vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-27 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:
XXXX, Experian, XXXX, XXXX, and XXXX set-up XXXX as a means of delivering disputes from the credit reporting agencies to the data furnishers. XXXX does not work!!!! I have had XXXX for numerous years, and have NEVER received a notification of a dispute. Furthermore, I can document instances, that a negative credit blemish was deleted without XXXX notification ... a clear violation of the Federal Fair Credit Reporting Act. XXXX is JOKE!!!!!!!

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 2015-03-19 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I requested my credit score and paid a special reduced fee for providing the score from Experian. Later, when I found out they had charged me {$21.00} in addition to the {$1.00}, I called them to cancel the charge and the account they said I had opened. Their representatives made me wait a long time on the phone before I could even talk to someone, and even then I found no legitimate reason for the charge. They said it was for a monthly membership but I told them I was not interested in this service. But they said I could not cancel it even though it was the XXXX day of the month-long " service. '' I have no idea what service they are providing and would like my money back.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
EXPERIANXXXX XXXXACCOUNT SHOWING COLLECTION/ CHARGE OFF ( SHOULD BE UNKNOWN ) ACCOUNT WAS INCLUDED IN CHAPTER XXXX BANKRUPTCY FILED XX/XX/2015

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-22 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc.
State: AP

Complaint narrative:
I paid {$1.00} in XXXX for a credit check, and missed their fine print about the additional {$21.00} they planned to charge me after a " trial period ''. It was in very tiny letters at the bottom of the screen, and it 's very clear they have purposefully made the checkout process look different to confuse the consumer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is reporting a Foreclosed mortgage. The property was foreclosed on and sold XXXX XXXX, XXXX ( see attached ). Therefore the Date of First Delinquency was no later than XXXX XXXX. This is reporting past the Federal Statute of Limitations in violation of The Fair Credit Reporting Act. The other XXXX bureaus have removed this. Experian needs to abide by the law as well.

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 2015-09-16 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: WA

Complaint narrative:
The online credit report at XXXX states " XXXX steps to your free credit reports ''. Its is not true, these steps dont work and havent worked for over a year as far as I can tell. After you fill in all the info about yourself they tell you that you must write them. When you write them they tell you some information is missing and you do n't get your free credit report. Why do they falsely tell you its an online credit reporting system when it is not. I got an alert regarding my credit and dont think I have time to wait for all this unnecessary delay. Its obvious, they want to stop doing this by putting these roadblocks in front of people. When is something going to be done about these crooks? I know that Im not the only one this is happening to.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-08 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:
XXXX XXXX XXXX was disputed and they do n't own the debt anymore. So, by law they have no more right to even report anything to the credit bureaus. They left a wrongful dispute on my credit report. The account number is as followed : XXXX XXXX XXXX XXXX sold the debt to another company. But they want give me the proper contact information inside XXXX to talk with someone about the debt. They all ways transfer me to a department and the number hangs up after 5 minutes of waiting. I am given XXXX XXXX ( XXXX ) XXXX email XXXXXXXXXXXX full authority to speak on my behalf please make notes on this case number that will be provided by the CFPB.

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 2015-10-23 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
ExperianXXXX XXXX XXXX TX XXXX : Report # XXXXOn Monday XXXX XXXX I called Experian to dispute XXXX XXXX private student loans. I spoke to the representative to dispute the relevancy of the contract. I had recieved a copy of the contract by XXXX due to a complaint I had filled with the XXXX. The contract has " missing information such as date missing and other identifiable information that is not consistant with my information with their files ''. The name listed on the application is not my birth name. Further, the account number listed on my report is XXXX ... there are XXXX accounts listed with these numbers, the account number specified is listed differently on XXXX correspondence they list account number XXXX. Due to new regulations required by the FCRA account numbers are no longer supposed to be listed as social security numbers or reported to the credit bureas as numbers that begin with social security numbers. 
The accounts were previously unrated and reported previously as " NO STATUS '' in XXXX 2015 that had changed. I request that " no status '' be reported on my file due to FCRA, FCBA, FACTA and other statutory and procedural violations that may have occured. The creditor has over XXXX credit and billing consumer complaints filed online along with SEC and Consumer Financial Protection Burea investigations for similiar or other pertinant issues regarding private student loans currently held by XXXX. ( see link : XXXX XXXXRemedy sought. 
I request that detailed information including names and a description how the previous verification process was conducted per section 607 15 UFC 1681. 
I would like Experian to rienvestigate and the following information herein. 
1. Verify last 84 month account history ( See attatched doc ). 
2. Report the assigned account number provided by XXXX ( acc # XXXX. Valdiate and authenticate information supplied on original contractI request that bot accounts be unrated due to errors and ommisions on the account and credit reports. 

XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I disputed an account on my credit which was investigated by the credit bureau ( Experian ) and concluded. The dispute was concluded. The Creditor company, XXXX XXXX XXXX XXXX, concluded that I owe them for early termination of the account even though I canceled the account in less than 30 days of opening and returned their credit card processing machine to them. I contended that I do not owe them since I canceled the account on time and returned their equipment to them. They insisted that I owe them and concluded the dispute. 
However, they left a dispute comment on my Experian credit as if the dispute is still active even though it has been concluded. I want them to remove and delete the " dispute comment '' from credit since it has been concluded by them after the investigation by Experian. It is holding and preventing me and my wife from our mortgage application process. The banks and mortgage companies said they can not proceed with our mortgage application with the " active dispute comment on my credit. '' I need them to remove the dispute comment only and not remove or delete the account since they insisted that I owe them. The credit bureau ( Experian ) said that it has to be removed by the creditor company since they put it there. The XXXX XXXX XXXX refused to remove it even after I requested them to do so through Experian several times. 
I called the XXXX XXXX XXXX on XXXX/XXXX/15 and spoke the Account XXXX, XXXX XXXX, about removing the dispute comment. She agreed to remove it at start of our conversation. And she concluded with me that she will recommend to Experian to remove it. However when she requested that I pay the debt and I said that I could not, she became angry and probably do n't want to remove it again as she agreed to. It is on record that she initially agreed to remove it as they recorded our conversation. 
I have waited since XXXX/XXXX/15 when I spoke to her up till today XXXX/XXXX/15, ( I just spoke to her again ) and she has refused remove it. She referred me back the Experian to remove it. I called Experian again today and they insisted that the creditor has to remove it. Hence this complaint. The dispute comment has been on my credit since XX/XX/XXXX and has prevented me and my wife from proceeding with our mortgage application. We intended to buy and move into the home by now but we are being stalled by the dispute comment. 

PLEASE HELP ME AND MY FAMILY TO PREVAIL ON THE XXXX XXXX XXXX XXXX, FROM PUTING A HOLD ON OUR LIVES BECAUSE OF THE DISPUTE COMMENT ON MY CREDIT. 
Thanks. 
Sincerely, XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 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:
Experian has fraudulent accounts on my credit report and they are refusing to remove it. They are also claiming they never received my identity theft report, but I uploaded it to their website on two different occasions. The most recent was on XX/XX/2016. 

The fraudulent accounts are XXXX XXXX XXXX and XXXX XXXX. I have never done business with any of these companies. I am infuriated with the credit bureaus for trying to hold me accountable for these a fraudulent accounts.

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 2016-06-08 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: MI

Complaint narrative:
I went to the website XXXX and completed all XXXX sections and when I got to the XXXX section to obtain the reports I received a message stating I would be unable to get the reports online I would have to mail in a request to obtain them. I do n't understand why the site would have me enter my personal information under the guise that I will receive the reports online and then tell me that I ca n't get 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 2016-05-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I had identity theft from XX/XX/XXXX to present with my adopted name and changed it XXXX XXXX XXXX, I change my name, as far everything was working for the good, then in XXXX XXXX finding out that someone wanted to a get house loan or personal for XXXX loan. At XXXX XXXX I login in to XXXX account fount out someone had change my name back to my adopted name XXXX XXXX XXXX, I took all XXXX credit reports and found out there was discrepancy on all three credit bureau so I was directed to the Federal Trade commission with this problems, They help me in a big way, I only had problems with XXXX credit Bureau, Everything was taken off in the credit report, that was supposed to including XXXX account associated with my old name XXXX XXXX XXXX which are in good standing, the only XXXX associated with my new name with XXXX XXXX XXXX XXXX : 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 explanation
Consumer complaint received 2016-06-07 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 received my credit report XX/XX/XXXX because I had finally become financial able to buy my first home. I saw that XXXX XXXX XXXX was on my credit report saying I owed them {$5200.00}. I disputed the account with XXXX XXXX XXXX and all three credit bureaus. Neither the company nor credit bureaus will send me the proof proving I owe the money even after disputing this account for a total of 3 months. I would like for both the company and the XXXX bureaus to send me proof, such as a customer agreement I signed or some kind of promissory note with my signature, ID, and social security card proving its my debt. I would like a detail response as to how the information is being verified, and I would like a detailed payment history, if not I would like for the company and all three credit bureaus to remove the incorrect information from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I received a credit report from Experian and they are refusing to dispute fraudulent accounts that are on my credit report, which they refused to dispute XXXX and XXXX. These accounts have been on my credit report since 2007, though old accounts, they do not belong to me. They belong to XXXX XXXX. I have attached supporting documents in regards to why these creditors should be deleted immediately. They are not my accounts. They are reporting the same accounts as duplicates. I did not live at the address listed on XXXX or XXXX 's application. I have attached documentation to show my addresses almost 20 years. I was not aware of the debt until discovering on my credit reports.

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 2015-08-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
bankruptcy public record and some information that is not belong to me

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Experian is refusing to block information on my credit report that has been asserted to have resulted from potential identity theft. I have filed a police report and thus complied with the provisions of section 605B and have asked for a block of the information. These accounts contain information regarding transactions I never made and thus state an inaccurate balance. I am submitting a copy of my police report, my FTC affadavit, and my identity for 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 2016-01-11 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:
Experian is reporting a tax lien with incorrect information. I 've called and sent in requests for information to be removed with no help. They continue to report inaccurate information which has hurt my personal life moving forward. I have been denied credit and or rental requests due to this inaccurate information. They need to reveal the verification they 've done or remove asap.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I disputed with this credit bureau concerning XXXX XXXX and sent in backup that this debt was in dispute before this was placed on my credit report and was being collected by XXXX different collection agencies. I asked for the backup to how they verified this amount and they did not send me any information just left the insertion on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Please add attached documents or merge this complaint to disputed complaint / case # XXXX Mortgage was reported and discharged by XXXX XXXX. 
XXXX XXXX was never my lender and should NEVER have created a NEWER item in my credit report that will last 3 more years and add an additional negative item to my credit. They have been unwilling to rectify their error and there are close to XXXX other complaints on record with CFPB for this organization.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NH

Complaint narrative:
I have a charge off in my credit report. I have paid the balance with XXXX. They told me they would report to the credit Bureas to change the remarks from Charge off as bad debt to pd in full as agreed. Since the payment company has said the sent the info to Experian, But i have called Experian a few times with the response they can not change my report. I have been working hard to pay past debts. Going forward maintaining a good credit history.

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 2016-09-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Fair collections and out have reported inaccurate information to experian, this information has caused serious damages to my lifestyle. I have sent proof that this information is inaccurate but experian refuses to delete this account. I am being charged for living in an apartment from XXXX/XXXX/15 to XXXX/XXXX/2015 after my lease ended. I have sent proof that shows that this information is inaccurate. I have attached copies of proof that we ( XXXX XXXX and I ) moved and signed new leases on XXXX/XXXX/2015. This needs to reviewed and corrected immediately.

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 2015-12-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am requesting the " method of verification '' under the FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). 
( a ) The name of the creditor ; ( b ) The person 's name they verified the dispute with ; ( c ) The address ; ( d ) The telephone number ; and ( e ) The documentation used to verify the dispute. 
For the City of XXXX XXXX Accounts # XXXX, # XXXX, # XXXX # XXXX each time I dispute theses accounts the company respond " Please contact credit grantor at XXXX and ignores the reason for my dispute. Theses accounts need to be deleted immediately!

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