vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX posted on my credit report {$1300.00}. I spoke with the collection agency XXXX XXXX in XXXX 2015 to settle my account. XXXX XXXX offered me a settlement of {$790.00} which includes two payments of {$390.00} to be ACH from my checking account per XXXX XXXX. One payment of {$390.00} was deducted from my account XXXX/XXXX/2015. the remaining payment of {$390.00} was supposed to be deducted by ACH as well on XXXX/XXXX/2015. Payment was not deducted. I called XXXX XXXX and received only voicemail each time. XXXX decided to send my account to another collection agency ( XXXX ) to come after me for the remaining balance of {$910.00}. Credence posted immediately on my Experian credit report {$910.00} after sending me an offer settlement of {$850.00}. ( in which i had already settled with XXXX XXXX ). I forwarded XXXX the attached documents that a settlement and payment was made through XXXX XXXX and another was supposed to have been made on XXXX/XXXX/2015. XXXX asked that i forward the information to the email they provided me. I did and now they are requesting the additional payment that should have been made in XX/XX/XXXX in order for them to remove the incorrect balance off my credit report of {$910.00}. What seems to me is that XXXX is using different agency to collect from me after settlement has been made. I have uploaded documents in reference to this complaint and hope you can assist.

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 2016-08-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian altered my personal statement that I requested be placed in my credit file. I complained and they said the statement placed in my file is the same as I requested, which it is not and is proven in the attached documents.

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 2015-09-14 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian has been reporting an account with XXXX. Bank in the amount of {$280.00}. I have disputed this account with them numerous times and each time I was not provided with the actual verification documentation used to verify this account. This account was paid in full. Experian has the burden of proof to ensure the information reported is correct. They have not done this. I have an attorney on standby should this zombie account remain 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 2017-03-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: ND

Complaint narrative:
I am a victim of identity theft and someone stole and used my personal information to open a fraudulent and unauthorized XXXX checking and savings account : XXXX, that do n't belong to me. I have never had or opened a XXXX checking account. I have attached a police report and other documents to this complaint.

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 2015-10-23 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:
I am a victim of Identity Theft. I was out with a few friends at the casino, and misplaced my purse. My card was not on the table where I was playing the slot machines, and when I went to go look in the reception, no one had claimed to return it. I have noticed a lot of items on my credit report are not mine and believe someone has access to my personal information and has been pretending to be me. Please investigate this matter right away. Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-04 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: MA

Complaint narrative:
No problems accessing XXXX or XXXX annual credit reports through XXXX. However for the last 3 years I have been unable to access my report from Experian. Each time I get the message " A condition exists that prevents Experian from being able to accept your request at this time. '' Searching online, I see many others have the same problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I found several ( XXXX ), derogatory accounts on my credit report that are older than 7 years. I have been a lazy credit keeper concerning my credit reports and assumed, by my mistake, the credit bureau would automatically remove ones over 7 years old, they have not. I read I have the right for their removal, and that 's what I am asking. There was a discrepancy some time ago, but I do n't remember when.

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 2016-04-01 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:
The credit reporting agency is making it extremely difficult for me to submit my police report for identity theft. They keep releasing my credit report without my permission, yet they require my id for disputes. It makes no sense. There are numerous inquiries that are unauthorized and accounts that are n't mine. They are also reporting an address that does n't belong to me and they refuse to update my report. They tell me I need to upload my documents, then they do n't allow me to upload my documents. They refuse to let me dispute illegal inquiries and an address that does n't belong to me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX - is not my address and never has been. These accounts are not mine Show more Account name XXXX XXXX Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX Status Paid, Closed. 
In dispute cart Show more Account name UNIVERSITY OF XXXX Account number XXXX .... 
Recent balance {$3500.00} as of XXXX/XXXX/XXXX Date opened XX/XX/XXXX Status Account charged off. {$3500.00} written off. {$3500.00} past due as of XXXX XXXX. 
These inquiries were not authorized by me Show more Account name XXXX Date of request XXXX/XXXX/XXXX + Options Show more Account name XXXX CARD Date of request XXXX/XXXX/XXXX + Options Show more Account name XXXX XXXX Date of request XXXX/XXXX/XXXX + Options Show more Account name XXXX Date of request 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 2015-12-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Hospital is reporting collection on my credit report. I have disputed and investigation has only said verified. I have never received a bill, phone call, or inquire from the hospital concerning this bill. The date of service is reported as XX/XX/2013 but I did not have service at this hospital on this date. I requested proof of debt in my dispute and it was never provided. It continues to show 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 2015-06-05 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Statebridge Company
State: IL

Complaint narrative:
My realtor and I started working on a short sale and when we called initially they told us there was no auction date and to submit all necessary docs. All of a sudden an Auction date was set for XXXX XXXX and we were not notified, instead they kept asking for more and more updated documents. We submitted a complete package with a willing and able buyer willing to negotiate and they declined our file and stated that the lender denied the offer and was proceeding with the auction. We are in belief that this is not being handled property and that there has to be an opportunity to continue with a short sale since we were told we could. I believe that I am being discriminated against and not being given the assistance/options that the lender has offered. Auction is set for XXXX/XXXX/15 and looking to postpone so that our file can be reviwed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have filed several requests with Experian to have them delete Liens which have been withdrawn by the IRS. I have also sent in reporting documentation, including Identification, Insurance Bill, Drivers License and Social Security Card and receiving no assistance from Experian with having incorrect information removed from my credit file. I have also requested a copy of my credit report and attempted to dispute online and each time I attempted to upload the supporting documents based on the report number sent to me recently from Experian - XXXX, I am kicked out of the system an not allowed to go further. I believe this is a discriminatory tactic in attempting to keep derogatory information on my credit file. They are very deceptive in their practices in their attempt to keep consumers laden down with obsolete or erroneous information on their credit file to prevent them from moving forward in life to obtain credit. We are in the process of trying to purchase a home and need to have these liens deleted from my credit report and other obsolete information they are reporting which has been over 7 years still on my file. They have extended their statutory limits which is an attempt to keep people bound. Please help me to resolve my credit reporting issues with Experian.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-10 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Audit & Adjustment Co. Inc.
State: WA

Complaint narrative:
submitted a dispute to Equifax directly regarding account # XXXX for Audit and Adjustment. This was a collection account that we disputed, found to be correct, and then paid the account in full. There is a XXXX balance. Remarks state that " consumer disputes this account '' and we are now trying to buy a house. The credit report can not have any accounts currently disputed when getting approved. Therefore we have disputed the account remarks and just recently called them to ask them personally to remove the " consumer disputes account '' under remarks because we no longer dispute it and we paid it in full. Audit and adjustment says they can not remove that remark under comments section.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have a 2013 bankruptcy entry that was placed on my credit report. that I have been trying to for over 6mths to get this entry Removed and Deleted.I have made several attempts by mail correspondents and spoken to customer reps in regards to this public record 2013 bankruptcy.I called and spoke with a representatives from Experian on what are their procedures on verifying their public records.because I need this information because it keeps coming back verified. The rep told me a form is sent to the court house and any public information available.Once that information verifies it is sent back to the credit bureaus and then that information is placed on the credit report.I asked the rep what physical form and or paper work was used because I need a copy of it ASAP. Then I was told they could n't give me one. I need to contact the court system. The Court System DO NOT Disclose, Release or VERIFY Any Information For The Credit Bureaus or Any 3rd Parties so given this false information by Experian this 2013 Bankruptcy needs to Deleted and Removed from credit report ASAP

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The XXXX XXXX organization sent my account to a collection company, XXXX XXXX of XXXX VA, without billing us directly. My family of XXXX has lots of XXXX medical issues in the course of a year, and in every case, we always pay our bill immediately, or in exceptional cases make arrangements to pay extremely large bills over a series of installments. We have a high deductible medical insurance plan, and routinely we pay over {$6000.00} in medical costs until the deductible is met, and when the deductible is met, our insurance faithfully covers the remainder. We use our local XXXX XXXX 6 or 7 times a year, at least until now, and we have never had any issues, and our credit reports demonstrates that we do n't have issues with anyone else. We first became aware that XXXX had sent a balance to collections with XXXX XXXX of XXXX VA XX/XX/2016 when my daughter required medical care. Naturally, as soon as we were informed that anything was outstanding, we paid the bill in full immediately at the front desk of XXXX XXXX. We contacted the credit bureaus about the matter, and naturally the erroneous information was " confirmed ''. This is an abusive practice and I can not fathom what business purpose it serves to take ordinary receivable matters in turn them into inappropriate collection practices.

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 2015-10-18 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: NV

Complaint narrative:
I have repeatedly had difficulty accessing all three credit reports and scores for the purpose of disputing information. Without purchasing monthly monitoring, I have not been able to access my reports aside from a monitoring service ( ProtectMyID ) provided by a medical company due to potentially compromised personal information. The information provided through the ProtectMyID website ( Experian ) indicates significant incorrect and derogatory information on my report. This is extremely problematic and has made it impossible for me to obtain credit that is necessary for business related travel and expenditures. Not only has it been impossible to obtain my credit reports through the XXXX major bureaus, I have been unable to dispute the incorrect information ; thus, leaving me with a false indication of my creditworthiness and inability to rectify the errors in a timely manner. From what I have been able to view on my credit report, accounts that do not belong to me, as well as incorrect dates ; amounts ; demographic information ; etc., remain on my report and I have not been able to get this corrected despite repeated attempts.

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 — Personal information
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian is reporting incorrect personal information that I have sent multiple times to remove it. 

Incorrect Names : XXXX XXXX XXXX XXXX Incorrect Social Security Number : XXXX Incorrect Address : XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The end of XXXX XXXX I disputed XXXX information on my credit report with United States Court District record to justify my claim. Experian sent me a Credit report with the explanation that it could not use United States District Court documents to change or delete you requested.???? If I have United States Court District documents how is it I can not use them to prove that XXXX account that they are referring to was transferred to XXXX. That they have not been associated with this account since XXXX XXXX. That I have never had an individual account with them, that I have never applied with an account with them and I have never been associated with their former company name XXXX XXXX. How is it that this company has more authority than United States Courts?

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 2015-11-17 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:
I originally mailed my dispute letter to Experian on XXXX XXXX, 2015 and then followed up wit a second letter on XXXX XXXX, 2015 and till this date i have not heard back from them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently went in to open a bank account with XXXX bank at the same time I was attempting to rent an apartment. I was taken by surprise when I was denied XXXX. I have been working on rebuilding and establishing good credit for nearly 8 months now. I have managed to get a starter credit card which I use and pay in full and on time each and every month. I also secured a line of credit, adding {$1300.00} to my utilization and having a debt of {$700.00} and an income of {$5000.00} plus Monthly. I have XXXX items in collections for medical bills {$400.00} and a very old credit card that I have disputed tirelessly because I applied for the card, realized they were charging me XXXX fee for a XXXX line of credit and I closed it that very next month. I am now being charged for that fee and refuse to pay as the company was sued that same year for those high fees. That will come of in XXXX anyway but nevertheless was denied removal. I was taken back when I realized that my credit score had dropped nearly XXXX points. This particular score of XXXX came from Experian, I believe when XXXX in XXXX was XXXX and has dropped to the low XXXX and XXXX whom also dropped my score over XXXX points raised it back up to XXXX this week. I have sent numerous letters and have not received much by way of communications. I have contacted an attorney because I feel that they agencies are not doing their due diligence in accurately verifying data as well as managing the livelihood of people fico scores. My daughter and I have been denied a home because of this sudden drop in score, where it should have been increased not decreased. I have a range in scores of a XXXX point difference between all XXXX agencies and I find that very strange as I HAVE NOT HAD ANY CREDIT FOR OVER 6 YEARS. I lived off of cash alone, assuming no debt. The XXXX medical bills and that awful credit card are the only items on all XXXX reports with different dates and amounts as well. I feel this is unfair and inappropriate conduct. In this case the agencies succeeded in keeping a family homeless and ripped to shreds by fear and stress. They must understand the importance of properly upkeeping someones credit history and score as it effects every area of our lives.

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