vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
EXPERIAN HAS LISTED IN THE COMMENT SECTION OF GOAL FINANCIAL THAT THE ITEM WAS UPDATED FROM OUR PROCESSING OF YOUR DISPUTE XX/XX/XXXX. I NEVER DISPUTED THIS LINE ITEM. I DID ASK FOR VERIFICATION FROM EXPERIAN THAT THEIR SHOWING ME TO BE 180 DAYS LATE ON MY PAYMENTS WAS CORRECT. THEY HAVE NOT BEEN ABLE TO SHOW ME VALIDATED PROOF. HOW CAN I BE LATE ON A LOAN THAT WAS IN FEDERAL DEFAULT PROGRAMS XX/XX/XXXX AND XX/XX/XXXX. THIS INFORMATION THAT THEY ARE LISTED IS INCORRECT. SO I AM ASKING THAT THEY GO BACK TO XXXX AND GET PHYSICAL PROOF THAT I WAS INDEED LATE FROM XX/XX/XXXX TO XX/XX/XXXX. I DO NOT BELIEVE THAT I WAS AND YET THEY ARE REPORTING THIS. I AM ASKING THAT THIS ACCOUNT BE UPDATED TO SHOW OK/CURRENT TERMS OF AGREEMENT MET AS WELL AS UPDATE THE COMMENT TO SIMPLY SAY " ACCOUNT CLOSED DUE TO TRANSFER '' AND TO REMOVE THE REST OF THEIR STATEMENT THAT MENTIONS THE WORD DISPUTE. NO ONE DISPUTED THIS. ASKING FOR PROPER VERIFICATION IS NOT DISPUTING.

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 2017-02-01 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:
XXXX XXXX, XXXX XXXX Experian XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. 
Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX SOC SEC # *********** DOB XX/XX/XXXX XXXX, XXXX XXXX XXXX acc # XXXX PLEASE REMOVED THIS ADRESS XXXX, XXXX XXXX XXXX - REPORTED XX/XX/XXXX THIS IS NOT MY ADRESS FRAUD The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX SOC SEC # *********** DOB 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 2015-10-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My identity was stolen. I filed a XXXX XXXX XXXX police report Case No. XXXX, and also a F.T.C. " Identity Theft Affidavit '', # XXXX. I submitted my notarized documents by certified mail to XXXX XXXX, XXXX, and Experian. They did not do a thorough investigation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This credit reporting bureau is reporting incorrect information under a XXXX credit card that was closed many years ago. There is a very old credit card still displayed on my credit file which is showing XXXX XXXX day late payments. XXXX late is displayed in XX/XX/XXXX and the other is displayed in XX/XX/XXXX I wrote a letter asking Experian to completely delete this account and I have not received a response and this account continues to display incorrect information that can not even be verified. I called XX/XX/XXXX and was informed by them that these late were not verifiable and no longer on record an that the bureaus will remove the account completely. But they have yet to do this. I am suffering financially because of these false reporting and this falsely delinquent 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 non-monetary relief
Consumer complaint received 2016-10-20 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Disputing the fact that Experian investigated properly, they claim they verified the reports, well great, I sent a demand letter wanting the proof of all verification supported with proof of documentation sporting my signature on each verified account. XXXX is a medical collection, they at no time ever got my consent in writing to share or obtain my medical records. accounts were not marked disputed, and Experian actually sent me a letter stating they had no intention of re-investigating my dispute, they also failed to remove old addresses in accordance to my written letter 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
Consumer complaint received 2016-10-14 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Received marketing offer after opted out
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
About a month ago, I had a reason to contact the Experian Credit Reporting agency about my credit scores being grossly inaccurate. I have a perfect credit history but they lowered my score to barely acceptable. During that contact, I was asked if I would like a copy of my report for {$1.00}. I accepted the offer as the price was right. Now they are billing me on my email account for {$21.00} as some kind of membership in something I do n't know about and sending me unsolicited emails. When I called them, they claim there was a " hidden '' acceptance of a membership of some kind that I accepted. I assume there was some kind of hidden in small print of something or other. Now they want me to pay a fee for something I never asked for. Now I 'm also asking them to return my {$1.00} for whatever scam they are trying to hook me into. Since I never signed any contract, explicitly or implicitly, this is an attempt at extortion.

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 2016-05-02 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:
Item # 1 : I dispute XXXX - XXXX, I have enclosed the XXXX Cancelling the debt. Please delete this account. 
Item # 1 : I dispute XXXX - XXXX, I have enclosed the XXXX Cancelling the debt. Please delete this account XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX accounts is fraud and should be deleted Account name XXXX XXXX XXXX Account number XXXX .... 

Account name XXXX XXXX Account number XXXX .... 

Account name XXXX XXXX Account number XXXX .... 

Account name XXXX XXXX XXXX Account number XXXX .... 

Account name XXXX Account number XXXX .... 

Account number XXXX .... 

Account name XXXX XXXX XXXX XXXX Account number XXXX .... 

Account name XXXX XXXX XXXX Account number XXXX .... 

Account name XXXX XXXX XXXX Account number XXXX .... 

Account name XXXX XXXX XXXX XXXX Account number XXXX .... 

Account name XXXX XXXX XXXX XXXX Account number XXXX .... 

Account name 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 2016-04-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Public record XXXX XXXX XXXX Identification Number:XXXX is too old to be on file. It is obsolete, not responsible for this judgment.Please delete it.

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 2016-08-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XXXX wireless has posted a 90+ days late status 14 times on my Experian CR. The account was legally paid in full and should not have posted any negative data on my CR due to my SCRA right to terminate any lease due to overseas deployments. I explained this to them many times but the negative data is still on my report. 
Additionally, the " XXXX XXXX XXXX '' collection agency should also expunge negative data from my Experian CR for the same SCRA right to terminate any lease due to XXXX deployments. Thanks for your 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 2016-10-25 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:
The account of XXXX is being shown on my account after I have disputed it and provided a police report, stating that this account is not mine and is fraudulent. I have requested the account to be removed from my credit report and it has not been removed. It has been more than 30 days and nothing has came about ...

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

Complaint narrative:
I was offered a position with XXXX who ran a background check on me through XXXX XXXX. XXXX HR Dept. contacted me and said there was an Issue with my background check that I owed XXXX {$5300.00} for a past due account on a short sale and that I need to clarify. I had a short sale with XXXX which closed XXXX 2011 with no recourse of monies owed. They are also reporting 2-30 late, 1-60 day late and -1-90 day late. These are incorrect as well I did have a couple of late payments due to the fact that I was informed by them that in order to qualify for a short sale I had to be in errors in order to proceed. So they effected my credit even though I was willing to make the payments on time to keep the short sale damage to my credit at a minimum. They said there was no way around it! I would have had 1-30 day late on my report but they kept dragging out the short sale which all it did was hinder me more all the time affecting my credit. I need this rectified as I have been unemployed for 9 months with my unemployment running out this would not be a good thing for a XXXX XXXX XXXX trying to find work. Please look into this as time is of the essence. I would appreciate any help you may be able to provide.

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 2016-08-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Please provide all relevant documentation such as billing statements, signed contracts to valid this debt. This company XXXX XXXX XXXX is a predatory lender and should be shut down due to their illegal business practices with their Car Dealerships refusing to provide tags, or DMV registeration without customers paying additional monies in cash to the dealership directly, even after the tags & taxes were included in the loan amount. Because they would not provide it, the car was turned back over 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
Consumer complaint received 2016-02-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Experian is posting data on my credit report that is outside of the statue of limitations in the State of Ohio. 
Account : XXXX XXXX Date opened : XXXX/XXXX/XXXX Today 's date : XXXX/XXXX/XXXX Statue of limitations in Ohio : 7 years Time reported : 8 years and 22 days

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 2016-03-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
This XXXX account reporting is past the statute of limitations please remove as requested

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 2016-08-21 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:
I previously worked for the XXXX. After retirement in the XX/XX/XXXX, I was advised that there was a recent cyber security breach and I was given insurance via a third party identity restoration firm, XXXX. I received a routine credit alert on XXXX XXXX, XXXX. Upon checking the information, a collection showed up for the first time on my credit report on XXXX XXXX, XXXX showing a debt due to XXXX in collection with XXXX for a XXXX address I never lived at for an individual with a first name and last name spelled differently than mine ( one letter of difference in each ). I had an account with XXXX in a different state which was closed out ( I saved the only chat ) and XXXX accessed my Credit Report on XXXX XXXX, XXXX and thus not only would their own records show the correct information but at that point they had my current name and address. I did not receive a single notice about this and of course they are trying to portray this as identity theft ( to cover their incompetence and probably wanting a tax deduction for the current period ). XXXX has not been cooperative ( and made me go through hoops filling out forms ) and I know nothing of the bogus transaction 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 non-monetary relief
Consumer complaint received 2015-05-13 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 recently signed up for credit mointoring on Experian 's website and noticed erroneous account on my report. Following this discovery I sent Experian correspondence dated XX/XX/2015 ( see attacehed dispute letter ), alerting them of the frivolous information and requesting an investigation. I also sent Experian a copy of my driver 's license, SSN card and recent utility bill. To my bewilderment, Experian responded back with a notice stating they received a " suspicious request for investigation '' ( see attached response ) and claimed the person that sent this dispute was not me and hence Experian refused to investigate the frivolous items. 
This issue made me refer the matter to my legal council, who assured me that Experian is required by the Fair Credit Reporting Act to maintain accurate report information and is duly responsible to investigate any questionable items, which in this case they have blatantly refused to do so. Ironically, XXXX of the collection companies reporting on Experian that I called by phone, XXXX and XXXX were able to withdraw the accounts from Experian by acting unilaterally. 
Once again, the items I detailed need to be rectified or I shall have no choice but to pursue this matter using judicial means.

Company public response: Company 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: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: FRESNO CREDIT BUREAU
State: CA

Complaint narrative:
Disputed account with all XXXX credit bureaus, requested debt validation under the FDCPA and they have not validated the deb but continue to validate the dispute with the credit bureaus which is a violation under the FCRA. They have not provided any proof consent given to share or obtain private and protected medical information under the medical bills act.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I opened an account with XXXX XXXX IN 2013. The issuing bank was XXXX XXXX. Shortly after, the account was converted to a XXXX XXXX account. Apparently at some point the account was purchased by XXXX XXXX and converted to XXXX XXXX. I was not aware of this change until I received a bill stating I was past due. I immediately called asking what this card was and was informed of the change to XXXX XXXX XXXX. I explained that had I known the account changed and I owed the balance I would n't have defaulted. I paid the balance in full and was informed the account would be corrected to NEVER LATE and closed. The account should be reported as XXXX XXXX XXXX with a {$0.00} balance and never late. All information they have reported is incorrect and should be corrected and updated immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-29 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Experian Credit Report : XXXX, I am unable to remove inquiries from my credit report. 
The XXXX and the Credit Bureau are both no removing my name and informationfrom the Creditor 's file. I want the inquiries to be removed and permanently stopped.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Someone had a judgement against them and it was placed on my credit reports. I does not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-08 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:
XXXX XXXX DOB XX/XX/XXXX XXXX XXXX FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida Upon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen I have included a copy of the police report attached to this letter I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX, XXXX # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX A XXXX ACC # MEDICAL ACC # XXXX XXXX, XXXX F XXXX XXXX XX/XX/XXXX XXXX XXXX, FL 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 2016-07-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Statebridge Company
State: FL

Complaint narrative:
As of XXXX XXXX, 2016 XXXX XXXX sold the servicing rights to my mortgage to a company called XXXX at XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, Co. 
XXXX. I have made numerous phone calls requesting monthly mortgage statement and as of today XXXX XXXX, 2016 I have not received statements for XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX payments already paid. This is not acceptable. I want monthly statements reflecting all required infomation ie, balance, date payment received, allocation to interest/principle, escrow balance etc. 
The last phone call I made to the company a customer service person said they are having trouble with a new " Vendor ''. I still have no statements. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation