vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XXXX I contacted the creditor XXXX to settled this account. They referred me to a collection company that collected my payment settling this account in full. I contacted the original creditor today to see why they have n't updated my credit file and they referred me back to collection agency. The collection agency is NOT reporting this debt. The company XXXX is the one reporting it. I strongly feel they are the ones to update my balance to show XXXX since they are reporting this old debt.

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 2015-04-19 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I received an email stating my results are ready and to access them within XXXX days from XXXX but have been unable to do so. In addition to their provided Report & ID number, I was to enter my ssn, state, and zip code. The entered values are accurate and should all access to my results.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am trying to contact Experian because I submitted a police report proving identity theft and I have tried to submit additional inquiries for review because they are fraudulent and Experian refuses to allow me to do 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 non-monetary relief
Consumer complaint received 2017-02-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I obtained my free annual credit report online on XX/XX/2017. As of XX/XX/2017, a negative account is scheduled for deletion, I attempted to check and dispute online as of XXXX on XX/XX/2017 but was unable to do so, no matter what computer I used.

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 2016-05-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
All negative reports should be deleted from my file. Each account has been paid 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 explanation
Consumer complaint received 2016-08-30 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I asked to investigate all the fields on the act. but they come back with a verification that the balance is not reported by the the creditor. If they ca n't verify the balance is XXXX after well over 45 days they should have deleted the acct. They are slopy when they fix something they XXXX others

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 2016-12-30 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: FL

Complaint narrative:
Experian would not deliver my free credit report after I entered all personal 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 2016-03-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I ca n't log into my online experian account and I know I am answering the security questions correctly. I looked on XXXX XXXX and an address in XXXX is showing up and I 've never lived anywhere outside of XXXX. I researched the property and.it says the property owner is a XXXX year old 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 2015-10-27 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:
I was the victim of an identity theft by my ex-wife. She was charged with the crime and convicted and received probation. When we separated she stayed at the residence. She became involved with another person and they applied for credit everywhere using my identity and she wrote thousands of dollars in bad checks against our closed joint account. She started out making an attempt to actually pay the bills because she did not want to get caught. She told the judge that she had intended on maintaining the fraudulent accounts so she could have the credit, but she was afraid getting caught would affect our custody battle for my child. She was charged with the crime and made a plea deal admitting to stealing my identity, writing thousands in bad checks and fraud. I have gone back and forth with primarily Experian about this for years even providing them with proof that the identity theft occurred. I am the victim and I 'm still dealing with this, she is the criminal and got 18 months of probation. When Experian investigated it they said the accounts were set up from an address on my report ( I left the residence to her ) and also noted that some payments were made at first on the accounts which she admitted doing to the judge because she did n't want to get caught and was afraid she 'd lose custody of our child if she got caught. All of this is on record with the Superior Court of XXXX XXXX Georgia and the police department. Long ago I actually sent Experian a letter from the prosecutors office supporting the identity theft and still Experian did nothing to remove these identity theft accounts

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX Bank XXXX XXXX XXXX XXXX XXXX, MI XXXX # XXXXHas Falsely Reported Information onto my Credit Reports and have Failed to Validate and Verify to my Dispute # XXXX .Violating FCRA, FDCPA, TILA, XXXX XXXX. 
First who am I dealing with? XXXX Bank Mortgage XXXX a division of XXXX Bank, XXXX. XXXX Exhibit A ) or XXXX BANK F.S.B. ( Exhibit B )? 
What was Done? 
1 XXXX Loan was Transferred as stated in ( Exhibit A ) taken from XXXX Website? 
2 XXXX ForeClosure redeemed XXXX Exhibit XXXX XXXX XXXX Remarks? 
3 ) XXXX Reclaimed collateral to settle defaulted Mortgage ( Exhibit C ) Experian Remarks? 
In Regards to Question 3 Who was XXXX XXXX? 
4 XXXX No Loan or Account XXXX Exhibit C ) XXXX? 
Consent to publish the description of what happened? Consent providedSupporting documents ( A ) Loan Activity Detail XXXX XXXX ( XXXX ) ( B ) Screen Shot XXXX at XXXX ( XXXX ) ( C ) Screen Shot XXXX at XXXX.png ( XXXX )

Company public response: Company 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: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I checked my free credit report in www.freecreditreport.com which says that it is a part of Experion. It said I have to pay {$1.00} to get my score and so I paid {$1.00}. What it did n't say that it automatically enrols me in some EXPERION membership which, if I do n't cancel within 7 days, they would start charging me membership fee. NO. THEY DID NOT MENTION ANYTHING. 
Now after 7 days, Experion started charging me {$21.00} monthly for my membership with them which I did not authorise or even enrolled myself for. Is freecreditreport.com is a proxy face for EXPERION to do these things? And yes! There are XXXX complaints against EXPERION for doing this same thing. XXXXBut it seems nobody is bothered to take any action!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I recently disputed several items with XXXX and the items were deleted from my credit report ... The company name was listed as XXXX XXXX and now they have re inserted the negative items back on my report but under XXXX XXXX, I was never notified by the collection agency nor the Credit bureaus that this information was going to be put back on my reports. This has caused a tremendous drop in.my score and has affected my pre-approval for my home. When, I disputed the items I asked for a debt validation letter along with XXXX correspondence but the company failed to reply back with supporting documents.. They have violated the Fdca law and the Fcra which I can seek damages from the collection agency.. The debt is n't owed because it was included in a paid lawsuit..I have documentation of debts being paid.. the date of services were XX/XX/XXXX,2016..I am asking that these negatives be removed immediately with company and the company be advised not to re insert these items back to my report and if they do, I will sue..

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 2016-07-08 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 have sent multiple letters to Experian with regards to the XXXX that is reporting on my credit file. I have informed them on a number occasions that this is not my account. But have not had any success in getting them to remove this account from my credit file. I am in need of your assistance in getting this matter resolved.

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 2016-11-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX has listed an inquiry on my credit report on XXXX XXXX 2015 that was initiated from XXXX XXXX Apartments in XXXX, Virginia. I did not authorize this inquiry and would like it removed. I called XXXX but XXXX at XXXX refused to remove the inquiry, stating that only XXXX XXXX can do so. I had to sue XXXX XXXX for illegal actions and prevailed. I would like this inquiry 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 2015-09-04 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 wrote to credit reporting agency this XXXX attempt to get the following XXXX items deleted from my credit report. The following collection item is entirely wrong. 

XXXX XXXX # XXXX A/C # XXXX have no contract with XXXX XXXX so I am not sure why are they placing this account in collection. I asked, If I have signed something, please send me a copy of signed contract otherwise immediately delete this collection account as it is having negative impact on my score. 

According to Fair Credit Act, they must furnish me details of how a collection account is placed on my name and with details, I required signed and executed contract. 

I previous disputed such items, and also sent them a court judgement where a Judge of XXXX County has clearly stated that I, XXXX XXXX, am not personally responsible for this account. You returned stating that this Account number is not being reported on my credit report and referenced it as Account # XXXX. However court judgement which is attached here states that Account # which is NOT XXXX XXXX 's responsibility is XXXX. 
They have stated that you have verified information from sources, however no such verification process system was explained and documents used was sent to me. 
I contacted the Creditor and no adequate response was received.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Based on the Fair Credit Reporting Act, Section 1681c as it relates to dismissed or withdrawn bankruptcies, the law clearly states from " date of adjudication '' or " date of order for relief ''. 
A bankruptcy dismissed or withdrawn no longer exists and the case filed was never adjudicated. Accordingly, Section 1681 ( a ) ( 5 ) of the Fair Credit Reporting Act states the bankruptcy reference must be deleted from my credit report. I referenced the law in my letter to the credit bureau and they have refused to remove items 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 2017-01-03 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Statebridge Company
State: IN

Complaint narrative:
I experienced job loss, divorce, and a death in my family that contributed to my hardship, and the necessity of requesting a mortgage modification. I contacted a HUD approved counseling agency to help facilitate the mortgage modification process and at this point we are at a stalemate with StateBridge mortgage loan servicing company. My mortgage was sold to StateBridge over XXXX year ago, I have been in the process of trying to modify my mortgage throughout this entire time. Before StateBridge, purchased my mortgage it was with XXXX mortgage loan servicing company, we were at the final stages of reaching a modification when my mortgage was sold to StateBridge. My taxes and insurance were escrowed with XXXX and It was my understanding that the same would be true when StateBridge started servicing my mortgage. I had homeowner 's insurance through XXXX and StateBridge put forced-placed insurance on my property during the time my policy was still active with XXXX. My XXXX policy was not paid through escrow as a result my policy lapsed. StateBridge is requesting that I reinstate my homeowner 's insurance policy to approve my mortgage modification, however XXXX will not reinstate the policy without proof of insurance from StateBridge. StateBridge will not provide proof of insurance for the force placed insurance. We are at a complete stalemate at this point. StateBridge has made several errors reporting this loan to the credit bureaus and were forced to delete this loan from my credit report. It is my belief that this loan is predatory in nature, and I am requesting a fair loan modification based on the low loan balance, high interest rate, and the value of the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
This was disputed/updated. The update forward to me from Experian was dated XX/XX/2016 : and reads in Comments : ( Never late paid as Agreed ) - from the bank investigation : XXXX Bank that replied to my dispute made. However the updated Experian report today ( XX/XX/2016 ) still shows ( 2 ) periods of 30 days late reporting with the Comments : never late paid as agreed. Additionally it still shows a balance that was not addressed also. The Balance of {$110.00} was a refund ( given ) transaction processed by XXXX of {$99.00}. At this time the bank have place it back on my credit report plus interest. See the e-mail from XXXX uploaded as documentation of the process from XXXX/XXXX/2016. XXXX Bank gave the credit for the {$99.00}, as well forward me the overage ( check ) payment of {$19.00} when it settled. From dispute of late pays I made they now claim that they never received the Refund Transaction from XXXX placing this back on my Experian Report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-09 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I opened a new credit account with XXXX XXXX XXXX. Never used the card but did pay the XXXX dollar activation fee. 4 months later I saw fraudulent charges at XXXX in California. I called the credit card company and reported fraud. They closed the account and issued a new account to me. I was told it could take 60 days to investigate. XXXX was reported to them XXXX XXXX 2014 for charges made XXXX XXXX and XXXX 2014. Received letter from their fraud investigation department stating no new charges on account ending in XXXX. This is not my account. I have spent hours upon hours trying to resolve on the phone.. No resolution yet I keep getting late fees interest and the fraud charges are still on the account. They have now reported me to the credit agencies as a no pay on the credit card. The new account they issued I also closed due to their lack of resolution in the fraud case. Pleas advise how to remove from my credit report. They are idiots.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX, XXXX and Experian are reporting a {$93000.00} dollar deb in my credit reports and this is a mistake make by the child support system. After a lengthy proses trough the court systems I was able to correct this problem and the judge finally signed the order to remove the deb. So since XXXX XXXX 2015 my balance is {$0.00}. but this above mentioned credit agencies refuse to remove the information from my credit file despite my efforts to provide copies of the original court orders and XXXX requests to remove it. They just do n't care. {$93000.00} this is what creditors see when I apply for credit that I have an outstanding debt of {$93000.00} and this is impairing me from buying a house or a car. 
I am writing the CFPB as my last resource of dealing with this credit agencies. Please help me with this problem. 
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 explanation
Consumer complaint received 2015-06-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Please have experian update my credit report on Docket number XXXX from satisfied to vacated enclosed is a signed agreement to vacate from plaintiff attorney

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
This complaint pertains to my Experian credit report only. The information from the other credit bureaus has been removed. 
The creditor XXXX XXXX, Account # XXXX has refused to correct dates of delinquency or inclusion dates under the Chapter XXXX that I filed on XXXX/XXXX/XXXX. Instead they keep using the date XXXX XXXX. The date XXXX uses on my credit report of XXXX XXXX is causing the negative information to remain on my credit report for XXXX additional years. Also archived reports from Experian show that I had delinquencies in XXXX ( which I included in my disputes ). The negative information should be removed this year. Instead it is showing that it this account will continue on record until XXXX XXXX. 
More than 7 years have passed since my filing of Chapter XXXX and original delinquencies, therefore I feel it only fair that they stop reporting the wrong negative information on my credit report ( Experian ). I have sent in many complaints to Experian only to have nothing done.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I got a letter from California tax fanchise board of unpaid state taxes from 2013. I called them and explained I 'm XXXX XXXX military and have been for 22 years. I have not lived in california for 22 years. I am exempt from paying state taxes for Califronia. They admitted it was a error right away and XXXX out the debt. However, the very next day a tax lien hit my credit reports. I have submitted to all XXXX credit reporting sites. The lien is coming back paid BUT will remain on my credit until XXXX. I called the fanchise board to have this removed and was told the XXXX XXXX office wouldd have to remove it. When I called them I was told no the franchise board would be the ones to remove it. The recorders office did say its showing on their end as a error. So why is it on my credit report as a released tax lien. I need help to get this resolved and off my credit reports. Thanks in advance for the help.

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