vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-09 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear Credit Reporting Bureaus : I have been monitoring my credit scores weekly for about two years now and I am " stumped '' at the constant fluctuation in my FICO score from week to week. Thus, I have had to break down and purchase XXXX at {$20.00} per month just to try to protect myself further. Monitoring my credit scores and constantly having to fix them is taking a significant amount of time out of my life. This should never be! 

I have a complaint about your FICO score calculations and the fact that there is no " explanation '' as to the CONSTANT fluctuation in my score every week. 
On XXXX XXXX, I checked my FICO score and it was XXXX. Within one week ( today ), my FICO score dropped XXXX points with XXXX ... XXXX points with XXXX ... and XXXX points with Experian. When I viewed my credit report, I saw that I had done nothing wrong. I continue to obtain credit offers with lower interest rates, I am never denied credit, and I pay my payments on-time with all of my new accounts. 
Since you credit reporting agencies hold so much " power '' over a person 's life ( their FICO score determines if they can buy a house, buy a car, rent an apartment, get a job, and various other " life issues '' I INSIST on a detailed, specific, verifiable explanation as to WHY my scores dropped from each of you. Since your agencies actually assigns a NUMBER which determines whether a person has " very poor '' credit ... '' poor '' " fair '' " good '' and then " excellent '' credit, there must be a certain " MATH '' that you use for each point. I demand to know the math - long form, that you have used to drop my scores. 
I have requested this about 1 1/2 year ago and was given a vague, ambiguous answer by credit reporting agencies that are authorized by the government to assign these FICO scores. This is NOT ACCEPTABLE!!!! 
Since your calculation can keep me from buying a car, home, or even rent a simple apartment. Since you have SO MUCH control over my life ... because of the FICO score that YOU determine. I want to know " specifically '' WHY my score has dropped with detailed explanation. 
When such serious responsibility is given to an organization, then ACCOUNTABILITY is required. 
So, to XXXX ... please tell me why you dropped my score by XXXX points within one week? 
To XXXX ... please tell me why you dropped my score by XXXX points within one week? 
To Experian ... please tell me why you dropped my score by XXXX points within one week. 
Please take responsibility by being " vigilant '' when an outsider attempts to provide information to assure that it is correct.

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 2016-04-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
Experian reports my Revolving Credit Limit as {$110000.00}. 
Adding up the open credit cards ( XXXX ) they list in the same report, comes to {$44000.00}. 
They are unresponsive, uncooperative and abusive. 
I 'd like to get this apparent error either corrected or the provenance of the number explained but Experian is rude, unprofessional, and exasperating. 
PS, do n't fall for the 'it must be the real estate loans ' because they are reported accurately and no mathematically correct way exists to get the numbers reported to match up. 
PPS, the 'upload ' dispute system does n't work and, after going through all the hassle, you get a message that tells you to send in your complaint by snail mail. Even that would be OK if it worked. 
I anticipate that Experian will deny all, that, in my opinion, appears to be their MO. 
Please publish 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 2017-02-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
my identity was stolen, i filed a police report, and noted this to all XXXX credit bureaus.Experian is refusing to honor the police report, and has refused to adjust my credit file, and remove negative information, not associated with me. i can document police report, and my notarized affidavit to them. they are the only bureau who has not removed 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 2016-03-01 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
There is a incorrect information reported in my credit report, I disputed the issue with XXXX agencies myself but only XXXX deleted the item, but no results from XXXX and Experian yet, I need your help, I also hired XXXX XXXX to dispute for me, items from issues with credit reporting companies. but seems no results also, see attached documents to proof when I started disputing .FYI I never engage any king of business with XXXX I also tried to dispute with XXXX myself but they never respond to my disputes.I Thanks in advance for your future help Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Required XXXX has be reporting XXXX accounts ( XXXX .... ) on my credit file for Experian, XXXX and XXXX status as " Creditor can not locate individual ''. My phone number and address has not changed since XXXX 2009. This is the same address that is on file with the credit union as I often receive mail and email from them. I was recently denied credit for a loan and was told that the state reads " Creditor can not locate individual '' on my report does not show well and could easily be misinterpreted as I recently found out. To state that on report is totally incorrect as I receive special offer mail and emails from XXXX XXXX often.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I tried to dispute the date with Experian of the XXXX account. It should be the filing date and not the discharge date. There should be no collection activity, balance history, status date past XXXX I tried to have this corrected but I Experian is asking me to send id when I have disputed items in the past with them. This is an attempt not to investigate by inconveniencing us. I want to be able to dispute online. If they did thorough investigation I would not have to request reinvestigation. I have been back and forth with Experian and errors on my file since XXXX. They have not done their due diligence. At this point if they do not correct the date to filing date of XXXX I want the item deleted.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing the Chapter XXXX bankruptcy on that is listed with all credit bureaus. A Chapter XXXX, whether it is dismissed or successfully receives discharge, is on your credit report for XXXX years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Someone used my name to secure a student loan while I was in prison. I attempted to get each credit reporting agency to correct it but they refuse.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I rented a car from XXXX XXXX XXXX, returned the car as scheduled only to have the agency charge me for excessive fee, ans still claims that I owe them money

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Experian is reporting that an account with XXXX XXXX XXXX is 180 days late from XXXX XXXX to XXXX XXXX. In this time, this account was REPORTED IN BANKRUPTCY so it was protected. I paid on this account as per my plan to make up the late payments. The loan is now paid in full. These payments were removed from my report but reappeared last month when the loan was transferred from XXXX to XXXX XXXX XXXX. I have filed numerous complaints to XXXX for correcting then readding this faulty information. XXXX is being converted to XXXX to cover up their terrible business practices. I AM ATTACHING MY BANKRUPTCY PAPERWORK AND EXPERIAN SHOULD KNOW XXXX COULD NOT BE REPORTING ON ME EVEN IF IT WAS CORRECT, WHICH IT IS NOT!

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 2016-03-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Consumer went through XXXX from XX/XX/XXXX-XX/XX/XXXX and had a complaint in with my XXXX because XXXX was charging for procedures I never had. Received an updated bill from dentist that shows a XXXX balance before XXXX XXXX was involved. XXXX XXXX has made up a new bill that shows consumer owes {$1300.00} on credit report. Consumer has disputed this item for two years with all credit bureaus to no avail. Credit bureaus have curtailed all disputes. Consumer has contacted XXXX XXXX several times but was either placed on hold or transferred out. Consumer has attached a copy of the XXXX balance bill that was submitted to consumer by the local XXXX. XXXX XXXX will not budge even when I complained to a state agency. They did adjust the amount of the bill which is bogus.

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

Complaint narrative:
I sent, via certified mail, a formal dispute of items contained in my credit report, accompanied by copies of my driver 's license and Social Security card, to EXPERIAN. The attached document is their response to me, which you will see is a refusal to investigate my dispute because they viewed it as a " suspicious request ''. It is my understanding that EXPERIAN 's tacit disregard of my request is in direct contradiction of FCRA, 15 U.S.C. 1681i ( a ). I greatly appreciate you investigating my complaint.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I can not access my anual report it says I am not 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 2016-06-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I called Experian on XXXX/XXXX/16 to get inaccurate addresses and phone numbers removed from my report. I told them the only accurate address was XXXX XXXX XXXX XXXX XXXX Ct XXXX and XXXX XXXX XXXX XXXX XXXX XXXX Ct XXXX. I did n't even get to address all the inaccurate phone numbers on my report. The only number that should be reporting is XXXX. I did not have an issue with XXXX and XXXX removing these inaccuracies from my report. Experian is violation the Fair Credit Act and my rights by not removing these inaccurate items.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian did not clearly explain why my dispute was not honored. Also, I was not able to upload attached dispute documents on Experian site.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-29 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I tried to obtain a free credit report from Experian, because I was denied credit over a month ago, but my request was denied. 
Today when I paid for it, I was able to get the report. 
On that report, there are names I did not recognize, and wrong information. 
I tried to open a dispute and was denied. 
So Experian has to be paid for everything, otherwise I can not move forward with the dispute.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX/XXXX/15 I have disputed this illegal inquiry on my credit report more than a dozen times with Experian. Each time, Experian violates the FCRA and fails to investigate and correct my file. This HARD INQUIRY was not authorized by me, was made without my knowledge or permission, and was NOT FOR A PERMISSIBLE PURPOSE under the FCRA. The Statute requires Experian to delete this hard inquiry in the event it can not substantiate a permissible purpose, of which none exists. 

Yet Experian continue to violate the FCRA overtly, This is wrong, and I formally demand a further reinvestigation into their illegal practices. I can not prove a negative. The burden does not lie upon me. The FCRA was clearly written to protect consumers. How do I prove permission never existed? I can not prove a negative. And yet Experian continues to illegally report this hard inquiry. Under the FCRA, I am entitles to statutory damages of {$1000.00} PER INCIDENT in which Experian does not follow the law. 

Do I really have to sue? Or will the Bureau enforce the law and actually protect consumers? 

This hard inquiry MUST BE DELETED as it was not for a permissible purpose, and not authorized by me. 

I expect the law to be followed and this hard inquiry to be immediately deleted. 

Thank you, XXXX XXXX XXXX XXXXXXXXXXXX

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 2015-08-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
The credit reporting agency told me if the court couldnt prove the lien was mine, they woould remove it. They said all I have to do is wait XXXX days and it will be removed. After the other two credit reporting agencies removed the erroneous report off of my name instantly with the IRS document I provided, they decided it wasnt good enough. Then I continued sending in IRS documents that the IRS said would clear my name, the whole time they did not tell me each time I send new information in, it resets the XXXX days I have to wait. So today I finally found out ( now that it was about to be XXXX days ) that they have been resetting my XXXX day wait period. Now I have had destroyed credit that continues to go on and on. They do not know how to read the IRS documents and are accusing me of something the IRS said they should easily be able to read. The complaint I have is that they were not honoring the initial XXXX day window to clear my name if not proven guilty, now it is getting closer to XXXX month I will have to wait. They should not be able to assume I want to extend my XXXX days by sending them new information that is only extending my time for my name to be cleared. They did not tell me they would do this, and it has really hurt me financially and is continuing to. They should have to disclose to the disputing party that any information sent resets the XXXX day waiting period, otherwise that means a person is claiming to be guilty because why would anybody want to wait longer when they know the initial debt collecting party can not prove anything because it is false.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Related case XXXX can TransUnion put up such a fight to remove items from XXXX XXXX XXXX when XXXX has admitted that there is no proof of me being late on this credit card listed on my file? 

How can TransUnion say an they have verified an item with the original furnisher when the original furnisher ( XXXX ) has addmitteed that they do not have a record of me being late? Please see attached recorded call. 

This raises a lot of other issues including, but not limited to FCRA section 623.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
For some reason Experian always hinders my credit score. My score with XXXX is XXXX as of XXXX/XXXX/2016. I was talking with XXXX Bank and they reported a XXXX score by Experian.That is XXXX points less. This happens with a regular basis and consistently holds back minorities ability to purchase a home.Consumer Financial Protection needs to look into why is there such a discrepancy.

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 2017-02-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian will not update a judgment lien from the Circuit Court of XXXX County or allow me to dispute the item just because they investigated my original dispute in XX/XX/XXXX. I paid the judgment lien a year later in XXXX. Twice, I have mailed in a copy of the satisfactory letter and nothing is done. XXXX and XXXX has already updated 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 non-monetary relief
Consumer complaint received 2015-07-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
They did not fix.. I have proof of time of account open, the whole system is automated and no human interaction. They have incorrect info and do not correct.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian credit reporting services is showing an address on my credit report of : XXXX XXXX XXXX, FL XXXX that is not mine. 
I have a credit Freeze on my account and this address was added after Freeze was in place without any verification or consent from me. Experian is very difficult to contact online and the phone number they provided does not answer or resolve any attempt to contact them. 
Please help correcting the issue with this company.

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 2017-01-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX is reporting Docket # XXXX on my Experian Credit file. Due to the XXXX v. XXXX lawsuit, all Virginia Court filings should not be reporting. This is the only public record from a Virginia Court that remains on my credit files, most recently, I submitted a complaint about XXXX in XXXX 2016 and those accounts were deleted from my XXXX report. I was made aware of the XXXX Case while completing a Mortgage Pre-Qualification.

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 2017-01-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Disputed public judgement on credit report. Confirmed with attorney that judgement was against a property ( " in rem '' ), not myself personally. Boilerplate response from Equifax.

Company response to consumer: Closed with non-monetary relief