vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Today I received a letter from Experian regarding an account reporting incorrectly on my credit report, however I do not agree with their method of collecting or furnishing consumer information. According to Experian the collections account for XXXX was validated however I did not receive anything showing how the account was in fact verified. When I requested validation from the collection agency I asked for HIPAA authorization as well as my signature for services rendered and I did not receive either. What I did receive was a letter with fees and personal medical information which was not actual validation of the account. I would like to see supporting documentation from XXXX as well as XXXX regarding this negative reporting account on my credit file. I would like to see a copy of what steps and documents Experian used to validate this account is in fact my account. This account is negatively affecting my credit report and credit worthiness. It is also making it hard to obtain legitimate credit.

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 2015-05-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Complaint : I purchased a XXXX XXXX Air Fryer from XXXX XXXX XXXX XXXX XXXX XXXX which is supported by XXXX Bank. After having made XXXX flex payments on the XXXX payment I paid the total balance off bringing my account balance to zero. I have not purchased any other items. 3 months later I received a call from XXXX Bank / XXXX who stated that my account was now in a delinquent status and that I now owed {$170.00} in past due payments. After being transferred to different departments who all stated that I owned {$170.00}, even though I had previously paid off the balance. In order to protect my credit score I paid what was told to me that I owed despite the fact that I had paid the entire balance and requested that my account be closed immediately. Unbeknown to me XXXX Bank had reported to all XXXX of the credit burrows that my account had been delinquent, which has adversely effected my credit score causing it to drop XXXX points. 
I have enlisted the assistance of a consumer credit repair company ( Cure My Score ) to send out letters disputing this on my behalf. When I received an unfavorable response from Experian, it was advised that I contact your agency as to correct this injustice. 
Both XXXX and XXXX have both cooperated however Experian continues to report this negative information on my credit report which continues to adversely affect my otherwise stellar credit history. I have recently received higher interest rates on purchases along with being denied credit due to Experian stance for not removing this 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 2016-07-26 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: SC

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 sections 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 matter as soon as possible. Thank Account Name- XXXX Account Number- XXXX Account Name XXXX XXXX Account Number- XXXX Account Name- XXXX 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 explanation
Consumer complaint received 2016-02-29 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:
While going through the process of a 8 year divorce, I had relinquished my home at XXXX XXXX XXXX XXXX, Ca to the mother of my children. Court documentation stated that she had full custody of my children ; additionally, I wasnt abreast of their activity, nor was I granted any visitations. I extended the business to continue the last contract up to XXXX upon which all funds received went directly to her to a bank account that I had know access to. I recently checked my credit and found that in XXXX, XXXX and XXXX several liens were placed on my credit unbeknownst to me. My address has been in XXXX XXXX for the past 6 years. The updated status of these liens have apparently been satisfied/released and this has caused more of a hardship upon me to function in todays economy. I have know knowledge what these were placed on my credit for, for I havent been in contact with her and I still have to go through her if I wish to speak to my now XXXX XXXX XXXX son. I feel that due to her knowing my personal information, that my name and information was used in of hers for whatever these liens are applied to. I need to see proof of my acknowledgement, signature, etc ... something showing that i was aware or responsible for any of 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 2016-10-30 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 am unable to access my Experian credit report online or initiate an investigation online. I subscribe to Experian 's credit monitoring service, however when ever I attempt to initiate an investigation and I enter my identifying information, a page appears that they are unable to honor my request and I must do it by mail. 

When I receive a paper copy of my report, I attempt to use the report number to view report again and I get the same message saying they are unable to honor my request. I can not initiate a dispute even after receiving the paper copy by mail. 

It appaears Experian has blocked my online access to my credit report 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 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: GA

Complaint narrative:
Had my credit report pulled and found information pertaining to a false XXXX report out of XXXX Never lived there nor visited the State. Please help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 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: MI

Complaint narrative:
I have filed complaints with Experian about getting my credit report and Score and fixing anything that is not right on my credit report. 
I want my credit report and score so that I can see what is on it. 
My credit report should not have any thing negative on it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I received a low credit score and did not understand why. I pulled my credit report and found that I my XXXX account had been sent to the credit reporting agencies. It was a bill for {$37.00} that I never received a bill for. I contacted XXXX at that time to find out why I had never received a bill. They replied that my account has a returned mail restriction on it and they could not send me any mail, this is why I have not received any mail from them. I do not know why that would have happened because I have never put any kind of restriction on my account, and I would never tell any creditor that they could not send me mail. As soon as I discovered that I had a outstanding bill out there I paid the bill and requested that they inform the credit agencies that it has been paid and to ask the credit agencies to remove it from my credit reports. They referred my to their legal department. I would like to dispute this action on the part of XXXX because I never received a bill and nobody from XXXX made an effort to contact me about the past due balance. I did not ask or request any kind of restriction to keep them from sending me a bill. I am sending the replies I received from XXXX acknowledging these facts

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 2017-01-20 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 requested validation of collections/ negative accounts on my credit report and I received what looks like a bill/statement. They did not properly validated these accounts and I request removal of these accounts from my credit report. These accounts are still on 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 explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I demand to see Verifiable Proof of the accounts Experian have on file. But Experian still not show me. Their failure to positively verify these accounts has hurt my ability to obtain credit.

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 2016-03-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
Experian is not responding to any of my requests to investigate, verify and remove the XXXX 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 2015-10-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I submitted over 2 months ago an original statement of Identity theft affidavit which was notarized, XXXX of the XXXX bureau 's refused to do anything without their being a police report submitted as well. Therefore I went and filed a police report and sent the FTC identity theft affidavit a XXXX time ( certified mail to all XXXX bureau 's ) XXXX made me fill out there own form claiming that they did n't accept the FTC affidavit, and it looks like they removed stuff from my credit report but did n't block it. Equifax has come to me requesting further proof of identity ( the exact same thing was in my both of my affidavit mailings a copy of my state issued ID and social security card, this is just stalling ) and XXXX sent me a letter that they have already verified ( thats right they " verified '' fraudulent information ) and wo n't investigate again unless I submit more evidence, as if the police report was n't enough! I called the FTC in XXXX and they told me with the police report all XXXX bureau 's should have removed the information by blocking and notified the companies within XXXX business days according to FCRA! therefore I am filing this dispute because I am tired of their XXXX, I hired an online credit attorney which got me nowhere, i worked with the FTC, it got me nowhere, I filed a police report, their run-around is absolutely criminal the way they are ruining my life rather than properly removing this information! The companies I contacted asked the information be removed themselves ( XXXX and XXXX ) because they noted it was fraudulent on their investigations, there is no reason at all the bureau 's should doubt my claim and it is a smack in the face that they claim to have verified it!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I saw " negative information '' re-inserted by XXXX which was preciously removed after a dispute. This happened after I caught them having opened an account under my name without my knowledge or consent. Since XXXX did not correct their mistake, I terminated all business with them. They most recently re-inserted a negative report. I tried initiating an online dispute with Experian, but they prevented me. My FICO score has since been lowered because of 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 2016-01-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Statebridge Company
State: RI

Complaint narrative:
State Bridge Company They service my mortgage. 

They rarely pay my taxes on time. 

I put calls into their office and I am told they will create a " ticket '' and get back to me. 

I am getting letters from the city tax collector. Again - I have called and they just say they will take my information and call me back.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-24 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 have disputed the following inquiries with Experian and have not received an acknowledgement about doing so. I 've called experian to see if they received it and they do not see my dispute for the following inquiries. The following inquiries were disputed using experian.comXXXX. 

Disputed Inquiries : XXXX XXXX - XXXX/XXXX/16 XXXX - XXXX/XXXX/16 XXXX XXXX - XXXX/XXXX/16 I did not authorize any of these inquiries to be run nor did they have permissible purpose. I 've called each company and they were not able to find any reason as to why they ran my credit. I asked about deletion with all XXXX companies and no one knew what process to take to resolve 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 2016-01-29 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have disputed the statement I put on my credit report that I have asked for this statement to be removed & Experian is telling they Will Not Remove my statement I put up Im demanding that the Whole Statement to be removed ASAP!! 
This is my right its my credit I can delete it I WANT MY CONSUMER STATEMENT REMOVED ASAP WHAT RIGHT DO THEY HAVE TO TELL ME I CANT REMOVE A STATEMENT I PUT UP.

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 2016-06-20 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian are not fully investigating accounts. There were doctor bill that was put on my credit in which I had no knowledge of. According to the FACTA section 623 ( a ) ( 7 ) it requires all creditors to collectors to notify you by mail. This did not happen. I ask Experian to provide me with the person 's name they verified the dispute with, the address, the telephone number and the documentation used to verify the dispute. They told me to contact the creditor which I did but no response. I wanted to find out if I can not get an response who are they verifying this information is valid.

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 2016-09-04 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:
I am filing this complaint because XXXX, Experian and XXXX 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 FCRA - they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this matter 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 2016-10-31 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have been working diligently to repair my own credit. My credit score was XXXX four weeks ago, now it 's XXXX, all of a sudden my score drops almost XXXX points for no reason at all. I have paid my credit cards in a timely fashion. I have brought my utilization to the right percentage, and my score is continually dropping every day for no reason at all. My husband and I share the shame credit cards, and his scores are constantly going down. All XXXX credit bureaus are reporting my score inaccurately. My utilization is XXXX % which is good. This is unethical, in what is going on with the XXXX credit bureaus. They inaccurately reporting my credit score and this is not fair. My score should n't have dropped almost XXXX points in four weeks if I 'm making sure my utilization is good, and payments are good and on time. If you could help me in any way that would be greatly appreciated. I 'm utilizing XXXX XXXX which I was told that XXXX owns this company, it 's a scheme to keep people looking like they have bad credit to make them suffer and not be able to get the help they need in society. They ought to be ashamed of themselves for being unethical with their approach. The scores on XXXX XXXX are updating daily and fluctuating up and down by a lot of points in which I do n't understand. This is unethical please see attached picture of 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 2016-10-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
i wrote to the CRA 'S that there were several bankruptcy cases on my report and that they were not accurate and should verified and removed, they responded with they have been verified i wrote back and asked the method of verification and who they corresponded with, they wrote back we have told you we verified the items and that i should contact the bankruptcy court for more info so i wrote to the court they replied with dear sir we DO NOT REPORT TO THE CREDIT BUREAU AND WE DO NOT SUPPLY social security numbers to any agency, i then wrote back to CRA and sent a copy of the letter and requested that they remove this info as it has not been verified XXXX removed it immediately XXXX AND EXPERIAN both replied we have verified thru a 3rd party who reports public records i wrote back explained to them that i was seeking a attorney to fight this further i explain to them that who ever is reporting to you i have a right to know who they are and that they should be on my report so i can address them properly if they are furnishing information furthermore i did not give them permission to give out my social security number XXXX need to know who they are what is the furnisher information they replied the NORTHERN DISTRICT BANKRUPTCY COURT so i went down to XXXX XXXX XXXX in XXXX Texas and went into court and spoke with a clerk asked if they were a customer of the CRA 'S she said no i also asked her if they verify information when the CRA 'S send those request she said sir we have ABSOLUTELY NO DEALINGS WETHER DIRECTLY OR IN DIRECTLY THE CRA 'S can pull info from companies like XXXX and get this information i bowed her my letter from CRA 'S said that they verified information with your office she said not true we do n't do that and we certainly are not violating any federal laws i will give you a copy of the same form we sent you i asked well can you call them to tell them this she said we ca n't do that and we DONT correspond with them Period here is your letter i then sent this to the CRA 'S for the 4 time and asked they remove this unverified information Experian called me and told me that they were re investigating the case 1 hour later they removed XXXX perfectly good accounts from my report i called and asked why they said they did n't come in under your social i said mam they are credit cards that belong to my father i am authorized user she said thats illegal you need to give me his name i will contact him i said mam you have his information she said he has to verify that he placed you on his cards then we will put you back on i said really even though its illegal she said she had to transfer me to a sup visor that never answered the phone i have did everything they have asked me to DO and they are still violating the law with no fear of any action being taken

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