vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-07 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
I disputed the XXXX account with Experian, because all my student loans paid as agreed. They insist I had negative record with XXXX. But anyway, according to The Fair Credit Reporting Act, the limited time to negatives accounts in the record are 7 years. The last record according to this report was on XXXX/XXXX/2010. That is 7 years and 1 month. 

Please help me to this agency deleted this account according to the federal law.

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 2015-06-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have incorrect information on my credit report being reported by Experian the agency which reported it was XXXX XXXX liens that were supposed to be cleared and XXXX XXXX gave me the copies to send to all XXXX reporting agencies and I sent them to the reporting agencies on XXXX different occasions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 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:
XXXX XXXX XXXX is not being reported properly on my Experian credit report. XXXX 2013, XXXX 2013, XXXX 2013 and XXXX 2013 payment reporting and history do not seem correct. I asked for results of the account review and I never received a proper response.

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 2016-06-30 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I submitted a response to Experian 's response, which did not address my complaint, to a Consumer Finance rep over the phone on XXXX XXXX but I could find my response online, it was not available. I called Consumer Finance to inform them it was not there and I was told it was and they would mail my response to me. I received it today and my response on XXXX XXXX is still not included. The only items showing XXXX XXXX is your automated Consumer Finance response at XXXX and the same automated response again at XXXX, your auto Consumer Finance response shows twice. Mine is not there. Was my response that i gave over the phone to your rep n XXXX XXXX not recorded and posted, please? 
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 2017-01-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Credit history request- never authorized, company not recognized

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 2015-05-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX charged off an account in XXXX XXXX. They reported it as charged off again in XXXX XXXX and again in XXXX XXXX. The FICO credit scores treat this as a recent event instead of XXXX that happened 4 years ago. They claim it 's only noting the current status of the account but this is not how it 's considered by virtually all the various credit scores. It 's listed in account history and it 's false. It 's impossible on its face. A charge off occurs once. This is in retaliation of me requesting validation of the debt with Experian. A charge off is a XXXX time event. It does not happen over and over again. All of the charge off notations after the XXXX XXXX need to be removed from my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XXXX/XXXX/2015, I sent a letter to Experian informing them that I had paid a debt listing on my credit report under a collection item. I paid the original creditor, XXXX, on XXXX/XXXX/2015, in full in the amount of XXXX, confirmation number of that payment is XXXX. I stated in my letter that the collection listing under XXXX XXXX XXXX needed to be removed. Experian notified me that the debt was actually mine and have not removed it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-19 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:
EXPERIAN HAS NOT PROPERLY REQUESTED PROPER DOCUMENTATION WHICH PROVES XXXX IS RE-AGING XXXX DEBT/CREDIT TRADE LINES IN VIOLATION OF FCRA GUIDELINES AND FTC MANDATES : PLEASE READ MY COMPLAINT AS FOLLOWS : I XXXX XXXX am filing a complaint against my former mortgage servicer. The original servicer has long been eliminated from my credit report, simply because my first late payments were registered in fiscal year XXXX. XXXX XXXX took over servicing in XXXX, and they have cut off over five ( 5 ) years of my payment history simply to re-age the debts, and these debts have been satisfied in full. The seven year applies as mandated by federal guidelines, both under Federal Trade Commission federal lawsuit decisions and by the Fair Credit Reporting Act. The original servicer was XXXX XXXX XXXX, long out of business. XXXX is simply re-aging a debt ( s ) trade lines they have no legal right to. In general, XXXX of these accounts need to be deleted permanently and that my file information be purged with prejudice.

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 2015-11-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have many things on my credit report that do n't belong to me. Their are addresses that I have never lived at and my name is spelled wrong as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have a lot of closed accounts on my credit report that I would like to be removed. XXXX was in my bankruptcy and discharged in 2010. I called XXXX and told them and it 's still on my credit report. My insurance paid my medical bills and ambulance Bills as well. Can you please remove the closed items please. 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 2015-08-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
FICO ( R ) Score XXXXPowered by ExperianXXXXCredit Rating : FairXXXXGenerated : XXXX XXXX, 2015SEE ALL XXXX FICO SCORESYour score is below the average score of U.S. consumers, though many lenders will approve loans with this score. 
Why did my score changeLEARN MOREKnow more, Save more. Get Your FICO ( R ) Scores Now! 
Get XXXX Reports and FICO Scores to check for potential inaccuracies. 
What 's helping your score? 
No missed paymentsYou have no missed payments on your credit accounts. 
Long credit historyYou have an established credit history. 
What 's hurting your score? 
Collection item and/or PRYou have a public record and/or collection on your credit report. 
Number of collections on your credit reportXXXX collectionsThe presence of public records ( such as a bankruptcy or tax lien ) and/or collections are powerful predictors of future payment risk. If these are valid, satisfying the public record and paying off the collection will not remove them from your credit report. The fact that they occurred is still predictive of future payment risk and will be considered by your FICO ( R ) Score. However, as the items age and fall off of your credit report, their impact on your score will gradually decrease. Most public records and collections stay on your report for no more than seven years - though bankruptcies may remain for up to XXXX years. 
Few current accountsYou have few accounts that are in good standing. 
No installment loansYou have no recent activity from a non-mortgage installment loan. 
High credit usageYou 've made heavy use of your available revolving credit. 
Score TrackerTrack changes in your FICO ( R ) Score and credit rating, based on your Experian Credit Report. 
Your score is automatically updated XXXX monthly and each day you log in. 

Average score is : XXXXExceptional+XXXXVery GoodXXXXXXXXXXXXGoodXXXXXXXXXXXXFairXXXXXXXXXXXXPoor & lt ; XXXX/XXXX/XXXX 2015XXXX 2015XXXX 2015XXXXHow your FICO ( R ) Score is calculatedClick on each score factor piece to reveal more. 
30 % Outstanding DebtWhat you should knowUsing your credit responsibly can positively impact your credit and FICO ( R ) Score. However, maxing out your credit cards and increasing your debt can have a negative impact since lenders may perceive your increased outstanding debt as a sign that you are living above your means. 
I do n't have any public record reporting on my report but yet Experian is saying that I do and that it 's hurting my score ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Like many other Americans, I have voluntarily initiated security freezes on all of my credit profiles at XXXX, Experian, and XXXX. This helps me sleep better at night knowing a fraudster ca n't open an account in my name without my explicit permission. 

The complaint I have is that not only do I have to pay {$10.00} to these companies to initiate the freeze, I also have to pay {$10.00} to each XXXX separately, every time I want to apply for a credit product. In some cases I am forced to pay {$30.00} out of pocket. I take issue with this because the problem of identity theft is largely attributable to these very organizations who provide my financial information to anyone who asks for it, " willy-nilly '' without any sort of authentication or identity verification. So even though these companies are responsible for the problem, if I want to do something to prevent it ultimately I have to pay. 

I am requesting that the CFPB require, or simply encourage these companies to provide this service free of charge to American consumers. By doing so they will be helping to more easily prevent the serious issue of identity theft, as well as avoid more costly requirements that may come their way in the form of legislation aimed at combating the problem. Thanks for your time, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I TRIED TO ACCESS THE ANNUAL ONLINE CREDIT REPORT AND THE SECURITY QUESTIONS THEY ASKED DO NOT PERTAIN TO ME AND I DONT RECOGNIZE ANY OF THE QUESTIONS AT ALL.I ALSO TRIED TO GET REPORTS FROM EXPERIAN AND XXXX AND THE SECURITY QUESTIONS ARE ALSO UNRECOGNIZABLE TO ME.HOW CAN I FIX THIS?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Ther are XXXX debts and almost all of them I do n't recognize. I need them off my credit score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 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:
XXXX XXXX XXXX opened XXXX accounts within a few months during 2013 at a time when I was XXXX as verified by the attached Letter of Medical Necessity. During this time span I was XXXX. These XXXX accounts are Identity Theft and should have been BLOCKED on my Experian Credit Report. When I subsequently became aware of the Identity Theft and notified XXXX XXXX XXXX, both accounts were summarily Charged Off. XXXX has repeatedly denied my requests to BLOCK the 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 explanation
Consumer complaint received 2016-10-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I requested in multiple letters ( XXXX 2016 and XXXX 2016 ) to Experian to validate and provide me documentation that proves that the information that they are reporting and sharing is accurate. They have never provide me with the information requested yet noted that the information on my report was verified.

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 2016-08-23 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: HI

Complaint narrative:
XXXX XXXX 2016 -- XXXX YOUR COMPANY ( ANNUAL CREDIT REPORT ) PRACTICES FRAUD eg. XXXX GAVE NO FREE REPORT ; must call or send info. Experian GAVE NO FREE REPORT ; must call or send info. and XXXX GAVE NO FREE REPORT. IN FACT CHARGES XXXX AND CHARGES MORE IF THE SERVICE THEY GIVE IS NOT CANCELLED. YET THEY DID NOT ACCEPT MY CHARGE CARD.

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 2016-08-03 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:
Experian is refusing to remove an old account XXXX XXXX account number XXXX that is not attached to another account and it has been on my account since 2005. I have never paid on this account nor am I familiar with it. I am asking for it to immediately be deleted from Experian report. I am also attaching a case number for a police report, for fraud and fraudulent inquires, please apply extended credit for seven years to credit 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 2016-06-04 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
No matter what is asked for them they still share and allow access to my credit report to whom ever pays them or in the case whom ever they pay a data minor that is not checking with the court because they court will not verify anything let alone a fed tax lien XXXX XXXX this tax was released Per the recorder of deeds BK XXXX so why is it that they fill the need to use the wrong information from the start

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 2015-10-26 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:
The address under Experian on my XXXX credit report has been reported as a new address which is incorrect Experian has also filed a Collections for {$6700.00} under a company called : XXXX XXXX XXXX, whose telephone # is:XXXX. This collections was deleted from my report when a company called : XXXX XXXX agency was filing for collections on the same debt that the apartment that I was forced to leave because someone tried to break into my bedroom window while I was in the bedroom. I rented the apartment with my daughter. The apartment security gates were always broken leaving the complex available to all kinds of undesireables free access. I filed a police report, # : XXXX. Now this different Collections agency as named above is trying to collect through Experian We also felt really insecure in the apartment, and were afraid for our lives!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: DE

Complaint narrative:
This is additional information to my complaint already submitted and this is pertinent information. I just set up 2 mortgage payments with Select Portfolio Servicing Company and was asked if I wanted to pay something towards the over {$600.00} fees. I was shocked and looked at my statement and advised XXXX ( rep ) that I see something on my statement that says " other charges and fees '' {$370.00}. I asked her what that charge was for and she said I was looking at XXXX statement and fees are now over {$600.00}. ( I ca n't remember exact amount. XXXX advised that each time someone does a drive by to check if my house is occupied, there is a fee. She stated if a home inspection was done, there is also a fee. I was shocked to think over {$300.00} is charged for something like this. First of all, NO home inspection was done. I have XXXX big dogs and people do n't come near my house, nor did I set up a " home inspection. '' Second of all, there is no reason for this company to think this property is n't occupied considering all of the correspondence between us. Someone please check into the fees I 'm being charged as I do NOT agree with this practice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22 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:
After reviewing my Experian credit report I was very concerned to realize that I had XXXX negative listed that are all medical from the same company XXXX XXXX with the original debtor showing XXXX. I immediately contacted XXXX and was told they did not have any services rendered to me with a balance owed ( I am including documentation ). This leads me to believe either this is a matter of identity theft or someone else 's information reporting to my report. I have struggled to navigate through the muddy water of removing medical debt inaccuracies on my credit report which continue the negatively impact my overall credit. I have never received any communication from XXXX XXXX stating that I owe the debt nor have they legally validated the debt after several disputes with them as well as Experian. I have had continuous medical insurance with my employer since XXXX through XXXX as well as dual coverage from my husband which is a XXXX service member through XXXX XXXX. This is also validated through XXXX the original debtor which I am including in documents. I have disputed the validity of this debt with Experian and XXXX XXXX multiple times. I do n't know how Experian Or XXXX would accurately or fairly verify the accuracy of this debt and still remain within HIPPA guidelines. XXXX was unable to validate anything was owed which I am attaching Billing info as documentation. I am including my history with XXXX, My Insurance Info and everything else that should allow Experian the promptly remove these inaccuracies from my report All account posted to credit bureau on the same day. 
XXXX XXXX XXXX/XXXX/XXXX {$3900.00} Origianl Debtor XXXX XXXX XXXX/XXXX/XXXX {$2500.00} Origianl Debtor XXXX XXXX XXXX/XXXX/XXXX {$460.00} Origianl Debtor 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 2015-06-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Another woman with the same name XXXX XXXX lives in XXXX and has either used my social security number or the Original Creditors have added her information to my Credit accounts along with bills from local hospital. Experian has been notified today. 
Also a business was listed as well on my home address that has never been established at this residence. I have rented for the last 13 years and that is also inaccurate information that needs to be removed. 
Some addresses are also being removed that I have never lived.

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