vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-20 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 have repeatedly disputed an account listed on my credit report as not being my account. After submitting numerous requests to XXXX for validation of the debt without response, I disputed the account with Experian. Experian supposedly investigated it and came back and said that proper validation was provided to them. I asked to see said documentation containing my signature since I would have had to sign a lease ( this is a collection account for an apartment complex ). I was provided a XXXX page accounting with the name " XXXX XXXX '' and the address of the apartment complex on it. I again asked for proof this was my account because I did not enter into any lease agreement with that apartment complex. XXXX will not provide it to me and Experian will not say anything other than the account was properly validated. HOW CAN IT BE VALIDATED IF YOU HAVE NO DOCUMENTATION CONTAINING MY SIGNATURE?? Experian will not remove this account even though it has not been able to properly validate it as being my debt. I have repeatedly asked to see the documentation proving it is my debt. Neither Experian nor XXXX has been able to provide any such document. THIS NEEDS TO BE REMOVED FROM MY CREDIT IMMEDIATELY!! 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 explanation
Consumer complaint received 2016-08-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have paid both XXXX XXXX accounts on XXXX/XXXX/16. XXXX accounts reflects it was paid but not the other. They both cleared the bank on the same day.

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 2016-07-12 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX refused to ad another person to my credit line with them because of negative information from Experian. Experian had placed a " Fraud Alert '' on my credit file. Experian has never notified myself of this fraud alert. When I called Experian they made me verify all kinds of information such as my bank account and drivers license information. Experian refused to explain to me how they obtained this information. I have not given anyone permission to obtain and keep my bank information or driver license information. I would like more information concerning my credit file with Experian. I would like a complete report with all this secret information that they do not share with consumers.

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 2016-11-30 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The information on my credit report is wrong. 
I paid all my accounts, I have submitted letters and documents, over the past year, They have done nothing with this. 

They should be made to take this bad information off of my account, he is hurting my life

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 2016-05-18 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I disputed XXXX debts XXXX with XXXX XXXX XXXX XXXX confirming that this third party collector has not record of this debt within their system, and with XXXX XXXX XXXX with Experian confirming that this debt was paid for on XX/XX/2016. They never resolved my disputes and I am requesting that you see to it they remove XXXX XXXX XXXX XXXX debt with all XXXX bureaus, and that XXXX XXXX XXXX with Experian reflects " paid '' with a " {$0.00} '' balance.

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 2017-01-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My husband and I are in the middle of an FHA Short Sale for the property located at XXXX. XXXX, GA XXXX. FHA /Investor requirement to be late on our mortgage to get FHA short sale approval. Supporting documents are uploaded. Please examine, audit or re-evaluate credit. As you see from the credit report that all creditors shows excellent record- " paid on time never been late. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-08 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have excellent credit but what the industry refers to as a " thin file ''. I found this out because there was a database theft which occurred at my Health Insurance company ( XXXX ) and to curb any identity theft, they asked you to put a watch on my credit files. Subsequently, I applied for a credit card but was turned down due to this " thin file '' or what the company doing the " hard inquiry '' listed as " INSUFFICIENT CREDIT HISTORY ON FILE '' on the rejection letter. This " hard inquiry '' greatly reduced my credit score on online credit score websites and I would like to know what my credit score truly is. In order for me to get it from the monitoring company, I am told on the credit report I am sent monthly that I should pay {$7.00} to get my credit score. I would also like to remove the hit I took from this " hard inquiry '' from my credit report as it makes it looks as if I am not credit worthy, which is not true, as I have the ability to pay and also have a history of paying all my debts until such time that you classified my file as " thin ''.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29 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 been fighting with XXXX for 2 years to remove this unverified debt from my credit profile. Attached, XXXX have also asked XXXX to stop reporting this false information and they have failed to do so. I '' m looking to have this removed asap

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 2016-04-29 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: CO

Complaint narrative:
I am re-financing my mortgage ( hopefully ) and I needed to review my credit report. I was able to access XXXX and XXXX, but unable to access Experian. I tried XXXX Internet portals, but could never get beyond the first page where I provided my personal information. Both sites took me back to the first page repeatedly. I called and spoke with XXXX at Experian. She was unable to help me although she did try. Since I am entitled to one free report per year, this is ridiculous. I notice that others have complained about the same issue. A consumer reporting agency should not have to be called to task. I give them a score of 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 2016-07-25 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 have an Initial fraud alert on my Consumer credit report. I have reports from XXXX XXXX and XXXX XXXX XXXX department saying they are removing Hard Inquires from my report. I have other hard inquires on my report I believe to be in error.

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 2017-02-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I requested the investigation and re investigation of mis reporting or any state and federal violations per XXXX compliance on accounts listed on my credit report. The credit bureau responded that they have in fact verified ALL accounts with the creditors and that EVERY account is reporting ACCURATELY. When contacting a few creditors myself, I have learned that they did not furnish any information to the CRA and have not verified any accounts. There are also errors within terms, statuses, etc. It is the responsibility of the CRA to make sure everything they report is accurate, verifiable, and 100 % Valid. They are reporting incomplete information? Is n't this illegal. Why am I asked to provide information if I myself made the request. I have been trying to get this all worked out for a few months now and to no avail. I had no choice but to file this complaint. It is preventing me from moving forward.

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 2017-02-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I wanted to buy furniture from XXXX. I was told that, with a XXXX credit card, I would get {$40.00} off my order. I applied and got a form letter from XXXX Bank, saying credit was denied, based on information from Experian. After hours of phone calls, I was told that XXXX XXXX where I had a card, had submitted an incorrect SS number for me. ( I have n't used that card for several years. ) I disputed and got a communication from Experian to the effect that they completed the processing of the dispute. However, the Experian web site still reflects that I 'm " in dispute. '' I called XXXX, but they are unable to change it, of course. I think it 's wrong and unfair that I never had a chance to review the information submitted about me to make sure it is accurate. Also, now that it 's be resolved, why should it remain for so long as if it has n't been. My credit score, according to Experian itself, is XXXX, which that outfit itself calls " exceptional. '' I protest this sloppy, indifferent, and infuriating refusal to remove this " dispute '' thing immediately. Their cynical disregard for my credit standing, effort, time, and frustration, should be recognized. I should be embarrassed to pull the age card, but I will, anyway : I turned XXXX in XXXX and I believe this is actually affecting my well-being. Thank you. 
Note : I tried to attach the letter from XXXX, but was unable.

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 2016-05-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Statebridge Company
State: MI

Complaint narrative:
When I make my payments before the due date, the mortgage lender is rejecting the payment without even attempting to pull the money from my bank account. After the due date passes they are contacting me regarding late payment, assessing a late fee, and then accepting and processing my payment. To this point they have waived all of the late fees assessed, but I am concerned their actions may impact my credit rating or the status of my loan. They also sent back a huge portion of my escrow account, then increased my monthly payment by several hundred dollars to cover my now outstanding insurance payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 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 have written the Credit Agency multiple times over the past several months and have received responses that they have completed investigation without proving how they concluded the investigation. I have repeated requests and to no avail. I have contacted the creditors and credit bureaus and therefore need help validating these items. 1. Bankruptcy 2. XXXX, 2. XXXX 3. XXXX. Please help and advise. All of these agencies have not been helpful either by phone or mail. I need these items resolved and removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I had pulled my annual credit report and seen that I had a debt collection from XXXX XXXX. I sent a letter to the company asking to verify the debt on XXXX/XXXX/2016. I received a letter back including information for XXXX separate debts. XXXX which did not belong to me. They belonged someone with the same first and last name but a different middle initial. The letter included documentation to verify only XXXX of the debts which had an address for the other person. The address listed on the document was not my address and I have never lived at said address. I send a XXXX letter to XXXX XXXX on XXXX/XXXX/2016 asking to verify that this is indeed my debt and why they think it belongs to me. I received a response from XXXX XXXX dated XXXX/XXXX/16 stating again the XXXX debts. They included with this letter a document verifying the other debt and once again there was an address listed for another person. On XXXX/XXXX/16 I sent a complaint to XXXX XXXX stating that are reporting inaccurate credit information based on the documentation previously mailed to me. I explained that I have never lived at either addresses and the person whom they are seeking is not me. I asked that they comply with federal law and remove the debt from my credit reports including all XXXX reporting agencies. I waited over 30 days with no response from XXXX XXXX. I have disputed the debt with all three credit bureaus which have stated that the information was correct and would not be removed from my credit report. I sent a letter to XXXX XXXX on XXXX/XXXX/16 asking to verify yet again that this is indeed my debt. I have not been given a response from XXXX XXXX, and the XXXX reporting agencies have not assisted me in this matter. Experian updated the debt collection from the XXXX XXXX name to their alias which is XXXX XXXX XXXX. Please help me alleviate this collection 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 2016-11-10 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:
There has been a collection added to my report on all XXXX bureaus, that does not belong to me for {$890.00}. The collection company is XXXX XXXX collecting for XXXX XXXX XXXX. I have been doing searches on the company name, XXXX XXXX XXXX, and I keep seeing SCAM, FRAUD - lawsuits by states - cease and desist orders from states. I have filed disputes with XXXX of the bureaus and I will call the XXXX. I have worked so hard on my credit and I 'm just sick that I have to spend all of this time chasing down a fraudulent report. I 'm reporting this in hopes of clearing it up and to provide information, as I suspect I 'm not the only one this has happened to. Please Help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-20 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:
Experian will not allow me access to dispute my credit report online

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 2015-10-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XXXX XXXX, XXXX I borrowed {$600000.00} from XXXX to purchase a house. I fully repaid that loan on XXXX XXXX, XXXX. However, the bank failed to report this significant transaction to the credit bureaus. They acknowledge their responsibility to do so. However, they say that they attempt to report this transaction to the XXXX main credit agencies " manually '' but the credit bureaus apparently are unable or unwilling to receive credit information " manually '' ( whatever that means ). 
I have an unfair negative credit rating. It does not reflect reality, but it complicates my life immensely. Please, help resolve this matter. I would like to propose XXXX alternative solutions : 1 - If XXXX is unable to deliver its side of the bargain they should reimburse me for all the interest and the fees that I paid them in good faith. 2 - Help our nation 's XXXX major credit agencies to become a bit more flexible. I am sure that I am not the only one who is unfairly penalized due to their lack of flexibility. 
Please see XXXX attachments:1. My letter to XXXX of XXXX XXXX, XXXX2. The response I received from the bank dated XXXX XXXX, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
It has been two months that I have been asking for verification, still have an unverified account from XXXX. I had previously disputed this account. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that EXPERIAN Provide verification of the following company XXXX : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that EXPERIAN. Cease and Desist all further communications and collection actives and provide the verification of the purported debt from 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 2016-10-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently disputed information on my Experian credit report that I either have no knowledge of and or duplicate accounts that are reporting on my credit report. I also disputed incorrect addresses and names that I am not known by or ever used that are reporting on my credit report. The only address that should be on my report is XXXX, ga XXXX. My correct name is XXXX or XXXX XXXX XXXX which are the only names I have used. I have several student loans from the dept of education, aes and naive to reported duplicate accounts that have been consolidated. This is hurting my credit scrore preventing me from getting a home loan. I have XXXX duplicate accounts reporting from XXXX XXXX XXXX that I have no knowledge of and XXXX account from XXXX XXXX that I also have no knowledge of.

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 2016-09-27 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I FULLY INTEND TO SEE THE HOUSE MY SS # & MY NAME WAS USED TO BUY IT! 
FTC TOLD ME THAT PERSON HAS BEEN USING MY SS # & NAME SINCE XXXX! 
WHY COULD N'T THEY STOP IT 25 YEARS AGO????????????????? THINK THEY WOULD MIND IF I MOVED IN WITH THEM????????????? 
I PROBABLY WILL NEVER FILE ANY KIND OF TAXES AGAIN! SINCE THEN,XXXX, COMPUTER HACKED ALONG WITH HOMEPHONE & CELL. DO N'T THINK ITS LUCK!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! THE GOVERNMENT JUST DO N'T CARE ABOUT US REGULAR PEOPLE THAT WORKS FOR A LIVING, BET THEY WOULD FIX IT SOMEHOW IF IT HAPPENED TO THEM, LIKE XXXX XXXX, OBAMA OR EVEN OUR BELOVED HOUSE SPEAKER? HOW WOULD IT FEEL TO BE STILL WORKING ON GETTING YOUR XXXX TAX RETURN BACK IN XXXX? JUST ASKING XXXX, YOU THINK???????????????? 
MY CREDIT SCORE WILL NEVER EVER RECOVER NOW THAT I 'M XXXX YEARS OLD!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

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