vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I pulled my credit report on XXXX/XXXX/15. I immediately noticed that the fraud statement had an old phone number listed in both my report and my husband 's. I reported this XXXX years ago and have continuously contacted all XXXX credit reporting agencies in the past regarding the issue. I tried to dispute online, but could not as the message on Experian 's website says that you have to call to dispute the fraud statement. So I called the following day. An agent with a XXXX told me to dispute online. I reiterated what the web says and that there is no " dispute '' button. He gave me the following site : XXXX. No such link exists. He then claimed that he was deleting my phone numbers. I told him not to delete all my phone numbers, only the incorrect XXXX. About a week later, I received a letter from Experian that, as requested, they had deleted all my phone numbers. I went online again to check my report. No changes have been made and the incorrect phone number is still on the site. I have not had a chance to call back as the office is only open from XXXX, and I do not want to continue going through this ridiculous routine with Experian not changing incorrect information. They 've had 6 years to make XXXX change.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This agency has numerous errors on my report. Names, addresses and personal information incorrect. I have contacted them and they can not correct via on line or email. A phone call to them gave no results. I waited 20 minutes on the phone and finally hung up. They sent a updated report and refused to take off the incorrect info on Social Security. They are saying the address I live at is a business address, this in not true. They are reporting my name incorrectly. And I can not seem to upload anything to the site, nor will then send me a hard copy of the free report. There are several requests from companies I have no idea who they are. And I see some companies contact them all the time for updates on my credit. I take offense to all this. I do n't believe that companies should have so much access to my or any ones personal information, this way. This allows all kinds of people to access personal information and use it any way they want.

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 2016-08-01 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:
I am a victim of identity theft. The following account and inquiries are authorized and fraudulent : 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 Bank, XXXX/XXXX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-05 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Experian Credit Reporting indicates I signed up in XX/XX/XXXX, which is true. However, I put in a request for cancellation in XX/XX/XXXX. Experian says they received no notice of this and I have no confirmation email. I have asked them to examine their records for any logins to the site, and only requested credit back of {$21.00} for the past 3 months, as that is standard to request for any purchase you dispute. They declined, offering 1 month credit only. I wish to receive the other two months. I should receive 6 months, but since I did not follow through on this - due to the death of my sister XX/XX/XXXX, when I no longer was interested in following my credit score or anything else, this is all I am asking.

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 monetary relief
Consumer complaint received 2017-01-17 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 disputed accounts with the credit furnisher XXXX XXXX on XXXX occasions via certified mail as well as with the credit reporting agency, Experian. On the first occasion the furnisher reponded to my dispute contradicting my dispute with their evidence that was intended to support my ownership of this debt and requested that the credit reporting agency preserve this information on my credit report. I responded with a second dispute including legal documentation that validated my dispute, contradicting the evidence they presented with me as the owner. After the second dispute via certified mail with the furnisher I received no further correspondence, with evidence disputing my legal documentation. However, they contacted the creditor without investigation and asked that they keep this information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I was reported by XXXX department stor being late in XXXX and XX/XX/XXXX with my payment. I did make full payment with interest and late fee in XXXX and XXXX. With this late payment that XXXX reported to all XXXX credit reporting agencies my husband and I were not able to get the top tier interest rate of 4 % for 30 years instead got a 4.25 % for home refinance due to reported late payment that was payed in full. Contacted XXXX department store to get the late payment removed from the XXXX credit reporting agencies but XXXX was unwilling to remove the XXXX late payments even though the fee, interest and balnce as payed the subsequant month.

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: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Not getting results from CB directly after mailing letters and sending faxes. These inquiries are not authorized and I 'm asking for removal from Experian report. 
1 ) XXXX Bank XX/XX/2016 2 ) XXXX XX/XX/2016 3 ) XXXX XX/XX/2016 4 ) XXXX XXXX/XXXX/16 5 ) XXXX XX/XX/2016 6 ) XXXX XX/XX/2016 7 ) XXXX XX/XX/2016

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: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
I HAVE XXXX ACCOUNTS FROM THE XXXX XXXX XXXX IN MY CREDIT FILE FOR MORE THAN 1O YEARS THIS IS ILEGAL. I TRY TO MAKE A ONLINE DISMPUTE WITH EXPERIAN WITH NO RESULTS THIS IS MY INFO Experian credit report prepared for XXXX XXXX XXXX XXXX Your report number is XXXX Report date : XX/XX/2016 PLEASE HELP THSI RUIN MY LIVE THSI ACCOUNTS ARE PAID WITH A REFINANCE

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 2016-08-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : I notified company of errors and my request have gone ignored to date have not received any investigation request. 

1. The information is incorrect for the following account XXXX XXXX XXXX XXXX XXXX, LA XXXX Please remove it from my credit report 2. The inquiry was not authorized XXXX Account Number : Please remove it from my credit report. 

3. The inquiry was not authorized XXXX Account Number : Please remove it from my credit report. 

4. The inquiry was not authorized XXXX Account Number : Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX Account Number : Please remove it from my credit report. 

6. The inquiry was not authorized XXXX Account Number : Please remove it from my credit report. 

7. The inquiry was not authorized XXXX Account Number : Please remove it from my credit report. 

8. The inquiry was not authorized XXXX BANK Account Number : Please remove it from my credit report. 

9. The inquiry was not authorized XXXX XXXX Account Number : Please remove it from my credit report. 

10. The inquiry was not authorized XXXX XXXX Account Number : Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23 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 reporting a negative account that does not belong to me. This account was previously deleted from my file by the creditor as it did not belong to me. I am attaching the response from the creditor deleting this information. The original creditor is not listed but it is for the same amount as the previous account. Experian is not allowing to make any online disputes and I am not able to speak to a representative as you need a report number to do so. They continue to report erroneous information and refuse to do anything about it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-27 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX has been reporting to Experian through XXXX for over 10 years. Recently we realized that XXXX had gone out of business and none of the information we were reporting was appearing on Experian. Furthermore Experian deleted all the information we had ever reported through XXXX without either company informing us. We have been dealing with the manager at Experian, XXXX XXXX, and the supervisor, XXXX XXXX for two and a half months now without any solution. We were denied being able to report to them directly yet we are still being charged to be able to purchase credit reports from them even though at this time we know they are not accurate because valuable information from our company has been deleted. Over ten years worth of information is missing for our customers. Experian refuses to reinstate the 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 explanation
Consumer complaint received 2015-03-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
EXPERIAN CONTINUE TO VIOLATE FCRA WITH REPORTING SAME ACCOUNT ON FILE 3 TIMES " XXXX '' PUBLIC RECORDS CASE # XXXX AND XXXX # XXXX, FORMAL FRAUD AFFIDAVIT WAS FILED WITH COMPANY AND FTC ON ABOUT XXXX/XXXX/2012 ; CASE # XXXX ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Since 2012, I have disputed XXXX Creditors on my Credit File ( all XXXX Credit Bureaus ). Also, I have disputed directly with the Creditors reporting incorrect reporting as not being mine. Whenever I call the Creditors directly, the file in question does not match with my SSN. I have tried everything possible within the rule of laws without any resolution. Please help and advise. Thanks!

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 2015-07-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian had added conjecture to my credit report of which I do not PAY them monthly for this unprofessional service! I have written letters and sent emails to NO AVAIL! 
XXXX XXXX, XXXX and XXXX have notes that the " consumer distributes, or disagrees. '' I have asked that they be removed. After waiting everyday last week and this week on the consumer service line for at the minimum XXXX minutes I am told the creditors say it is your bill. No kidding. Take the verbiage off " consumer distributes, or disagrees. '' I am also writing to the XXXX for assistance. EVERYONE should know that Experian is a friend of collections agencies, and that they are violating my Fair Trade Laws.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-17 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:
THE FCRA asserts my right to fair, accurate and complete reporting of information by EXPERIAN and their furnishers.EXPERIAN TODAY THROUGH CLEAR AND CONVINCING EVIDENCE ATTATCHED HERE, INTENTIONALLY AND KNOWINGLY WILL NOT FOLLOW THE REQUIREMENTS OF FCRA REPORTING REGARDING ACCURATE AND COMPLETE REPORTING. 
The first XXXX XXXX account,XXXX is attatched.The report today does not include a DOFD, date of first delinquency ... .experian 's fall-off date is inaccurate and only an estimate of a DOFD ... THE DOFD EXISTED ON XXXX XXXX ( XXXX XXXX REPORT ATTATCHED ) ... IT HAS BEEN REMOVED IN THE ABOVE INVESTIGATION I HAVE ATTATCHED THE VIOLATION STATUTES REGARDING THE DOFD. 
I HAVE ATTATCHED A LETTER FROM XXXX ASKING FOR SPECIFICITY IN CREDIT INVESTIGATION ... .I HAVE DONE SO.

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 2016-01-15 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Furnished misinformation being reported by Experian credit bureau which thus has been deleted by XXXX and XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14 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:
When attempting to get my credit report from all three reporting agencies using https : //www.annualcreditreport.com, I was given an error message that Experian was not able to process/handle the request online and that I would have to manually fill a form and send via mail in order to receive 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 2016-01-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Public Record was disputed and found to have not been validated on XXXX and XXXX ; however Experian reported that it was, with no factual evidence sent as requested to have the item removed or verified. No proof of verification process was provided when asked.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07 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 these accounts I disputed. Since it has gone well past the 30 day time frame and the company 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 2016-03-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
hi, the date of bankruptcy is inaccurate on " '' EXPERIAN '' '' the accurate date is XX/XX/XXXX which is also reporting by XXXX and XXXX XXXX, so Experian needs to make the correction

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 2015-08-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I have XXXX paid medical bills showing on my credit report. My understanding is as of XX/XX/2015 paid medical bills should be removed. I have called the creditor, they have no clue about the new rules.. I have called the Credit Bureau/I have disputed with the credit bureau and told I was told they have NO IDEA about the new guidelines : XXXXSome changes are retroactive. For example, existing medical debt defaults that finally get paid -- whether by the insurer or the patient -- will be deleted. That likely will immediately improve a consumer 's credit scores, although by how much can vary widely, XXXX said. 


XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XXXX XXXX, 2016, I was notified by email from Experian Credit Monitoring Service that XXXX has reported to the credit bureau ( s ) an alleged debt collection account in the amount of {$63.00}. My records show this alleged debt collection account reported by XXXX XXXX in the amount of {$63.00} to be incorrect. I have attempted to dispute the information by using the online dispute services I am paying for with Experian Monitoring Service, but Experian Monitoring Service has disabled my ability to do so. Attachments to this online complaint submission is a copy of the information in my Experian Credit Monitoring Service account, along with a copy of the notification from Experian Credit Monitoring Service stating I am not allowed to use the online dispute service, a feature in which I am paying for monthly with this credit reporting service.

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 2016-12-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Experian is reporting a charged off account as a recently delinquent payment. The account was charged off in XX/XX/XXXX but is now showing current delinquent payments in XX/XX/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 2015-08-23 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:
Fraudulent Activities in my credit report and some are reports XXXX in my personal accounts. Please remove all these negatives accounts. My Identity has been lost.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
My first complaint regarding my short sale that has been going on since XX/XX/XXXX, still has not been resolved. The file has repeatedly been sent back to the same departments time after time for 3 years. I have delivered every document in a timely fashion as requested. Now I am on my 3rd extension with the IRS to release their lien, which by the way will expire on XX/XX/XXXX. Which I also placed Wells Fargo on notice. Wells Fargo forced my Client to complete a full blown appraisal, XX/XX/XXXX, at her expense, now I am told a new Price Opinion needs completed, then the file gets moved to Cash Flow review, then from there it goes to a negotiator. This is beyond professional, there is no way these repeated events have assisted my Client in attempting to do the right thing, and continue to maintain the property, and keep the home from Foreclosure. With this being said, financial documents will expired, and the process will start all over again. There has to be an individual who can step in and get the job done. Instead of passing the file to these individuals whom ca n't seem to recognize what a deadline is after years of frustration, I keep getting the same answers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation