vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I entered into a law suit with XXXX XXXX XXXX in XXXX and it was finally settled in XXXX XXXX. During that time the XXXX Court in Georgia ruld that I would make all my monthly payments to the court clerk 's office and not to XXXX. I made XXXX on-time payments and they still appear as late on my credit report.The agreement states they had to rescind the foreclosure and it still appears as a foreclose. For the past 6 weeks I have been trying to get XXXX to resolve it and I keep getting the run around I have documented that the payments were on time.If they had not been made the case could have been thrown out, I just want it reported accurately. They had 7 months to update the credit accurately and they have not updated anything. The court ruled they would receive my payments at settlement and they received the payments XX/XX/XXXX. XXXX now need to report it accurately as well as remove the foreclose. Every time I call I get a different story they told me the agreement does n't state they have to do credit repair but should n't they have to be accurate for a change? They are still looking into it! I was told I would get a call back yesterday, I did not when I called they said the person was out unexpectedly. It is always some reason. I just called again and got nowhere! 

I have attached the emails between the attorneys discussing this issue before the agreement was approved by the court and a few of my my payment receipts from the court. We signed the agreement XX/XX/XXXX, they got there money the same day and then it took 5 months to complete there side of the agreement. XXXX is an awful company!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31 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:
XXXX place a collection account on my experian credit report this collection account is identity theft my police report number is 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 2016-03-21 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: FL

Complaint narrative:
I went to the annualcreditreport.com. to order a copy of my free credit report from all three agencies. My information is take, than I get a response from Experian. unable to supply me with a copy of my credit report at this time. I am then asked to send my request through the mail, with so more private information about me. I have received a copy of my report several years ago, but I do n't remember it being this difficult to see a copy of my report. When I call all three number associated with the credit bureaus, it is just a teleprompter of sending you around the circle where no physical person comes onto the phone. I would like to know, why I can not get a copy of my report online. If I knew what the problem was I could fix it, but if I do n't know what the problem is, I can not fix it.

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 2016-09-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This item should 've been removed from our credit reports. Please see the attached letter.

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 2015-08-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have tried to dispute this account online and Experian refuses to allow me to do so. They have an account for XXXX XXXX on my credit report with the terms and payment history wrong. 

A. The account is listed on my credit report but the account has been closed for over 2 years. 
B. They have that the account is currently 60 days late. The account is PAID IN FULL. 
C. I want to dispute this account and they will not allow me access to my credit file. What is the problem?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: MI

Complaint narrative:
I received a call from someone saying they were from XXXX and that my computer had issues. The accessed my computer and my bank account to supposedly deposit {$200.00} into my checking account. They supposedly made an error and the deposit was for {$2800.00} and needed the extra money returned. What I did n't know was that the money was a transfer from MY LOC account. Needless to say I am out {$2500.00} at this time. 
The amount was a Western Union trensfer. The phone number I was called from is XXXX. 
If possible I would like assistance in retrieving the money. 
I should have went with my first instinct that this was possibly a fraud but they had locked me out of my computer using a XXXX viewer and I could not unlock the computer until they called me. TheThank your for any assistance you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
These items that appear on my experian report are not mine and need to be deleted immediately. I want these companies to provide me with a signed agreement with my signature stating I opened these accounts. I have disputed these items with experian before and they will not reinvestigate these trades but simply state that they have do so already and refuse to reinvestigate these trades anymore, I received no proof from experian stating that these were my trades just a simple oh well we verified they are yours you dont like the results too bad. Im done trying to be nice with credit reporting agencies I want written proof something with my signature stating I opened and used these accounts. the trades are as follows. 
XXXX XXXX acct number XXXX .... 
XXXX XXXX acct number XXXX .... 
XXXX XXXX bank acct number XXXX .... 
XXXX XXXX Bank acct number XXXX .... 
XXXX XXXX acct number XXXX .... 
XXXX acct number XXXX ... 
I want written proof from these companies that these accounts belong to me meaning something with my signature stating that I opened them

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-07 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Experian Information Solutions Inc.
State: ME

Complaint narrative:
Experian is the only company of the XXXX that require supporting documentation such as drivers licenses, utility bill copies etc to be filed with them to establish or renew a 90 day fraud alert. If XXXX and and XXXX can accomplish all that online why not Experian? Their requirements could easily lead XXXX to believe they are attempting to make the process difficult as possible with the hope that consumers will just abandon placing an alert. Alerts, to my understanding, if filed with XXXX company are to be shared with the remaining XXXX agencies but that does n't always happen. Why ca n't the process be, made easier ( this is not concerning myself so much as other filers in the household )?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-22 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I reported a debt that I have absolutely no idea why it is on my credit report to all XXXX agencies. This debt is not accurate and I do n't know how it got here. It says I owe {$150.00} to XXXX XXXX. It says account was opened in XX/XX/XXXX and they JUST added it to my credit reports in XX/XX/XXXX. This makes no sense! I have an up to date and active cellular account with XXXX XXXX, so how in the world do I all the sudden owe money from 5 years ago?! I never once received a bill or a phone call from these people and since I have an ongoing active account with them, why would they never have mentioned this so called " debt '' to me. This is robbery. It is affecting my scores and I need it removed. I filed disputes with all XXXX agencies and I received an update through Experian so far. Experian, after XXXX hours, sends me an email and when I click on the link it says " updated ''. This should be deleted, not updated!!! I do n't even know what it 's for! I 'm upset and outraged that they are allowing this to happen. For the past few years I have never made a late payment or allowed an account to go delinquent so this is ridiculous. There 's not even a telephone number to contact this " XXXX '' account, so who 's going to help me? Experian did not help me and I need help!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 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:
Credit bureau refuses to remove fraudulent information after receiving a FTC Fraud Affidavit.

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 2015-04-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I filed a dispute concerning XXXX XXXX. When I did n't get the response I expected I filed a report with CFPB. I received a letter from XXXX XXXX stating that " XXXX XXXX reported your account to the credit reporting agencies as a " Satisfactory Account- Closed at Consumer 's Request '' in XX/XX/XXXX. In XXXX and XX/XX/XXXX, your account was reported as " 30 days past due '' and " 60 days past due '' respectively. However, upon the closing of the billing dispute noted above, your account has been re-aged. The delinquencies have been removed and your account will report as current for XXXX XX/XX/XXXX with the next reporting of your account. We regret any frustration you may haveexperienced as a result of this situation. The issue regarding the credit has been escalated to the appropriate team for further research. " I called Experian and asked why my account has n't been re-aged and why they reported the Account closed as of XXXX, not XXXX. I stated that I attached the letter from XXXX XXXX. XXXX from Experian explained that the Account # XXXX XXXX reports is different than the Credit Card Account #. XXXX said that they will send the letter to XXXX XXXX to verify. 

Why was n't the letter sent to me by XXXX XXXX verified before completing the dispute? I would like this issued resolved as it seems to be lingering on.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-03 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:
item 's on my credit file was deleted. ( XXXX credit card with a balance of {$580.00} ) because this information reported was false. also info on a XXXX privet student loan with a balance of XXXX and XXXX XXXX privet student loan with a balance of XXXX the information being reported on these accounts are completely false and does not comply with the fair credit reporting act 15 USC 1681 et seq

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 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: FL

Complaint narrative:
On the XXXX XXXX 2016, while trying to get my report online, XXXX kept telling me " unable to complete your request '', I then tried XXXX and Experian and both of them asked questions that dont pertain to me in any way whatsoever. 
I then called XXXX ( XXXX XXXX 2016 ) and ordered my free report. Today is the XXXX XXXX and none of the companies have set a report to me. I tried to speak to a human at the XXXX another which is impossible. 
I tried calling all XXXX credit reporting companies and even attempted to use the their .com websites which redirects me to the XXXX website. I was advised to file a police report and need the credit reports to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am in receipt of your online. '' I am upset that your credit reporting agency ( Experian ) would try such a blatant stall tactic. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. 

1 ) I have call XXXX and talked to XXXX XXXX X XXXX and she stated XXXX never validated info with Experian and similar response from XXXX XXXX. 
2 ) You never investigated XXXX delinquent date which was XXXX XXXX. Expired in XXXX XXXX 3 ) Please re-investigate of all these accounts XXXX delinquent date 4 ) It is past 7 years in XXXX XXXX If you have any questions, please contact me at the address listed below. 

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: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Paid off my XXXX loan and XXXX still refuses to fix it on my credit, making it 120 days late when I have all the pay off, info proof that it was paid off same for transition both bereaus have been preventing me from getting a car, and causing XXXX and ruining my life

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 2016-09-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I had a foreclosure on XXXX 2013 with XXXX XXXX. That account is still open on my credit report and XXXX XXXX is now bankrupt.

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 2016-06-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
There is a student loan with XXXX that is showing a balance of {$67000.00} in collections on my Experian credit report. This loan belongs to my daughter and her account is in good standing. There is no longer a balance on this account or in negative standings. I have disputed this account numerous times and Experian refuses to make any changes on the account. XXXX and XXXX has deleted the account from my report, but it seems that no matter how much I dispute the account Experian does not want to cooperate with my requests and re-investigate the item to have the erroneous and inaccurate information removed.. So I am filing this complaint hoping that I do not have to seek legal counsel.

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 2016-06-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
Experian is ignoring my numerous requests to investigate, verify and remove accounts from my credit report that do not 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 explanation
Consumer complaint received 2015-07-09 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:
I have contacted all three credit reporting companies, because I received a letter from XXXX XXXX XXXX XXXX who claimed to have bought a debt relating to me from a third party ). I have continuously stated that this debt is not mine both to XXXX and to the credit reporting agencies. XXXX 's letter notified me that the statute of limitation HAS EXPIRED, and they will contact the credit agencies to remove this debt from my credit report. However, the debt still remains on my report although the statute of limitation has expired. This debt was never mine to begin with, and I even went to court, and it was disposed of by the judge over 3-4 years ago because XXXX attorneys could n't offer any proof. 

If you take a look at my supporting documents XXXX my letter to the credit agency and XXXX letter to me - attached ), it is officially from XXXX ; however, the credit agencies " claim '' that when they contacted XXXX, that they were told that this debt is mine -- obviously because XXXX wants money, and rather than the credit agencies doing their jobs, in terms of accuracy, they are failing to do so and being ignorant of my side of the story. 

This debt is not mine, and the credit agencies need to read the official letter sent to me by XXXX. This is harassment on the part of XXXX if they are indeed stating this debt is accurate, when their own letter states that the statute of limitation has expired and even went further to state that they will contact the credit agencies to remove. 

Please assist in getting this " inaccurate '' and " expired XXXX '' information from XXXX off my credit report. 

Many thanks, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-29 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 disputed on my second mortgage with Experian on XXXX which was included in a chapter XXXX bankruptcy in XXXX of XXXX. I have noticed that XXXX has been reporting in the Recent Balance XXXX $ and a current date of XXXX. I also noticed on other credit reports such as the XXXX in XXXX that it was being reported as Date of Major Delinquency First Reported and put the date of XXXX. I did not re-affirm this loan in the bankruptcy. My understanding is that from what I am reading that " After bankruptcy mortgage payments-current or late-do n't show on your credit. My results from Experian is that is will remain. My 1st mortgage with wells fargo under Recent balance shows the correct date of XXXX which is what it should say on safe credit union. XXXX informed me that they can not report any payments on the credit file. So why is XXXX XXXX XXXX reporting it. I would like to have it fixed. I have attatched screen shots of the reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: GLENN ASSOCIATES MID-ATLANTIC, INC
State: DE

Complaint narrative:
Glenn Associates representative contacted me and asked if i was aware that XXXX XXXX had entered a judgement against me i said no and that it was impossible because it was an old debt, she continued on to tell me that they have twenty years to do so. She stated that i should look on public records with the account numbers. I have not been served with any papers and their tactics are bogus.

Company response to consumer: Closed
Consumer complaint received 2017-01-19 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX {$790.00} Account was not verified as according to law ; no documents were sent. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that the credit reporting agency disclose to me all of the documents that have been recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. It was responded to my request saying that these accounts have been verified. There were no copies of the documents that the credit agency has in their files sent to me. 
You do not have any documentation in your files to verify the accuracy of the disputed account, please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, the credit agency was unable to provide me with a copy of the verifiable proof that for the account listed below within XXXX days of XXXX/XXXX/2016 please remove accounts 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 explanation