vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
i have attempted to dispute multiple inaccurate items from my report and the bureau keep verifying the wrong information and illegaly placed information as accurate and verified. i have received absolutely no items as proof that an investigation occurred. it has been over XXXX days and i have not received and investigative results. they are reporting wrong information and refuse to delete or fix.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have reported that negative accounts that are over 7 years are still on my credit report and would like them 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 explanation
Consumer complaint received 2015-04-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Dept collection agency called XXXX are attempting to collect a dept from me which I am not owing and they reported that to my credit even with out proper investigation to know if the dept is mine or not. I disputed that through EXPERIAN CREDIT REPORTING AGENCY but they kept reporting same to my credit. I contacted EXPERIAN CREDIT REPORTING AGENCY after so many attempt I made to contact the collection agency XXXX. but Experian said all the information they have on file concerning the dept was collect even when they did not do proper investigation. 
The dept which XXXX TRYING TO COLLECT FROM ME IS A FLAUD FROM THE ORIGINAL CREDITOR. 
I rented an apartment from the Original creditor XXXX, but a month after I rented the apartment the roof collapse and I could not use the apartment anymore after so many attempt I made contacting the XXXX to come and fix the problem, they ignored me despite I still pay the rent for the apartment even when I was not making use of the place. They ignored fixing the place until I moved all my belonging away from the apartment since it was becoming health hazard. But two month after I moved out I received a letter from a collection agency called XXXX stating that I was owing some money from XXXX who ignored fixing the collapsed roof of the apartment I moved out from. 
the XXXX did not even do any investigation to know if I was owing such dept or not. I attached the copy of the letters I sent to the apartment management XXXX BE FOR IMOVED OUT FROM THE APARTMENT THE CREDIT BUREAU SHOULD WORK WITH THE COLLECTION AGENCY XXXX TO TAKE SUCH FAULES STATEMENT OFF MY CREDIT FILE

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-02 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: OH

Complaint narrative:
Experian has locked me out of the online dispute system and refuses my access to a paid 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 2016-03-10 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:
XXXX, XXXX and Experian are not honoring FCRA 605B requests to block entries by Identity Theft. Instead they are opening an " investigation '' with the furnishers ( a dispute ). FCRA 605B requires the CRA to block the entries within 4 business days. The CRA is not to open an investigation or dispute with the data furnishers. This is a block and the action is limited to blocking the entries. There are XXXX items required for the request : 1. Identification of consumer. 2. ID Theft affidavit. 3. Statement that these entries are the result of ID Theft. 
When refusing the block they send out a generic letter - there are only XXXX reasons they can refuse the block : 1. Request made in error. 2. Materially misstated the facts. 3. The consumer received goods or services. They are required to provide a specific detail on why a refusal to block is made ( which they are not doing ). How could they investigate any XXXX of these XXXX items within 4 days or have the ability to gain evidence to support a refusal? So, they are refusing as a matter of policy - which they do not have legal authority to do. 

The CRA 's are also requiring a police report before taking action which is NOT required in the law.

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 2016-07-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
My problem is with Experian. I noticed a XXXX point drop in score with Experian to XXXX. 
XXXX reports my score at XXXX and XXXX at XXXX as of XXXX/XXXX/16. 
I requested and paid for copies of all XXXX. 
The Experian report shows a " Serious Delinquency or Derogatory Indicator '' hurting my score by ( XXXX ) account. After talking via phone with NUMEROUS people and departments, NO ONE can tell me any further information- they say my report shows no late payments and can not give me any further info on a " Derogatory Indicator ''. 
They are saying " case closed ''!! 
I am SO frustrated!!!! 
Do not know what to do next nor can I dispute something that I do n't know who from. 
Can you give me any recommendation as to handle further.

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 2015-04-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have a debt collection for an account that I am not responsible for. It appeared on my XXXX and Experian credit file last year. I disputed, and the debt collection was removed from both. The same debt was sold to another company in XXXX and was placed back on my credit file with XXXX. The name of the company was XXXX XXXX and collection. I disputed this again and XXXX removed the collection on XXXX/XXXX/15. Today experian reported the exact same debt but now with a different company. The account reads as followed : Company : XXXX XXXX XXXX Account # : N/ABalance Amount : XXXXStatus : The original debt is from XXXX XXXX XXXX. The debt has been disputed and every time it has been removed due to the debt not being true. I have disputed this debt a total of XXXX time with different debt collectors that buy the collection. I was never notified by the debt collection agency but rather found out by checking my credit. Can we please address this collection as it is becoming a nuisance everytime its sold to another debt collection agency.

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

Complaint narrative:
I have contacted Experian and XXXX regarding the inaccurate information and have gone through the dispute process. I am attaching the information that I have provided them with regards the accuracy of their reporting. I also have illustrated the XXXX is antedating the account past 7 years to reflect a different first date of delinquency and is reporting to other credit agencies. I have another account on the Experian also from XXXX that would have a different First date of delinquency other than currently reporting extending past the 7 year mark. I am attaching the information from the Furnisher, XXXX, and other court related documents to reflect accurate reporting or in some cases complete block and deletion. The letter I drafted addresses what my requests are in detail for further review.

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 2016-04-08 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:
Initiated credit freezes at all XXXX credit bureaus in XXXX of 2015. 
Experian and XXXX now require a form letter with ID sent via mail to get a credit report. 
XXXX still provides their report online. 
Experian and XXXX are punitive against persons that initiate credit freezes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I need immediate assistance please. I 've received letters stating that Experian will no longer investigate. I 've also received letters stating that every single one of the accounts that I have disputed with them are verified. I would like to see the proof of ownership because I do n't even think that some of these accounts are mine! I 've asked for the physical documentation that verifies the ownership to no avail. I know my rights and I 'm positive after reading lawsuits and the FCRA that the bureaus are required to have the actual documentation prior to reporting these accounts. In consideration of the fact they are saying these items are " verified '', and they are required to have these docs, there should be no problem sending to me! I understand that the bureaus are paid to report accounts, and therefore, have no incentive to remove any of them. I also know that federal law states that everything on my credit file is required to be accurate and correct. Another issue I have is that one of the accounts was removed and then reinserted later without any notification as required under section 611! I do know that because there was no notification, they are required to remove it once again. Please see the letter that I have attached which reflects the information that I am disputing.

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 2015-08-18 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
An account XXXX # XXXX that the XXXX has been over 7-8 years is still listed on my personal credit file. Please remove as there is a statute of limitations.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I called Experian and I requested that the copy block the fraudulent information on my credit report. I got a letter in the mail from Experian that said that if I could confirm my identity in conjuction with providing a theft report to Experian that this is anot optional remedy of identity theft that is afforded to me. The representative that I spoke with stated they do not do any blocking of accounts, she had never heard of such a thing, she further said that it was the creditor 's decision as to whether or not to block the fraud accounts, and that Experian has forwarded my complaint to the company, contingent upon what the company 's response is regarding the fraud accounts, they will adjust the fraudulent information. The representative did confirm to me XX/XX/2017 that they received my police reports, arrest reports, a photo of my social security card, check stub with my current address, my state issued identification card, and driver 's license. I am a victim of Police confirmed identity theft. In XXXX, I sent the police reports with some of the felonious account numbers and an arrest report naming the offenders to Experian by mail. I followed up 3 weeks later and they stated they had no record of the mailed information so I sent the police reports again via fax in XXXX. Experian sent an email to me that the investigation was completed but Experian did not remove or block any of the fraud accounts and/or the identifying information such as multiple addresses for the offenders. Additionally, they show I have a social security number which is not mine. Verification of my signed social security card and number was submitted with the arrest reports and police reports. The erroneous number also has not been removed. My name appears as variations of misomer. I requested these be removed as they are not nor have been used by me and are not legally my name. They have thus since refused to do so to date.

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 2015-06-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I submitted a complaint to the CFPB about a month ago, case # : XXXXQuick rundown of that complaint : I had XXXX collection accounts that I 've disputed over XXXX times and Experian refused to acknowledge or even conduct an investigation. I called the debt collector and they told me they requested they be deleted months ago. So I filed a complaint with the CFPB. Through that complaint, Experian agreed to remove those items from my credit report. I confirmed the accounts were removed by ordering a new credit report on XXXX/XXXX/2015. On XXXX/XXXX/2015, I got a credit monitoring notice that the XXXX collections accounts had been re-reported to my Experian Report. Today is XXXX/XXXX/2015 and I did not receive written notification from Experian that the accounts were being re-reported, violating the FCRA yet again. Section 611 5 B ii ; which states : Notice to consumer. 
If any information that has beendeleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agencyshall notify the consumer of the reinsertion in writingnot later than 5 business days after the reinsertion or, ifauthorized by the consumer for that purpose, by any othermeans available to the agency. 

I am getting really frustrated with this company constantly violating my consumer rights. How are they still in business? I 'd like them to be reprimanded and I 'd like this inaccurate information deleted form my credit report and blocked, so it can not come back on.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
My brother and I are XXXX and our names are very similar. His transactions are appearing on my credit report along with his name as an alias for myself

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-23 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:
This account has been on my credit report since 2009, pass the 7 year period, I have tried to dispute it several times to have it removed but experian wont allow me to dispute.

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 2016-02-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian Report pulled on XX/XX/XXXX and Transunion Report pulled on XX/XX/XXXX show XXXX bank re aging a credit card debt charged off in XXXX to reflect a past due amount on a XX/XX/XXXX credit report for XX/XX/XXXX.. This is illegal and violates the fair credit reporting act. They ca n't say a debt is due if they have charged it off. It must be listed as disputed on my credit report and they could not verify the debt in XX/XX/XXXX. Also, they must cease and desist from how they report this debt immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05 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:
My name is XXXX XXXX. I have been a victim of Identity Theft. I have been trying to work with the Credit Reporting Agency but they are refusing to honor my valid identity theft case thus these incorrect/fraudulent items are still on my credit report and they must be removed immediately but they are do not belong to me. I have provided all of the proof to show that I was a victim of Identity Theft and that to the best of my knowledge these fraudulent accounts do not belong to me. Please take immediate action on my behalf so I can have these items removed, deleted and permanently blocked from my credit report, so that I can get back on track to a normal life. 

RegardsXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Cornerstone Home Lending Inc.
State: AZ

Complaint narrative:
Brookhollow mortage in Texas was working on a mortgage for me. I had to cancel on the mortgage because they were telling me it was my job ( XXXX XXXX ) and they were doing me a favor. I submitted all of my docs by XXXX/XXXX/2016. BROOKHOLLW MORTAGE WAS NOT RETURNING MY CALLS AND WHEN I DID REACH THEM THEY SAID I HAD TO GET THE TAX TRANSCRIPTS. I SUBMITTED THE TAXES AND THE XXXX IN PLENTY OF TIME. THEY CALLED ME ON XXXX/XXXX/2016 AND ADVISED I HAD TO GO DOWN TO THE IRS OFFICE AND OR WEB SITE TO GET TAX TRANSCRIPTS. AGAIN THEY ADVISED THEY WERE DOING ME A FAVOR ( XXXX XXXX ) WITH ALL OF THE CHAOS WE COULD NOT FUND TILL THE XXXX HOUR AND NOT DO THE WALK THROUGH IN A TIMELY MATTER. THEY ALSO WERE ADVISING ME THAT I NEEDED A SCHELDUE C, WHEN IN EFFECT I DID NOT. THERE WAS A LOT OF UNCERTAINTY WITH THIS COMPANY. I HAD TO CANCEL THE LOAN BECAUSE OF THE LAST MINUTE UNCERTAINTY. THE BUILDER WAS READY TO CHARGE ME {$500.00} A DAY ON A PER DEIM. I DID NOT HAVE TIME TO EVEN DO MY WALK THROUGH. WHICH THEY SAID I CANCELLED. THE BUILDER THEY WERE WORKING WITH ( XXXX ) TOOK MY {$5000.00}. BROOKHOLLOW MORTAGE ADDRESS IS XXXX TX XXXX THERE NUMBER IS XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
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 — Personal information
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have XXXX reports with my name incorrect and a home address that includes an " Apartment Number '' although it is a single family home. 
XXXX shows me owning a home and having a mortgage, and other information incorrect in my IDENTIFICATION VERIFICATION.

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 2016-04-09 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:
There are XXXX problems on my credit report with Experian 1 - There is an account listed which is not mine Creditor : XXXX 2 - The total for " Revolving Credit Limit '' includes limits for accounts which are closed I had mailed a dispute form to them in XX/XX/XXXX but have received no response.

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 2015-05-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian Credit Bureau, removed XXXX fraudulent accounts from my credit then without warning or notices they re-added the unknown accounts back to my credit. I have supplied themwith a valid police report that was stamped and signed by the police officeand to date they have done nothing but ignore me, so my case remains unresolved. 
The fraudulent accounts are as followsTax Lien ref # XXXX XXXX XXXX # XXXX

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