vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In XX/XX/XXXX, my Experian credit report indicated that my last late payment was 18 months ago ( XX/XX/XXXX ) and that I had " XXXX '' late payment. Inexplicably, my Experian credit score dropped XXXX points in XXXX and the report indicated that I had " XXXX '' late payments with the last being 19 months ago. XXXX late payments newer than 19 months ago made no sense. As, I knew that I had no late payments and if I did, they should appear on my credit report. I spoke with Experian XXXX representatives who stated, they could n't see " anything to dispute '' on my reports as there were no " new '' late payments added since XX/XX/XXXX!! I asked them what could be done to correct the inaccuracy and they said " nothing '' as they could n't identify anything to dispute. They refused to resolve the issue and indicated there was no way to repair my credit score.Nor could they provide an alternative explanation to the precipitous drop in my score! 
this to me appears to be a gross error and negligence on their part.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-13 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:
I have enclosed the documentation of my claim that erroneous items are being listed on my credit report due to these private student loans. Attached are all the supporting documents. I simply want the items, including any hard credit inquires from potential creditors that were denied, ALL removed and deleted from my credit report as they are not factual. This issue has directly impacted my ability to obtain personal lines of credit since XXXX of 2014. 

Enclosed is the official response from XXXX including the original promissory note stating only XXXX ( XXXX ) loans from their offices were ever issued with direct contact information. These private student loans were then bounced around between XXXX ( XXXX ), XXXX ( XXXX ), and XXXX. All of these items are listed on my credit report as multiple separate loans when they are NOT separate loans but the same XXXX ( XXXX ) original loans transferred from the lender to vendor, to collection agency. 
Executive Office XXXX XXXX, NY XXXX ATTN : XXXX XXXX Phone : XXXX extention XXXX Both of the private student loans were originally from XXXX. These loans now appear as multiple negative items listed as XXXX, XXXX, XXXX, or XXXX. NONE of these items should not even appear on my credit report as negative items. Per the court ruling this debt was dismissed without prejudice and can not be collected on, nor should it even appear on my credit report as it is not a debt. 
Magisterial District Court : XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone : XXXX Docket Number : XXXX XXXX XXXX, PA XXXX Phone : XXXX Case Number : XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-05 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: Marlette Funding, LLC
State: LA

Complaint narrative:
I received a loan offer from Best Egg ... I was only interested due to the No origination fee offer ... I completed the application process and then noticed the disclosure of a XXXX charge for a origination fee..I called the XXXX service center in XXXX XXXX and was told..sorry we cant help you ... I then spoke to the supervisor on duty who offered no explanation. I feel that this is very deceptive.practice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 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:
Please be aware, that your question : [ " Have you disputed the issue with the credit reporting company and received a final response? ] [ Yes ] [ No ] is flawed, in the fact that I HAVE disputed the issue with the credit reporting agency, but they HAVE NOT, provided a final response in over 42 days, therefore it is not possible to select a proper answer on your form. Please continue below ... 
XXXX XX/XX/2016 I logged into my XXXX account and discovered an inquiry on my credit report that was not authorized by me. The date is from more than a year ago. After doing some research, I discovered that this inquiry is from XXXX, and I found out that many many other consumers were also reporting this same unauthorized activity and there are endless articles found all over the internet regarding it. 

I immediately filed a dispute online with Experian on XX/XX/XXXX. On XX/XX/XXXX, I received ONE computer generated Email from Experian claiming that the investigation is still ongoing and should be completed by XX/XX/XXXX. Well, Today is now XX/XX/XXXX and there has been no resolution, no further contact, and absolutely no way to contact Experian other than by writing an old fashion letter and paying the postal guy to deliver it. Nonsense. 

There is plenty of public evidence circulating around that proves that this is an unauthorized XXXX inquiry. Experian has still NOT removed it, nor even bothered to do their job and follow up with the results of the investigation. I am not on my home computer at the submission of this complaint, and can provide further documentation upon request.

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 2015-07-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I contacted Experian credit bureau in writing. In my letter, I requested for Experian to release to me the furnisher who has reported a judgment against me. Prior to contacting Experian, I had contacted the court house listed on my Experian credit report and they could not find or verify anything under my name. I just want Experian to tell me where they are getting this information from so I know what my next step will be to getting this false item removed from my Experian credit report.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-22 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
We were scammed into purchase of Time share sold by XXXX XXXX of New York XXXX. We paid about $ XXXX in down payment, mortgage and maintenance fees. The NY attorney General Office came to know about the illegal practices employed by XXXX XXXX for selling Timeshare to hundreds of thousands of people and then the Attorney General Office started investigation against XXXX XXXX and have Barred them form selling and purchasing back the Timeshare units that were sold under fraudulent contracts. Attached please find documents that support our complaint against XXXX XXXX. After learning about the investigation by the New York Attorney General office we contacted XXXX XXXX and they stopped send bills to us and then after a year all of a sudden we are getting bills for past dues and late fees charges. XXXX have now listed us with XXXX XXXX XXXX XXXX Bank as delinquent past or present credit obligations as such we were denied the loan for lease of a car. Furthermore the reporting agency that provided report to XXXX XXXX is EXPERIAN, Experian XXXX, XXXX XXXX 2002, XXXX, TX XXXX, XXXX. We approached Federal Reserve, Consumer Help Center for our Credit Protection and they referred us to your Agency for filing the complaint against XXXX XXXX XXXX XXXX for misleading financial institution about our credit standings. 
We are asking to remove our names from the list of consumers that are delinquent in payments to any financial institution so that we can protect our credit standings. We have never missed any payment to any institution that we have dealt with in our entire life.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: ND

Complaint narrative:
I previously disputed the following addresses that do n't belong to me, but still is listed on my Experian credit report. The following addresses do n't belong to me : XXXX XXXX XXXX # XXXX, XXXX XXXX, MN XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX, XXXX XXXX XXXX, XXXX XXXX, MN 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 2016-05-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
all XXXX burs are still reporting items over 7 yrs, XXXX reported to your agency that the item in question was remove and was reported to all XXXX burs that the item was paid XXXX which the banks used still have a item XXXX. when this was paid

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 2016-07-29 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I just got a credit report from all XXXX credit reportsXXXX, experian and XXXX and my credit score went from XXXX to XXXX, all XXXX companies are telling me is because i was late on XXXX mortgage payment past 30 days with XXXX, which is inaccurate, i have never missed a payment, with my current mortgage or past ones, they also telling me i have XXXX credit cards, i do not believe i have applied for that many credit cards, that is not accurate i only have XXXX personal loan XXXX credit cards and XXXX mortgage, i dont know where they getting XXXX cards from. All XXXX credit bureaus are telling i have made a lot of hard inquiries, which i have not. Can you please investigate this matter, i have work with the XXXX for 13 years and i 'm also a veteran and i work very hard to get my credit up that high to 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 2015-10-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is on all XXXX credit bureaus. On XXXX XXXX I traded in a XXXX for a XXXX. Some reports have that I have XXXX car loans, I have XXXX. Under each of the reports inquires they have listed XXXX XXXX XX/XX/XXXX14- XXXX XXXX XXXX XX/XX/XXXX/14- XXXX XX/XX/XXXX/14-XXXX XX/XX/XXXX/14-all XXXX XX/XX/XXXX/14XXXX XXXX XXXX/XXXX/14 Where I purchased the car XXXX XXXX/XXXX/14 Which is my loan company XXXX XXXX/XXXX/14 It is my understanding that there should only be XXXX loan inquiry for this purchase. This greatly effects my credit and my score

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
The following incorrect names and addresses are on my credit report. 

Misspelled/Incorrect names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Misspelled/Incorrect addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX ( not my address ) XXXX XXXX XXXX XXXX AL XXXX ( not my address ) XXXX XXXX XXXX XXXX AL XXXX ( missing apartment number )

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 2016-05-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX has been completely paid in full for months. Originally I tried to pay this debt through XXXX and was denied the opportunity and was forced to go through the collection agency which I did not want to do due to miscommunication. I paid off the FULL balance in order to receive a deletion from my credit report. XXXX XXXX and XXXX both have not taken the necessary steps to remove this account from my XXXX, Experian, and XXXX credit reports and it is just unbelievable especially when I tried to pay the original creditor directly and was told I could n't! Now my balance is reporting incorrectly on some of my credit reports it says paid in full and on others it says " settled '' which I never settled I paid the FULL balance. This account needs to be deleted from all XXXX of my credit reports as agreed especially seeing as I dont owe them anything. That negative account is severely affecting my way of life at the moment and I need to see it gone. I keep requesting that the credit bureaus contact XXXX which they did and they even have sent me MULTIPLE statements saying my account was paid in full so I even have documentation. Please remove from my credit reports. I want to believe that XXXX is a good enough company to do this for 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 2016-05-11 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:
In XXXX I requested my XXXX free reports, and was told my info did n't match, so I would have to request them by filling out a form. I did this, and XXXX of the bureaus sent my free report, but Experian responded that they could not identify me, and that I should send them a copy of my state ID card and my Social Security card, which I did in XXXX 2016, but I never received my report from Experian, nor any response at all after I sent them the requested documents. I tried calling their customer service number, but wading through their phone tree does n't get me to speak to a live person, so I have no idea what to do. I really need the report, because I believe it is incorrectly showing a student loan as unpaid.

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 2017-02-27 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I would like to know how does the credit bureau maintain your credit score. I paid off several credit cards last month and I see that the accounts are showing paid in full on my report. However, my credit score is extremely low and I recently tried to refinance my car and was given a higher than usual interest rate, which should have been the reverse since I paid off the majority of my loans and credit cards. I need to know how do the bureaus keep reporting low credit scores when it 's obvious the debts are paid. I have no collections, no judgements and few inquiries. I once read that credit bureaus make more money when people have low credit scores. If this is such, then the whole fair credit reporting act should be thrown out the window when Credit Bureaus are allowed to report inaccurate scores.

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 2015-04-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I retired from the XXXX. Postal Service and received XXXX pensions. The problem I ran into is I could not set up my online Social Security Account. I called Social Security and they investigated and found out because they use Experian data base to match addresses up to match me is why I could not sign in. My address with Social Security on file is XXXX. They told me to contact Experian to add my XXXX address to my profile. I contacted Experian and explained to them I need my XXXX address to be added to my credit report so I can go on line to set up my Social Security account. They said they can not add a XXXX address to my profile. I asked them why and they could not give me an answer. Social Security said I should not have a problem adding my XXXX address to my credit report. This is my address Social Security has on file ; PH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. I lived part time in XXXX and XXXX. Please help me with this situation ... Thank You!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
All XXXX credit reporting companies simply used the bogus information sent from the reporting companies as verification despite different social security numbers, addresses, and date of births. The " investigation '' process requires little to almost no proof that the actual person affected is the actual owner of the items in question. Simply providing the credit reporting agency a name and maybe an application should not be enough to continue reporting the information. Additionally, once police reports and affidavits are submitted to refute those claims, the credit reporting agencies still refuses to remove items that are not yours. Example : I am a teacher who makes {$38000.00} per year. Yet there are XXXX vehicles that were financed under my name within a 3 month period in the year 2014. XXXX were brand new cars and XXXX used. That should have thrown up red flags. Also there were over XXXX addresses and XXXX variations of my social security number used. The credit reporting agencies seem clueless as to the identity theft crimes that are sweeping this country.

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 2016-09-21 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/XXXX Oil And National Credit Cards XXXX XXXX/XXXX/XXXX Medical And Health XXXX XXXX/XXXX/XXXX Oil And National Credit Cards XXXX XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX XXXX/XXXX/XXXX Banking XXXX XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX NA XXXX/XXXX/XXXX Banking XXXX XXXX XXXX XXXX/XXXX/XXXX Medical And Health XXXX XXXX XXXX/XXXX/XXXX Banking XXXX XXXX XXXX XXXX/XXXX/XXXX Oil And National Credit Cards XXXX XXXX NA XXXX/XXXX/XXXX Banking XXXX XXXX/XXXX/XXXX Oil And National Credit Cards XXXX XXXX XXXX/XXXX/XXXX Banking XXXX XXXX XXXX/XXXX/XXXX Oil And National Credit Cards XXXX XXXX XXXX/XXXX/XXXX Banking

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 2016-10-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I received my credit file months ago and I found that there is a judgment in Public Records that has been reporting for many years in my Experian file I have no knowledge why or who is reporting against me. I have contacted each or the XXXX Credit Bureau and disputed it and requested that it be investigated on ( XXXX XXXX separate occasions but I have not been able to get a response. I am now in the process of purchasing my home and require that it is removed from my credit history. I I know nothing of this account and require verification including all information used by this party to determine that it belongs 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 non-monetary relief
Consumer complaint received 2015-04-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I defaulted on XXXX creditors. I hired XXXX Debt relief XXXX to settle. They provided documents that state my settlements. Experian did not properly record those changes. XXXX bank still lists me as a charge off of {$5200.00} when {$5100.00} was paid. I have court documents that state their representing attorney XXXX XXXX XXXX, XXXX. dropped their XXXX on XXXX XXXX. XXXX, XXXX XXXX bank was paid {$1700.00} XXXX. I owed {$4300.00} not {$8600.00}? Lastly, I received a XXXX from XXXX in the amount of {$16.00}, but my most recent report dated XXXX XXXX states {$19000.00}? Why did n't Experian do a thorough job? I gave them documents. I contacted XXXX and they said they would furnish cashed checks for additional proof if needed. 
I would like an explanation as to the discrepancies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
A credit card account ( I am co-signer ) was charged off XX/XX/2014 ( Main person on card claimed BK ) Experian ( only ) continues to report this as open and 120 or 180 days late every month. The other XXXX are reporting accurately. The creditor says I have to take it up with Experian. I have disputed now 4 times with them in the last 3 years. I am exhausted and do not know what else to do. I have wanted to purchase a home two years ago an still can not because of what they are reporting.

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