BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-13
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have requested investigation several times via certified mail ( I have receipts ) regarding inaccurate intems that appear on my credit report. They have yet to provide me with ANY written documents proving how they verfied the accounts in question. I recently received a response from them stating that they would not provide me with, correct or remove items that they have not actually verified as accurate according to the law. Specifically, the company XXXX. Information the my credit report is showing that the account is in Bankruptcy ( Filed Chapter XXXX Bankruptcy on XXXX XXXX, 2016. ) Please see attached documents. This is currently showing as a negative account on my credit report. 

There are also several XXXX XXXX accounts that I disputed as well as XXXX XXXX XXXX that have not be verfied at my request and are still appearing 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 2016-03-19
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX SS # XXXX XXXX XX/XX/XXXX XXXX IS DISPAYED INCORRTCY AND IT HAS BEEN OVER 30 DAYS AND STILL THE INORRET INO HAS NOT BEEN DELETD FROM MY CREIT REPORT. 

DRIVERS ID AND UTILITY BILL AND SS CARD IS ATTACHED DO NOT SAY YOU DO N'T HAVE MY ID

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 2016-08-31
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
My birth year is XX/XX/XXXX not XX/XX/XXXX The incorrect year is due to XXXX XXXX putting a XXXX bill in my name on XXXX XXXX XXXX XXXX In 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 2016-09-02
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Received notice of an account that was {$1800.00} and in collections. This account was for Cable and internet service XXXX XXXX at an address in XXXX XXXX. I moved to XXXX in XXXX XXXX to start a business and we have lived in XXXX since then. I never lived at the XXXX XXXX, XXXX, XXXX address where services were established. 
I had been a previous victim of credit fraud so I had a 7 year freeze ( XXXX military ) placed on my credit and this account was still opened without my knowledge or approval. Both the credit reporting agency and the service company tell me there is nothing they can do. This is a verified account. How is this so if I did not even live in the state at the same time and never gave permission. I called the police to get a police report and was told here in XXXX they can not do a report because it happened in XXXX. XXXX says they can not do a report over the phone. 
We are trying to buy a house and this is hurting our family. What can we do? 

Thank you for your attention,

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 2015-05-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I was trying to get my free credit report..but it came upon some security question, that none of those questions were related to me at all..How can i fix this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I 'm submitting a complaint against all XXXX bureaus ( individually ) due to the failure to investigate and process my disputes. I have notified them that the information that they are reporting on my file is not correct and I have yet to see more than XXXX updates in the past 5 months. This is absolutely ridiculous and they are a farce of a company just pulling in money for reporting inaccurate information. I require a full investigation and for the information that I have disputed with them to be processed, updated or removed within the 30 day time period or I will have no choice but to make a complaint with the Texas Attorney General as well as make a press release that details how they have failed to investigate my disputes.

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 2016-08-11
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Whenever I go on a website that lets me check my credit score, it says that they ca n't access my credit score. I 've tried XXXX and experian, but they said the same thing that they ca n't access my credit score. I type in all the information they ask for, but it still wo n't let me see my credit score.

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 2017-01-23
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have disputed with Experian and XXXX for an unverified and inaccurate account in regards to an account with XXXX. They both returned verified without proper verifying documents such as a signed contract, ID, SS card, or other concrete verification. They both completed their investigation but failed to see the inaccuracy and inconsistent information of what is being reporting. All XXXX bureaus are reporting different information. I mentioned this in a correspondence with XXXX and again they did not properly investigate. In compliance with the FCRA 623 ( a ) ( 8 ) ( D ) I am requesting accurate information be reported and both parties have failed. It is my understanding that Experian make money for reporting information and the lower my score the more they make. As long as they verified information and the accuracy of it, they can continue to report. Well I have proof that the information is inaccurate and also unverified. XXXX correspondence is contradicting what they are reporting. It also states they verified my identity through an email address and online application. I want my creditworthiness to be restored! They need to report accurate and consistent information. Also completely verify my identity before including this information on my report. Verifying my information with an email address, an online application, and billing statements are not verification. I have not received a thorough investigation from Experian or documents requested of verification. The documents I received from XXXX are clear that the delinquency dates are not accurate, the amounts paid and received are not accurate, and the identity verification is not accurate. Due to their failure to complete the investigation and report accurate information, I 'm requesting this to be deleted permanently from my file.

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 2016-10-04
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have disputed XXXX accounts with Experian for identity theft, I have submitted the same paperwork to each of these XXXX creditors as well. I have submitted an identity theft affidavit as well. Experian has not removed these XXXX accounts for XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX yet. They have investigated and just say that it was verified. This was identity theft so ever who did it gave my information, no one has ever produced any signatures that was needed to have the account opened either. This has been hurting my credit. My next step will be to pursue claims against XXXX and the XXXX creditors in court. I am trying to avoid that as I am 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 2015-08-07
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
A few months ago I requested my credit report from Experian. I got back this letter from them telling me that they received something that looked like fraud. I did n't get a chance to call them right away and I honestly thought it was some kind of mistake so I just went online and got my report from some website instead. 
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 2 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 30 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 with explanation
Consumer complaint received 2016-02-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I XXXX are requesting as of XXXX/XXXX/2016 a temporary credit freeze be place on my credit file at Equifax XXXX and XXXX and all other national credit reporting agency.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-09
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Every month I challenge NOT DISPUTE the reporting tactics of Experian and they keep avoiding my letters. They are breaking the law ( Section 609 ) of the FCRA. You will find attached a copy of new report that I received today. Experian is unwilling to provide proof that the accounts listed 1. XXXX and 2. XXXX. So here are the facts. I have been contacted by XXXX and they are telling me that this is an apartment lease with the name XXXX XXXX attached to it. This account is not in my name, I am not responsible for it but Experian is telling me that they have verified this account as being mine. THIS IS 100 % false and they are lying about this to just keep something negative on my credit report. I contacted XXXX and they refuse to send me the original signed contract so what does that say about this BOGUS! 2. All XXXX accounts XXXX in total I believe can not be verified by physical documentation. I have reached out to them and they do not have any original signed agreements from me. This is also a medical bill, and by the doctors office turning this information over to this ARS company they are in violation of HIPAA because no document was signed giving them permission to share any medical information with a 3rd party, this goes for me or any patient. ARS is unwilling or unable to provide sufficient physical proof with me that these accounts are mine much less that the account balances are accurate. Yet Experian says they have verified them and now say that they are pending. Sorry Experian but another bureau had these listed against me and removed them within 30 days because they could not verify the information to meet FCRA guidelines so how can you? You are breaking the law and you are should be held responsible for physical and mental anguish that you have caused me by having to file these complaints. I recently spoke to your rep on the phone and had to remove a Fraud Alert that you keep placing on my file to try to justify you breaking the law and when I asked her why this information was still on my credit she said the creditors are the ones that report this we just list it WHAT A JOKE. That is not what the law says. The FCRA section 609 specifically is fully meant to provide a guideline to what YOU do not the creditor. So why are you breaking the law? Why is it when I ask you to show me physical proof that what you are reporting is correct you can not or refuse not to do so? Experian is breaking the law we need JUSTICE to prevail here as i am sick and tired of having to file these complaints but because it is my right to do so I will continue to do so. The next step if this is not resolved is to call the CFPB and speak to them directly so that you can be put in your place per the law.

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 2015-09-20
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I was contact by XXXX XXXX and they said they were collecting a debt on an old account I told them I needed additional information and I was told it cost them more money to get account information but they have enough to proceed with further actions if I do not pay. They mentioned they seen I have cleared up all my past debts so that prompted them to contact me to clear the one they purchased. I have they kept asking me if I seen them on my credit report which I answered no but then said used it as a threat which they did add to my report. Once on my report I could see the name of the original creditor " XXXX XXXX XXXX '' The qualifications to join this union are to be a XXXX resident. I have never lived or know anyone who lives in those stated. I am not eligible to even have services from this credit union. This is clearly fraud and they are constantly acting as if they a re making changes to my report so they know my credit monitoring will alert me. I submitted a dispute to experian they did not change anything. They should have an application of some form with my address or how I am eligible to have a loan from this credit union. This is not a standard bank. That should have been an easy way to find out if this is a true debt of mine I am not sure what the review process is but I do n't believe it was looked into correctly. I communicated with XXXX there were several disconnections they told me the have a internet phone system. If I legitimately owe this I would pay but it seems far too sketchy and they seem to now how to pull of the disputes of experian they did n't even try to add to my other credit files. I am not trying to discredit anyone maybe they bout a bad debt with wrong file information. I tried to submit another dispute being more detailed about the fact I am not eligible for this credit union but they say they will not review the same dispute twice but I can put a comment on my file. If they do not look closely they are only adding to the problem.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
XXXX XXXX XXXX reported a late payment in XXXX 2013. I sent them proof of payment and they refused to remove the late. Sent the XXXX bank statement, showing payment, to Experian, they sent it to XXXX, and again they refused to remove the late. 
They should be fined, forced to correct, and punished.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I found that my information was combined with another person 's on my Experian credit report, so I contacted Experian and filed a dispute about the incorrect information. However, Experian refused to correct their mistakes : there 's still an adverse account that does n't belong to me and an address where I never lived at listed on my credit report. I never had that account, never lived at that address, and my XXXX credit report does n't have such nonsense. I 've contacted Experian XXXX times and wasted a lot of time because of this nonsense.

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 2015-05-21
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have a bankruptcy from 2005 that is no longer being reported by the XXXX XXXX XXXX XXXX DIST XXXX. I have been advised to dispute it with the bureaus to have it removed. I successfully was able to do so with all bureaus but Experian. I requested a physical copy of my report by mail. I called to get assistance from a CSR to initiate the dispute. I was told I could not dispute the information. I told him I 'd like to speak to a supervisor. I was put on hold then transferred to a voicemail. I left a message. I got a call the following day from XXXX on XXXX XXXX, her supervisor is XXXX. She could not give any other information to contact her again. She also denied me my right to dispute the information saying it will say for ten years. I told her the information is no longer accurate as the court is no longer reporting it. She refused to dispute it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
on XXXX/XXXX/16, I went online to receive my free credit reports from XXXX. **I was able to obtain reports from both XXXX and XXXX and after printing the XXXX report, the System kicked me out for *Security Reasons* as it stated. I was not able to retrieve information on Experian. Then when I logged back onto the website, it indicated I had received credit reports from each when in fact I was n't able to access Experian. I 'm asking to be granted access to Experian or receive a Report to my address.In reviewing the report, I discovered a FRAUDULENT Account from the XXXX XXXX. I wanted to lodge a dispute with XXXX to have this removed. Thus, I wanted to review Experian to determine if it was displayed on their site. The XXXX had no reference to this account though. **Someone assumed my identity and Opened this Fraudulent account and I was just made aware this existed as no mail was ever sent to my address. **Thank you for your Assistance. Not sure if these are going through. Have n't received any response on previous Complaint.

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 2021-03-11
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Company did'nt valadate debt or show method of verification on inaccurate accounts on my credit report. I sent out multiple disputes for months

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 2016-10-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Due to the fact that my situation is not properly available on this site as a choice to select above I have been violated by XXXX XXXX XXXX XXXX XXXX. Also, by Experian Credit Reporting Agency and XXXX XXXX XXXX does n't have the rights to collect debt in the State of Texas? They are not abiding by the Law accordingly to the State of Texas and they was suppose to remove themselves from my credit report by sending a letter stating to the Credit Reporting Agencies that they need to be removed. Now that I have made Experian aware of this they have not done an accurate investigation on XXXX XXXX XXXX. So, I called XXXX XXXX for the Secretary of State Texas Debt Collections Division and found out that XXXX XXXX XXXX is breaking : " Texas Finance Code section 392.101 which prohibits a third-part or credit bureau from engaging in debt collection in Texas unless the third party debt collector has obtain a surety bond and file a copy of the bond with the Office of the Secretary of State. '' I am in need of another Investigation to remove them from my credit report please.

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 2015-04-22
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX XXXX XXXX. XXXX XXXX PA XXXX Is reporting a personal line of credit which had no balance and was paid in full as included in Bankruptcy. 
The same with a auto loan and mortgage. These accounts were not discharged in my Bankruptcy. The bankruptcy judge and attorney was aware these items were to continue to be paid as agree never late. All three credit bureaus are reporting this information inaccurately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation