vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: CA

Complaint narrative:
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-17 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
My credit score is being artificially lowered by these companies ' policies of having multiple credit report or score requests adversely affect one 's credit score. How? 

( 1 ) Searching for a home and shopping for the best mortgage/financing has generated multiple reports which they claim indicate some sort of " problem. '' We placed offers on XXXX homes - both failed their home inspections, so we did not purchase either XXXX - which generated more reports and lowered our score even further. 

( 2 ) Our report said we had a " too high balance-to-limit ratio '' on our bank card. It averaged {$2500.00} on a {$5000.00} limit. So we raised the limit to {$7500.00} which generated yet another report. 

( 3 ) We are actually pre-approved by a lender, but because it 's been hard to find a home within our price range, enough time passes that they will pull another credit report if we make another offer on another home. And then our score will sink once again. 

( 4 ) We have pristine credit, yet our score has dropped XXXX points in the past six months, all due to this bizarre policy. 

( 5 ) I went online to dispute this but they say, in writing, their " policy '' does not allow this to be disputed. So according to them, there is, therefore, no means to resolve this. 

( 6 ) We are now afraid to look for a house or financing for fear of lowering our credit score even further. This is insane.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26 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 XXXX Account XXXX is being reported incorrectly by XXXX XXXX XXXX, they indicate the first date of delinquency on the account is XXXX XXXX, which is incorrect. The first date of delinquency appears to be XXXX XXXX. I need this corrected 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 2016-08-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Every time I try to submit an online dispute, the Experian system says " our system is down ''. My credit score dropped XXXX points over night from XXXX XXXX, 2016 to XXXX XXXX, 2016, and I 'm trying to find out why. Every person at Experian says they 're unable to tell me why my credit score decreased by XXXX points. Per my record, my overall credit utilization has decreased. Per my record, I have paid all my bills timely for a consistent period of time, Per my record, my outstanding balances on credit cards and installment payments have continued to decrease. Help me better understand why my credit score dropped over XXXX points and what justified that significant of a decrease. Because of what I believe to be an invalid entry of information, this is going to result in potentially lethal consequences for me, as I can not buy my XXXX medications. This issue must be resolved within 24 hours in order to avoid potentially adverse and potentially harmful impact human life since this adversely impacts my ability to obtain medication and other things for living.

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 2016-05-06 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: TX

Complaint narrative:
I received a screen online that read, " We were unable to honor your request. If you entered credit card information, we did not charge you '' ( I did not enter credit card information, nor was asked for it ... Was I scammed?

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 2016-05-17 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I paid {$1.00} for an annual credit report and was automatically signed up for a {$22.00} a month credit reporting service which I did not want nor was it made clear that I would be signed up for.

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 monetary relief
Consumer complaint received 2016-11-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian is reporting incorrect personal information. 

Inaccurate names : XXXX XXXX XXXX XXXX ( there is no space in my name, please delete ) XXXX ( there is no space in my name, please delete ) XXXX ( name spelled wrong, please delete ) XXXX XXXX ( last name incomplete, please delete ) XXXX XXXX XXXX ( last name incomplete, please delete ) XXXX XXXX XXXX ( last name incomplete and there is no space, please delete ) XXXX ( last name incomplete, please delete ) XXXX ( name incomplete, please delete ) XXXX ( there is no space in my name, please delete ) Inaccurate Addresses : XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY 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 2015-10-01 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: VA

Complaint narrative:
I ca n't get my report it asks questions that I do n't know the answer to? I should know where I 've had a loan! right? I already had someone get electric in my name.I had to do police report and all kinds of headaches. I went without power for 3weeks from this deal and even had to deal with social services trying to charge me for neglect of my children. I ca n't get a cell phone, a used car, a credit card, not a thing please help me I do n't know what to do.I ca n't even get my report to dispute. I 'm XXXX old have XXXX and I 've worked my XXXX off for everything I have.What should I do?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have attempted to dispute this fraudulent XXXX XXXX XXXX account with Experian multiple times, and they refuse to remove it. This account does not belong to me. I am a victim of identity theft. I now have IN WRITING, a letter from the original creditor directly, stating this account was fraudulent and they have requested it be removed. The name on the account ISNT EVEN MINE!

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 2015-09-29 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Managing, opening, or closing account — 
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I received a Citi bank Visa pre paid visa card as a rebate from XXXX XXXX. The card had an extremely short expiration date of 6 months. The funds in the account were removed once past the expiration date. Per Federal Regulations I believe the card should not have had an expriation date under 5 years. I have contacted Citi bank who refuses to re instate the funds.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Good Morning, I am reporting a creditor the XXXX XXXX XXXX because on Friday I went online to pull my credit report to look into purchasing a home in 2016 only to discover that this creditor has reported to the credit agency that my debt was essentially charged off and a written off on my credit report which is totally inaccurate. The debt in question has indeed received full payment and satisfied. The creditor I assume sold the debt to a debt collection agency who I had absolutely no contract with to collect the debt. I am requesting this debt be deleted off my credit report for inaccurate reporting and any funds I paid after the charge off date be refunded to me for the false information they have reported to the credit agency on all XXXX bureaus

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have XXXX companies that are calming that i have an outstanding close balance with XXXX that was for the same past due bill that was on my report and last year previously deleted off at the beginning of the year. 
XXXX company is XXXX XXXX XXXX, and the other XXXX is XXXX both have amounts of XXXX and XXXX ... I think the last company sold this account to a different creditors and they put it back on my credit report. under different names. 

can you please help me get this off my credit please

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 2015-04-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX account # XXXX I did not sign up for XXXX in XXXX. This is inaccurate and most likely fraudulent activity. I did not have an account with them then. I do not owe XXXX anything neither do I owe this collection agency anything.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
EXPERIAN fails to remove the XXXX XXXX XXXX account. EXPERIAN reports incorrectly that this account has a credit limit of {$67000.00}. EXPERIAN reports incorrectly that this account is revolving. EXPERIAN reports incorrectly that this account has a past due amount of {$64000.00}. XXXX 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 explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX, XXXX does not have a XXXX XXXX XXXX credit card and he has not lived a XXXX XXXX, XXXX, AL. Would appreciate having this corrected. Look forward to hearing regarding this correction.

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 2015-04-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian just updated my credit report stating that the account reported by NY state child support enforcement is still showing a balance of {$1500.00} as of XXXX. This is information is false and incorrect. That account has been paid in full and verified to me by NY child enforcement. Kindly remove this negative information from my 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 2015-06-20 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.

Complaint narrative:
experian is not providing my credit score and report and is affecting me as I can not refinance my home

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-04 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 've had my driver 's license, social security card, checkbook, and several credit cards stolen. Fraudulent accounts have been opened in my name. I filed police reports, fraud affidavits, disputes with creditors of the fraudulent accounts opened in my name and all the credit bureaus. I have disputed XXXX XXXX fraudulent account with Experian several times providing police reports and affidavits. I have contacted XXXX XXXX and provided them with the same information. XXXX XXXX agreed to have the account deleted from my report.Other XXXX bureaus deleted the account from my report immediately. Experian keeps verifying fraudulent information and refusing to correct my report. Experian is in direct violation of FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). I demand immediate correction of 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 non-monetary relief
Consumer complaint received 2016-11-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX reported the balance incorrect on my credit card which is causing a negative score against me. Please have XXXX XXXX XXXX XXXX XXXX correct the matter.

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 2015-06-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of Identity theft. I went to rent a condo and on my credit report showed a EVICTION that I never had, the person also went to court using my name and a judgement was settled against me. I did go to the police and the individual was arrested. I did flag my credit now what do i do to take it off my record. I cant rent anywhere with that on my record..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-29 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 was unable to receive XXXX of my credit reports

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-10 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: CA

Complaint narrative:
I have not been able to file a complaint with them. The telephone numbers they supply are automated that try to sell you products with an endless loop of sales pitches. Here is the number Experian supplied XXXX. Call the number and see for yourself. I was unable to get a online copy of my credit report from them last year and also this year. Two years in a row.

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 2016-05-19 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I sent a method of validation letter to Experian regarding an account that is listed on my credit report. The letter that I sent to Experian is attached. Experian did not answer the questions in my letter and has n't removed the account from my credit report. Experian sent me a copy of my credit report. If they are unable to properly respond to my letter the account should be immediately removed 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
Consumer complaint received 2016-08-16 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 have notified Experian on many different occasions that the following addresses do not or have never belonged to me. Please remove the following addresses from my credit file : XXXX XXXX XXXX XXXX, XXXX, XXXX 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 explanation
Consumer complaint received 2015-12-22 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:
There are XXXX creditors reporting on my credit reports XXXX, Experian. Target and XXXX XXXX. I disputed these companies as fraudulent since discovering in XXXX or XXXX. Even though these were not my debts they refused to remove. They have had these on my credit reports 9 or 10 years which they should have been removed any ways. But what they the companies keep doing is going in and updating the date opened, which is fraud. They went and said XXXX or XXXX as opened when again, I have been battling this since XXXX or XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In XXXX 2015 I reported to Experian that XXXX XXXX had incorrectly added a late payment to my credit report after advising me to make a payment after they modified my mortgage payment after a randomized " escrow analysis '' in the middle of a billing cycle. After the corrected the balance due, I promptly made the payment and then they sent the late payment report to the credit bureau after telling me multiple times that it would not be late. I had representatives agree with me on the phone and then never correct this on my credit and I am appalled. I want this removed. I have tried to have this reopened by Experian and their site will does n't accept the uploads. XXXX has done this twice on my credit report after 10 years of paying my mortgage on 10 without one late payment. It 's unfair and needs be stopped and Experian should look at the documentation of consumers closely.

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 2016-03-20 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX SS # XXXX DOB XX/XX/XXXX XXXX HAS AGREED TO REMOVE INQUIRY FROM MY REPORT. 
DELETE XXXX INQUIREY FROM MY REPORT DRIVERS ID AND UTILITY BILL AND SS CARD IS ATTACHED DO NOT SAY YOU DO N'T HAVE MY ID

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 2016-05-06 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:
On XXXX XXXX I have contacted Experian about several fraudulent accounts being reported on my consumer report Experian failed to block the accounts despite my police report and fraud victim identity theft affidavit. A list of the fraudulent account Experian failed to block is mentioned below, 1 ) XXXX Mortgage 2 ) XXXX 3 ) XXXX 4 ) XXXX 5 ) 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