vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-03 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: CA

Complaint narrative:
EXPERIAN DOES NOT SEEM TO PARTICIPATE WITH XXXX I HAVE ATTEMPTED TO REQUEST MY CREDIT REPORT FROM ALL XXXX BURAUS. EXPERIAN IS THE ONLY ONE THAT GAVE ME " UNABLE TO GRANT YOUR REQUEST '' MESSAGE. SAME THING HAPPENED WITH MY WIFE AND MY SON. 
WE WERE NEVER ABLE TO PULL OUR EXPERIAN REPORT FROM XXXX ALSO, THEY HAVE BLOCKED THEIR PHONE LINES WITH NO AVAIL TO REACH A LIVE PERSON AND HAVE BLOCKED ON LINE ACCESS TO MY OWN FILE THROUGTH XXXX OR XXXX THIS HAPPENED BEFORE AND SEEMS TO BE THE STALL TACTICS USED BY EXPERIAN. UNFAIR TO ALL CONSUMERS AND NOT A RIGHT WAY TO CONDUCT BUSINESS ON THE NATIONAL LEVEL!!!

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 — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX is a debt purchasing company and they are attempting to collect on a XXXX XXXX acct # XXXX and there internal # XXXX is from fraudulent activity and the original creditor had knowledge of this. XXXX needs to delete there collection remarks effective immediately and and close and return this back to the original creditor

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: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
experian dispute report came back with same wrong late payment when i was never late.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-19 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: GA

Complaint narrative:
I am unable to access my credit report online directly with Experian to do disputes or view report. I am also unable to request my free annual credit report either. I am entering my correct information and once upon a time I was able to do so without a problem. I have made Experian aware of this problem as well and they have not resolved it. I spoke with XXXX in Consumer Affairs and he removed my current address and readded it incorrectly resulting in my current address still being incorrect and I am still unable to access my report. My current address is also showing as a new residence because of whatever changes he made. They also placed a fraud alert on my report that I did not request to have added. I requested it to be removed and they requested me to send in my license, a bill and a written request to have something removed that I never requested to have added in writing or verbally. Although I did n't agree with the request, I submitted the information and received a confirmation that the fax was submitted successfully. However, I still am unable to access my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-14 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:
For starters this is not my debt I never was present or signed any paper work and I have provided this information to XXXX XXXX and they continue their aggressive collection practices XXXX XXXX, Purchase this debt from XXXX / XXXX in 2011 they deleted after 7 years of no activity, so XXXX has by law no right to continue to report XXXX XXXX and Experian are in violation of the fair credit act

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 2015-08-09 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
unauthorized and fraudulent credit inquiry made by XXXX on or about XX/XX/XXXX on Experian. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-22 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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX F, XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX ACC # XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reportsPlease let me know if you need any other information from me to block this information on my credit report.Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX F, XXXX XXXX, FL 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 2015-07-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I have called XXXX several times. My health insurance paid a bill that is on my report as collection. XXXX does not seem to care and this is reflecting a job offer. XXXX XXXX XXXX, XXXX ignored letters from my XXXX XXXX Insurance requesting additional information. XXXX has on file the amount of times they notified XXXX XXXX XXXX. I called XXXX several times and one time to tell her that I drove down to XXXX XXXX XXXX to obtain copies of the visits to send XXXX. I then let XXXX know that XXXX has everything they need and will process and pay the claims. XXXX ignored my communication and sent it to collection. XXXX XXXX XXXX refused to refill my prescriptions until I paid the invoices. XXXX has paid them and they have cashed the checks. XXXX has said several times that she reversed the collection. Each time I call the collection agency they state no one from the office will confirm. Meanwhile this is on all my credit reports when in fact I am owed money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian ( and I suspect all XXXX credit agencies ) have decreased my credit score because an older unpaid loan from XXXX ( XXXX Account Number : XXXX, ) that had passed the time frame to affect my credit score, was purchased by XXXX ( XXXX, CA XXXX XXXX Account Number:XXXX 
This loan is too old to ( again ) affect my credit score. They are treating it like a new default and decreasing my credit score and ability to borrow. I believe that that is illegal. 
Besides, as I have recurrently argued, the property involved belongs to XXXX ( who informs me that there has been no foreclosure filed! ) XXXX somehow got the property in his name and left me with the mortgage ... ..

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 2016-09-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have a bankruptcy filing that was dismissed, within two weeks. I never had a discharge and it was my choice not to proceed. I have requested numerous times to have the dismissed bankruptcy removed, as it is reported as a bankruptcy to potential creditors. It is false and misleading. 

I was advised to file the bankruptcy from an attorney so I did. His advise was that it would not be reported on my credit report if it was dismissed and not discharged. 

You can see by the attached documents from potential creditors how Experian is reporting my credit.

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 2016-07-24 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:
Experian is reporting negative information on my credit report. I have taken the necessary steps to dispute the information with the credit bureaus and have requested verification that this account belongs to me from the data furnisher ( letters of request are attached ). I 've sent a letter to Experian on XXXX XXXX, 2016 and another follow up letter on XXXX XXXX, 2016. I 've also sent letters to the data furnishers on XXXX XXXX, 2016, and again on XXXX XXXX, 2016. To date, they have n't provided me the requested signed contract, actual documentation or verification that this account does in fact belong to me. I 've researched the FDCPA & FCRA and found out that it is the responsibility of the data furnisher to provide the consumer with all the proper documentation when requested. They are violating the FDCPA/FCRA! I 'm hoping you can help me as my next step and only other option will be to solve this through legal channels.

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 — Information is not mine
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I received my credit report XX/XX/XXXX because I had finally become financial able to buy my first home. I saw that XXXX XXXX XXXX was on my credit report saying I owed them {$990.00}. They were reporting on a XXXX XXXX credit card that I did not have. I disputed both accounts with XXXX XXXX, XXXX XXXX XXXX and all XXXX credit bureaus. Neither company nor credit bureaus will send me the proof proving I owe the money even after disputing this account for a total of 3 months. I would like for both companies and the XXXX bureaus to send me proof, such as a customer agreement I signed or some kind of promissory note with my signature, ID, and social security card proving its my debt. I would like a detail response as to how the information is being verified, and I would like a detailed payment history, if not I would like for the company and all XXXX credit bureaus to remove the incorrect information from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I have asked to have addresses removed from my credit report because I have never lived there and I just had a background check and found that the addresses are still on my report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-12 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 that XXXX is the owner of this account. EXPERIAN reports incorrectly that this account is currently LATE. EXPERIAN reports incorrectly that this account is currently REVOLVING. EXPERIAN reports incorrectly this account 's date of first delinquency. 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 explanation
Consumer complaint received 2016-02-11 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: SC

Complaint narrative:
i had my identity stolen again, so i wrote to the XXXX credit agencies to get a a copy of my report, I sent them copies of my drivers license and including my SS #. Today i received a letter from Experian telling me about identity theft and how to handle it, the letter included instructions on how to get a credit report so i followed the instructions ( the phone version ) and at the end it tells me that i can not get a report and that i would have to send in paper work to include my SS #, copies of my license, bills, bank statements and etc. 
This is the second time this has happened to me in less than a year and i never have received a report. It seems to me that these companies do not not want to give the reports out. but they will sell you their services so that you can get a copy of the report. I have tried for almost 2 years to get copies from all XXXX and it never happens, regardless of the paper work sent in. I have received a copy one year ago from credit karma in l\ less than 10 minutes but again never from the big XXXX. 
What gives and why are they not held accountable for this injustice?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I received a cancellation of debt notice and I see that the debts are still appearing on my credit report, I have it understood that since I received a XXXX I am no longer liable for these debts.

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 2016-07-13 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am filing this complaint because EXPERIAN has ingored my request to provided 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 verifiy 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 explanation
Consumer complaint received 2017-03-31 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:
There have been unauthorized inquiries put on my credit report and after contacting both the bureau and the companies have not been removed. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2015-05-13 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 have a public record / judgement on my credit report which does not belong to me. This public record has kept me from financing my home, and has even kept me from getting a job. On XXXX XXXX, 2015 I appeared in court before a judge to clarify the judgement was not mine. On this day I was given a court order specifying that the judgement belongs to an individual with a social security ending in a sequence of numbers which does not match mine. After sending a dispute to Experian I was told the negative listing can not be investigated because I did not include my entire social security. ( I sent my last XXXX, name and address ) This issue continues to keep me from doing the most basic things in life like purchase a car, a home, or even get a job. Please Help! 

XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-31 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 contacted Experian to dispute items that I did not recall or recognize on my credit report. I requested that documentation ( i.e contracts or agreements to pay ) with my signature be provided to me to validate that the accounts were mine. I received a summary of disputes, bot not one piece of information validating that any of these accounts belong to me. It is my belief that these accounts can not be validated and that is why the information I requested was not sent to me. It has been over 30 days since I requested this information.

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 2016-07-20 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:
XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX This company whom i have contacted repeatedly is doing hard inquires on my credit report.I have asked for them to be removed repeatedly. 
There is someone in Illinois where i lived 10 years ago sending in and applying for multiple credit cards. The above one is the only one who is not responding and keeps hitting my report. All other cc companies have removed inquires. 
thanks

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 2015-10-19 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian send back results as if I was only questioning the dispute process, when in reality I send A dispute letter asking Experian company to verify negative unverifiable information from my report.

Company public response: Company 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: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
XXXX and XXXX XXXX XXXX are on my credit reports. the problem is they both say different amounts and limits. I sent them each debt validation letter, have not recieved anything from XXXX but they extended sol to XXXX. It seems funny that portfolio sol is XX/XX/XXXX.Did recieve doc from XXXX, just what credit report says. Trying inprove credit, these were long ago. Just do n't remember.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
information such as birth year is wrong on credit report, as well as previous addresses and previous employers. the items on the report i have no knowledge of before this report and have been trying to report fraud since 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