vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-28 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have no knowledge of accounts opened that were asked of me to verify my information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Experian has told me that they have investigated an account to XXXX XXXX XXXX. After speaking to the original creditor, XXXX XXXX XXXX had the credit bureaus remove the false information from my credit report. Experian has refused to remove this information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-06 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:
Experian has inaccurate social for me, accounts listed that do not belong to me as well as many addresses. I have disputed with same results as before. I even supplied Experian my personal information which validates they have wrong information. Due to these errors they are hurting my credit score. Please help this is wrong what they do to consumers.

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 2015-04-02 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 being billed for an item I have no knowledge of, until I received a letter from the collection agency. I was out of the country for a period of time and I believe someone that resided with me at the time, created an account with out of my knowledge.attached is my credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 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:
XXXX XXXX and XXXX pulled my credit without authorization and has lowered my Credit Score and prevented me from receiving a much needed loan with XXXX XXXX to expand my business. This intentional error in reporting and unauthorized inquiry has caused me monetary harm and inflicted undue stress and embarrassment to my family. Further we due to the nature of the inquiry we believe that the reason for this action was punitive in an effort to lower our credit scores to make us pay more for a loan with a different contractor. 

I was approved for a loan by XXXX in XXXX. The loan had a window of six months to add the costs of the project into the loan before it closed. XXXX did not complete the project in time and when they finally finished the loan had been closed to any more charges. So at that point and without our permission, written or otherwise, XXXX and XXXX decided to create a new loan account without authorization. At that time BOTH XXXX and XXXX pulled a copy of my credit report. This was a full seven months after we agreed to be considered for the first loan by XXXX, NOT XXXX. We were not contacted other than to tell us that a new loan have been made and our old account had been closed. 

I received notification through Experian credit watch tool that XXXX had ran my credit. I contacted XXXX about it and they basically told me to contact the credit reporting agency and they would remove the inquiry as they had made an error. As for XXXX they just automatically did a hard inquiry as though I had authorized them to create a new loan, I had not. 

This is unfair, punitive, and mindless assault on my family 's credibility and financial well being. I want those inquiries removed and the damages incurred remedied.

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 2017-01-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Experian is not properly verifying my account. I have tried to dispute with them numerous of time, but I am not receiving anything that is validating the debt listed on 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
Consumer complaint received 2016-02-03 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: MN

Complaint narrative:
I sent in my paperwork to get my free annual credit report. I filled out the form and made a photocopy of my XXXX to send along with it. XXXX and XXXX sent me my credit report right away. Experian instead denied my request stating that the social security number I provided did not match their records on file and that I would have to prove my social security number is correct. 
On the letter there was also a phone number to request a credit report by phone. The number is XXXX. When you call that number it is not possible to actually get through to someone to request a credit report it simply puts you in an endless loop of a computerized system that the only options is for paid services. 
I was able to track down another number for Experian and selected paid services from the automatic menu that I thought would transfer me to a live person. After several attempts I finally found one. The woman I spoke with, who did not identify herself, was able to look up my information and she told me that there is no record that they ever received my request for my credit report or that they had denied my request. What she told me was that they must document every time my report is accessed. So it appears that they just deny every request for a free credit report and implemented a system that would force you to either be very good at skiptracing, a skill most people are n't even aware exists, or to pay for a credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

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 2016-12-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I contacted all XXXX bureaus regarding fraudulent access to my credit file but only XXXX have fraud alert on them because XXXX was giving me a hard time. I have hard inquires on my file which was not authorized. I was informed that I must contact the companies to remove the inquires. After I did what I was informed, the companies informed me that they do not have anything in there system with my information. It 's ridiculous how I have a fraud alert on my credit report yet these companies can have access to my credit report. Who is protecting my information? Why did XXXX allow such numerous companies and some more than once access my report without my authorization. I request that each inquire get removed and I request that an update credit report reflecting such changes.

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 2016-11-17 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:
According to the IRS ; I was apart of their database breach of 2015. Since then I have seen an increase of inquiries reported on my credit. Some inquires happened multiple times over the course of the same day.

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 2017-03-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
a tax lien was placed on my report and they was suppose to take it off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian refuses to re-investigate the XXXX negative accounts and refuses to remove them even though they are past the statute of limitations. Also how is it they are still in business and not being sued by federal government for violating the fair trade act? They are currently being sued by the state of Mississippi for violating it. They are harming peoples lives by not doing what they are supposed to. Disputing an item once and not doing it again even XXXX years later goes against the fair trade act. When you call they try to pitch things for you to buy.

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: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Pursuant to section 611 the Credit Reporting Agency did not have completeness of record for the inquires in question. The credit agency did not have proof I initiate the inquiries, pursuant to section 609 the FCRA, the Credit Reporting Agency did not prove the procedure of their investigation. I want the items ( inquiries ) on the attached demand letter deleted 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 2016-05-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian fails to remove the XXXX account. Experian reports incorrectly the current Date of Status. Experian reports incorrectly the date of first delinquency for removal. Experian reports incorrectly that this account is scheduled to continue on my report until XXXX 2016 even though I received a XXXX Cancellation of Debt from XXXX. Experian continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.

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 2016-04-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I was asked by the cashier at XXXX if I wanted to apply for a card and get XXXX % off of my purchase, said no I have a card, he said that does not matter so I said go ahead then. 3 or 4 months later I applied for a loan and was declined because I had not paid XXXX in 3 months. 
I contacted XXXX they supposedly sent a bill and it was returned. They did this 3 times? They have my phone number, should't you make a phone call to see what was wrong? 
After my last conversation with XXXX I was told they would file papers stating I was disputing this claim. I have not heard back from them yet nor have I received the credit card or a statement since I started this futile search 3 weeks ago. I had credit scores in the XXXX or so range now I am at XXXX and can not get a loan. I pay out several thousand a month in bills when statements arrive. Why would I not pay a {$75.00} bill to XXXX? 
I could be out of business because of this and do not know where to turn next. 
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 2015-07-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX charge off account is being reported incorrectly on my Credit ReportI called XXXX and they were not able to provide me information on this account

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I disputed my XXXX tax liens that were filed XX/XX/XXXX for balances of {$30000.00}, {$2800.00}, and {$24000.00} filed with all XXXX bureaus. These liens are over 7 years old, and my legal rights are being violated with the Fair Credit Reporting Act Section XXXX 15 U.S.C. 1681c ) ( 2 ). This Act states, that liens which began reporting over 7 years ago should be removed from a consumers reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-19 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I 'm filing this complaint against XXXX because they ignored my request to provide me with the documentations 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 problem as soon as possible. Thank You!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Statebridge Company
State: MD

Complaint narrative:
Hi my name is XXXX XXXX for the last three years I been trying to get a modification well they gave me one but it always was high well XXXX sold my mortgags to statebridge well I was late one month and they charges me a XXXX late fee and start talking about putting a lie on the house mean time my husband have a XXXX XXXX meant and cant work and now getting a temporary pay check until soc sec start so I sent all the paper work in for a modification and they sent me a letter saying they would not give it to me mind you my house not is XXXX I am behind 3 moths they are asking me for XXXX the lats charge are XXXX my husband XXXX XXXX from his XXXX so we could catch up until his soc sec come in but what they asking for we do n't have they are really not trying to help us I beer in this run down house for 20 years and have no where to go I WENT TO HOPE AND THEY DID NOTHING FOR ME I was told there help out were is it I pray to XXXX that you guys can help me they something fraudulent about statebridge going on even a lawyer told me so. I cant afford a lawyer right now so please help us thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Marlette Funding, LLC
State: MO

Complaint narrative:
I currently have a new loan with Best Egg. I had a payment due on XXXX XXXX, 2015 that was set to auto debit. I logged onto their website and made my payment on XXXX XXXX, 2015 and they applied it on that day. I logged into their website on XXXX XXXX and it stated my next payment was due XXXX XXXX, 2015. Even though I had already made my monthly payment, they still auto debited the payment out of my account, causing my checking account to go negative. When I called them to find out what the issue was they just stated that the auto debit system is n't tied to the online system and I should have called and cancelled the auto debit. I asked why they would take money when no payment was due and they stated that they have a poor system in place. Can they debit money from my account if I do n't have a payment due and my loan is n't past due?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I 'm requesting the support of Consumer Financial Bureau to help me resolve this issue. 
I 've sent multiple disputes to Experian regarding inaccurate personal information on my credit report and they continue to report it despite sending them copies of my documents : drivers license, social security card and a utility bill per their dispute instructions. 

This inaccurate information needs to be removed from my credit report : XXXX XXXX XXXX This is not correct. It 's not my name. 
XXXX-This is not correct. It 's not my name XXXX XXXX XXXX XXXX NC XXXX This is not my residence. 

My documents clearly show the correct spelling of my name " XXXX XXXX XXXX ''. Attached again are copies of my legal documents : Drivers license, social security card, and utility bill.

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 2016-08-02 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have sent several requests to Experian to provide me with the documents that their company has on file that were used to verify the accounts I 've disputed. It 's been a few months and they have not been able to verify these accounts. As a result, per the FCRA, section 611 ( 5 ) ( A ), they are required to " promptly delete all items which can not be verified from the file of the consumer. '' 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 explanation
Consumer complaint received 2016-03-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I wish to make a formal complaint about entry error on my Experian Credit Report. I wish the following entry investigated as they occurred before my Chapter XXXX Bankruptcy filed in Federal Bankruptcy Court XXXX XXXX, NV XXXX on XXXX XXXX XXXX and discharged XXXX XXXX, XXXX. 
Public Record : CA State Tax Lien XXXX XXXX / Recorder XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Reference # XXXX ID # XXXX Filed : XXXX XXXX XXXX Amount : {$14000.00} This is currently being reported on my Experian Credit File. I have already corresponded with all XXXX credit bureaus and Experian refuses to remove this item ( Report # XXXX ), Date : XXXX XXXX, XXXX. XXXX has deleted this item stating that the tax lien was relieved in bankruptcy ( File # XXXX ), Date : XXXX XXXX, XXXX. 

The CA tax lien is for tax year XXXX and the tax lien was not filed until XXXX XXXX. 
Account : XXXX Original tax amount : {$7900.00} Penalty amount : {$1900.00} Collection Fees : {$180.00} Due to this interest accumulated totaled {$4600.00} I wished this entry removed from my Experian Credit File. 
I have a perfect payment record since my bankruptcy and I feel this is unfair to my credit standing, and this negative remark of my credit reports does not truly reflect my credit worthiness to date. 
In light of this information, I feel all XXXX credit bureaus should delete this potentially negative record to avoid further confusion to potential creditors in the future. 

Sincerely, XXXX 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