vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Several disputes have been file with Experian but they continue to show inaccurate information. They show Wage Earner plan with XXXX XXXX XXXX and XXXX XXXX. I sent documents showing the hose sold and they continue to report information that is not accurate. I have a Chapter XXXX voluntary dismissal. I won a XXXX case and withdrew the filing. they hire a third party document researcher who sans documents and eliminates the facts. This is wrong and they refuse to correct the issue,

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 2015-08-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian refuses to allow me to dispute inaccurate information on my credit report. This is violating my right to dispute inaccurate information according to the Fair Credit Report Act. Any information regarding my credit report claims I can not dispute this because I already have!! Yet the information is inaccurate. My name is XXXX XXXX not XXXX XXXX, a XXXX bank account has inaccurate information : XXXX BANKAddress : XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX Account XXXX .... 


I have a right to dispute inaccurate information!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07 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:
Looking to sell my home and purchase a smaller XXXX, I worked with a realtor. My credit score came back low, a shock to me. Upon reviewing the report I found an account opened that was not mine. I reported an identity theft to all XXXX credit agencies, requested it be removed, to no avail. I submitted a police report which came back conclusive for identity theft. Officer stated I should contact all XXXX agencies and provide the proof she gave me and demand the account be removed. All but XXXX credit reporting agency accepted my dispute online. Experian refused to accept my information and wo n't answer calls. I have yet to have the account in question removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25 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: NY

Complaint narrative:
Incapable of issuing free annual report due to insufficient identification information. The identity information to process this specific transaction included copies of the requested social security card and drivers ID and also a valid employment pay stub. Need recertification to complete this transaction. Notification/correspondence does not specify the proofs needed. Thank You for your time.

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 2016-09-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I had an Auto Loan with XXXX XXXX that is paid off but showing a balance. I spoke with my Personal financial Consultant on this matter XXXX XXXX XXXX ask me to get a letter from XXXX XXXX showing the balance is " XXXX ''. I like to address the issue with you concerning Experian reporting tactics on my credit report. This is not a frivolous dispute and the word dispute needs to be removed off my credit report because this is a legitimate case and I will be providing the letter from XXXX XXXX. So, that Experian can change the balance owed to zero ( XXXX ) and take the word dispute off 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 2017-02-16 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My name is XXXX I am a victim of ID Theft AGAIN, I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report which are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as this date that you used to verify the accuracy of the accounts listed below. Under the FCRA, 15 U.S.C U.S.C section 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit file. Please do not respond to my request by saying that those accounts are verified. If you do not have documentation for those accounts are verified # XXXX, # XXXX, XXXX, XXXX, XXXX, XXXX, please delete them immediately as required under section 611 ( a ) ( 5 ) ( A ) ( I ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

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 2016-09-19 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
Report shows " Account in dispute '' and have had no update in six 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 2016-11-09 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:
I have repeatedly disputed these items with Experian since XXXX and they are just now starting to remove the items that do not belong to me. I have also been in touch with the agencies and XXXX and i am not in their system. Everyone is aware that these accounts do not belong to me, yet they are still remaining on my report. XXXX and Experian have removed these items off of my report yet Experian wo n't. I have lost all of the patience that I have. I have filed a lawsuit as of this morning against Experian for the full amount the law allows. From this moment on, I will let my attorneys do the talking. Not to mention that there are addresses on this report that do not belong to me that have never belonged to me and they refuse to remove those as well. I have attached my intent to sue notification that lists all of the accounts that have yet to be removed. This is causing harm to my family financially. I have already filed suit in court as of this morning. They are not operating with the law. They are clearly going against it. I have had enough and now they can speak to my attorney. They only can speak to me when they remove the items.

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 2016-10-12 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2016-08-22 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: FL

Complaint narrative:
I am a XXXX and use an electronic medical record ( EMR ) to prescribe medications. In order to prescribe electronically, our EMR verifies our identity through experian. I also have change my name ( I got XXXX ), and moved twice in the past two months.My name is complicated because I go by my first and middle names ( XXXX XXXX ). My legal name is First : XXXX Middle : XXXX XXXX Last : XXXX. I have changed all the proper information including ; my social security card, my prescribing licenses, my bank accounts, and student loans. I have not been able to get through to Experian. There is no human on the phone line only automated responses, none of which help me with my problem. I contacted XXXX successfully, and XXXX which reluctantly gave me a credit report. I have my credit report in front of me while filling out the verification for the EMR, however I am denied each time. I have contacted the EMR directly who insists that it is a problem with the credit bureaus. Whoever is to blame I have had an awful experience with Experian. I can not get through to anyone to ensure my name is correct. The other credit bureaus recommend me contacting all my creditors to change my name ( which I have ).

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 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I requested that the credit bureau provide me a physical copy of the original documents according to the Fair Credit Reporting Act section 609 a ( 1 ) A. They provided nothing only stating that the accounts were verified. Under this act the credit bureau 's must comply with federal law or they are in violation.

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 2017-02-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX Credit reporting companies have the correct information for the same event. 

Experian has incorrect information. I called them and they would not accept a dispute as they put XXXX of the blame on XXXX. Called XXXX. They said they never create verbage whatsoever and that the blame is 100 % on Experian. CatchXXXX. 
The matter concerns XXXX mortgages that were closed with the following statement which is listed correctly on all XXXX credit reporting companies : " Account legally paid in full of less than the full balance. '' The dispute is because EXPERIAN ( ONLY ) lists the following additional information in my FICO report under " What 's hurting your score? : 1. Serious Delinquency 2. Accounts Ever Late = 2 Critical Notes : 1. I was NEVER LATE on any account 2. I was NEVER DELINQUENT on any account I have the name and number of the high level supervisor at Experian if requested.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I try uploading documents on Experian website and it would not upload pdf files so I can remove a delinquency from child support that should not be on my credit report. I have a letterhead from child support asking them to remove this account from my credit report. I was told by child support this letterhead document from child support should remove this delinquency from my report right away. Experian is reporting account XXXX as a collection and also that I owe {$870.00}. This account is not in a collection account and I owe {$0.00}. I want Experian to remove this account right away base on the evidence I uploaded to this complaint and also fix their website so it can upload pdf files as they stated on Experian website dispute. Report 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 2015-06-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
The wrong phone numbers are listed. The only correct phone number is my cell phone number. There are XXXX social security numbers on my report that are not mine and I have only used my correct and original social security number. I never tried to obtain a car loan in 2014 and there are numerous other false statements. It is my belief that possibly my ex-wife of 20+ years and or my son or daughter, both of adult age may have used my personal information. I am trying very hard to get my credit in good standing and so far I am doing pretty good as I try to carry no credit card balance. Have always paid my rent on time. It is just demoralizing when you are trying so hard and see mistakes such as XXXX wrong social security numbers. XXXX Towns that I never lived in. That being XXXX, Ma. and XXXX, Ma. and possibly XXXX, Ma.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-07 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:
- I Got a copy of my Experian, XXXX and XXXX Credit Reports on XXXX/XXXX/16 - I Found an Unknown Fraudulent Collection Account with the Account Number XXXX being reported in all XXXX credit bureau. 

- I Sent Experian, XXXX and XXXX a Dispute Letter and request for validation on this unknown medical account on XXXX/XXXX/16 by USPS Priority Mail. 

- Experian received the Dispute Letter on XXXX/XXXX/16 as USPS Tracking # XXXX shows. 

- On XXXX/XXXX/16 both XXXX and XXXX deleted this Fraudulent Collection Account from my Credit Reports while Experian refused to properly investigate and delete and instead updated this account to a " PAID '' collection which has continued to damage my credit even more as their change to a paid collection being more recent lowered my scores, i am in the process of buying a house and this whole situation is preventing me from obtaining a mortgage. 

- Experian Fraudulent Verified this Unknown Collection account and Updated to a PAID COLLECTION on XXXX/XXXX/16, they claim to have verified the information in the record and identified the provider of the information as XXXX XXXX XXXX XXXX XXXX. 

- As of XXXX/XXXX/2016 I have never received any kind of contact from this XXXX XXXX XXXX XXXX XXXX - As of XXXX/XXXX/2016 Experian is still Fraudulently reporting this Collection in my Credit Report - I have attached proofs of this whole process - To Whom It May Concern Please be advised that I have request " Validation '' not Verification. They failed to provide me with verifiable information substantiating that this Unknown Fraudulent Collection Account Number XXXX is indeed accurate and did not do so within 30 days.This reporting is a clear violation of the Fair Credit Reporting Act. As a result, I have been gravely affected and my score is suffering. 

- Due to all of the above, I am requesting that this Unknown Fraudulent Collection Account XXXX be permanently removed from my Experian credit report immediately.

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 2017-03-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Experian has reported wrong information to 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 2015-10-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I am requesting that EXPERIAN immediately delete the address listed on my credit file as reported and previously listed on the EXPERIAN Credit File as : XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX. Address indentification number : XXXX, Geographical code : XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-01 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Qualify for a better loan than offered
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
These are regarding my XXXX recent loans with citizens bank in the beginning of XX/XX/2016. I was quoted that the loans were 2.86 % variable for XXXX separate loans. the first representative XXXX XXXX gave this quote I emailed the documents so that was much faster. However he decide to combined them when told not to. Which delay the process. Which seems to be common practice not only with Citizens Bank other lenders as well to trap borrowers if the loan defaults. XXXX XXXX the left a voice mail as well of financial information which is a serious violation. Then I talk with XXXX XXXX he stated that the were separate and I emailed them to him as well because of the delay. This is costing me money in the longer run. I also gave me work schedule so that I could deal with this in a timely manner so that Citizens Bank had no excuse in getting of a hold of me. I then asked for a supervisor I spoke with XXXX. He stated that he would look in the matter weeks went by no word. I was getting frustrated. It then went to the XXXX which is the board of something and stated she would look into the matter. She is purposely calling when she knows that I am at work and ca n't talk

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX # XXXX XXXX XXXX XXXX # Opened Date XXXX $ {$4500.00} XXXX # XXXX Inquired that is not mine XPXXXX B XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XP/XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX This address is not my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I never live there please removed The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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