demonstrably inaccurate so as to be unverifiable. I am attaching a copy of my report with the disputed account information circled for you convenience. 

If you open the report and scroll down to page XXXX, you will see the account named XXXX XXXX XXXX # XXXX ... I had been making timely payments double the amount required for many months until I learned that they were not crediting the payments I made to the account. You ca n't see many months of the payments that I made because the data is not in the report and it makes no mention of the months that I had the account prior to XXXX XXXX, 2014. 

Therefore, I dispute the reporting of this account in its entirety. I believe it is not fair for Experian to continue to publish credit data which is damaging to my overall credit history when that data is evidently inaccurate. If anyone at Experian was doing their job, they would have noticed a payment date of XXXX XXXX is listed no less than 8 times. The first time XXXX XXXX is given as the payment date, it shows my payment of {$300.00}. Then, the subsequent 7 times, it says I made no payment on XXXX XXXX. 

This data furnisher 's record keeping is questionable at best and Experian is required ( by the FCRA ) to delete information they are reporting which they know ( or have reason to believe ) is erroneous and it clearly is in this case.

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