vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have requested for Experian to provide me on how they verified the information on my report. These are not my accounts. I asked the following : " Who did you talk to at the original credit grantor? Did you write them? Was a UDF form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Do n't provide the generic response of how you use various methods. Please tell me exactly how you verified them and include the full name of the person you spoke with. '' Yet, they sent me a very generic response. They are not responsible with handling customer disputes and verifying account info. And they keep allowing the same company to post fraudulent inaccurate accounts to my credit report. This company keep changing account numbers and are an illegal operation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XXXX XXXX, 2016 I contacted XXXX XXXX XXXX to settle an old charge off on account # XXXX that had a balance of {$460.00}. 
I was referred to XXXX that is the company who is in charge of this account even though XXXX XXXX XXXX is the XXXX reporting to my credit files. 
I was able to get a hold of XXXX, and we agreed to settle the account for less than the full amount. I spoke with XXXX XXXX in regards to the account and the agreement was for me to pay 55 % of the balance owed and my payment was going to be for {$250.00}, the confirmation # given is XXXX. This amount was deducted from my bank card and they agreed to show on my credit report a balance of XXXX and a notation that the account has been settled for less than the full balance. On XXXX XXXX, 2016 I pulled a copy of my credit report and it shows that XXXX XXXX XXXX is now showing a balance of {$200.00} for the remaining that was not paid, and is supposed to be the forgiven amount. 
According to my understanding of the Fair Credit Reporting Act, their duty as creditors is to accurately report on all accounts and to correct any of all the mistakes found. 
I thank you in advance for upholding the federal laws as directed by FCRA and address this incorrect information being reported by XXXX XXXX XXXX. 
For a creditor not do this is a violation of the FCRA. 

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 non-monetary relief
Consumer complaint received 2016-08-01 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. 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 2016-01-11 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
They do n't remove creditors after 7 yrs, or when the creditor has been assigned to attorney they potentially negative closed status is on file or status unknown when collection paid this is true with XXXX bank, XXXX, and XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-30 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Why would the credit reporting agency want anyone to send their personal info to a XXXX consumer would have no idea if it is received by the appropriate party or lost in the mail ... Second when calling the reporting agency no human to talk. I personally made a mistake due to not understanding the voice prompted program and with XXXX of the agencies placed a freeze not knowing what this was for my only concern was my personal identity theft since my home was broken into and my social security card and financial documents were taken ... When you are under a lot of stress they should provide a human to handle these types of calls ... The consumer does not have any idea of the difference when initially contacting the agency.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21 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. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX XXXX Account # XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
I appreciate your prompt attention to this matter, and await your reply.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I subscribe to a credit monitoring agency XXXX I was alerted that a credit bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX has flagged my account as collections. I do not owe any amounts or bills that are past due and recently had a credit score of XXXX and XXXX. I contacted the company XXXX and asked why this is on my report. i was told the information was erroneous reported and however they can not remove it form my report at this time. I asked them for a letter stating the information error but they refused to help in any way and told me they would not put anything in writing. the employee XXXX XXXX on XXXX/XXXX/2016 said she felt it would not hurt me but i have nothing in writing showing it was an error and their mistake. I also contacted the manager XXXX XXXX on XXXX/XXXX/2016 and he agreed it would be removed. I believe this company has done detrimental damage to my credit report for no reason at all due to their mistake and erroneously reporting.

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 2016-11-28 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:
This account was managed by an un-authorized party. I have already submitted a notarized copy of the FTC Identity Theft Affidavit and I have also already let the creditor know about this account. I have already disputed this account multiple times without any luck. Please help me resolve this issue.

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 2016-08-09 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XXXX/XXXX/2016, an unauthorized person logged onto the Experian website and used my personal information ( ID theft ) to pay {$1.00} for a 7 day trial to get access to my credit report. I did not know this until XXXX/XXXX/2016 when I received in the USPS mail notifications from XXXX banks ( XXXX XXXX and XXXX XXXX ) that online checking accounts were opened in my name and that {$5200.00} has been transferred from my own personal savings account at XXXX XXXX Bank into these XXXX accounts. I immediately worked with XXXX XXXX and the XXXX other banks to retrieve the {$5200.00} and place fraud reports with each of them. I also filed a local police theft report, an FTC fraud report, social security fraud report, and placed a 7 year fraud alert with all XXXX credit report companies. The problem I have is that when I initially contacted Experian on XX/XX/XXXX ( contacted them on XX/XX/XXXX and XX/XX/XXXX but was told to call back on XX/XX/XXXX since that fraud department was closed for the weekend ) I was told after over two hours on the phone and being transferred to XXXX different people that they do not have a fraud department to handles fraudulent access to credit reports. That they only had a fraud department to handle fraudulent items on the credit report itself. When I tried to explain to these people that it was not me that accessed my credit report on XX/XX/XXXX, they kept telling me it was me based on the information they had. When I asked them to release to me the email address and the credit card used to gain access to my credit report on XX/XX/XXXX, they advised they had that information but would not release it to me. To this day, I can not get Experian to release that information to me. I have asked the local police department to request this information from Experian via a summons, but they do not seem to have the time to do that (? ). However, the local police were able to narrow the thief down to a local person due to other information they gathered ( so it was not a thief from XXXX or other non-USA location ), but they seem to have stopped working on the case due to other priorities. If there is any way you can get Experian to release the CC number and email address used in opening this {$1.00} trial account on XX/XX/XXXX so I can give it to the local police for additional follow up, that would be great. Or if you have any other suggestions on how to get this information to help in the police investigation, please advise. I was very disappointed that Experian would not help investigate this unauthorized access to my credit history, and also amazed at how easy it was for someone to gain access to my credit history via their website. I can provide additional information upon request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The XXXX XXXX Account # XXXX needs to be removed from my Experian credit report. I have provided Experian with a letter from XXXX XXXX stating that my account has not been 30 days late. Please have this deleted on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Lates were reported on my credit report for XXXX XXXX. The lates were XX/XX/XXXX-XX/XX/2010

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 2015-12-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian disregards rights of consumers and allows creditors to report bogus debts. I informed Experian that XXXX XXXX XXXX XXXX is reporting debts after refusing to properly validate them. All Experian does is reach out to the offending company and takes their word that the debts are valid when they are not. They do not conduct an impartial investigation, or any investigation for that matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hi I belong to Experian my credit Report Shows, Some XXXX Ripped me Off by my ID, XXXX, XXXX XXXX Theft and Frauds Acts, I will be criminaly asking these Co, XXXX were it was n't Me applying for, Credit Cards XXXX Financing, Loans, Advances, Cars Boughten, etc will be listed, I have suffered a major financial loss from these and jobs loss, and anxiety problems from these crimes, I Need a Criminal Case Made on all these Co, s to Show Me, Restitution $ $ and a Court Case Will be Made on All of them if Not Settled and Restitution to the Best Amounts, Plus I, de like a Full Report on the Pictures, Emails, IDs, Signatures, Times and Dates of transactions / Finger Prints, Etc in Full Details Back Please, Heres The Co , s that someone Applied and Got Funded $ $ in my ID Entity and went on my Credit Report, Experian XXXX Lists, Free Score Now XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not in service new number? 
XXXX XXXX XXXX Bank = XXXX - XXXX - XXXX XXXX XXXX XXXX Bank = XXXX XXXX XXXX = XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX Bank = XXXX XXXX XXXX A lot of Accounts Here? 
XXXX = XXXX XXXX XXXX Financial = XXXX XXXX XXXX for the Following below # fluris lend up = XXXX XXXX - XXXX XXXX XXXX XXXX = XXXX XXXX XXXX XXXX Total Accounts = XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX accounts there XXXX XXXX = XXXX XXXX XXXX XXXX XXXX XXXX = XXXX XXXX XXXX Credit = and XXXX Cash Loans servicesXXXX =look up Website contact Please?, XXXX XXXX = XXXX XXXX XXXX XXXX Loans = XXXX to XXXX Accounts Please ask Thankyou XXXX XXXX Web Loans XXXX accounts there Accounts = XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX = XXXX XXXX XXXX XXXX XXXX or XXXX Loans, there accounts = XXXX XXXX XXXX = XXXX or XXXX Accounts there Look Up Center XXXX XXXX = XXXX or XXXX Accounts there = Loans XXXX = XXXX or XXXX of them Accounts = Loans Look Up Website & Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts here Please Find All Thanks .. 
XXXX Pay Day loans XXXX Total Accounts = Look Up Website Please, All these Accounts through XXXX XXXX? above, XXXX Bank XXXX XXXX XXXX = XXXX XXXX = XXXX XXXX XXXX XXXX XXXX XXXX, = XXXX XXXX = XXXX XXXX XXXX XXXX = XXXX XXXX Bank loans = XXXX XXXX XXXX = XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I , m Being Monitered while Doing these Co, s I Made a Crime Report to the XXXX XXXX Police Department, I XXXX m giving this to them also, theres a Real XXXX from these Criminals havnt Gone to SCARED STRAIGHT, Class or Death Row Education for further Proceedings,, this is on my Experian Credit Report No lies No perjury,

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 2015-11-17 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Io, Inc.
State: MD

Complaint narrative:
I incurred a debit medical with XXXX for XXXX of allegedly XXXX deductible upon this debit my insurance company cont to verify no monies were owedbased on date in question I sent certified letters emails and numerous phone calls to no avail. Meanwhile acct was sent to several collections based on this I filed a small claims actions in XXXX XXXX of MD XXXX XXXX where a trial was had Honourable Judge dismissed both claims including attorney counter claim on this date I was shown an invoice that I had never received. Based on that invoice even though court had dismissed I paid with Certified Check .bank shows where check was cashed.after cashing check collect cont even though I owe nothing receivables Management Systems cont and has inserted this debit ad being owed and accurate causing a severe drop in my credit score and refuse to remove

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have sent in request for corrections, updating or removal of XXXX, XXXX XXXX XXXX WHICH ARE PAID IN FULL. I HAVE SENT REQUEST TO THE BANKS AND WAS GIVEN STATEMENT OF PAID. XXXX HAVE MADE CORRECTIONS BUT THE ABOVE AGENCIES HAVE NOT.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I relocated to the XXXX area for work and rented a small apartment for 6 months. The last month 's bill was not forwarded to my address which I had left with the rental agency. The debt of {$59.00} was sold to XXXX XXXX XXXX by XXXX XX/XX/XXXX, 3.5 years after I had moved out of the apartment. I was not aware of the any debt being owed to XXXX. When contacted by XXXX, I stated I was unaware of the debt, but researched it and determined I owed the amount. I agreed to pay XXXX and was told that my credit bureau would not be impacted due to the circumstances. That payment happened on XXXX/XXXX/XXXX. I have followed my credit bureau and my scores have been in the XXXX since that payment was made. My last update was on XX/XX/XXXX and my score was XXXX. On XX/XX/XXXX I applied for a mortgage and was told that my credit score had dropped to XXXX. This was due to a collection account being reported by XXXX XXXX XXXX . The same account that I had paid XX/XX/XXXX. I had contacted the company and was told that the account had a XXXX balance and was being reported as paid in full, which it was, but was also showing as a collection account. What does n't make sense is that XXXX reported the account as a collection account 7 months after it was paid in full and had not been reporting on my bureau during the months in between. They offered to send me a letter confirming a XXXX balance. I inquired as to why I was told by one of their agents that this would not impact my credit when I paid it and was informed that it was their policy to report accurate data to the credit bureaus within 45 days of a debt being assigned to them for collection. I asked for a supervisor and was denied. After a second call, I asked for the trade line be removed and explained my entire situation again. I asked for a billing dispute team and was informed that they would look into pulling the original call to determine what was communicated to me. I attempted to call back a third time to lodge a formal dispute, but was unable to get through to an agent. I was forwarded directly to a voicemail at XXXX est. I made multiple attempts with the same result. I disputed the trade line with Experian, will file a dispute with XXXX and attempt to contact XXXX again. I do n't see how this company can place a trade line on my bureau 7 months after I paid as agreed in full and was told that it would n't impact my credit. I am looking for XXXX to live up to the agreement we made XX/XX/XXXX and remove this negative mark on my credit bureaus.

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 2016-03-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian credit bureau has refused to report my mortgage payment history for several years. I have tried on many occasions to rectify by many phone conversations. Since filing a chapter XXXX bankruptcy in XX/XX/XXXX and having it discharged about XX/XX/XXXX. Missing trade information is greatly reducing my credit score. When XXXX and XXXX reports complete credit profiles. Experian should be investigated and fined, if a violation has occurred. I would like for Experian to report my complete credit profile.

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 2015-05-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I would like to dispute XXXX XXXX XXXX. I paid this card off I believe in XXXX 2014 in full at the XXXX XXXX XXXX in the XXXX XXXX. Experian Credit Reporting Agency is reporting negative information of their site and this account has never been late always pay of time and as of today it is paid in full.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12 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 disputed this fraud account that is being reported on my credit report to Experian account XXXX XXXX for an amount of {$160.00}. I also provided a police report and a Federal Trade Commission Identity theft report showing that this account is fraud and does not belongs to me. Experian performed their investigation, and responded back to me stating that my ( MAILING ADDRESS IS INCORRECT ) ; yet they mailed me the notification to my address and ignored the issue that fraud is being reported on my credit file. 

Experian ignored my notification that this account being reported on my credit file is fraud, and the copy of the police reports and Federal Trade Commission Identity theft 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 non-monetary relief