vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I stop paying my mortgage so that i can become illegible for mortgage reduction for a couple of months and that was about XXXX or XXXX, however i have trying contacting the bank and no resolution, except they say it takes seven to remove any negative report. I would like this report removed because i am never late and would like to try and pay off my mortgage in 15 years instead of 30 years but this negative report is in the way.

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 2016-09-22 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian is taking too long to respond. My husband and I requested an investigation of some of our credit accounts back XX/XX/XXXX. To date, we have not received any response from Experian. We do n't know why its taking so long.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
On XXXX/XXXX/2016 I, in writing and fax to Experian requested them to update my personal information to my current address to XXXX XXXX XXXX, XXXX XXXX, CO XXXX. I requested Experian to remove all the other addresses off my report. They are not correct. They have failed to do so! 
Furthermore, I enclosed my Social Security Card, Passport, and Proof of Residence with my request.

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 2016-11-08 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:
Invoice # XXXX from XXXX XXXX XXXX XXXX, Fl XXXX Date of service XX/XX/XXXX All XXXX bureaus are reporting this account as open. 
This account was paid off XX/XX/XXXX by credit card ending XXXX The address this statement was sent to was XXXX XXXX XXXX, Fl XXXX I have since moved, my new address is XXXX XXXX XXXX, FL XXXX Please help me with this so my correct information will be posted to my credit report. Each bureau states this account is being disputed. But none of them are showing the account as being paid. 
Thank You 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 2016-09-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I discovered that XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MI, has a collection of {$640.00} on my credit report. I telephoned the company and was informed the collection that they submitted was not submitted under my social security number. However, the collection appears on 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 non-monetary relief
Consumer complaint received 2016-12-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian continues to allow XXXX XXXX and XXXX Bank/XXXX to report incorrect information on my credit report. I filed for Chapter XXXX Bk on XXXX XXXX, XXXX. I was then and continue to be under a XXXX. I am in a wage-earner plan and have made all payment. This company continues to report incorrect information, in addition to violate the XXXX XXXX XXXX. For example they recently reported my BK as XXXX XXXX, not so, XXXX XXXX and balances all incorrectly. I provided this information to Experian and Experian continues to allow this creditor to do so. At the time of my BK filing I was never late nor behind in payments. Under the XXXX XXXX the creditors are to report the balance XXXX and payment XXXX unless they are received payment by way of the court trustee

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 2015-04-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I have been making payments to XXXX ( XXXX ) to : XXXX- XXXX accounts- XXXX should be XXXX\These accounts are showing XXXX days late

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is still listing an account that is past the 7 year reporting period. 
XXXX XXXX XXXX, account number XXXX. 
I have attached a copy of my Experian report showing this account. Please note the STATUS DETAILS where it states : This account is scheduled to continue on record until XX/XX/2017

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 2016-08-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Hello good afternoon I have reviewed my credit report from Experian as of today XXXX XXXX, 2016 I 've noticed that there is a reinserted deleted account from : XXXX company This account has been deleted previously from my experience credit report by law they can reinsert the collection account into my report they have n't gave me any notice about it They are breaking and violating too many laws from federal to collection protection act

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have not been able to move forward with the mortgage process due to dispute wording being on my credit report. The mortgage stated that any reference to an account being in dispute will halt the process of my mortgage. Two weeks ago, I sent a letter to Experian to remove the dispute wording on my credit report for XXXX creditors : XXXX XXXX XXXX accounts and XXXX XXXX accounts. Experian said it would take between 7 to 30 days to investigate. Today I was informed by Experian that they will not remove the dispute wording even though the accounts are no longer in dispute and I sent them letters that i no longer dispute the accounts.

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 2016-09-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Bank loan ( personal ) was transferred/bought out from a credit union, which we still pay monthly and it is showing up on my credit report as a charge off from 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 2015-12-10 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
On XXXX XXXX of 2015 I requested my Experian credit file frozen. 
I was told I would get a PIN # in the mail, but it never came. 
I am looking to refinance a mortgage now, but without the PIN I can not go online to temporarily unfreeze my records. 
I have tried repeatedly to call Experian, but I can not speak to a real person for help. Please contact me by phone/text, email or mail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
We signed the house deed over to XXXX XXXX XXXX in XXXX 2015. The loan account is still showing open and is continuing to be reported as delinquent. We do not own this property any longer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I have repeatedly disputed false inquiries on my credit report with Experian while sending proof that the original creditors either have no record of my inquiry or that I have received no response from the original creditor. After numerous calls and escalations Experian has failed to remove these false inquires. Please uphold them to their jobs.

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 2015-06-18 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: PR

Complaint narrative:
i am in the process of refinancing a mortgage and the bank claims they are unable to get the Experian credit report. i can not get it either ( thru the web site XXXX. no one can answer me what is the problem. even the free XXXX is not available. customer service is a nightmare.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-15 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:
Someone from the " XXXX, '' a debt collection agency, put a negative entry -- out of the blue -- on my Experian credit report in the amount of {$85.00} for account number # XXXX. XXXX bought this debt from XXXX I know this because the report lists XXXX as the original creditor. At any rate, I disputed this with Experian and they claimed the dispute was valid. This is not impossible as I have never had any credit/loan/debt/services or anything from XXXX. XXXX has no information to prove that this debt is valid ; they only provided Experian with my identifying information. Experian did not investigate, thoroughly. Also, XXXX can not provide me or Experian an original bill with date, times, and amounts where I took out an {$85.00} loan/credit/service with XXXX or XXXX for that matter. The last time I dealt with XXXX was over XXXX years ago when I closed an account owing ABSOLUTELY NOTHING. I would like this egregious negative claim removed from 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 2015-12-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I initiated a dispute with all three credit bureaus regarding XXXX XXXX credit card account XXXX. The investigation came back as verified, however I did not ask for verification that the account was mine, I asked the CRA to verify the date of first delinquency being that there is conflicting information for this account as to when the first delinquency occurred ( see attached report ). This account is approximately 7 years old and should be deleted from my credit file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian is noting that XXXX of the account son my report were charged-off. I have submitted to them proof multiple times showing that these XXXX accounts were NOT charged-off, rather they were settled. However, Experian is NOT correcting the erroneous reporting and is therefore ruining my chances to get approved for new mortgages. It hinges on those accounts being reported correctly as settled, versus being charged off.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The XXXX XXXX # XXXX has never been past due. This needs to be corrected I spoke with XXXX XXXX and I am correct correct your reporting

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 2017-01-06 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is reporting inquiries that are greater than 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 2015-07-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
A company Called XXXX of XXXX XXXX has put an Item in my credit Report. When I called them they said they cold not send me a bill to XXXX ( They say they do not send bills out of state ) and I have never received any notification from them ( they told me they sent XXXX notifications, None which I received ). The just asked for a credit card number to pay an Item that I have no knowledge of. When I moved to XXXX I put in a change of address and have not ever had a problem receiving my mail. I have never received any letter or notification or Phone call from XXXX of XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have XXXX tax liens on my personal public records that should not be there. Me and my father share the same name and I know they should be on his public records and not mine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
An old student loan account from XXXX is still reporting negative remarks on my experiean credit report. XXXX indicated that they were going to remove the negative reporting however when I reviewed my credit report they are reporting me a 180 days late. ACS no longer has my student loan account. Those loans have been rehab and no longer in default status. XXXX is in violation of FCRA.

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 2017-03-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
this previous address not related to me, never was associated with this address XXXX, NY 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 2016-07-19 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 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 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 2015-07-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Experian shows charge off as status every month for XXXX months. Should only report as charge-off for XXXX month.

Company public response: Company 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 — Information is not mine
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
XXXX XXXX XXXX IS REPORTING XXXX ACCOUNTS LISTED FOR A XXXX WHICH IS NOT ME. YET THEY KEEP REPORTING ON MY CREDIT REPORT WITH EXPERIAN. I HAVE FILED A POLICE REPORT AND NEED THIS INFORMATION CORRECTED IMMEDIATELY. 

ACCOUNT # 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 2017-03-18 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:
Experian is refusing to investigate credit inquires listed on my credit file Accounts named : XXXX card. XXXX. And XXXX All were not authorized by me Experian rep stated to me via phone call, that creditors that due business with Experian have the right to pull my credit at anytime without my authorization per FCRA

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 2016-05-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Back in XXXX I got a letter from the Department of Human Services telling me that when I submitted for my kids XXXX my information was breached. I immediately have a previous ID theft alert ( from another information breach ) updated with all XXXX credit reporting agencies. In XXXX I got something from Homeland security telling me the same thing because I am a FEMA certified adjuster. I sent a copy of this item also to the agencies. I found out ( When I was trying to get a mortgage that I was turned down for due to these inaccurate items ) that all three agencies allowed XXXX other items that were fraud on my credit file for 8.5 years instead of 7 and there are countless inquires and medical bills that reoccurs on my credit. Every time I write in concern of the inquires I get a letter back telling me that these items will remain 2 years even though I sent in proof that they were fraud. I also sent in proof of my XXXX insurance dating back to XXXX and all of the invoicing associated with my plan for those years as proof that the medical items that were on my report were fraud because they didnt match any of the visits under my itemized plan. I keep getting letters back from the agencies saying that the items were verified and will remain. I called the creditors and asked what documents they sent the agencies so that I can get a copy for the police. They told me that they only sent over itemized invoices with not signed documentation. I called and wrote the agencies asking them how can they dismiss my proven legitimate documents over invoices from a creditor. Still the items were allowed r=to remain. Not only these items but the inquires also are bringing my scores all the way down. Even my XXXX daughter XXXX XXXX XXXX XXXX/XXXX/XXXX Has bills on her credit file starting from when she was only XXXX and they were allowed to remain. My son XXXX XXXX XXXX/XXXX/XXXX has a medical debt on his also ant it was allowed to remain as well. They are both under my plan and has been since XXXX and prior to that they were on XXXX ... They were part of the initial fraud alert back in XXXX. I am asking that your agency help us with these issues. Thank you so much for your time and consideration. I am attaching a copy of my identity as well as the identity for my XXXX children as proof. I an working storm claims so I dont have a copy of the letters from DHS or FEMA on this computer but they should be easy to obtain by your agency. Also the credit agencies has a copy from back when I mailed them to 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