vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-16 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:
Experian refuses to delete a fraudulent account that has been reported to the alleged creditor as fraudulent, and which the alleged creditor has agreed is fraudulent and removed from its records. The creditor is XXXX XXXX and the Account Number is XXXX .... Experian refuses to remove it even though I have given Experian the fraud file number generated by XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX account was paid in full in XX/XX/XXXX, but on experian report i have 30 days late on XX/XX/XXXX, which is not possible to be true because loan was closed and paid in full in XX/XX/XXXX Disputed a few times, but experian said verified, Please see in atachment proof.

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 2016-02-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian In CFPB complaint XXXX and XXXX stated that XXXX XXXX XXXX which appears on Experians credit report with account XXXX ... had each time Experian contacted XXXX XXXX XXXX verified the debt and noted that I disputed the account. However, the fact that XXXX XXXX XXXX which lists a XXXX, XXXX XXXX MN XXXX and which the Minesota XXXX has confirmed that all mail to that XXXX is returned as non-deliverable lists an address identification number XXXX which belongs to XXXX needs to be clarified. This is the first time I have ever seen a company use another companies address identification number without authorization and suggests that XXXX XXXX XXXX does not have an address identification number with Experian which also would indicate they are not authorized to place any account with Experian. I have no doubt when Experian investigates the unauthorized use of XXXX XXXX address identification number Experian will delete this account from my credit report or at the very least provide and explanation as to why a company in Minnesota is using XXXX address identification number.

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 2017-02-28 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: UT

Complaint narrative:
I 've tried to access my report to no avail. I '' ve also tried to dispute. Each time these have been tried the computer pages just loop back and forth and there are no options to continue. Phone calls just go to a very long wait time that never gets answered. They sent me a report in the mail but no access to see it again online or disputed wrong items are available and they do not answer or respond. They 've made this difficult on purpose to not have to do anything they 're supposed to be bound by law to do. This is fraud at it 's finest. It always reverts back to a page to pay them for the info. or dispute. Can you say extortion along with fraud? Why is this allowed? Why can any company make a report to anyone 's credit and give whatever info. they want, but for us to dispute that defamation is not only almost impossible, but they the bureau 's want proof and personal info. none of their business to supposedly confirm ID? No ID to file a report, but ID to fix it ... ..something is bassackwards here ... ... .then next to impossible to even try to fix fraud and correct the info ... .oh my ....

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 2015-07-23 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I have several issues on my credit report I am trying to get removed. I have XXXX alleged debts that have been reported on my credit report for about XXXX years. Both of these debts are debts I did not make, do not owe, and want off my credit report. The problem is, how do you show proof that you do n't owe a debt. I do n't have documents that say debt X is XXXX I did not make on XXXX XXXX, 2010. XXXX of these alleged debts is from a cell carrier. I paid and closed the account. About XXXX months later I received a bill for XXXX months of service after I had paid and closed the account. Another is from my previous auto insurance. They paid me on an insurance claim and then some months later sent me a bill and claimed they paid me a XXXX and change too much and were demanding payment or they would send me to a collection. I do n't owe them anything. They paid me what was owed. I 've attempted to dispute both of these with Experian and they refuse due to it being a " frivolous '' dispute. I have to send them supporting documentation stating I did not make these debts or they do n't belong to me before they will consider proceeding with a dispute. I 'm puzzled as to what to do at this point.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-08 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In XXXX 2015 I was shopping for a vehicle. In XXXX 2015 I pulled mycredit report and noticed several unauthorized inquiries on my XXXX report. I sent a dispute regarding the unauthorized inquiries toExperian on XXXX/XXXX/15. I have not gotten a response from Experian. 
Pulled my credit report XXXX/XXXX/15 and all unauthorized disputes are stillreflecting on my Experian credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have attached the correspondence that was sent to XXXX Experian and yet they still do not respond and it 's been over 45 days. Experian has refused to send any correspondence even after speaking with them on the phone.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Inaccurate information on credit report XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Experian credit report prepared for XXXX XXXX XXXX Your report number is XXXX Report date : XXXX XXXX, 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 2016-04-07 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: CA

Complaint narrative:
I have made several attempts to access the Experian Online Dispute site. In addition, I have made attempts to access my annual Experian report online. However, I am continually unable to login via my information or report number in the Experian Online Dispute Site. I have been able to only login on one single day recently, though when I entered the same information the following day Experian has an error message and will not allow me to access the site. 

I have sent three letters to Experian over the last two years regarding this ongoing issue. Experian representatives at their call center indicate they do not know who manages the Experian Online Dispute Site and that no one can assist me in troubleshooting the ongoing problem. 

One representative told me Experian limits the number of time you can login to dispute items within a certain time frame to prohibit users from abusing the dispute site to view their credit reports. Two representatives told me they know the number of times but will not tell consumers the number and time span.

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 2015-04-15 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 placed an initial fraud alert with the credit bureaus since I have been the victim of identity theft. Experian will not give me a credit report for free as the victim of fraud. They either direct me to a page to pay for my report or to XXXX.com. Since I am the victim of fraud I am due a free report without using my free annual request.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-15 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 disputed the following accounts with Experian on numerous occasions : XXXX XXXX XXXX ( XXXX accounts ) and XXXX XXXX XXXX XXXX ( see attached documentation ). The XXXX does not belong to me yet this bureau continues to report this inaccuracy. This reporting is in violation of my consumer rights. I have furnished them evidence that proves the account belongs to someone else and not me. The XXXX has reported incorrectly since it was placed on my report. How does a collection account have terms. I never entered into a contract with this company. Additionally, how does a collection account have a past due amount. I never entered into a contract with this company nor have I ever did business with them. This account is reporting as though it is an original creditor and I have never did any transactions with them. I have brought this to the attention of Experian on numerous occasions, yet they still continue to violate my consumer rights and report this inaccurate 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 2015-11-25 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:
The accounts XXXX and XXXX ( ANY AND ALL ACCOUNTS REPORTED UNDER XXXX XXXX XXXX ) are in violation of the FCRA as they are knowingly inaccurate under 623 ( a ). XXXX XXXX XXXX has not done a thorough investigation as to the validity of these accounts and they have already lost in court over one of them. I have retained an attorney and will be commencing litigation with them over these accounts if a thorough investigation is not completed and documentation provided as to ownership and original contract information for both of these accounts. 

The Credit Reporting Agencies will not provide the information afforded in my rights under the FCRA 609 ( a ) ( 1 ) and now XXXX XXXX XXXX is gaming the system to punish me for beating them in the courts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: AUDIT SYSTEMS,INC
State: OH

Complaint narrative:
A company called XXXX XXXX XXXX has called my mobile number listed above XXXX times since XX/XX/XXXX. When they called today I called back once no one would say anything when I answered. The representative stated that this was an attempt to collect a debt etc. I asked her what who was the company that she was calling for and she stated XXXX XXXX for XXXX XXXX. She said that I owed a {$30.00} service fee for a returned check fee for a check that was presented in XX/XX/XXXX. She stated that the principle amount was paid but the service fee was n't paid by my bank when the check was resubmitted. I explained that I had already addressed this last year with XXXX directly and since I was XXXX and the check was paid once they resubmitted it to my bank, they would wave the service fee. I asked her for the contact information for her agency to send a letter that I am protected under the Fair Debt Collection Practices Act 15 U.S.C. section 1692 ( c ) so that they would quit contacting me, she refused. She stated that the Fair Debt Collection Practices Act did not apply in this case and refused to give me the address to the collection agency. She stated that I can address it once she sent me the bill for this collection and she hung up on me. She was very threatening, rude and unprofessional once I stated that I had addressed this last year and what my rights were under the above stated Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 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:
On XXXX/XXXX/15 I disputed several accounts on my Experian and XXXX XXXX credit reports. 
XXXX/XXXX/15 XXXX deleted XXXX accounts ; XXXX duplicate XXXX and XXXX collection accounts and XXXX old XXXX account XXXX/XXXX/15 Pulled Experian credit report which still shows the XXXX accounts above

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In 2010 I was forced to move because of my job. The bank attempted to foreclose on my home without any late payments and would not allow me to rent my home to anyone. The deed of trust said I had to live in it. The mortgage counselors said I had to miss payments in order to gain protection from the law. I had to fight the bank and the final resolution was a deed in lieu with the understanding that they would correct my credit bureau. They did not correct it and it is currently reporting as a foreclosure. I have disputed this information repeatedly and spoken to the bank but I have no resolution to this 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 explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Did not provide validation that is competent evidence bearing my signature. No evidence showing contractual obligation.

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 2017-01-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am not sure how to go about requesting this type of change to my credit reports. Currently they all show that I have a credit history of 14 years when in fact it should be around 24. My credit score is listed as being adversely affected due to the shortened reporting and it leaves out payment in full of 2 mortgages, 2 car loans, and a student loan. Is there any way to have these items restored to 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
Consumer complaint received 2017-03-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX was contacted several months ago to notify the merchant that there are two accounts listed on my credit report ( when I only had one account with XXXX ) that has been paid off and closed. 
XXXX account ( XXXX ) - This collection is listed twice on my report- XXXX was requested to remove the duplicate collection item. 

C. Additionally, please change the comments about the account to note that the account was closed by the consumer ( not creditor ) due to termination of services.

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 2016-02-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX XXXX DOB XXXX/XXXX/1968 ESCALATE THIS TO YOUR LEAGLE DEPARTMENT IT HAS AN ORDER THAT MUST BE FOLLOWED TO REMOVE THE BANKRUTCY THIS HAS BEEN IGNORED I NOW HAVE THE COMPLET ORDER READ PAGE XXXX OF THE ORDER. 
DO NOT USE E- VERIFY OR XXXX XXXX YOU MUST READ ALL DOCS XXXX. Old address on page MUST BE REMOVED REMOVE ALL FRAUD ALERTS AND REMOVE ID SECURTY ALERTS I DID NOT ASK YOU TO PLACE ON MY REPORT. 

BANKRUTCY MUST BE DELETED VIA COURT ODER SEE PAGE XXXX OF ORDER I HAVE SENT YOU THE COMPLETE ODER AND I AM IN THE SETTELEMENT DOCKET # XXXX CASSE NUMBER XXXX YOU CAN CALL THE COURT AT XXXX TO VERIFY ORDER TOWER FED XXXX XXXX ALSO MUST BE REMOVED VIA COURT ORDER READ ORDER IN CHAPTER XXXX FOR STATE OF VA.

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 2016-03-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I have disputed with the credit reporting agency Experian with no help. While there are still a lot of errors on my Experian credit file I am not offered the opportunity to continue disputing the matters because they said the investigation were completed but the results remained the same so I do n't think that they invested throughly.

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 2015-07-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Last Fall I discovered two " hard '' pulls on my Experian credit report, from a business by the name of XXXX XXXX XXXX. I never had any dealings with the company, and they never received my authorization to pull my credit. Because XXXX XXXX XXXX never responded to me directly, a Better Business dispute was filed in addition to complaints with both the XXXX and XXXX Attorney General 's Offices. 

Experian responded to the BBB dispute, and removed the two hard pulls in XXXX. For some reason these hard pulls were put back on my Experian credit report last month, and they should not have done so.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-08 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:
Experian has placed 2 unknown entries on my credit from a collection agency company called XXXX back in XX/XX/2016. I have disputed the validity of the debts because I know nothing about them or whom they belong to.The accounts were removed and the following month ( XX/XX/2016 ) and Experian placed the accounts back on my credit. I was never notified by the original creditor nor have I ever been contacted by XXXX. I have also sent XXXX certified letters and I have been ignored. I am so depressed because the unknown accounts have damaged my credit score and ruined my chances of obtaining financing that I desperately need to help my family and I move 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 non-monetary relief
Consumer complaint received 2016-02-19 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: TX

Complaint narrative:
Experian deceptively led me to give my CC for charging to me credit report. They did not give any information on the service they are providing and how and which number to call to cancel, or that they have charged my CC. Their WWW deceptively gives information forcing you to give your CC as if it is required to give you the credit report and then without notice they charge your CC, Request made to cancel the service is very aggressive. Calls are dropped, that 's what happened to me and they refused to refund me later call, when I saw the charge on my checking 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 2016-07-09 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: ME

Complaint narrative:
I am filing this complaint because my requests have been ignored by Experian. As my requests to be provided with documents that their company has on file that was used to authenticate and verify these accounts has been ignored, these accounts should be deleted immediately, under Section 611 ( 5 ) ( A ) ( i ) of the FCRA - " they are required to promptly delete all information which can not be verified with accuracy within 30 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