vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Problem is with Experian Reporting of account status. 
Received a judgement ( Attachment A ) for an account with XXXX XXXX and the judgement was paid in full, satisfied in XXXX, XXXX, filed as such in XXXX, XXXX. 
The paid judgement is shown by Experian in XXXX/XXXX/XXXX report ( Attachment B ). 
XXXX repeatedly has told me they have reported nothing on the account since XXXX, XXXX, when it was charged off. 
In XXXX XXXX, Experian shows a " failed to pay '' in the payment history for the account. My FICO score dropped about XXXX points. I disputed this as an error in XXXX XXXX. The result was an additional " failed to pay '' as of XXXX XXXX. Again, I lost XXXX points on my FICO score for a late payment. 
I called Experian and asked how a dispute could do additional harm to my credit, how disputing an error, leads to an additional error, further damaging my credit. I was told, " that happens sometimes. " In summary, this is an account that was adjudged, satisfied in full, and closed out in XXXX, XXXX. There is nothing left to pay. If I did send more money, sound accounting would require XXXX to refund it! Yet, I am XXXX accused of late payments by Experian, which XXXX denies reporting. 
I asked an Experian representative about requesting a Method of Verification, but was told the source would be XXXX. 
In our system, our lives are significantly impacted by our credit. Like many Americans, I was devastated by the housing crisis and recession, and my credit was damaged. I have made restitution and/or settled with my creditors as proscribed by law. Experian appears to take there responsibility lightly, as they reject logic, and punish consumers for disputing their errors. This account is paid and charged off, and I can not possibly have a late payment two years later. 
XXXX denies reporting anything, and I can not dispute it, for fear of doing myself further damage. It appears that having performed equitably within the system, I am wrongly held back from trying to recover my credit status. The system is not working, so I turn to this agency to please help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-02 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I was told by XXXX that, I have house which is n't true,. I applied for apartment and I was denied due to inaccurate information, of credit reports. Also inaccurate residential verification.

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 2016-03-15 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I 've had my credit acquired by someone else and purchased timeshares in my name XXXX and XXXX, that are not mine and I have never claimed them. I 've tried to dispute with the companies and credit bureaus themselves, along with submitting my Government ID and Social Security Card mailed in. I have several Inquiries that I have disputed but to no avail and a Collection and Late from XXXX which was Paid in Full ( see attached ). 

This is the list of inquiries on my credit report. Mortgage Reporters I 've only allowed XXXX mortgage company to check my credit for a mortgage FACTUAL XXXX. I have not went car shopping, and do n't know why it 's on my credit report. 
XXXX & XXXX XXXX XXXX XXXX CREDIT PLUS XXXX XXXX XXXX XXXX XXXX XXXX LOANS, IN I 've disputed all of these things but they only ask me to resend my Government ID and Social Security XXXX, yet again. I submitted it the first time with the dispute.

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 2016-02-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
XXXX Bank pursued me for a {$140.00} charge that I supposedly had not paid. But I h ad. They recently admitted in writing to me that they had received the payment and had failed to cash it! They had already made a report to the crediting agencies, which resulted in harm by 1 ) reducing my credit limit on other card and more significantly 2 ) interfering with my ability to attain a reasonable rate on a mortgage loan application. 
My last communication with XXXX ( sent via certified mail ) remains unacknowledged and unaddressed. My credit score remains damaged.

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 2017-01-22 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:
On several occasions, I mailed letters to all XXXX credit bureaus. 

XXXX I requested that the following inquiries be removed. I have not obtained credit with them & they are fraudulent. 

XXXX mortgage : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX : XX/XX/XXXX I also forwarded a letter from the creditor for XXXX XXXX about alleged late payments. They were unable to verify my late payments and forwarded me letters to send out to each bureau, they refused to update the account. 

Address XXXX XXXX XXXX IS NOT MY ADDRESS Address XXXX IS NOT MY ADDRESS EXPERIAN I requested that the following inquiries be removed. I have not obtained credit with them & they are fraudulent. 

XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX I also forwarded a letter from the creditor for XXXX XXXX about alleged late payments. They were UNABLE TO VERIFY my late payments and forwarded me letters to send out to each bureau, they refused to update the account Address XXXX IS NOT MY ADDRESS Address XXXX IS NOT MY ADDRESS XXXX Inquires were removed then added back to my credit report. They did notify me when adding them on. This is a violation of the FCRA. 
I requested that the following inquiries be removed. I have not obtained credit with them & they are fraudulent. 

XXXX : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XX/XX/XXXX : XX/XX/XXXX ( they submitted a letter of removal to the credit bureau and they still have n't removed this ) XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX I also forwarded a letter from the creditor for XXXX XXXX about alleged late payments. They were UNABLE TO VERIFY my late payments and forwarded me letters to send out to each bureau, they refused to update the account Address XXXX IS NOT MY ADDRESS Address XXXX IS NOT MY ADDRESS Due to the delay of the credit bureaus response, I have been forced to freeze my accounts until this matter is taken care of. 

I am an XXXX Service Member Currently XXXX since XX/XX/XXXX. I had my power of attorney take care of the credit matters and they have n't gotten any response. It is appalling that serious matters like this are dealt with no sense of urgency and nonchalantly. Please contact me at the earliest convenience to deal with this matter. 

Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-05 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: TX

Complaint narrative:
Experian continues to deny me access to their online dispute feature. It 's been like this for the past couple of months. 

Each time I attempt to begin an online dispute, upload supporting documents, or gain access through a third party credit monitoring subscription program, Experian redirects me to a message stating " for security purposes we ask that you mail us your documents along with a government issued ID, etc. ". 

That message is getting extremely intolerable for me and I have my personal contact information to update, accounts to claim full responsibility on, account information to correct, and supporting documentation to provide along with it. 

Experian has by far the worst online dispute feature out of all three major credit reporting agencies. 

This must be changed. Surely I am not the only one experiencing this inconvenience. 

Experian expects an individual without a source of income, or available funds to go out to a store and purchase mailing envelopes and mailing stamps. 

I am unable to send Experian my information by mail because I do not have the money to purchase the items necessary to proceed with my dispute they 'd like to have mailed rather than submitted online. 

I would like to apologize to Experian for submitting this complaint against them, but they must realize that some individuals like myself, will not tolerate their delays they cause us with updating, and correcting our reports accordingly. 

I will pursue Experian 's online dispute feature correction of " security issues '' for myself, until I no longer have these error message pop up after clicking the submit button once I 've entered in my personal 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 2016-03-30 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 sent me my most recent Credit Report dated XXXX XXXX, 2016. Unfortunately my previous disputed inquires have not been removed. The same inquiries have been properly investigated and removed within the time period while Experian is using delay tactics to resolve the matter. The following inquiries are being disputed : XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX ( 2 TIMES ) XXXX # XXXX ( 2 TIMES ) XXXX XXXX BANK # 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 XXXX # XXXX Please note that for some of the mentioned disputes have been made known to Experian since XXXX 2016. Experian has not complied with the 30 day period as per the FCRA.

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 2016-06-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I received a written letter from XXXX XXXX XXXX XXXX XXXX regarding an account with XXXX. The written letter offered the option to call XXXX XXXX XXXX XXXX XXXX which would allow me to pay my account in full. On XXXX XXXX, 2016, I paid {$140.00} on the phone on which was withdrawn from my bank account ( please see attached bank statement ). I was told I would receive a letter confirming payment in full within 5 days. I have not received the letter confirming payment and the account is still reporting on my Experian Credit Report as OPEN, UNPAID and " Seriously past due date/account assigned to attorney, collection agency, or credit grantor 's public collection department '' ( please see attached Credit Report excerpt ).

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 card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I received the best buy credit card with zero interest for 24 months. I paid most of it but did not realize it ended. All of a sudden they add {$800.00} to my account. Saying I missed the deadline. I asked how much did I owe. They said XXXX dollars. So they told me they will remove it if I pay the XXXX dollar which I paid immediately. They said this is a one time lifetime courtesy. They said 2 billing cycles to apply. Today I call up and I am told that I have to pay. No one informed me and I saw the whole card of what I owe is the extra interest. I asked why. They said the request was rejected to remove the XXXX dollars. So I asked why did they tell me it was a one time occurrence and have me pay XXXX dollars if they were not going to do it? They just refused. I think it is unfair. I think I was misled and basically told to bad you have to pay. I just feel I did n't pay XXXX dollars and they charge me XXXX is horrible. so I feel mislead.

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 2016-12-02 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent a letter to Experian, stating that the listed items were not being filed accurately on my credit report. I stated that I needed them properly verified and they were not. I was also told in the response letter that they would not re-investigate. 

As a part of FCRA ( Fair Credit Reporting Act ) they did not provide me with information that was transmitted to the data furnisher. They did not inform me of who they spoke with, the date, how long was the conversation, what was their position, what number did they call, what was the name of the employee that spoke to the creditor, what was the position of the employee that spoke to the creditor. This inaccurate reporting has caused me emotional distress and hindered my job search.

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 2016-12-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
I have called numerous times, and sent a letter to XXXX XXXX XXXX, some company named XXXX XXXX XXXX, and XXXX, requesting they send proof of account ownership or a signature card with my signature on it. After repeated attempts at calls made, a letter was sent XXXX XXXX, 2016 to each institution, I received a response letter from the Office of the Comptroller of the Currency dated XXXX XXXX, 2016 stating they had forwarded my complaint to your agency. I have made several attempts to have these XXXX accounts with the institutions listed above to remove derogatory information being reported continually on my credit report without any success. I have correspondence from XXXX stating they have declined any further action for the past three years, however it still remains on my report as currently in default, and subsequently negative. I would like assistance with addressing these accounts as listed above as soon as possible. Thank you for your help in getting this problem resolved!

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 2016-07-11 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:
About 2 years ago the bureaus dropped my credit score from about XXXX to XXXX claiming i opened too many lines of credit too quickly. However, Its been 2 years of on-time never late payments on all my accounts and my score is the same and refuse to recalculate it to account for this. Also there are XXXX judgments that are over 7 years old and need to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-08 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:
Experian received a letter from me in XXXX questioning accounts I feel are inaccurate on my credit report. They never responded to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-15 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:
XXXX, XXXX inquired on my account recently and within a few days of that Inquiry I rec 'd a credit card from an online retailer of consumer products. THIS must be more than a coincidence ... I did NOT request a credit card from any online retailer AND I have destroyed the card and requested the card company to notify all credit reporting agencies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Experian online dispute system stated all documents were received. After 2 weeks XXXX & XXXX had updated the item as judgment satisfied. I checked my credit report with Experian it was still on the report and did n't show in disputed status. I called them and was told they never received anything form me or no uploads to there site were found. The customer service person entered the dispute and my complaint about the system on XXXX/XXXX/16. She stated they would call me on XXXX/XXXX/16 between XXXX-XXXX. I never received the phone call. I called Experian back, I talked to a different agent and was told it could take 30 more days to do the dispute and they did not have time for call backs. He would re-file my complaint about there system but that they were not responsible for the website that was another departments issue. They stated if the system does n't show an upload they would not investigate the issue and were not responsible for information entered on the site. This is complete mishandling of PII ( Full name, SSN & DOB ), especially from a credit bureau. According to their representatives they are not responsible for any information that you give them over the phone or via their web-site. How is this possible? I request information into what happened with my PII and my claim file via there websites on-line dispute center and document upload site. I also would like the dispute done with XX/XX/XXXX-XX/XX/2016, due to the miss handling of my online dispute and PII.

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 2015-08-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Experian is reporting fradulent debt that does not belong to me from XXXX XXXX XXXX for the amount of {$160.00}. I called to verify and they told me it was for a person living in Virginia a place I have never lived for a debt from 2004. I also called XXXX and they could n't understand how they came to the conclusions of amounts, debtor and " Date Opened '' they have listed because the record they pulled does not show the same information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XXXX/XXXX/2015 on EXPERIAN CREDIT REPORT. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-25 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
someone used my name, my daughter 's name and our socials to file income tax. 
Also someone tried to use my social to obtain credit cards I filed police report, due to some of my personal documents were missing from my apartment at prior address in XXXX Also filed Identity theft affidavit

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have XXXX XXXX accts that have been sold to a XXXX party collection agency. Negatvies being reported by XXXX AND the new company ( XXXX XXXX ). so, instead of XXXX delinquent entry, all credit reports reflect XXXX delinquent entries. I feel this is a double jeopardy scenario. I do not feel that any of the XXXX major credit reporting bureaus have done anything to help me. they have attempted to pacify me with phone calls and offers of reduced rate credit monitoring services. they have done nothing to actually resolve my dispute up to and including investigation into my issue.

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