vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-16 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have sent Experian XXXX certified letters asking them to verify that items being reported on my credit report be verified correctly under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). They have also failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 
They continue to respond that the items listed have been verified yet ignore my requests to provide copies of original documents with my signature on 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 explanation
Consumer complaint received 2016-07-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the XXXX " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

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 2015-05-30 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I looked at cars at XXXX XXXX in XXXX XXXX. 
After I was pressured into signing a paper I immediately asked the sales rep to cancel my application. 
XXXX XXXX ran my credit to various lenders without my permission and now the Credit Companies refusing to remove the inquiries. 
This is fraud.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-25 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
When trying to acquire my free annual credit report, I first went to freecreditscores.com and quickly realized that Experian was going to try to enroll me in a " Trial-membership '' if I asked for my report. I exited and learned I should go to XXXX. I entered the required information and ended up on the Experian site which offered a Credit score for {$1.00} and/or the free report without membership. I did not see anything about this trial membership at this point. There were other offers that were obviously paid offers. I paid the {$1.00} and received the Experian credit score but did not receive any type of receipt for my payment. ( but I did 7-days later for the {$21.00} ) Had I scrolled up the page from where it started, I would have seen the " Important Information '' about the trial membership. Also not included in the " Important Information '', is a statement at the very bottom of the page stating " ** The credit monitoring benefit may only be available for 5 days during your trial period since enrollment can take up to 48 hours. You may cancel your trial membership any time during your first 7 days without charge. '' ( If you call their customer service and hear the sales pitch ) You have to scroll down past all of the graphics and ads to find this. No reason it should not have been included in the " Important Information '' directly and is clearly a deception. In the " Terms an Conditions '', membership is mentioned but no mention of an automatic trial membership and charge. I was on the look out for schemes such as this and was still duped. Experian should be dropped as a credit reporting agency and a part of the federal free annual credit report program. It is only a trap for a company that profits from the sale of credit information to third parties. That 's just my opinion. I hope you can stop this as this has gone on for years with a slap on the wrist.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-24 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX has my XXXX XXXX as XXXX as reported by Experian, this is totally wrong! Therefore, I was charged a high deposit to establish service with XXXX XXXX. I called every number to speak with someone at Experian and all I get is automated and no customer service. My score is XXXX, and I have had to put out more money on deposit than I should have. XXXX XXXX won'y take any responsibility on the matter so I have zero help on both ends.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have disputed A fraudulent account with Experian, and an account with invalid late payments With all XXXX bureaus. I contacted both agencies and they verified that they were not reporting these inaccurate items to the credit bureaus, All XXXX of the Bureaus have failed to send any verification for the accounts. Experian has blatantly refused to further investigate the accounts in question. They have an inccorect account reporting of a bankruptcy on my credit that is causing harm to my credit and denials of credit because of this notation. The account is not mine it was reported as fraudulent to the bureaus they refused to remove it and it is also not even a bankruptcy on my credit. So they are incorrectly reporting these things to my credit.

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 2015-03-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am attempting to have a tax lien withdrawn from my Experian credit report. I 've attached documentation to support my request. I have n't been successful when I 've disputed to have my file updated.

Company public response: Company 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: TX

Complaint narrative:
There are XXXX XXXX accounts that I know are past the statute of limitations, this agency is trying to advise me they will not honor my request nor remove the items. This is against the FCRA. These items have been re aged and I want removed. XXXX XXXX and 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 2016-10-11 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 have contacted expertise several times for over XXXX hard inquires in which only XXXX is mine with a credit card and XXXX with XXXX car loan. all the other inquiries not mine.

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 2015-06-08 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 opened an Identity theft case with the Federal Trade Commission Case FTC - XXXX. I also have a police report ( XXXX Police department XXXX ). The police report contains all of the details of all the fraud, identity theft and harm that has been caused to me. I have been struggling to clear the damages with friction from Experian. I was guided by the Federal Trade Commission to open a new case with the CFPB to resolve this matter. 

I had written the Collection Agency XXXX XXXX for an allege debt for XXXX XXXX account XXXX ... USPS Tracking XXXX on XXXX XXXX, 2015 requesting validation for this allege account and received no response from the collection agency. 

I have brought the fraud and the lack of validation to Experian XXXX times, ( USPS Tracking XXXX received XXXX/XXXX/15 ), ( USPS Tracking XXXX received XXXX/XXXX/15 ) as well as ( XXXX XXXX received XX/XX/2015 ) on the fraud and lack of validation by the collection agency and requesting to delete this account from my credit file. 

Experian repetitively delay the process by doing an investigation and responded on report number XXXX with a simple response UPDATED and no additional information, After re-escalation, on XXXX XXXX, 2015 Experian responded on report number XXXX with " unless you send us additional relevant information to support your claim, we will not reinvestigation this information again ''. Fraud or lack of validation within the require 30 days should not be reported on my credit file. If a collection agency does not validate an allege debt within the 30 days time frame, the account needs to be deleted from the credit file, or if the account is caused base on fraud it should not be reported on my credit file. Failure to correct the reporting of this account is a direct violation of the FCRA. 




Attached : copy of the debt validation letterletters to experianExperian reporttracking informationFTC casePolice Case

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18 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:
Experian Credit Reporting Agency continues to report inaccurate and false account information from both XXXX XXXX XXXX and XXXX XXXX that I have repeatedly and desperately trying to have removed and completely deleted based on the numerous and legally binding documentation that I have submitted to XXXX the creditors and Experian proving that I was a victim of Identity theft in 2014. I had a credit fraud alert in place at the time that these accounts were opened fraudulently and without my written or verbal authorization. I was told by the representative at Experian that although it is advised for they credit companies to verify with anyone who has a fraud alert in place with any activity associated with their person and private information. " They are not obligated to do so, its not the law ''. Therefore I feel as Experian is violating my consumer rights to report accurate information by continuing to report that these accounts are in collections and XXXX past due without proving that this is accurate. I have PROVED over and over again that I not only did not open any of the accounts that I am disputing, I did not live at the addresses they have provided Experian, and I have far beyond provided multiple forms of documentation proving this. The companies that Expieran is reporting information have not provided me nor them with ANY documentation or proof that I was the personal initiating any accounts with these companies. They continue to deny my request for a verbal or signed consent from me to be able to continue to ruin my life with the inability to qualify for a home loan and now I have been denied for financial aid for my son 's tuition to attend school next year. PLEASE 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 2015-05-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian is illegally reporting XXXX accounts that passed thethe 7 year reporting period and XXXX accounts shouldbe deleted immediately.I have disputed XXXX accounts. 
these XXXX accounts have surpassed the 7 year periodXXXX ) XXXX XXXX XXXX - # XXXXThis account was to be removed XX/XX/XXXX 
Experian re-aged to be removed in XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX - # XXXXThis account also is illegally reporting after 7 yearsand should be removed immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I became a victim of identity theft during the beginning of XXXX 2014. My drivers license, XXXX 's and personal information was taken from my mail box. As a result I reported this information to the IRS immediately. The IRS gave me steps to take which included contacting all XXXX credit bureau 's to add fraud alerts to each credit agency and to freeze my credit due to identity theft. These steps were taken with each credit agency. This became a problem because the credit agency 's still allowed individuals access to MY CREDIT REPORT in which they added an enormous amount of fraudulent information. I stressed to the credit bureau 's not to let anyone into my credit report without a pin but I was told that someone had called pretending to me, so the credit agency 's gave him a pin which allowed them to add more fraudulent information. I will have to go through disputing items on my credit reports repeatedly. My credit reports started turning into open books of fraudulent information that was totally unrecognizable to me. The credit bureau 's would promise to fix everything and not to contact anyone about this, but it did n't happen. The last time I saw my credit reports were in XXXX 2014 because the information on them was fraudulent. My CREDIT SCORE at one point were in the XXXX and in XXXX 2014 they were extremely low. People still continue to go into my credit reports and report fraudulent information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Initially I disputed an account, which came back verified, I believe the that the investigation is questionable.

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 2016-02-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
The reason for my complaint is because this debt was added to my credit report without a debt validation letter. I do not agree that I owe the creditor that the collection agency is attempting to collect the debt on behalf of. I feel that the creditor concocted a debt and sent it to a collection agency without sending it to me to avoid me questioning the debt. I feel the creditor did this because I chose not to extend my lease, even after they offered to reduce my rent. When I originally signed my rental agreement, this home was owned by XXXX.It was later sold to XXXX while I was still under lease agreement. At the end of my lease, I chose to move. I was not aware that this company reported a debt to a collection agency until I attempted to advance in employment and a credit report was pulled. I have sent numerous request to the collection agencies to remove this item, but they continue to find the debt valid. On XXXX XXXX, 2015, I sent a debt validation request to the collection agency, but they have not responded. I sent the letter by regular mail, but I know that the letter was received because I requested that they remove a duplicate item from my report and the item was removed. Please assist me with resolving this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Wanted to add more info reguarding my complaint on EXPERIAN REPORTING AGENCY HERE IS COPYS OF ALL MY CERTIFIED MAIL RECEIPT THAT I HAVE SENT THEM ASKING FOR THE FCRA SECTION 609 INFO AND AS YOU CAN SEE THEY HAVE FAIL TO COMPLY..

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 2017-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Io, Inc.
State: TX

Complaint narrative:
I was a victim of identity theft and noticed a collection from RECEIVABLE MANAGEMENT I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against RECEIVABLE MANAGEMENT in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed
Consumer complaint received 2016-04-04 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is improperly sharing my credit report after receiving the police report that I am a victim of identity theft. Furthermore, they will no longer give me online access so I can monitor any further credit inquiries on my 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 2016-03-06 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Guglielmo and Associates
State: NV

Complaint narrative:
XXXX XXXX, after account was settled and paid off, still claimed I owed them money, kept harassing me and brought great damage on my credit score and emotional health, in 2006. 
And this time, kept threating me to with continuing attorney placement pending letter includes phone # collection, which is completely unnecessary. then right after that the company ( Gugulielmo & Associates ) sent me letter stating 'This firm is acting as a law firm. ' I have disputed and demanded verification and in response, they sent me only statements, not original agreement on terms I have signed up, nor application for the card, despite of my request. The statements show many interest and late fees charged. seeking and charging interest and fees without clearly defines 'the term of this extended line of credit and my permission to them to charge those/agree to pay ' in the original contract I have signed up is a violation of FDCPA. 
Then XXXX sued me, so I called to Guglielmo, their Automated answer says, " This firm is not a Law firm, Debt collection agency. '' This is clearly confusing and misguiding consumers, which is another violation of FDCPA. 
This XXXX XXXX and Guglielmo, Collection agency claim to act as a Law firm must be punished for their act of deceiving public.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I found on my Experian Credit Report hard inquiries that I did not authorize. I contacted Experian to remove these from my report and they refuse stating that the inquiries are a factual record. I have tried several times to get these removed since I did not authorize but Experian continues to not remove. These inquiries are from 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 2015-06-08 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I disputed an item on my Experian credit report, reported by XXXX XXXX which has been sued by NC Attorney General the CFPB, FTC and several States for trying to collect money on loans that consumers did not owe. Even after i supplied Experian with all the supporting documents they refused to delete this item. They sent me a letter stating that they would not investigate this item any more. What else do they need.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I sent a letter to Experain disputing an inaccurate address information currently being reported on my personal credit report as inaccurate and erroneous on XXXX XXXX, 2016 certified mail, return receipt requested. I received notice in the mail that you received the dispute XXXX XXXX, 2016. It is now XXXX XXXX, 2016 and I have not received a response from Experian. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If Experian can not LEGALLY VALIDATE the information within the 30 day time period, Experian must delete all of the disputed accounts from my report. Experian must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item.

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