vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was scammed by a person named XXXX XXXX who was working at a XXXX XXXX store in XXXX XXXX Florida on or about XXXX of 2013. He promised to provide me with home wireless phone service and wireless internet service. He asked if I had a home security system and I told him yes.He gave me a box with the system. I gave him over {$400.00} total. The system did not work. I was without phone service for about 3 weeks. After contacting him many times I learned this system would not work with my wireless security system. He came to my house and messed with my security system and XXXX XXXX XXXX phone box and took a picture of my XXXX form that was laying on my desk. I returned all equipment and received a receipt. I had NO service at all from this source. He did not refund my money. I have gotten a bill for {$480.00} from XXXX. I have talked to XXXX representatives 3 times and told the account with XXXX would be closed or did not exist. Now I find that an account has been reported to a collection agency and listed as deliquent account with at least Experion. This was a fraudulent transaction from the start as I am sure this person knew his service would not work with my security system. He scammed me out of several hundred $ and is now trying to get more. I will make a report to the local sheriff office and I have again contacted XXXX who said they would investigate again. Meanwhile the false report is still on my credit report. I am a XXXX XXXX XXXX XXXX woman who has no one else to depend on.I do have documents to support the money I gave this person and XXXX can verify the lenght of time I was without phone service.

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 2016-02-22 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:
I was recently mailed a letter of rejection from a VA approved mortgage lender and was told that I could then request a copy of my credit report as a result of my being rejected for a loan. 
I am unable to retrieve a free copy of 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 2016-05-25 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: MD

Complaint narrative:
I am a XXXX senior who recently filed for a Home Energy Loan through our State 's Housing Department and the credit scores shown on XXXX are better than the ones the Housing Department received. I just have the question as to why do I have to PAY for a CREDIT SCORE ( in particular Experian, who does not report XXXX ) that is so important " in the system '' and can be used FOR or AGAINST me? I intend to question the scores shown this morning on XXXX against the lower scores the Housing Department received less than 24 hrs ago. Housing received XXXX XXXX, XXXX XXXX AND EXPERIAN XXXX. I must have a score & gt ; XXXX and I know something is incorrect. Companies should not have the right to pick and choose what reporting agency they report to! If they are reporting something that will affect a consumer 's wellbeing ( home, employment etc. ), they should report it to all agencies that may receive an inquiry.

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 2016-07-14 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-10 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FRESNO CREDIT BUREAU
State: CA

Complaint narrative:
In XXXX 2014 I XXXX and went to XXXX XXXX XXXX where I had been admitted to emergency room. 
They took XXXX, and told me that I had to go and see a doctor who would be able to read them and figure out a treatment plan for me. 
I received XXXX bills:1 - from an emergency room doctor2 - for the emergency room chargesEverything had been taken care of. 
I picked up a CD with XXXX XXXX and visited a physician outside of the hospital. He viewed the XXXX and gave me instructions on what to do next. 
XXXX months later I receive a bill from the XXXX technician of the XXXX XXXX XXXX claiming that he read the XXXX for me. 
I have not even seen him, and I have never seen his readings. If I had, I would not have to see another doctor. 
When I tried to explain it to the hospital`s accounting representative, she won`t listen. 
They had Fresno Credit Bureau collect the debt for them. 
Their reps were calling me every day telling me to pay the debt. Finally, I gave up, as it is very frustrating and stressful to deal with them. 
I went to the website and paid the amount they claimed as my debt - {$83.00}. 
The payment went through, but then got rejected. I contacted them, and they told me that the amount went up, and it is around {$150.00} now. 
I really hope you can help me with this issue, I`m trying to rebuild my credit, and I do not need another debt in my credit history. 
I appreciate your time. 
Regards, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-08 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
A few months ago I ended up filing some disputes because there was incorrect and incomplete information on my credit report. So I prepared a nice letter and sent it with a copy of my driver 's license, proof of my social security number and proof of my mailing address so that Experian would be able to verify my identity. 
It has been at least XXXX months since I mailed my letter and I have n't heard back. When I try calling their XXXX number they want a report number before I speak with an agent and since I do n't have one I ca n't speak to anyone. 
I thought that the credit companies had to respond back to me within XXXX days otherwise they are supposed to remove things from my credit report?! 
Well it 's been way more than 30 days and all of the stuff I disputed is still there. I know I can go online and buy a credit monitoring service and try to dispute things online but I thought that Experian is supposed to help me for free! 
I 'm at the point where I 'm done wasting time and need to get this fixed immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-04-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I have been disputing inaccurate information on my credit report for over 1 YEAR and yet to have my report corrected. XXXX XXXX XXXX listed is incorrect. The balance is {$0.00} because it was transferred to U S DEPT OF ED/XXXX which I AM CURRENTLY PAYING EVERY MONTH. Yet it is NOT reported that I am in good standing and PAYING currently. 

AGAIN EXPERIAN CORRECT THIS IMMEDIATELY : XXXX ( XXXX DIFFERENT ACCOUNTS ) NEEDS TO SHOW A {$0.00} BALANCE. THE ONLY ACCOUNT WITH A BALANCE DUE IS U S DEPT OF ED/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 2015-05-25 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: MS

Complaint narrative:
I tried to obtain my credit score by using my Social Security Number for my free credit score that I can get free XXXX a year and I did not recognize none of the answers to the question that they were asking me. So I choose none of the above for all my answers and I was told that there was a problem with identifying me. Someone must stole my identity because I can not receive my score. I stay in an XXXX apartment and never bought a house or finance a vehicle. Please help me, I think someone stole my identity.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I SENT A LETTER ASKING FOR VALIDATION TO THE CREDIT REPORTING COMPANY AND THEIR FINAL ANSWER WAS ALL INFO IS REPORTING VERIFIED BUT THATS NOT WHAT I SAID I ASKED FOR VALIDATION. THESE ACCOUNTS HAS NO PAYMENT HISTORY EXCEPT FOR THE MONTH I ASKED FOR VALIDATION SO THEY IN RETURN REPORTED PAYMENT OK BUT HOW? ACCOUNT BEEN CLOSED FOR TEN YEARS AND THAT ALSO HAS THE ACCOUNT NOW REPORTING CURRENT. SO IF THE ACCOUNT IS GOING TO REPORT CURRENT WHY THEY DO ADD THE CORRECT ACCOUNT AGE? ITS XXXX ACCOUNTS WITH XXXX XXXX, XXXX WITH XXXX XXXX, XXXX WITH XXXX AND XXXX WITH XXXX XXXX BUT ALL THESE ACCOUNTS WAS CONSOLIDATED OVER 9 YRS AGO

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 2016-09-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I had a credit card account with a credit union which later was charged off and turned over to their representing law firm. I had an agreement with the credit union 's representing law firm to pay them off, which I did in XXXX. The law firm supplied me with my paid in full and satisfied letter in XXXX XXXX. I promptly sent the letter to the XXXX credit bureaus to update the status of the account. Experian contacted the credit union and was told not to update my credit information and stated that it REMAIN. I am asking the credit union to honor their representing law firm 's paid in full letter as close out of that account. Experian refuses to accept the firm 's letter as proof of payment because of the credit union 's remark. What can I do to correct this denial of my updated 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 explanation
Consumer complaint received 2016-05-21 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
i need to see my credit report, again. i noticed two items on report that had incorrect info.1 ) XXXX cell phone bill 2 ) $ XXXX dont remember from who.also i have no bank account & only XXXX old phone number, was listed.

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 2017-03-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently pulled a free credit report from freecreditscore.com. It outlined some erroneous information was previously deleted from my consumer report. It is the same game that that these credit bureaus continue to play. It is fraud and some one needs to actually stop them dead in there tracks! It has a very negative effect on my score and personal life and future endeavors. They continue to sell the derivatives over and over, which effects the sovereignty of the people of this nation and have no honor or accountability in dong so!

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 2015-05-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
The information reported to Experian for an acct with XXXX contains incorrect or re-aged information. The last payment date should be XX/XX/2008, XXXX days XX/XX/2008, was charged off XX/XX/2009. The charge off date shows as of XXXX and shows a comment of a deferred/interest only payment. I have never made a payment arrangement with this company. I am not disputing the debt, only the dates & the comment and asked they be corrected.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-18 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 5 late payments from XXXX/ which are located on my credit report. The account was opened on XXXX XXXX 2013. The late payments are 30-day lateness listed in the months of XXXX, XXXX, XXXX, XXXX. I did not make any late payments and I request that they be 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 2017-02-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XXXX XXXX Experian said in there relief on original case XXXX they would remove the XXXX XXXX credit cards that are not mine. I have a updated XXXX/XXXX/2017 credit report from experian they do n't have to listen to you. they not removing these XXXX fake XXXX accounts from my credit report. if you could contact them about the relief they told your agency. It would be greatly helpful. They are on my credit and ruining my credit because they will not do what is needed and what they said they would do. I do n't know how to show they file from my first case information in case 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 2016-06-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I HAVE AN TAX LIEN THAT HAS BEEN PUT ON MY CREDIT ( XXXX/ EXPERAIN ) THATS NOT MINE ITS THE WRONG SPELLING OF NAME WRONG SS # ... ..ALSO A BANKRUPTCY THAT WAS DISMISSED IN 2008

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 2015-05-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX Bank account # XXXX payment history is inaccurately reported. Certain early late payments are omitted in order to re-age the account and report to the credit bureau past the 7 year statute of limitation in the Fair Credit Reporting Act. 

XXXX XXXX reported to Experian that the account was opened XXXX XXXX with a {$500.00} credit limit. 
Between XXXX XXXX and XXXX of XXXX this account was reported as never late. 
On XXXX XXXX was XXXX time it was 30 days late. 
The highest principal balance that the account ever reached was {$380.00}. 
XXXX XXXX added LATE fees at {$39.00} and OVERLIMIT fees {$29.00} each month along with 30 % INTEREST. Amount owed rose to over $ 1,300.00Eventually XXXX XXXX filed suit in XXXX Court and agreed to settle the debt in full for {$850.00} ( see enclosed attorney receipt. 
This settlement was completed before the court hearing date. No judgment was entered. 
XXXX XXXX settled for {$850.00} because they could not provide a validation of the debt. 
DisputeXXXX XXXX refused to provide statements on the account from XXXX XXXX to present. 
On the statements I did find that the date of XXXX delinquency was XXXX XXXX, XXXX. 
XXXX XXXX charged late fees : ( see statements attached ) -- XXXX/XXXX/XXXX for {$29.00} -- XXXX/XXXX/XXXX for {$29.00} -- XXXX/XXXX/XXXX for $ XXXX for {$29.00} -- XXXX/XXXX/XXXX for {$29.00} -- XXXX/XXXX/XXXX for {$39.00} -- XXXX/XXXX/XXXX for {$29.00} -- XXXX/XXXX/XXXX for {$29.00} -- XXXX/XXXX/XXXX for $ 39.00But NONE of these dates were reported to Experian. 
XXXX XXXX reported never late. 
By deleting the early late payments, XXXX XXXX could continue to report to credit bureau past the 7 year statute of limitations from XXXX delinquency date.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-30 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian will not allow me access to my dispute despite sending me emails to review, in an attempted subterfuge to prevent me from accessing my report. They continue to play these games and that 's why they are on the top complaints list. I told them to remove the XXXX inquiry as stated in the letter. Addiktnst the XXXX inquiry they also inserted XXXX XXXX inquiry that had been deleted. This is FCRA FACTA CCPA violations

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-29 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: IN

Complaint narrative:
I attempted to obtain my free annual credit report from XXXX. I was able to get my report from XXXX and XXXX, but Experian would not allow me. When I was directed to their site from XXXX, I was asked to confirm the last XXXX digits of my SSN. I did that, but when it progressed to the next page it simply said " We were unable to honor your request. '' No other questions were asked. I was instructed to mail in my request using a form letter, including a copy of my DL and SSN. It 's frustrating to be denied when I was n't asked any additional verification information. XXXX and XXXX asked specific credit questions, but Experian did not attempt to confirm anything. Now I have to send a letter and wait for a response. Based on this experience, I 'm not even sure that I would receive it after I sent my personal information through the mail. At the very least, Experian should be required to inform consumers of why they were " unable to honor your request '' when the consumer receives a denial for their free annual 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 2015-11-16 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian keeps wrong information on my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21 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 really need help. Experian has posted fraudulent accounts on my credit report and they 're refusing to delete it. I 've contacted the local police department and reported the incident to them. They gave me an identity theft report and I submitted it to Experian. Experian did n't remove the accounts or the fraudulent addresses. I am at my wits end and I do n't know what to do. How can thief open accounts in my name and I am still held liable for this? I need the government to step in and do something about this. The accounts are XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-19 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XX/XX/XXXX I filed a request for an investigation about XXXX XXXX reported an incorrect balance on my credit report. They stated that I owe {$1500.00}. This is incorrect. I only owe just over {$1100.00}. They took me to Magistrate XXXX XXXX 's office, and he lowered it. 
I sent Experian a copy of the original paperwork from XXXX stating the {$1500.00}, and the Magistrates ruling of just over {$1100.00}. They stated that there was nothing incorrect. I sent proof and requested that it be removed from my credit because it was incorrect. It was not done. The original debt is from XXXX XXXX XXXX, XXXX XXXX is a third party who purchased the debt from XXXX XXXX XXXX. I can send supporting documents if they are needed.

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 2015-12-27 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: NY

Complaint narrative:
I WANT TO SEE HOW AND WHEN I ASKED FOR FREE CREDIT REPORTS FOR EACH AGENCY ON THE ANNUAL FREE CREIDT REPORT WEBSITE. I DO N'T BELIEVE I HAVE CONTACTED XXXX AND RECEIVED XXXX REPORTS WITHIN A YEAR 'S TIME. 

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX

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