vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-07 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:
No one validate information with provided documents. I went to XXXX Federal Court and also written, they said it was computer error and provided me 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 2016-10-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Sent dispute of account to the credit bureau. They claim they investigated and it was verified even after I had received communication from XXXX that they were ceasing collection and would notify the bureaus to remove the account ( s ). I faxed the CB a request to remove with a copy of the letter from XXXX. The account ( s ) are still showing 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 non-monetary relief
Consumer complaint received 2016-12-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
So for several months I 've been disputing the inaccuracy within my credit report with Experian. XXXX being a bankruptcy that 's not mine, XXXX being an account that 's not mine, and XXXX. being addresses that do n't belong to me. I 've been staying in the same place since I was XXXX years old so since XX/XX/XXXX. The address that 's appearing on my credit report belongs to a family remember with a similar name as me. Her name is XXXX XXXX and her birthday is I believe XX/XX/XXXX. XXXX is my cousin who moved here from Iowa. After XXXX did their investigation they mentioned that I had a mixed file, however Experian is stating that they wo n't reinvestigate these items unless I provide them with supporting documents, in which I have. Hopefully you guys can take a look at the information on the report and determine that Experian is a horrible company that breaks the FCRA and they should be held accountable. XXXX from the CFPB gave the legal aid number to potentially start litigation against this bureau. I 've included all information that 's wrong. 
1. XXXX XXXX XXXX XXXX, IL XXXX ( Not Mine ) 2.XXXX XXXX XXXX XXXX, IL XXXX ( Cousin 's Address ) 3. Bankruptcy Chapter XXXX -XX/XX/XXXX Filed and XXXX XXXX/XXXX/XXXX ( Not Mine ) 4. XXXX XXXX XXXX XX/XX/XXXX ( Not Mine and should n't be included in the bankruptcy ) There 's no way that the loan could be included in that bankruptcy since it 's alledging acquired after the bankruptcy was discharged. 

Please find I 've included all necessary documents to state my claim. Also I 'm a victim of identity theft as well.

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 2016-02-07 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I purchased XXXX new cell phone at XXXX XXXX ( XXXX XXXX, Ga ). Two months later I found out that XXXX XXXX opened up XXXX cell phones numbers under my name because of a collections notice that I received. I went to best by twice to resolve the issue. The first time the XXXX representative spoke with XXXX in front of me and stated that the issue will be resolved and it wo n't change my credit. Three weeks later I found out that it did get reported to my credit as an account in collection. I am currently seeking gainful employment and this will have adverse effects since i 'm in law enforcement. The XXXX XXXX managers name is XXXX XXXX ( XXXX, and he stated that he would repeat the process that was already taken the first time. He also refused to acknowledge the situations in writing. I have an interview for a federal position in a few weeks and this issue defames my image severely Thanks, 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
Consumer complaint received 2016-07-06 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
according to the FEDAL FAIR CERDIT REPORTING ACT consumer reporting agency may not report negative information that is more than seven years old from the first date of that account being late.According to CREDIT REPORT file from XX/XX/XXXX and credit report fromXX/XX/XXXX will show that the item I disputed is due for deletion

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 2016-10-14 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 disputed the validity of a Bankruptcy that is being reported on my credit report. I contacted Experian and advised them that there was a Bankruptcy on my report that was not mine so i asked them to remove it, They sent me back a notice that the account was mine and that they validated it. I then asked them to provide to me the name of the person and the process that they used to verify this account in accordance with FCRA 609 and they have not provided me with this information i then requested that they reinvestigate the account and i provided them with the copy of the letter from the U.S Bankruptcy court in XXXX MD. that states that they do not provide information to the Credit Bureaus and i explained to them that they were in violation of FCRA 609 and FCRA 15. I received a letter from them stating that unless i had new evidence in regards to this dispute that they were not going to reinvestigate which is also a FCRA violation, I have been hung up on by the XXXX representatives and the XXXX and also been told that they are not in Violation of any FCRA rules. a search by a third party is not a validation of accuracy anyone can logon to the public website and put in a name or docket # and get the inaccurately reported information. I plan on filing a small claims court case against Experian for defamation and inappropriate reporting if they do n't remove this bankruptcy immediately. i am asking for them to remove a bankruptcy that has no money attached to it and not associated with any account of 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 explanation
Consumer complaint received 2016-04-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX refuses to allow me to dispute the information that is old and should be be removed

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 2017-01-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have 3 personal loans with XXXX Bank. One of my loans I have had since XX/XX/XXXX. I have never missed a payment or have been late with a payment. On XX/XX/XXXX, XXXX charged off my loan without any warning to me and for no specific reason. When I called XXXX to discuss error they told me they 're able to charge off any loan they want at anytime. I did n't sign any contract for these terms. This has greatly effected my credit and XXXX has even taken away certain features of their website from me because they claim I have an account unpaid through them. I have disputed this through Experian and all they did was update status to say " never late '', but it still shows account charged 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 explanation
Consumer complaint received 2016-08-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Inaccurate information on credit report. 
Experian credit report prepared for XXXX XXXX XXXX Your report number is XXXX Report date : XXXX XXXX, 2016 XXXX XXXX Address : XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Account Number : 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 2015-06-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have XXXX accounts from XXXX XXXX XXXX reporting on my Experian credit file. After numerous disputes, I have received no resolution. In addition, these accounts appeared on my credit report in XX/XX/XXXX as 180 days late ( no mortgage reporting since XX/XX/XXXX ) I informed them that I have an open investigation with the CFPB - case # XXXX and they advised me to file a complaint with the CFPB.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
There is a XXXX XXXX account which is being reported as a Negative account on My Experian report. I called XXXX XXXX and was told the account was closed back in 2012. I can not fathom why it is being reported negative if it 's closed. I went to my bank, to apply for a Personal loan, and was denied because of that account being Negative on my report. Is there anyway, something could be done to have it removed. It has left me in a bad place, not being able to apply and get a loan. 
Thanking you in Advance for any assistance rendered.

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 2016-09-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Experian shows that I owe {$2600.00} to XXXX XXXX, but this debt was paid in full in XXXX of 2015.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-20 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.
State: PR

Complaint narrative:
THE COMPANY EXPERIAN REFUSE SEVERAL TIMES MY FREE ANNUAL CREDIT REPORT,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-18 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:
This debt was settled with the exact same debt collection agency yet they reinserted the debt back onto my credit report after it had been taken off. This is becoming insane.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
This is an update to a previous case filed with the CFPB, ( ( Case number : XXXX ) ). I previously disputed multiple collections on the aforementioned case and have since spoken with both XXXX and the original creditor XXXX XXXX XXXX XXXX. I am attaching proof from XXXX XXXX XXXX XXXX that these accounts were opened in a fraudulent manner and have subsequently been removed from my name for all financial responsibility herein. Please update your records accordingly and feel free to reach out to me with any additional questions or concerns you might have in order to help expedite this process. I can be reached at ( XXXX ) XXXX. 

XXXX XXXX Acct : XXXX Amount : {$6500.00} 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 2015-08-08 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:
A few months ago I sent some disputes because there was incorrect and incomplete information on my credit report. So I prepared a nice letter and sent it with a copy of my driver 's license, proof of my social security number and proof of my mailing address so that Experian would be able to verify my identity. 
It has been at least 2 months since I mailed my letter and I have n't heard back. When I try calling their XXXX number they want a report number before I speak with an agent and since I do n't have one I ca n't speak to anyone. 
I thought that the credit companies had to respond back to me within 30 days otherwise they are supposed to remove things from my credit report?! 
Well it 's been way more than 30 days and all of the stuff I disputed is still there. I know I can go online and buy a credit monitoring service and try to dispute things online but I thought that Experian is supposed to help me for free! 
I 'm at the point where I 'm done wasting time and need to get this fixed immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I sent in information about the bankruptcy being removed from my credit report and the inquiry Credit Info to be removed and also sent in a letter stating the bankruptcy office does not report that information and that it needed to be removed. These has not been validated.

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 2015-10-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I disputed a XXXX collection on my Experian credit report starting XX/XX/XXXX. Up to now, Experian still has not removed the XXXX account even after I submitted proof of XXXX balance on XXXX of the account. I informed them that XXXX is submitting incorrect information.How can I have XXXX accounts opened at the same time? Also, how can I receive a credit and a check after I moved and closed my account? Experian is refusing to remove this debt collection account based on XXXX unwilling to rectify this incorrect information reported on my credit report. Experian quickly concluded their investigation in a matter of days and did n't provide me with details as to how they concluded the debt is valid. I need to have this debt removed and for the time clock not to be restarted because I am disputing them with CFPB. Account Number starting with XXXX is not my account and states it was open XXXX. While the correct account XXXX was opened XXXX and last status was on XXXX. This is from Experian report number : XXXX/Report Date : XX/XX/XXXX when I requested my free 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 2015-07-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am not sure you can help me but I have reviewed my credit report numerous times. I have paid my bills on time for the past approximately 10 years and the problem is my credit number does not increase. My status has changed to retired person but even when I was working and making over {$100000.00} and paying bills on time does not positively affect my credit score. 

Can you help with this issue. Perhaps there is something I am not seeing and I do not care to go to a credit expert because they always seem to be selling something. I know you act for my interest and would like some feedback on either your opinion or next steps. 

Thank you, XXXX XXXX

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: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have been unable to obtain a copy of my report. I attempted to do so online XXXX and they said that I answered XXXX the security questions incorrectly. I tried again and it locked me out. I never obtained a copy of my Experian report. I tried ordering it by phone instead. Now I have received a letter telling me that I have already gotten my report for the year. I do n't know what to do to make sure that someone has n't stolen my identity, since apparently some information on my account is incorrect. XXXX sent me a report that had a couple of errors in identification information. Please let me know what I should do. Thanks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-17 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 not responding to my requests to investigate and remove accounts from my credit report that do not belong to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Reporting XXXX unauthorized inquiries, disputed and still continue to 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 2016-01-27 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian keep ignoring the information and proof sent by me. Specifically, in reference to a negative report of 90 days past due. I submitted documentation proving that there never was any late payments to the Department of Education. That the account was paid in full. That the account in question was paid on XXXX XXXX, 2015. Therefore, to report this account 90 days late in XXXX, 2015 is inaccurate. I have sent documentation affirming these facts. Their answer have never addressed specifically this issue. I requested as per U.S.C. [ 15 1681i ] The re-investigation procedure. The Department of Education has provided the information affirming my claim that the account was paid in full on XXXX XXXX, 2015. Experian has failed to contradict or provide what documentation justify not removing the negative report of 90 days past due. As consequence my Credit Score has dropped from XXXX to XXXX. With grave financial loss, since all of my insurances cost have increase. Has delayed the purchase of an automobile and the inability to secure low interest loans. Thank you for your consideration on this 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 2015-07-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Notice of federal tax Lien is on my public record and it should have been remove since XXXX/XXXX/2014. All credit agency 's XXXX XXXX XXXX and Experian still show it on my creditreport I want it off now.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
experian credit reportXXXX XXXX status showing XXXXand showing foreclosure proceeding started status should be : included in chapter XXXX bankruptcy XXXX balance ( unrated )

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