vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-12 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
For the past several months, I have been disputing several inaccuracies that are Hsted in my credit report I have written three letters to the credit bureaus in which I requested these inaccuracies be removed. 
Unfortunately, the credit bureaus have refused to comply with my requests. The inaccuracies are as follows : Bureau : Experian Account Name : XXXX XXXX Account Number : XXXX XXXX Bureau : Experian Account Name : XXXX Account Number : XXXX Bureau : Experian Account Name : XXXX XXXX Account Number : XXXX Bureau : Experian Account Name : XXXX XXXX Account Number : XXXX Bureau : Experian Account Name : XXXX XXXX Account Number : XXXX Bureau : Experian Account Name : XXXX XXXX Account Number : XXXX Bureau : Experian Account Name : XXXX Account Number : XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is taking too long to send disputed results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has not validated accurately that the account of XXXX is my account. I have reported it as a fraudulent account to the Police and police report has been provided to the credit agency of Experian. Experian has not validate information from XXXX to the information that they have on file. Providing name, birth-date, and social security is not sufficient evidence to validate the account is mine. This is why it was reported as fraudulent has someone used that information to open this account. Please have this removed from my credit report of Experian.

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 2016-01-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I have an item that should have been removed from my Experian credit report. All other credit reporting agencies removed the item after investigating. Experian did not and said they verified the validity. I called and spoke with a representative and she said yes we confirmed the validity. I asked about their process, specifically what documentation they reviewed to confirm the validity. She stated their only obligation is to reach out to the collection agency and if the collection agency responds within 30 days the item is valid, they respond to the dispute as " Verified item Remains ''. 
I have tried disputing the item again online and they wo n't allow it. 
In addition to the credit impact, where is the accountability on the part of Experian reporting agency? They provide and report information on me yet they do n't have to verify the information they are reporting on and are not responsible for providing the details of their investigations and how they " confirmed '' items.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian is refusing to correct the identity thieft 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 2016-07-30 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: TX

Complaint narrative:
Greetings, my name is XXXX XXXX XXXX and my social security number is XXXX. I am frustrated with all XXXX credit bureaus, because I believe my actual credit scores should be higher than they are. In the past, I have paid off several accounts, maintained my credit cards below XXXX %, maintained employment and I am not default on any student loans. In addition, no matter what I do, my credit score still remain below XXXX. I am trying to obtain a business loan for my branding and development company here in the United States. I am an American citizen but I feel I am being treated unfairly, as it relates to my credit scores. Also, all XXXX bureaus have me residing in XXXX at one time and I have never lived in XXXX. 
Please increase my credit scores with all three bureaus above XXXX, so that I can obtain a business loan. And so that I may do my part in helping to keep America strong and great. 

Reapectfully, 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 2015-04-12 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 contacted Experian on several occasions by phone for assistance at XXXX XXXX XXXX XXXX and through their website to dispute bankruptcy that appears on my credit report. Experian refuses to properly conduct investigation and claim they have already investigated item on several times. Experian representatives continuously lie stating they have sent someone over to representative over to federal court to verify information. Pursuant to Rule 1005 of the Federal Rules of Bankruptcy Procedure, all documents filed with the court are to contain only the last XXXX digits of the individual 's social security number or tax identification number. 

Under the Federal Rules of Bankruptcy Procedure a debtors full social security number is filed with the original petition, and filed under seal. Meaning the only information released to third parties who are not involved directly with your case is ( that includes credit reporting agencies such as Experian ) : ( 1 ) Your Full Name ; ( 2 ) The Last XXXX Digits of Your Social Security Number and ( 3 ) Your Address. Furthermore I was advised in order to obtain a debtor 's full social security number, a third party must file a motion with the court to unseal documents related to a case. This would be very unusual and does not happen on a regular basis. 

I have asked Experian representative to provide me with copy of court subpoena they received granting them full access to case. I have personal looking in The PACER Service and information listed on docket show address I never lived and last XXXX digits of a social security number. 

XXXX and XXXX have both removed this inaccurate information from my credit file and I would appreciate if Experian is forced to do the same. I am very sick and tired of playing cat and mouse with Experian. Their customer service representatives are very rude and company has culture to tending to wait out 30 days and not investigating disputes.

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 explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
My credit report was used inappropriately to determine financial eligibility for a Patient Assistance Program through XXXX, aka " XXXX ''. I was denied use of their program based on what I was informed by them was a " Projection ''. I was also informed by them that my annual income was XXXX. This was a shock to me as my annual income is only XXXX. If it really was XXXX I would n't need assistance. My income of Social Security XXXX and a small pension has not changed significantly in the past few years. After several phone calls, I discovered that Experian was used for this " soft credit check ''. When I spoke to someone at Experian, I was told that they do not provide my income during a credit check. Apparently, this is not accurate, because I found an article online ( XXXX XXXX, " Is Your Doctor Checking Your Credit Report? ". The article states that Experian does provide " Income Estimation Tools ''. I have used the XXXX program for several years to provide me with XXXX medication that I can not afford. In previous years, XXXX has asked for proof of income, which I have provided to them. This year they changed their application form and made it very confusing for me. I have learned from past experience that my application form must be perfect or I will be denied for medication. I worked very hard on making sure my part and the physician 's documentation were all correct. I called XXXX and was assured that everything looked good. The next day, I received the denial letter which stated I did not qualify for their program based on my income. I have worked hard all my life to maintain good credit. I recently found that my credit score was 850. Never in my wildest dreams did I imagine that this would work against me. I strongly object to the use and marketing of this " Projection '' tool for the purpose of denying me access to low income programs for which I qualify. Now I will have to do without my XXXX medication that I can not afford. I do n't know what that means for my future but that prospect is very frightening to me.

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: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Several attempts were made by me to request Validation of debt on XXXX accounts reported by Portfolio Recovery Associates. I have not denied debt rather requested Validation or removal from Credit Reporting Agencies. After two written requests, the most recent one XXXX/XXXX/2016, they have completely ignored me and not responded at all. I find this in violation of the requirements of this agency and may others. They have not sent me a notice of right to dispute, nor have they sent me documentation to validate the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 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: MA

Complaint narrative:
I TRY TO PULL MY CREDIT REPORT FROM EXPERIAN, BUT I FAILED ON ONE OF ID QUESTION, THAN THE COMPANY SAID I HAD PULLED, THAT IS NOT TRUE, I JUST GOT FROM XXXX. 
I NEED 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 2016-06-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Multiple disputes regarding duplicate accounts being reported. Supporting documentation has been provided numerous times. 
Navient reporting duplicate loans to my credit reports. Reporting under XXXX as well as XXXX. XXXX is no longer the name used for servicing loans as all loans are now listed under XXXX. 
Experian refuses to remove the duplicate items 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 2016-03-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX mismanaged the insurance on this account and has since agreed to resolve but the wrong status and account information somehow went to collections XXXX XXXX office of the president of XXXX is handling. this need to be deleted and never effect my credit in anyway, my score needs to be returned to its previous status prior to the fraudulent representation wrongfully reported.

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 2016-10-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I contacted the Credit Bureau, requesting validation of the Bankruptcy, because I did not file a bankruptcy. I was sent back a credit report stating that the bankruptcy had been verified by the Federal Bankruptcy Court ( but no documentation to support that ) and if I had questions to contact the Bankruptcy Court at the address listed on my Credit Report. I sent a letter to the Bankruptcy Court requesting they 're procedure for verifying information with the Credit Bureaus and they sent me a letter back stating that they do not report to any of the Credit Bureaus.

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 2016-07-30 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:
After running my report for Experian at XXXX on Saturday XXXX XXXX 2016 on line the site went down causing me to loose the report before I evan had a chance to look at it. Can you please mail it to me at my home address, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Ca XXXX " OR '' Preferably, give me the ability to go back it to pull the same one up again so I can view and and if needed file any disputes, Please help me, 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 2016-07-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I believe they have someone else info on my acct but there is no way you can TALK to anyone to discuss Their phone system runs you in a 1-2 loop with no other option for discovery of fact.

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: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have a judgment on my credit report that was not file properly after I paid off the judgment. The proper actions were not taken after I paid off the judgment. Even though my land lord gave a written statement that the judgment was paid. Please look into XXXX procedure of removing satisfied judgments. You can see the Plaintiff asked for XXXX Please pay close attention to the document you can clearly see that I only owe {$420.00} that was awarded by the judge to XXXX XXXX Used Cars. Then below you can see my counter payments I made to the bill that was awarded.

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 2017-04-01 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
This account is mine and all XXXX reporting companies took my good standing credit off. 
Without my permission so please could you have them to put it back. XXXX {$2000.00}

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 2016-09-18 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:
XX/XX/2016 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Experian 's XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Account Number Num : XXXX Balance {$210.00} Dear Sir or Madam, I am writing in regards XXXX XXXX XXXX account on my credit report. On XX/XX/2016 I have file a complain to the CFPB I sent a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the 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 2015-11-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I had a loan from XXXX Savings from XX/XX/XXXX until XX/XX/XXXX and when I paid it off it was removed from my credit report. I had a long credit history and now it only shows credit for 3 years instead of 13 year. I have contacted XXXX Savings and they have given me a letter that shows it should be on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29 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 in previously called Experian Credit Bureau in three occasions and explained to them that there are XXXX hard inquiries in my credit report that I have not authorize, any credit institutions to run my credit for obtaining any type of personal credit, I have send to Experian an letter. 
which explained to them as follow. I recently pulled a copy of my credit report and noticed the following information are in error ; Credit Inquiries : The FDCPA states that the only way permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance or d ) court order. 
The following credit inquiries are related to none of the aforementioned permissible purposes : ( listed all the companies that have pulled your credit, whom you did not give permission to do so ) 1- XXXX XXXX XXXX XXXX 2-XXXX XXXX 3-XXXX 4-XXXX 5-XXXX 6-XXXX. 
Please remove those inquiries from my credit report immediately : I have a endorsed copy of mu driver 's license as a proof of my identity. 
This was the letter I have sent to Experian and until this day they have not comply as the FDCPA explained I did sent this formal letter certified with a receipt return on XX/XX/2016 via USPS. 
I have been very patient with Experian they are not cooperative to me and so many others consumers this can not be continued in this venue, I demand a very deep investigation to my allegation to Experian from The Consumer Financial Protection Bureau. 
I deeply did not want to do this complaint but it seams that there is no hope from Experian in helping consumers of their concerns. 
Also in the same envelope I sent another letter to remove previous Addresses they show on my report my current address is XXXX XXXX XXXX, XXXX, TX XXXX any other address in incorrect so they need to fix my personal information. 
Again 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 2016-02-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
EXPERIAN HAS NOT UPDATED MY FIRST PREMIER ACCOUNT TO THE STATUS OF PAID COLLECTION OR PAID CHARGE OFF. I AM WORKING HARD TO RESTORE MY CREDIT AND NEED THIS INFORMATION UPDATED IMMEDIATELY!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation