vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I 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 chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I continue to receive auto-letters from Experian stating that they wo n't even investigate this and that they stay on my file for 7-10 years. I would have NO problem with that if they were reporting this correctly, but they are n't! I 've asked to see the actual petition that they are using to verify this information and they have refused to send it. Congress states that the only legal form of verification is firsthand knowledge and the FCRA states that the bureaus must have these docs in their hands PRIOR to even reporting them! So why should it be so difficult to get this information from them if they actually have it? It 's because they do n't! They do n't do that unless they feel that they are about to be sued! Well, I have now have an attorney on this and have gotten the attorney general of CA involved because they refuse to correct my credit report and continue to send me garbage auto-letters each month. 

Here is my dispute with them and you 'll also find the public records page attached along with the letter in full and my identification : US BKPT CT CA XXXX XXXX The date " XX/XX/2009 '' has the wrong date and is NOT right The docket # XXXX is not correct - please send me the physical petition You do not have the court listed correct : US BKPT CT is abbreviated and this is not accurate - this must be listed accurately, without abbreviations, and completely You have no plaintiff listed

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 2017-02-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I would like to have incorrect mailing addresses and incorrect aliases removed from my credit reporting files. In the past, I have disputed incorrect names and addresses, yet they remain on my credit reporting files.

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 2016-05-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX which is my current mortgage servicing company reported late payments and I need them to remove the late payment history ASAP. I have attached letter from XXXX which clearly states late payment history was an error on there part and they have asked credit bureaus ( XXXX, Experian XXXX, and XXXX to remove derogatory/negative information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian LLC XXXX. XXXX XXXX XXXX, XXXX XXXX Credit File Number : XXXX XXXX XXXX XXXX ( SSN # XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX RE : XXXX XXXX Code 1681g Section 609 - Disclosures to consumers Dear Credit Reporting Agency, I am writing to exercise my right to request verifiable proof of the negative events you have listed within my credit file. The 15 U.S. Code 1681g Section 609- Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE. 

Public Records-Federal Tax Lien XXXX County Circuit ( This debt was included in the bankruptcy chapter XXXX filing and withdrawn. Please accurately report this information or delete from file. ) / Identification Number # XXXX Date Filed : XX/XX/2016 Claim Amount {$32000.00}

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 2015-06-25 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:
My name is XXXX XXXX I had a dispute with this information on my credit report. 
Credit ItemsXXXX XXXXAddress : XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Account Number:XXXXOriginal Creditor : XXXX XXXX. 
Address Identification Number:XXXXStatus : Collection account. {$810.00} past due as of XX/XX/XXXX. 
Status Details : This account is scheduled to continue on record until XX/XX/XXXX. 
This item was updated from our processing of your dispute in XX/XX/XXXX. 
Date Opened:XX/XX/XXXXReported Since:XX/XX/XXXXDate of Status:XX/XX/XXXXLast Reported:XXXX Type : CollectionTerms:XXXX MonthsMonthly Payment : $ XXXXResponsibility : IndividualCredit Limit/Original Amount : $ XXXXHigh Balance : NARecent Balance : $ XXXXRecent Payment : $ XXXXPayment History:XX/XX/XXXXAccount History : Collection as of XX/XX/XXXX The address in number used on this is wrong I did not have direct tv. I did not live tat the location they have listed for this. I never signed for this either. I am not sure how this account came to be. They have not showed me any proff that this belongs to me nor provided me any information. The address identification listed for this address was my ex-husband who is now deceased.This is the address id information : Address:XXXX XXXX , XXXX XXXXAddress identification number:XXXX. 

I do not know how this account came to be and I never signed for service. I can provide proof needed showing I did not reside here, I did stay with him for about 2 weeks but that is all. I would like this removed from my credit report. Please let me know what I need to do to have this matter taken care of.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I open an account with XXXX XXXX on XXXX/XXXX/11. I filed a Chapter XXXX case XXXX. XXXX XXXX file a claim. XXXX XXXX are receiving payments on the claim. XXXX XXXX refuse to update the correct balance on my credit report. XXXX XXXX also sent me a XXXX to pay taxes on this debt which is included into a Chapter XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
issue is with XXXX XXXX. There were items in dispute which I was told I was not responsible for while under investigation, however, I never received results of investigation and each time I called to inquire, I was transferred to various different departments until one day, some kind soul took pity on me and decided to see my call through to the end and get me a resolution and that 's when I found out that they had resolved my claim and I owed XXXX, which they stated was past due, but I never received any notice of such, so I immediately paid the XXXX but still had questions regarding the dispute, and where this XXXX balance was coming from. I was paying this, not because it was owed but because I did not want it to affect my credit but it ended up affecting it, and it should n't because I paid timely on that which I owed.

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 2016-04-22 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am the victim of identity theft. I disputed an account wrongfully reported on all three of my credit reports multiple times with each of the Credit Reporting Agencies and the creditor directly. I have previously provided police reports to substantiate my claim. Each time I receive a canned response : " We have researched the credit account. Account # XXXX The results are : We verified that this item belongs to you. '' Yet the CRAs nor the creditor provide documentation *proving* they validated the information, despite my including a copy of my police report when I disputed the 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 explanation
Consumer complaint received 2016-08-04 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:
XXXX XXXX XXXX, phone number XXXX, reported to Experian, a credit reporting agency, account # XXXX, original creditor ( XXXX XXXX XXXX ), that I had used their electricity and owe {$1100.00} worth of electricity, I live at XXXX XXXX XXXX, for more then ( 10 ) year, and do not pay for any utilities, it is all included in my Monthly bill or rent. I never live at any other location, five year ago, I filed for Identity theft, with my local Police department, Experian refused to clear my name, they have another account # XXXX, XXXX XXXX for ( 10 ) year they refuse to clear

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 2016-05-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Experian is refusing to investigate my identity theft claim. I want Experian to investigate my identity theft claim immediately. I am a victim of identity theft and filed a police and identity theft report with XXXX XXXX Police Department. The police report case number is : XXXX. The following accounts are unauthorized, fraudulent and do not belong to me : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX , XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, U.S. Department of Education and 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 2016-02-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I 've been waiting since XXXX XXXX for the state of Alabama to investigate a tax lien against me. The lien was for unpaid state income taxes in XXXX, which was not valid as a I was a Louisiana resident. Finally, the state 's taxpayer advocacy office provided me with the attached letter saying I did not owe the state and that the lien should be rescinded. I 've disputed the lien on my credit report for all XXXX bureaus, providing the letter from the state as proof, but the bureaus will not remove the item. I am seeking to have the lien completely removed. I 'm hoping this can be done soon, as I need to help my mom buy a car.

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 2016-11-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
To whom it may concern ; I am writing with an update per a previous claim I filed within this portal ( Case number : XXXX ) concerning one of my XXXX card accounts. As I stated in the aforementioned pervious case, I have closed this account due to fraud and unauthorized transactions. As of today, the account was reporting in accurately and I am attaching a letter that was sent to me from XXXX validating that the card was both closed and paid in full with a {$0.00} balance. 

XXXX Acct : XXXX Limit : {$4000.00} Balance : {$0.00} Last reported : XX/XX/XXXX Opened : XX/XX/XXXX Please update my credit file to reflect this information. 

XXXX, XXXX XXXX XXXX XX/XX/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 2015-11-15 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was helping a friend by co-signing for her residential rental. I obtained both our credit reports from Experian online as a requirement of the rental application. Online it says you will be charged {$1.00} for each report. I thought I was only paying {$2.00} ( XXXX for each report ). Then they started charging my credit card monthly for ongoing monitoring that I was unaware I was signing up for. Unfortunately I did not notice right away. It was {$21.00} x XXXX for myself and my friend. I finally had time to call Experian and they said in fine print when you order your {$1.00} credit report you are automatically signed up for monthly monitoring for your lifetime unless you cancel within 7 days. I am a XXXX so am not stupid. I did n't see/notice this fine print. I looked online at YELP to see if others have this problem. They have XXXX star and XXXX reviews and almost every review says that the customer was fooled into paying for this monthly monitoring service without knowing. I can afford this mistake. Others who have less money and are trying to get a job or a rental and are n't as educated can not afford this mistake. Experian refused to refund my money when I spoke to them on the phone. Please please help the less fortunate people be able to access their credit report without being " played '' by this company. Please also review the YELP reviews. This many people ca n't be wrong.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I had a beauty procedure done in 2011 and paid the full bill before they would let me leave the office and then 3 years later I get a bill saying i hadnt paid enough. Ridiculous and i will not be taken advantage of. I contacted the company at the time i recieved the eronious bill and also placed a complaint with the XXXX. Please remove from my file immediately. 
Thank youXXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03 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 and remove accounts from my credit report that do not belong to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Incorrect reporting on Experian credit report. XXXX and XXXX have all payments on time. Experian does not updated or send method of verification when asked. Also does not updated no late payments. There are no late payments but they report late payments and are interfering with my home buying process report untrue data.

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 2017-02-20 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 have been contacted multiple times by a collection agency that goes by XXXX separate names ; XXXX XXXX XXXX & XXXX XXXX XXXX. They are trying to collect on a medical debt that is a result of identity theft. I never went to that hospital in XXXX. The hospital has different addresses on file that I 've never lived. I 've contacted them they said to contact the collection agency then proceeded to give me the wrong information. I 've sent a request for removal from y report over to this company. Nothing has happened, and I feel very vulnerable because they wo n't remove it and they must be paying the credit bureaus to keep on no matter what happens. How can they overpay to maintain the agencies from deleting an account? I think it 's because I 'm XXXX and they might think I 'm here illegally ; I swear I '' m a US Citizen. Attached are my letters my XXXX advisor told me to fill out and have sent. The credit bureaus have done an ok job at communication, but it 's still on my credit report. I 've been trying to get this taken care of now because I 'm tiring to get a place to live and buy. The loan officer said I could n't get the loan because the collection is in dispute and I would have to call and admits I do n't want to challenge it.. which I refuse to do because it 's not mine. The bureaus said they verified everything with the source ... How? I 'm needing help handle this because I have nowhere else other than these government places and XXXX rights place which they told me to record calls and track stuff which I have. Thank you for your time 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 2016-05-02 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:
First I would like to state that experian does NOT offer a way to dispute a credit inquiry. 
That being said, there are XXXX inquiries from XXXX XXXX still on my credit report, it is XXXX/XXXX/XXXX it has now been over 2 years and for some reason they are leaving it on here.as stated by experian in the image provided. Credit inquiries are supposed to fall off after 2 years, not 2 years 1 month not 2 years and x amount of days but 2 years. 

I suggest the CFPB launch an investigation into the legitimacy of the way experian does business. They are obviously skirting laws left and right. I ca n't retrieve my free annual credit report and had to use a free trial at XXXX to view my credit report from experian. See my other complaint.

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 2017-01-21 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:
Update to prior complaint, as I have received a written response from Experian. Prior scanned correspondence has been submitted to you regarding this, and additional scans are being provided now. A total of XXXX re-aged alleged missed payments remain on my credit report. My request for copies of my original, signed consumer disclosure statements with documented payment history for these student loans has been ignored. Experian 's response does not even address that I requested written proof of their investigation, as shown in my original handwritten and notarized letter with proof of mailing already submitted to your office. I requested these for the purpose of establishing that debt re-aging had occurred numerous times in my credit file. I requested either written verification and proof of payment history, or in the absence of this, that the accounts be deleted. It is their choice as to which way they preferred to proceed, but completely ignoring what I am legally entitled to request and see was not one of Experian 's options here. However, Experian would have you and I believe the payment history has again been erroneously " verified '' without any written proof of this and that we should all simply take their word for it. This is precisely why I felt compelled to write you once again. Please help to get my credit report corrected so that I can stop being illegally penalized and denied credit as a result of Experian 's failure to keep accurate records.

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 — Information is not mine
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently pulled my credit report from Experian and noticed the following accounts were listed on my reports as a collection/chargeoff. I immediately disputed this information with Experian and the results of the investigation came back as " verified ''. I did not have an account with any of these companies during this time period. All of these companies incorrectly reporting this debt and has ignored a demand letter under FCRA regulations. With Experian continuing reporting this account as negative on my credit report it makes it impossible for me to establish new lines of credit and also tarnishes my name. I will also be filing complaints with the Attorney General of my state and pursue full legal action under FCRA regulations and defamation of character unless these debts are immediately removed from 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