vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Experian has been asked to remove a total of XXXX collection accounts that can not be verified by them per section 609 of the FCRA. These are medical bills that are violating HIPAA. The company that is reporting these accounts are XXXX and I have reached out to them by phone and they do not have physical proof that links these accounts to me. They can not produce physical documentation but yet Experian his saying they have investigated and the reporting meets the requirements under the FCRA. This is incorrect. Experian 's feeble attempt to continue to report this information against me is against the law and they need to be fined or sanctioned for such behavior. I have written them and sent letters to them via certified mail. They drag their feet and say they need more ID information even though I sent them a notarized copy of my DL and SS Card and then they continue to stall on what they are supposed to do. I am demanding that if they have physical proof on file showing their right to report the accounts from XXXX against me then send it to me. The documents need to show my signature, they can not send them because they do not have them. I am demanding that Experian REMOVE these items immediately and stop playing games. If a law is in place that protects me against frivolous postings on my report then why are they not following the law? They are making things very difficult because they will not provide proof of their right to report. They simply say the company verified. But when I call XXXX and ask for the original documentation they tell me they do not have it and do not need it. Really? Then how can you say that what you are reporting is accurate, complete and verifiable. I demand these items be removed IMMEDIATELY

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX : It is an account that has never been mine and do not recognize at all, I have already disputed such account so the error could be fixed but no respond. Please remove account error from 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 2016-11-14 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:
XXXX put that account on my credit file. It does not belong to me. I have requested them several times to provide me signed documents and they were unable to do it. They provided me some statements that do not belong to me. Since last several months they are harassing me like crazy. Every time I am disputing they are saying dispute was resolved and they would n't take it off from my credit reports. It is hurting my credit badly. I have communicated with Experian several times regarding this matter and they came up with the decision that the account is verified. I badly need help to get it removed from my Experian credit report and to stop this harassment.

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 2015-11-16 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Io, Inc.
State: VA

Complaint narrative:
I sent a written cease and desist letter via fax on XXXX XXXX telling them that I would contact the originator of the alleged debt to work out any concerns. I received a notice from the RMS on the XXXX stating I had 10 days to pay them with fees and interest or they would contact the credit reporting agencies.

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: CA

Complaint narrative:
my boat trailer was stolen. I never received pink slip from old owner XXXX XXXX XXXX towed it. towing company hired credit bureau associate company to collect for storage fees old owner told credit company he sold it to me credit company changed his name to mine and never told towing company. towing company told me they sold the trailer and have no contract with collection company in my name. they say collection company changed old owners name to mine illegally.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Experian has a Dismissed Bankruptcy on my credit report, which is a violation of XXXX XXXX XXXX : XXXX ( a ) ( XXXX ). This needs to be removed. FCRA only allows the reporting of Bankruptcies from the date of entry of the order for relief or date of adjudication. There is no provision for reporting of dismissed bankruptcies. Case : # 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 2016-05-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
XXXX XXXX XXXX XXXX has repeatedly reported erroneous information to Experian about the date of credit card closure and credit limit. However, upon disputing the information with Experian, I was informed the current account information was correct. Unfortunately, different information about the dates of account closure and amount of the credit limit have been reported to the XXXX major credit bureau 's, and it is unlikely the correct information exists at this point. 

Therefore, I ask that Experian remove the closed XXXX credit card account from my credit file immediately. 

Attached to this complaint as follows : Results from the CFPB complaint with XXXX. Reported {$8500.00} credit limit, closure date of XXXX. 
Results from CFPB complaint with XXXX. Account information inaccurate, account removed from file. 
Results from XXXX dispute. Reported credit limit {$2500.00}, closure date XXXX. 
Results from Experian dispute. Reported credit limit {$10000.00}, closure date of 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 2016-07-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: 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 ( XXXX ) ( 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 explanation
Consumer complaint received 2015-07-06 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:
Dear CFPB, I recently applied to access my credit with XXXX and was denied based on insufficient credit file and some type of garnishment or suit that appears only on my credit file reported by XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I recently looked at my credit report ( XXXX, Experian and Experian ) and it indicates that I was XXXX days late on my XXXX University loans in XX/XX/XXXX / XXXX 2016. 
I was not late. 
I would like to let it be known that I received the letter attached ( dated XXXX/XXXX/2016 ) from XXXX XXXX ' that clearly displays a quarterly amount due of {$560.00} ( quarterly payment due date : XXXX/XXXX/16 ). 
I would like to let it also be known that I logged in to XXXX, and made a payment of {$560.00} on XXXX/XXXX/2016 - which is the amount that was due, and which is the full amount that was indicated and reflected as due online at that time. My payment history in the last 12 months ( Attachment XXXX ) shows that I have been paying at least this amount every quarter. 
I have not received any written or verbal notification of change in my quarterly amount {$560.00} or my interest rate. I was not aware that a late fee would be assessed or was assessed since this was not reflected on XXXX on XXXX/XXXX/2016 when I made full payment. 
This incorrect record on my credit report has caused severe damage to my financial life, and I would like to request the credit bureau to immediately DELETE this record as it is false.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-02 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX letters to Experian have failed to get achieve any response other than " We received a suspicious request re your credit report ... ... and will not be initiating any disputes based on the correspondence. '' A further request from me to correct false data on the report has not been acknowledged for over XXXX months.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15 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:
My complaint is against the credit bureau Experian. Several attempts have been made to all XXXX credit bureaus in an attempt to have a negative item removed. Experian has signed the receipt for certified mail and I have sent them my request for Experian to investigate my dispute by regular mail and have received no response. 
They have repeatedly failed to properly investigate my dispute and I have provided more than enough documentation to prove my claim is true and accurate. Had Experian seriously investigated my claim, they would have found the proof of the error is in the credit report itself. 
In my credit report in the " Closed Account '' section, there is an account with XXXX ( XXXX ). The information states ; ACCOUNT OPEN XXXX/XXXX/XXXX, LAST PAYMENT XXXX/XXXX/XXXX, CLOSED ON XXXX/XXXX/XXXX. 
XXXX XXXX XXXX acquired the debt at some point and fraudulently re-aged the debt. On the credit report, they have FALSELY reported the following ; Account ( XXXX ), DATE OPEN XXXX/XXXX/XXXX, DATE OF FIRST DELIQUENCY XXXX, DATE OF FIRST MAJOR DELIQUENCY XXXX. 
Experian is in violation of several Federal Laws and has neglected to properly investigate my claim. From my understanding of Federal Law, Experian is obligated to do the following ; Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. 
Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. 
You may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am the victim of identity theft and have been working to fix my credit for years. I had perfect credit until some criminal ruined it. Slowly but surely I have proved accounts do not belong to me and Experian has fought me every step of the way. I have repeatedly disputed a XXXX XXXX account ending in XXXX on my Experian credit report. They have refused to remove it. Furthermore, they refuse to remove an address of XXXX XXXX XXXX XXXX that does n't belong to me as well. They are reporting credit inquiries that do not belong to me and do not meet the permissible use requirement of the law. Today I tried to upload a letter from XXXX XXXX, roof he account does n't belong to me, in PDF format to their servers. Even though the file was the correct format, they refused to accept it. They also refused to accept the below statement that was in PDF format. The files would not upload to the server. 
The following inquiries are fraudulent and unauthorized. They do not meet the law 's requirement for permissible use. 
Account name XXXX XXXX Date of request XXXX/XXXX/2016 Account name XXXX Date of request XXXX/XXXX/2016 Finally, they are reporting a XXXX XXXX XXXX and XXXX XXXX account that do not belong to me. XXXX XXXX ( XXXX XXXX XXXX ) and XXXX XXXX ( XXXX ) refuse to respond to my repeated demands for proof of the debt. Experian is illegally continuing to report accounts that do n't belong to me. Their verification process is lacking. I have proved numerous accounts are being reported that do n't belong to me. Today I am submitting yet another letter for an account they repeatedly " verified '' as belonging to me and what do you know? It does n't belong to me.

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 2016-09-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have XXXX accounts on my credit report that is disputed with my credit dispute. I found many address on my account and several different names even a wrong social security number these accounts are n't recognized and standing in my way of getting my housing. 
these accounts are as stands XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the amount of XXXX files on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the amount of XXXX date opened XXXX. and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX balance of XXXX opened in XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX in the amount in XXXX date opened XXXX please help me I have disputed all of these with the credit bureau Please let me know what the next step would be.

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 2016-08-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been a cardholder with XXXX XXXX for over 10 years. I have never missed a payment. 
I was in the hospital during the month of XXXX in 2015 and had someone send in my payment. 
Due to an electronic error the payment was never made. I received no email notice, no phone call or no US Mail notice that I was late in making my payment. Previously, if I had been a few days late ( never 30 days ) I was always called by XXXX XXXX as the payment date was misleading. I assumed that if you were not 30 days late you were safe. In fact, XXXX XXXX went so far as to reversing late fee 's that were charged to me due to the fact I paid a couple of days after the due date ( Again, no 30 days ). I called XXXX XXXX and they were insistent that they were right and I was wrong. Again, computer error. I stand by my record as never having had a late payment in 10 years. I am asking them to remove this late payment from my credit report. 

In addition, I was denied a credit limit increase due to this one late payment. In addition I am receiving credit offers from XXXX XXXX regarding approval for a car loan of up to {$35000.00}. Does not make sense ... ... ... ....

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 2016-01-07 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: LA

Complaint narrative:
I was unable to get my free annual credit report due to it asking me questions about a mortgage. I have never purchase a home. I have never had a mortgage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian would not delete old incorrect information

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 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:
My Name is XXXX XXXX XXXX XXXX. Me and my dad share the same name However they put his information on my credit report. Such as tax liens and child support and other collections that I 'm not associated with. I would love another accurate credit report. It took me forever just to get this one and it is n't correct I 'm very upset with the services. My social is XXXX ...

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

Complaint narrative:
XXXX XXXX was paid as agreed, settled in full. not paid for less than as being reported. need validated. date opened is wrong. lots of things wrong on the 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 2015-08-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I paid an account XXXX XXXX XXXX XXXX 25 days late and it appears on my credit report XXXX Experian only ) as 30 days late. I called Experian to dispute the inaccuracy but they tell me that creditors are indeed allowed to report an account 30 days late even though it may have been less than 30 days late. 

I disputed the account status and the investigation results show that the account will remain as 30 days late. 

I then contacted XXXX XXXX, Director XXXX XXXX XXXX for Experian on XXXX and asked him if paying even 1 day late can show on my credit report as 30 days late and he said NO. 

I do n't understand what is going on at Experian. Customer service and XXXX XXXX are saying contradicting information. 

I am attaching three documents:1. Investigation Results2. Credit Report showing 30 day late payment3. Payment history for XXXX XXXX showing I never paid more than 30 days late4. XXXX Screen-shot where XXXX XXXX says that a full billing cycle must pass before the account is reported as 30 days late

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Requested a Formal Validation for XXXX A request for formal debt validation in accordance with the Fair Debt Collection Practices Act regarding the following 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 explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In an effort to improve my credit history I paid XXXX collection accts and satisfied XXXX judgement. I sent the documentation from the collection agencies to delete these accts to the bureaus. To my dismay my credit scores went down on XXXX of the XXXX bureaus and the status of the judgement remain unchanged. I am on the verge of sustaining irreparable damage as I am about to lose my contract to purchase my home and lose my earnest money. Please help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
The US Treasury Department states I owe XXXX for a money order that was returned to the Post Office in XXXX 2016. The Post Master XXXX XXXX is in possession of this money order. I am being charged XXXX in fees plus the money order XXXX total XXXX. I have complained to the US Department of Treasury as well as disputed with the collection company. I have proof this money order was returned. Please delete from my 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 non-monetary relief