vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My credit score is in the low to mid XXXX 's despite a perfect payment record.. My total debt is about 5 % of my net worth, most in XXXX securities. Why is n't my score perfect? Checking my credit reports they seem accurate - perfect payment history! No court judgements, no bankruptcy history, no unpaid debts, etc. But, it seems misleading. I pay my only credit card off in full every month, no carry over balance, but it shows a max charge vs the limit even though paid. I keep my limit low to minimize identity theft and credit theft limits. My second card is a debit card, also paid every month. I get no reply to my specific question why my score is so low so I ca n't provide the information to resolve it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
The credit reporting agency corrected the wrong name display as requested in my previous complaint but left both the inquiries, and accounts associated with the wrong name in place. If the name ca n't be verified, then all associated accounts ca n't be verified as well. in addition, they transcribed my accurate name to display backwards as well which again illustrates they are n't investigating anything this is just a exercise in violation of the fair and accurate credit act by an actor determine never to follow it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I said there was fraud information on account till I talk to the police they refused to put a fraud alert on my account

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 2015-07-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have several accounts that are not mine that are still reporting on my credit file I have sent copies of my police report and a " notarized '' ftc id theft affidavit I have added a supplemental report from the police department outlining more specific the accounts involved

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX, Experian And XXXX are repeatedly violating the Fair Credit Reporting Act by not verifying information on my credit reports. I keep asking them for written, signed by whom verification for items that are on my credit report and they just keep sending letters back stating that it is verified, not sending me what I requested. Also they have been changing the report dates on items that are on the reports to prolong the reported item to stay on the credit report for a few more years. One account in particular is a bankruptcy that showed up on my credit reports that they refuse to verify, ca n't verify because I already called the U.S. Federal Bankruptcy Courts for this region and I was told by the court that they do not, will not and ever report information to the credit reporting agencies. what baffles me is that they are not sending me signed, written verification, who is verifying the information? According to the Fair Credit Reporting Act, ( A ) ( 1 ) ( A ), Credit Reporting Agencies are required by Federal Lew to verify, Through the physical verification or the original signed consumer contract, Any and all accounts that are posted on a credit report otherwise, Anyone paying for my credit reporting services could fax, mail or email in a fraudulent account. If the account can not be verified or validated, It must be removed immediately!! I will be seeking an attorney and filing a lawsuit on this matter as soon as possible!! XXXX has just settled a class action lawsuit for the exact same thing I am filing this complaint over, And I am part of the class.. XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , Experian XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX, XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. If they can not send me signed, written verification or signed, written validation on these Bankrupcies listed on their reports, It must be removed immediately!!! Thank You for your time in this matter. If you need any more information, Feel free to call me at this number, ( 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 2016-10-31 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have been working diligently to repair my own credit. My credit score was XXXX two weeks ago, all of a sudden my score drops almost XXXX points for no reason at all. I have paid my credit cards in a timely fashion. I have brought my utilization to the right percentage, and my score is continually dropping every day for no reason at all. My wife and I share the shame credit cards, and her scores are going up. All XXXX credit bureaus are reporting my score inaccurately. My utilization is XXXX % which is good, it dropped my score XXXX point because of this good utilization. This is unethical, in what is going on with the XXXX credit bureaus. They inaccurately reporting my credit score and this is not fair. My score should n't have dropped almost XXXX points in a couple of weeks if I 'm making sure my utilization is good, and payments are good and on time. If you could help me in any way that would be greatly appreciated. I 'm utilizing XXXX XXXX which I was told that XXXX owns this company, it 's a scheme to keep people looking like they have bad credit to make them suffer and not be able to get the help they need in society. They ought to be ashamed of themselves for being unethical with their approach. XXXX XXXX stated that I did nice work by getting my balance down, and with that they minus my credit score XXXX points for doing a great job. This is unethical please see attached picture of this.

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 2015-06-23 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:
Dear sir/madam, as I was going through my credit report on Experian negative report on my credit. The negative report was from XXXX, any time I dispute the account, they kept sending me a letter at my home address saying they investigated the dispute and notice it was mine.. XXXX I Copy this account number from my XXXX credit report. I am requesting that XXXX or any of it affiliates should remove such negative statement from my credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX lost 2 of my payments made in XXXX XXXX which were made in agreement for a deferment to secure my loan. As a result of their negligence in losing my payments which made the account more delinquent than it actually was and subsequently caused them to repose my vehicle on around XXXX XXXX XXXX. I disputed the missing payments with them by sending official bank statements and the bank ( XXXX XXXX ) speaking to them verifying the payments were made and on what days. XXXX XXXX refused to accept my official bank statements, debit card transaction and payment receipts as proof of payment. XXXX also never sent me any documentation about the repossession or the auction within the 14 day time frame as required by law. I filed a dispute against XXXX XXXX concerning the documentation that I nor the primary borrower received with the XXXX. XXXX XXXX claims they sent the documentation but to an incorrect address despite the fact they had repossessed the vehicle from the very address that was on file. In fact XXXX is still reporting to the credit bureaus as if this account is open and active showing late payments from the month of XXXX XXXX up until now even though the status should reflect chargeoff

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 2016-09-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Recently a collection was placed on my credit report. It originally was from a fine in XX/XX/XXXX. Shortly after I made a judgement error and found myself in court ( XXXX XXXX ). I signed the deal XXXX. The deal included any and all pending items. In XX/XX/XXXX while still XXXX, a warrant was issued from lack of payment. I found out in XX/XX/XXXX and submitted a XXXX form with DA for demand for trial. They did not respond in time limit, so I filed a XXXX form, motion to dismiss. I have now gone to court by they will not open as they no longer had jurisdiction since my conviction, an deal, sincel XXXX XXXX, XXXX. I went to DA office they said they did not place the collections order and the warrant was removed. However there is no record that they were suppose to due of any of the motions, as it is handled by them and not the court. They not only also had no jurisdiction since XX/XX/XXXX, but the XXXX was a formal motion to dismiss all there claims. I have asked them to put a warrant back, so that we can go to court and they said they can not. Thus showing they have no authority and any fines and restitution were covered in my deal of XXXX XXXX, XXXX. It totaled {$700.00} and was paid years back while I was serving my sentence. This also shows if they had legal ability to any claims it would have been placed while I was serving my sentence. They suggested to go back to Public Defender for help. I did and since the file was closed in XX/XX/XXXX, and the courts, including DA no longer had jurisdiction since XX/XX/XXXX that they can not open any court days for me to address with the courts and the DA. I ask first who is the one who filed the collection. Again court and DA office said it was n't them. Second for them to show that they have they legal right to place that in 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 2016-02-14 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 have requested a copy of my Experian Credit Report online but was not provided access to a copy of my report for review. As I worked through the site trying to find a copy of my report I was kicked out and unable to log back into the sight. No alternative options were provided for me to access my report without me first submitting a credit card to be charged. 

Thank you!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I would like to file a complaint against Experian, without researching they made no attempt to investigate the issue with XXXX. My balance for account # XXXX should be XXXX. I returned the equipment on XXXX/XXXX/15 and they never issued a credit for it, currently it 's reporting that I have a balance of {$1000.00} which is completely incorrect and should be adjusted as of XXXX/XXXX/15. They are impeding my credit score as it should be much higher than it is. Also, they are reporting under " revolving accounts '' and utilities such as home phone and cable should be installment NOT revolving. I have attached proof as well of the return.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-02 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 was checking my credit report on XXXX/XXXX/XXXX and noticed that there are over XXXX inquiries on my credit report that I did not authorize nor ask for. I have filed a police report three weeks ago, have a fraud alert on all XXXX of the credit bureaus and have called Experian several times, last being on or around XXXX XXXX, XXXX to dispute these inquiries. I was first treated very rudely by the person on the phone when I was asked to be transferred to the Dispute Department in a US call center. I was told that they do not do that and I have to tell them what I needed. After about trying 7 times I finally got transferred to another person who was not with the Dispute Department in a US Call center. This whole experience has me just mentally upset and discouraged, feeling as if I can never get this taken care of. Below are the inquiries that I did not authorize nor did I solicit any form of business with them : XXXX- XXXX/XXXX/XXXX XXXX XXXX- XXXX/XXXX/XXXX XXXX- XXXX/XXXX/XXXX XXXX- XXXX/XXXX/XXXX XXXX- XXXX/XXXX/XXXX XXXX- XXXX/XXXX/XXXX XXXX- XXXX/XXXX/XXXX XXXX- XXXX/XXXX/XXXX XXXX- XXXX/XXXX/XXXX XXXX- XXXX/XXXX/XXXX XXXX- XXXX/XXXX/XXXX XXXX- XXXX/XXXX/XXXX XXXX- XXXX/XXXX/XXXX XXXX XXXX XXXX- XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX- XXXX/XXXX/XXXX XXXX- XXXX/XXXX/XXXX XXXX- XXXX/XXXX/XXXX XXXX- XXXX/XXXX/XXXX XXXX- XXXX/XXXX/XXXX 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 non-monetary relief
Consumer complaint received 2016-02-23 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I wrote Experianon XX/XX/XXXX, asking for their assistance and they replied with a letter stating that I did not provide enough information. How did I not provide enough information when the letter specifically stated the account that I 'm disputing, that I needed their assistance in verifying the validity of it and gave the exact reason for my dispute? I 'm including my Consumer Financial Protection Bureau complaint with the new letter, as this is a blatant disregard of my rights. They stated that they are not going to honor my request under section 611 of the FCRA ; at no point did I say that this was ID theft. Actually, I specifically stated that I was NOT saying that it was identity theft!

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 2015-06-02 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:
RE : File number # XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXXACCOUNT : # XXXX .... 

Contacted XXXX XXXX XXXX re trade line issue through CFPB and received letter to contact/forward to Experian ( see attached ) to have trade line removed because they were having issues removing it. Provided Experian with the documentation and they have failed to remove the trade line from my file. Have also disputed it but it comes back " VERIFIED '' even though the letter clearly states shows the information provided by Experian completely is in conflict with XXXX XXXX XXXX 's records.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-05 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
On XXXX XXXX, 2016 I sent my third and final request to Experian for a Security Freeze, along with the letter I send a copy of my drivers license, social security card, police report and proof of address ; per the certified mailing receipt Experian received my request on XXXX XXXX, 2016. To date I have yet to receive a confirmation letter form Experian stating they have placed the Security Freeze on my credit file along with my PIN number.

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: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
ITEM REPORTED ON MY CREDIT FILE THAT HAS BEEN PAID IN FULL

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 2016-05-27 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 disputed with XXXX, XXXX, Experian, about their practices of putting stuff on my credit report. I wanted proof from all on how they verified that these accounts belong to me. I have instances where one of the accounts stated they only verified that first XXXX digits of my SS # and the debt was listed on all XXXX of my accounts. I only proof that I will accept from all XXXX of these credit bureaus is a signature showing my name where I requested credit from each of these debtors. Using the first XXXX digits of my social security is not enough. If they ca n't or have not verified with a copy of my signature on the original loan, credit card or whatever I want the charges removed from all three credit bureaus. I have attached the accounts in questions, XXXX ( XXXX credit cards ), XXXX XXXX ( XXXX credit cards ). As you can tell XXXX XXXX shows that I made a payment on XX/XX/2016 and I do n't even have a credit card with them.

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 2016-07-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX refused to send me my biling statements from XXXX XXXX XXXX and my last payment on XXXX XXXX, XXXX. That 's over 365 days between payments, so my 7yr time clock for deletions starts 30 days after first delinquency under FCRA. I had a three way call with XXXX and Experian and the manger whose name is XXXX # XXXX, and XXXX # XXXX XXXX and XXXX XXXX XXXX all confirmed the validity of my complaint. XXXX then lied and said they could n't find records because it 's an old file. I was threatened to contact you and anyone else, so I 'm reaching out to you to retrieve these dates and records so that I can have this deleted from my credit reports immediately. This company started out polite and concerned but then flipped the script and denied me all relative information for my records.

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 2015-11-04 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:
Someone used my SS # to open a account with XXXX XX/XX/XXXX. They charged {$2200.00}. They have been notified, they were sent a police report and a picture of My ID They do not remove it from my credit report. 

XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Cornerstone Home Lending Inc.
State: TX

Complaint narrative:
I am a XXXX, my wife and I applied for a mortgage loan, we got a prequalification letter from a cornerstone loan officer ( XXXX XXXX, Tx branch ). We went over the process, we provided all document asked from us in timely manner. After about 60 days from the time we got a prequalification letter, the loan officer asked for one last critical document the day before closing, again the day before closing and we provided the document within an hour, then the loan officer assured me that everything was looking great. The day of closing, after couple months, the loan officer calls and say that they ca n't give us a loan. Now, remind you that took her 60 days, in which communication was horrible, could never get hold of loan officer. I have emails, text messages to prove everything I said. Not only that, when I was trying to transfer the file to a different lender, it was such a hustle, after so many attempts in the phones, I had to drive to their office ( cornerstone ), loan officer did n't even want to come out, she sends the file with secretary, not even the whole file, most documents were missing!! 
Very stressful, waste of time, money and even health

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation