vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I was injuried on the job and covered by worker comp. XXXX sent the XXXX bills to me, so I called them and wrote them that they need to send the bill to The XXXX, as the bills are covered by workers comp insurance. They continued to send me bills monthly for awhile. Then they turned the bills over to the XXXX XXXX XXXX whom in turn allowed the false record to become a part of my credit history. I spoke to XXXX several times over the last few years and they failed to take actions to contact the people that sent the false report to them or take any action to correct the mistakes. There are XXXX bills that came from the same day over the same injury, and both from XXXX. After a few years I found out that the false records were still on my credit report, as I got turned down on my credit applications, and also got higher interest rates for credit I did get granted. I again called XXXX to complain and file disputes with credit reporting agencies. XXXX finally deleted XXXX of the false bills but left the other. This is not fair nor lawful. I am paying higher interest rates on XXXX credit issues because of them false reports not getting the proper attention from the XXXX XXXX XXXX and the report credit score agencies, ( XXXX, Experian, and XXXX, as far as I know. 
XXXX XXXX XXXX : item # XXXX ( recently deleted ) and case # XXXX which is still listed.

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 2016-04-13 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:
all XXXX credit agency, s says there not able to at this time to give me a credit report I tried to get a credit card at XXXX XXXX bank and they denied because they said the credit score was low I contacted the credit agencies 3 days after I received the letter from the bank that I was denied the credit 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 explanation
Consumer complaint received 2015-12-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have an account with citifinancial XXXX also known as pilot recievables XXXX that is clearly not mine i have since gotten a verified police report and notarized identity theft victims affidavit that has been notarized that has been deleted from all other bureaus because of it being clearly a result of identity theft that is still reporting on your bureau this fraudulent account that has been idenitifed as fraudulent needs to be removed asap

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I have disputed this with Experian, XXXX and XXXX XXXX several times and they will not remove it. I have given them proof from the bankruptcy court that the bankruptcy was filed on accident by my attorney and they still will not remove it. I filed a chapter XXXX bankruptcy in XX/XX/2010 and it was discharged ( that XXXX is accurate ). I did not file XXXX Chapter XXXX bankruptcies in XX/XX/2010 ( the attorney did by accident and the court documents that I provided to the credit reporting agencies proved this was the attorney 's negligence ). The Chapter XXXX BK filed in XX/XX/2010 reporting as dismissed should not be on my credit report with all XXXX bureaus at all. I can supply documents upon request, however ; the credit bureaus have all of this already and have ignored it several times.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is still listing an account that is past the 7 year reporting period. 
XXXX XXXX XXXX, account number XXXX. 
I have attached a copy of my Experian report which reflects how this account is reporting. Please notice the STATUS DETAILS which states : This account is scheduled to continue on record until XXXX 2017. Yet it is still listed on my credit report. Experian is the ONLY credit reporting agency to report this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Texas Office XXXX XXXX XXXX XXXX is reporting, 150 days delinquent on payment. Payment was stopped by the XXXX financial office 6 months ago, due to no required payment from me. XXXX began reporting on my credit report that I am delinquent, latest report XXXX, despite numerous assurances from XXXX staff the credit reporting would stop.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
they removed this from my credit report XXXX {$6000.00} Which is in good standings and want back on all XXXX reports

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 2016-10-31 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The inquiries below I did not authorize. I asked one dealer to go through open bank and they shopped my credit report around without my authorization. 



XXXX Date : XXXX XXXX, 2016 XXXX Date : XXXX XXXX, 2016 XXXX Date : XXXX XXXX, 2016 XXXX XXXX Date : XXXX XXXX, 2016 XXXX XXXX XXXX XXXX Date : XXXX XXXX, 2016 XXXX XXXX XXXX Date : XXXX XXXX, 2016 XXXX Date : XXXX XXXX, 2016 XXXX XXXX XXXX Date : XXXX XXXX, 2016 XXXX Date : XXXX XXXX, 2016 XXXX Date : XXXX XXXX, 2016 XXXX XXXX Date : XXXX XXXX, 2016 XXXX Date : XXXX XXXX, 2016 XXXX Date : XXXX XXXX, 2016 XXXX XXXX XXXX Date : XXXX XXXX, 2016 XXXX OF XXXX Date : XXXX XXXX, 2016 XXXX Date : XXXX XXXX, 2016 XXXX Date : XXXX XXXX, 2016 XXXX XXXX Date : XXXX XXXX, 2016

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 2016-08-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX is reporting inaccurate information & damaging my credit. XX/XX/XXXX, we agreed to a settlement. In the settlement, the bank agreed to remove all account information on all credit reporting agencies. They agreed it would never be reported again. On XXXX XXXX, XXXX I ran my credit & found the information still being reported. I contacted all XXXX credit bureaus & subsequently contacted the data furnisher to remind them of our agreement. XXXX & XXXX removed the account without any issues but Experian continued to report the acct. I instructed Experian of the error again & they informed me to contact the data furnisher. So I sent off a letter to the data furnisher on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I had received nothing from the data furnisher, so I mailed a new letter to Experian to ask them to remove the account from my file. On XXXX XXXX, XXXX I called Experian to check the status of the account & they informed the account was still listed on the report. They also said me there was nothing they could do unless the data furnisher removed it from their records. I 'm filing a complaint for the lack of accountability with Experian. I 'd like Experian to be held accountable for sections 609, 611, 616 & 623 of the FCRA. The information listed is inaccurate & damaging my credit. Attached are the documents sent to Experian & the data furnisher. I like this account 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 explanation
Consumer complaint received 2015-10-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
the information that appear on my credit report was identity theft not belong to me. According to the law it should be remove completely your investigation is not complete.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian did not follow my instructions to delete wrong information 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: CA

Complaint narrative:
Experian is reporting financial information that is incorrect in regards to XXXX XXXX XXXX XXXX. I logged on to my account with opm.gov.cybersecurity on XXXX XXXX, 2016 and noted that Experian has not removed this item. 

Experian 's website will not let me challenge the derogatory item. 

Attached is XXXX 's letter of XXXX XXXX, 2016 along with a screen shot of my credit report from the US Office of Personnel Management account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-16 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: AZ

Complaint narrative:
I received a letter from XXXX indicating my credit score was low. When I called Experian regarding this, they said they had nothing to do with the score, that I would need to contact XXXX. I asked them why it was so low, and they could not tell me why. 
they only wanted me to by my credit score. Which I already know.

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 2015-09-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
1. I have previously disputed the XXXX XXXX, Acct number -- -Account Number : XXXX, with Experian. 
2. Experian claims they have verified this account, please see the dispute results attached. 
3. No Credit Card account has EVER been established by me, with XXXX XXXX. No card, was received, no activation occurred and XXXX has NO history of this accounts existence. 
4. Please delete this inaccurate account. 
5. Please provide the Method of verification, along with the Name, Address or other contact details utilized in your investigation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian has refused to investigate the inaccurate negative mortgage account from XXXX XXXX XXXX opened on XX/XX/2006. This account was charged off to the IRS and is still showing a fraudulent negative balance for the full loan amount. This account is also 7 years old and should be removed from my credit report. Experian has refused to acknowledge these facts and refuses to investigate that this account is 7 years old and will not remove this fraudulent account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
CREDIT REPORTING AGENCY SAYS THEY VERIFIED A BANKRUPTCY ON MY CREDIT FILE. THEY REFUSED TO IDENTIFY THE SOURCE OF THE VALIDATION. I CONTACTED MY LOCAL FEDERAL COURT HOUSE AND WAS INFORMED THAT THEY DO NOT VERIFY BANKRUPTCY INFORMATION. SO IF THE CREDIT REPORTING AGENCY CAN NOT PROPERLY VERIFY THIS PUBLIC RECORDS ON MY PERSONAL CREDIT REPORT THEY NEED TO REMOVE THIS PUBLIC RECORD AND SEND ME AN UPDATED COPY OF MY CREDIT REPORT. THIS IS IN DIRECT VIOLATION OF THE FCRA..

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 2016-12-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I requested validation of a bankruptcy on my credit report reference number # XXXX, providing me with any viable evidence submitted by United States Bankruptcy Court to validate this bankruptcy. Experian failed to provide me with validation and only provided me with a letter stating that it remains on my credit report. An employee looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt or public record.

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 2015-08-16 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Hi, I have a vehicle loan from XXXX XXXX XXXX and last year I was late on one payment mostly because I used to pay my vehicle loan bill with my mortgage and I had refinanced my mortgage and I did n't have to pay that month. Unfortunately I totally forgot about my XXXX XXXX XXXX bill. But as soon as I realized that I paid the bill for the last month and the current month. I was n't notified by XXXX and I had paid the bill before I got their call. On call they said that they will be reporting it to Credit agencies as it was past 30 days. I said it 's fine and I assumed that it will probably be a minor hit as it was one missed payment in 3 years since my loan began and probably the only missed payment since I started paying bills. But I had no clue that my credit score will go down from XXXX to XXXX. Next month we decide to buy a new home and applied for the pre approval. I was shocked to find out what my credit score was. Based on the credit score and just one missed payment, I was being offer a much higher loan rate but I was told that it will be fine by the time we purchase the house as it was still XXXX months away. I was also advised to talk to XXXX XXXX XXXX to see if they could resolve it with credit agencies. I called XXXX XXXX XXXX XXXX times and they never resolved it. On my last call with them, they asked me to raise a complaint with all three credit agencies and they said once credit agencies follow up with them, they will resolve the issue. I went to all three credit agencies and opened the dispute. But I have never heard from them and my FICO score as of today stands at XXXX. And this is all because of one missed payment in 10 years. Since then I have paid all my bills on time and it 's been almost 9 months since I missed the payment. But the credit score is where it was. Now it 's time to close my new home and I had to settle on higher interest rate because my FICO score is low i.e. XXXX. This does n't sound right to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I was very concerned about some accounts on my report that were not right. I wrote a formal letter to Experian hoping to get an explination. I sent this letter on XXXX and have yet to receive a response, they are way past their 30 day limit. My wife also tried to write them letters and they claimed he wasnt real or something. I dont understand what is going on, so I am hoping you all can help me better than they can. Here is the letter I wrote them and my credit report that has the mistakes on it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I pay my XXXX XXXX acct on XX/XX/XXXX. My payment is due on XX/XX/XXXX but I was told that as long as I pay it before 30 days I am not considered late. I called XXXX XXXX when I saw they marked my acct late for XX/XX/XXXX. I pay on the website which I will attach for you to see. Last month when I went on XX/XX/XXXX it showed current. I went on to pay on XX/XX/XXXX and I paid {$750.00} thinking I was paying for XX/XX/XXXX and for half of XX/XX/XXXX. They marked me late for XX/XX/XXXX. I disputed this with Experian immediately. I was notified the other day that not only did they not remove the late mark for XXXX they added XXXX and XXXX as well To play it safe I made another payment of half of what I owe. As you can see from the attached from there website they are showing me with a credit in the amount of XXXX for XX/XX/XXXX. This is an unfair business practice especially since now a days all correspondence is done from the internet. I am requesting that these late marks be removed based on the proof that I am sending to you and I feel that it is illegal what XXXX XXXX has done to my credit that I am working so hard to correct. I am hoping you can help me and I have also spoken with a lawyer about this. To punish me for the dispute they marked me twice on my credit reports. Totally illegal. I have since sent yet another letter to Experian disputing it again but am very upset that XXXX XXXX marked my credit report fraudualently. 

Thank you for your help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Experian has been notified that a judgement against XXXX XXXX XXXX had been satisfied on XXXX XXXX yet still remained on my credit report dated XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. My credit score over the past 3 years has adversely affected my this Company 's ( unknown reasons ) lack of attention to this matter. Please help! 
See attached satisfaction reference file # XXXX I discovered that bureau 's are reporting my credit accounts and personal history that date back 31 years. Is this legal?

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 2016-10-29 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Experian has negative and incorrect information. I sent a letter to them and the credit grantor to the address on their report which came back undeliverable because they are out of business. the letter from Experian stated they could n't make any changes, would n't investigate again ... .oh and it states this information must stay on your credit report for 7 years. This loan was paid in full in XX/XX/XXXX ... this is now XX/XX/XXXX ... do the math. They are difficult to reach as their website says that can be reached on weekends yet when you call during said hours they are closed with no explanation. How can I possibly get this information fixed?

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 2016-04-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have disputed over and over the validity of XXXX XXXX XXXX ' reporting. They were never able to validate a debt. They reported an incorrect balance for years. I disputed and Experian just updated the debt as valid. It was not. It has been incorrectly reported for at least 3 years. Their dispute process did not follow through with appropriately verifying a debt over and over again. They posted the debt as valid and it was not.

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 2015-07-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
Reviewed my credit report as notified by my employer, found INCORRECT credit score from EXPERIAN. Unfortunately MY SON used my identity & got behind on some money problems. While checking my XXXX statement XXXX pay stub ), found a GARISHMENT withdrawal! I took care of my son 's debt / called that company & they SAID my credit would NOT be AFFECTED!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief