vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Proof is enclosed in the two attachments with this complaint that Experian does not verify information with the creditor and even have any information on file. XXXX has sent yet two more letters requesting information from me and my credit report because they do not have any information on me. Experian has sent back a response previously that they verified the information. It is a Federal Law that the information they put on my credit report is to be verified and not pulled from XXXX 
Experian is in violation of Federal Law and also case law. They are supposed to verify information and if they can not they are to delete the information. I am not going to help XXXX collect data because they have a legal responsibility to report accurate information. They do not have any information on me because the two credit cards that I had with them was over 7 years ago. I want this information and other negative information removed from my file because Experian has NOT been able to verify the information. If this is not done my next recourse is to take Experian to court and maybe I can win a few million dollars as other consumer 's have that were awarded compensation by the courts for Experian 's blatant refusal to remove outdated information and say it was verified. Also, if you share this complaint with others I would like to gather enough consumer 's together for a class-action lawsuit. I am disgusted and fed up with the games and the illegal activities regarding credit reporting!!!!!!!!!!!!! PLEASE SEND THIS COMPLAINT TO THE FTC BECAUSE SOMETHING NEEDS TO BE DONE!!!!!

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 2016-11-11 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:
After reviewing my credit report in detail at the beginning of 2016 I noticed some aged and old accounts that I decided to dispute. I disputed several accounts that were reporting wrong and were past the 7 years from the first date of delinquency. I have sent over 5 letters which I wo n't upload all of them but I will upload the most recent. I also contact the creditor people reporting the information and either the letters got returned or they did n't respond. This bureau sent results saying the found the account accurate after talking to the creditor.??? i 'm so confused because these people have n't sent me anything. From what I read the bureaus must complete an investigation and verify certain things with the source and respond within 45 days from date of receipt. I 've discovered multiple holes in their investigation process and I 'm not trying to get them in trouble I 'm simply trying to correct my report. Your site offers a section and I read the " first date of delinquency '' & " 7 years '' to where if it 's been 7 years from that first date you become delinquent then the account must be deleted. Majority of these account fit the guideline and there 's no way the bureaus " verified '' this. Very frustrating bc I feel like they are just trying to keep these account on my credit report so they can make more money on reporting premiums from the creditors who is their clients. As a consumer I feel completely ignored and violated. nOt sure if I 'm the only one but i 'd be willing to bet I 'm not. Hoping they correct some of these mistakes not just for me but for other americans. This has affected me personally bc I 'm trying to obtain financing for a vehicle. 

Accounts in question are : 1.DP OF EDUC ( letter got returned, over 7 years from first date i was first late ) 2. XXXX ( over 7 years ) 3. XXXX ( I do n't owe anything, says on my report {$63.00}?? simply not true ) 4. XXXX ( i believe we first became late of 7 yrs ago ) 5. XXXX ( I was first delinquent with ORIGINAL CREDITOR over 7 years ago ) 6. XXXX ( i was first late over 7 years ago ) ( very sure ) 7. XXXX ( i was first late over 7 years ago ) Thank you for your time and i 'm looking forward to getting this resolved. have a great day.

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 2015-07-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I called today to inform the credit agent XXXX ( male ) to please submit my dispute to report the correct Account History field to read, " Debt included in Chapter XXXX Bankruptcy was filed, and reported to XXXX XXXX XXXX in XXXX XXXX! Experian continues to report incorrect information on my credit profile. Experian is not properly validating the true file date of my BK-XXXX to be XXXX XXXX to be reflected onto the ACCOUNT HISTORY field of my report, but keeps reporting the incorrect BK-XXXX date as XXXX XXXX, XXXX. The credit agent, XXXX flat out " refused '' to put in my request to validate and confirm the correct BK-XXXX file date to XXXX to show XXXX XXXX and NOT XXXX XXXX and not reflect any late payments prior to filing BK-XXXX is WHY its very important to change the Account History date field on my credit report. Please make the necessary corrections, this is to stay on my file until XXXX XXXX, and I want the revision completed immediately! I have submitted documents from their database to show the discrepancy and to fix it right away. I have also left a message ( XXXX, for XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX to make this correction and re-insert this account back onto my account that was not supposed to be deleted off of my XXXX report # XXXX, dated XXXX/XXXX/XXXX. it 's not supposed to be removed off any of my credit reporting accounts. Why are these companies getting away with violating FCRA laws? I am tired of the deceit and unlawful credit reporting that is done behind my back! These credit reporting agencies and XXXX XXXX has created costly damages to my credit scores that I will not be able to regain nor recover from XXXX XXXX. According to their letter dated XXXX XXXX, XXXX, XXXX XXXX was to re-insert the trade line - it was not done and does not show in my XXXX report at all ... ... Will you please assist me in this matter? Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 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 have made an attempt to make police reports but was denied which led me to wonder why I was being blacklisted at many places. Infact, so much of my information is compromised I could not even obtain my own credit report. My mail was moved without my permission. I had to put the matter with law enforcement through MI DEPARTMENT OF CIVIL RIGHTS. THE NEXT TIME SOMETHING WAS FRAUDULENTLY DONE IN MY NAME WHICH CAUSED ME TO BECOME OVER ANXIOUS THEY SUGGESTED CHANGING MY SOCIAL SECURITY NUMBER, I CAN NOW NOT BE SO SURE AS THIS IS ONE OF MANY PROBLEMS I HAVE HAD WITH THEM BEING DISCRIMINATORY. I was not actually able to go to the social security office in my home town, as I even felt they we 're some what discriminatory ( XXXX, Mi ). They would n't even let me sign up for SS on line on their computers. I had to go downtown to XXXX to do any business even after obtaining pieces of my stolen identity such as XXXX, SS CARD, INSURANCE CARD, ID. I COULD N'T USE THE SECURITY OF STATE TO DO MY BUSINESS IN XXXX, OR RED FLAG MY IDS AND ABOUT XXXX WE 'RE STOLEN. There we 're weird addresses in states I 've never even visited in on my credit report. On XXXX it looked like my age had been compromised.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Credit reporting agency has not removed derogatory remarks on my report. Agency continues to report remarks beyond the statutory period required for removal. 

Referring to XXXX XXXX XXXX partial account number XXXX .... late payments, and XXXX XXXX XXXX. partial account number 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 2015-11-18 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I live in Michigan and so I am entitled to place a security freeze on my report. Furthermore, as a victim of ID theft, I am entitled to do so at no fee for initiating or maintaining ( lifting / resetting ) the freeze. 
However, Equifax online does not provide the option for victims, but rather has only XXXX default - Pay them {$10.00}! 
Nor does Equifax mention this available free option ( again, going for profits while using our info tho willing to leave it exposed due to Equifax delays in implementing a Freeze when demanding fees and nonsensical reports ). 
Especially galling is the fact that I am an ID Theft victim as verified by another Credit Reporting agency, XXXX ( attached ), i.e. my crucial info of SSN, DOB, Address, and possibly other info such as Drivers License, ALONG with XXXX XXXX other XXXX victims of this theft / XXXX breach. 

In contacting Equifax on XXXX occasions, XXXX and XXXX Equifax asked ( XXXX ) that I send a written request. Then when they ignored that, I again called ( XXXX ). They now asked for the attached Experian notice. 

Again Equifax ignored that which led me to call on XXXX/XXXX/2015. The first level rep, then the supervisor, then the next level supervisor ( XXXX XXXX in the Equifax Consumer Affairs Office ), first stated Michigan law did not apply ( false ) ; then that only a police report would qualify me for1 ) a refund of my {$10.00} that they essentially extorted from me ( the only way I could implement an immediate freeze to avoid serious credit, monetary, and repair time losses ; and,2 ) as per Michigan law which Equifax denied, no charge for the ongoing freeze ( including no charge for lifting / resetting the freeze in the future ). 
However, proof of ID theft is NOT restricted to a police report. 

Not only does Equifax provide false information ( MI law ) and ignore responding to follow-ups they request, but they also are willing to put victims of ID theft at risk if the victim does not pay them to implement a freeze. 
However, Equifax states that if consumers ( in this case all XXXX MILLION of us ) can get a police report re the breach, Equifax will " generously '' waive the upfront fee .... what a farce, they only apparently want to collect fees from OUR information. 

Meanwhile, XXXX and XXXX had no difficulty immediately implanting the free ( per MI law ) freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX XXXX XXXX on or about XXXX/XXXX/2015 on EXPERIAN credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-05 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:
XXXX XXXX XXXX is showing a line of credit on my credit report under the name of XXXX XXXX. This account is not mine. The bank refuses to give me any information on the account, because my name is not XXXX. They will not remove this fraudulent information from my report. I have also submitted several attempts to dispute the inaccuracy with the credit bureaus. This has severely damaged my credit and are ruining my purchasing power. Bottom line is my name is not XXXX XXXX, I did not open an account with XXXX XXXX and this should not be on my credit report. I have never been late on any of my payments with any 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 2015-11-04 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I called the XXXX XXXX Bank and I told them someone open fraud account under my name. I also told them that I have fraud alert on my name company called me. The presonnal that I was speaking to told me that they do n't call. I think that was their fault and i think should be deleted completed. ( that is not me ) Also i have others inquiries under my nameXXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-13 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:
Filled out the forms to. Get my credit report after being denied credit. I believe there are many things that can be deleted from my account out dated bills. Charged off bills and bills taken over by other companies. Most of my poor credit is due to u paid medical bills. I am indengent and on medicaid can I get help with forgiveness on those bills and my student loans

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 2016-03-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
Experian is ignoring my numerous requests to investigate, verify and remove accounts from my credit report that do not belong 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 2017-01-24 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 just received a notification that " XXXX obtained a copy of your EXPERIAN Credit Report '' from XXXX credit monitoring service. I have not authorized a credit pull and need this 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 2016-04-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have contacted Experian 3 times as well as XXXX XXXX about an unknown collection account that appeared on my credit that does not belong to me. Thus, far I have not received a response in this regard from Experian or the collection agency and it has been 2 months. However the account still remains on my credit. 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 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:
Experian has lied and claimed that there is no enough evidence to support my claim, well I am about to submit proof as to how the XXXX XXXX XXXX account was not mine and why all accounts associated with it are not mine. XXXX XXXX XXXX claims the account was charged off in XXXX by someone named esquire, myself, and a XXXX XXXX. In XXXX XXXX of XXXX, I was married to XXXX XXXX who became XXXX XXXX. In XXXX of XXXX, all her accounts were changed to her married name including a student account she had with XXXX XXXX XXXX. I am attaching a few pictures of her card showing this. Now explain to me why I should not sue you for the XXXX you have cost me XXXX. Give me a XXXX 60 day response and I will make sure court papers are filed the next day. You were caught committing a felony and should be charged but we all know heartless souls like those at Equifax bought all the agiencies that oversea them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XXXX/XXXX/2016 I submitted Identity theft papers to experian consisting of my FTC Affidavit, Police Report and some other documents supporting my claim. Today is XXXX/XXXX/2016 and the creditors XXXX and XXXX which are the same company is still reporting on my credit report after I sent in my identity theft documents explaning how them XXXX accounts do not belong to me. I also sent XXXX XXXX and XXXX a copy too, and By Law since I sent them a copy of the FTC Affidavit and Police Report them items suppose to be blocked by the credit reporting agencies and also the creditors for supplying them with that pertinent information. The Law States : If a Furnisher learns that it has furnished inaccurate information due to identity theft, It must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information XXXX 
When any furnisher of information is notified pursuant to the procedures set forth in XXXX XXXX that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. 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 2015-04-09 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Last year I pulled my Free Credit Report from Experian on XXXX/XXXX/2014 for my wife and myself. Immediately after pulling XXXX Free Credit Reports I called to cancel the credit monitoring service. 

After canceling this I noticed several months later to my surprise that I had been billed for the service that I canceled. When I called Experian they conveniently has no record of the XXXX calls I placed to cancel the service and refused to refund me for more then the XXXX month basically telling me that it was impossible that I called and that if I had called they would have a record. 

I filed a complaint with the CFPB last year and was able to get some help and Experian reconsidered and refunded my money in full. 

Fast forward to today. I received a XXXX, XXXX, XXXX, and XXXX charge on my MasterCard from Experian. After several months of thinking this was resolved I have new charges exactly 1 year after my initial Free Credit Report was pull. I have new charges billed to me in the amount of XXXX. 

I called today to Experian to have these charges refunded and they told me I would have to dispute them with my credit card and they do n't know how they got on there. 

I would like to charge Experian with conspiring to defraud consumers. There is a systematic convenient failure of their system which favorably increases their revenue. 

I am looking for a refund, but more importantly and complete investigation of their business practices as I can only imagine how many other unsuspecting folks are also victims of this abuse. 

I sincerely hope that the regulator that reads this plea for consumer protection is not pencil whipped, but that a complete investigation is opened to investigate these claims as I believe it has absolute merit. 

XXXX, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-20 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
Additional document to support disputes found on case numbers : XXXX ; XXXX ; XXXX.

Company public response: Company 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 — Account terms
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I would like to dispute a XXXX located on my credit report. This Account has a Balance owed of XXXX and was opened on XX/XX/XXXX. This account is listed in error and should not be on my report. Can you set up a dispute and send the findings to my mailing address XXXX, XXXX NY XXXX. Can you also request from the company any and all documents which substantiates ownership?

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