vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My Experian credit report is reporting a Public Record Information that is inaccurate in its filing. As XXXX and XXXX determined the term " Dismissed '' means that it is adjudicated by the law it was removed. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the XXXX The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court or XXXX or XXXX has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

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 2015-10-09 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I purchased XXXX iPhone 6plus in full payment of {$940.00}. They are charging me an extra {$530.00} for monthly fees when the phone has already been paid for in the full amount. As I refuse to pay extra they put it into collection which is now on my credit report. After speaking with a sprint representative they noted that the phone has been paid in full and for me to notify they financial department of the error that has been made on their behalf, but they refuse to take it off of my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There is a eviction notice in my record. I am placing a compliant about misinformation on my record that the eviction should have been removed. I have attached documents on the case where the records indicate that the case has been dismissed and should have never been in my record. Please contact me as soon as possible. I 'm in the middle of relocating to a new home however this issue is with holding me from proceeding.

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 2016-02-17 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello, I am not certain this complaint is being posted in the correct area, but this is the closest area I could find related to my complaint. My complaint concerns the credit score reductions for no legitimate reason.Let me start by saying, I am not understanding why my credit score declines if someone simply inquires as to what it is. If my credit score is XXXX and someone runs my credit to see if I qualify for credit with them, it brings my score down XXXX points. Which now means my score is XXXX. This seems so unfair to me. A credit score should be diminished for failure to pay, slow payment, or bankruptcy. A credit score should not be decreased because someone inquires as to what it is. Example : : I decide to purchase a home, they run my credit, it is XXXX, borderline fair and poor. That lender is not meeting my needs and I decide to change lenders, and the new lender runs my credit and it has gone down XXXX points to XXXX which is now reflect the score as poor, which now means I ca n't get a house at all because my score has to be at least XXXX. I have not done anything wrong to cause this. I have not failed to pay anyone, or been delinquent with any payments. It 's as though you 're taking away my right to change my mind, and destroying my chance at home ownership just because of a credit inquiry. It does not seem to me that the services are making any money when a business inquires as to what your score is. If that is not correct, please enlighten me. This is a matter that needs some serious revamping, not later but as soon as possible. It is unfair to all consumers, whether the credit score is XXXX or XXXX. 
I will be sending this request for change to you every day until my voice is heard and also looking for other sources to voice my complaint to in the meantime. 


Thank you,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-26 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:
The Consumer Financial Protection Bureau 's actions and response to my ongoing complaint, in regards to Case Number XXXX is deliberately confusing and false. You claimed both Experian and XXXX at XXXX, GA XXXX could not be found and my problem of having a fake debt on my credit report is not one known to you. False. In fact, Experian is a publicly traded company ( EXPN on the New York Stock Exchange ) that harvests and sells credit information globally. Additionally, Experian is one of XXXX credit bureaus whose complaints by others they have bullied, harmed, harassed and refused to respond to can be reviewed by consumers. Their violations of the Fair Debt Collections Practices Act and the Fair Credit Reporting Act are in the thousands, and the Consumer Financial Protection Bureau has turned a blind eye to their abuses. 
Your denial of their abuse of power, abuse of the credit financial system and wanton disregard for all consumers including me is reprehensible. We know these companies are cheating and abusing customers with your consent, daily. We are very aware of this. We are also aware that your benign neglect and purposeful refusal to perform your fiduciary and lawful duties, by falsely claiming that you have no idea what Experian and XXXX are doing by placing false debts with no contracts, proof, evidence, validation ( either written or otherwise ) with your permission. The CFPB has failed and refused to force them to remove the fake debt from my credit report for more than 1 1/2 years. They are committing a fraud with your blessing and expressed permission, because the Consumer Financial Protection Bureau does not protect consumers. You have separate rules for companies and consumers, by stated today XX/XX/2016 in your email to this consumer, " ... we can not help you because we do n't have an address for these companies. '' Experian can be found on XXXX, XXXX, XXXX. 
Although we have no past due debts, it does not matter. Experian and XXXX have kept a false debt on my credit for years, and you condone it with your crooked policies. This helps no consumers, but it serves to protect companies like these two that act continuously in bad faith, steal consumers ' ability to do business and obtain loans, and continue to be a threat to every citizens ' life and livelihood. You do not look for problems facing consumers or enforce Federal Consumer financial laws. That is not what you do. You submit emails to protect predator companies like the two listed in this complaint, in the form of a scripted email that does not address a problem ( created on XXXX 2016 by a computer, not a human being ). Federal and state employees never work on XXXX and this attempt to ignore me, and cheat me further has been duly noted.

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 2015-12-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have inquiries on my credit that do not belong to me and I have disputed these multiple times with the credit bureaus ( XXXX, Experian, XXXX ). I submitted a police report, FTC report and letter 3 times and they refuse to remove these in violation of section 605B. Under this section, all disputed account must be blocked within 4 business days and require a full investigation. I have never disputed these inquiries before ; therefore, they can not be considered frivolous. This is my last resort before I send an intent to sue. I am a victim of identity theft and these inquiries are the result of someone else using my information. 
Here is a list of the Companies and dates of the inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EX XXXX/XXXX/XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-24 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, XXXX, XXXX XXXX Experian XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX SS # XXXX DOB : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear Sir or Madam : I am a victim of identity theft. I am writing to request that you block the following fraudulent information in my file. This information does not relate to any transaction that I have made. 
XXXX ACC # XXXX XX/XX/XXXX XX/XX/XXXX {$50.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX The items listed are fraudulent items I am requesting that they are deleted /blocked by name of source A CRA must block the fraudulent information the victim has identified within four business days after accepting 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 Enclosed is a copy of the law enforcement report regarding my identity theft Please let me know if you need any other information from me to block this information on my credit report. 

Sincerely, XXXX XXXX SS # XXXX DOB : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am doing XXXX complaints to each bureau because I have disputed many times the account XXXX XXXX. This account from years ago is not mine and all I ask is for it to be deleted off of my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-15 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:
The information on my credit report does not belong to me. The name, date of birth do not match mine. The false information has been affecting my life as a college stundent. I canoot get student loans, car, credit cards, or even rent an apartment due to the false information on the 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 2016-06-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Over the course of the last 18 months I have been trying to obtain a mortgage. I have not been able to get approved because there are items being listed as " Dispute '' in several different areas on my credit report with Experian. I have never disputed an item in my life. I have spoken to them on several occasions directly requesting that all dispute verbage be removed. The underwriting system of mortgage companies are rejecting my report based on any dispute items being listed. They have told me they have updated it on several occasions yet it still remains listed. It is listed in all areas including : the status, statement, and comment sections of my report. I have been hung up on by representatives with Experian trying to get this correct. It is preventing my family from moving into a home more suitable to our needs.

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 2016-10-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian is reporting Collection accounts from XXXX ( a Debt buying company ) These accounts are from a XXXX hospital I have never been. 
Also the COLLECTION ACCOUNT values are at XXXX balance. It is unlawful to report a collection that has no value

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 2016-10-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This complaint is not an acknowledgement of the debt, and is not an indication that payment will be made. The goal of this complaint is to bring forth a FCRA violation by XXXX, Experian, XXXX, XXXX ( original creditor ) and XXXX ( or XXXX ; collection agency ). 
I currently have a {$6400.00} collection from XXXX XXXX ( aka XXXX ) illegally appearing on my credit reports. The Original Creditor of this account is XXXX. Upon reviewing my ENTIRE statement history from XXXX ( attached ) it is clear that the date of first delinquency of this account is on or before XXXX XXXX. By the XXXX XXXX report, the available credit limit was {$0.00} - in other words, my credit had been REVOKED, as the account was in serious delinquency. This date explains why the XXXX tradeline does not appear in any of my credit reports. However, the XXXX XXXX tradeline appears since it misrepresents the date of first delinquency. Based on the date of first delinquency of XXXX XXXX, the tradeline should appear on my credit reports until XXXX XXXX. I am writing to request that the credit bureaus ( XXXX, XXXX and Experian ) immediately delete this tradeline. I am also writing to request XXXX ( as required by law ; and as the original creditor ) to instruct the credit unions and XXXX XXXX to stop reporting this tradeline. I am also writing to require XXXX XXXX to immediately stop reporting this tradeline.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
there are many inquires from each of my credit reports that are not mine XXXX XXXX XXXX XXXX XXXX 2 times XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX card service the XXXX XXXX card XXXX XXXX XXXX XXXX XXXX XXXX 3 times XXXX 2 times XXXX XXXX services XXXX XXXX card XXXX XXXX XXXX XXXX I have sent certified letters to all three credit bureaus and they have ignored my request to remove this information that is not mine. If this continues I will take them to small claims court for removal of this incorrect information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Guglielmo and Associates
State: NV

Complaint narrative:
There are multiple violations of the FACT, FDCPA, and NFDCS. Has not validated despite multiple requests other than stating that Defendant owes the debt. Refuses to provide any information on account or any type of indication that Defendant opened the account or show any evidence that the account is his. Did not notify Defendant of their right to dispute lawsuit. Did not give a " 30 day '' notice to dispute. Harassment and abuse of constant phone call and mailings despite request for validation and dispute of debt. Threatening that not settling the debt can result in " tax consequences '' and threatening to take money they are not entitled to take. Misleading and false representations ; legal documents are sent in plain envelopes or boxes written in sharpie marker. Legal docs have no dates, no dept # and are not stamped " FILED '' or have clerk names or any identifying stamp on them from the court. This makes docs look " less important '' and " fake ''. Also sending collection notices on legal type paper that resembles a legal document. Envelopes also do not indicate the law firm or from a lawyer. This is an attempt to deceive the Defendant into thinking they are not legal documents and thus, not respond to win a quick judgment. Initial court summons was not served properly. It was left with a child of 13 years of age at the residence. When the door was answered, the server threw the papers in the door onto the floor and walked off without saying anything. Further demands and threatening behavior. 
This law office is known for these tactics and has multiple offense and rulings against them. They are a collection agency, but pretend they are not. 
Please see case # XXXX in ( Nevada ) XXXX Justice Court.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Experian credit bureau has been putting false information on my credit report for over ten years. my attorney and I worked with their XXXX XXXX in XXXX Texas who works in the special services branch to correct these problems recently I was notified that my mortgage VA refi was denied due to alleged fraudulent reporting by experian to the lender. 
these false reports included showing false hard credit inquiries where experian double counts credit applications for the same car purchase on the same date as XXXX inquires when XXXX if from the dealer and XXXX from the credit union on XXXX XXXX, 2014. 
second they show fraudulent hard credit inquiries from equifax credit bureau that is being done by other companies that i have never applied for credit and experian is doing the same thing. 
3. the show too high balances on accounts yet their same report shows my credit utilization as being less than XXXX percent.. 

4. level of deliiquency on accounts when there is no delinguency. I notified experian of my dispute with wyndham resorts and diamond resorts for timeshare loan fraud and breach of contract. these were XXXX to IRS long ago and my property was confiscated by both companies in excess of {$200000.00}. 
5. they report length of time too short yet I have had my XXXX bank credit card for 13 years and never missed a payment. experiena reports only 7 years which is totally false. 

6. credit balances to high but that is n ot true either. .this has been going on for over a decade and is violating my rights under the FCRA XXXX allegedly to keep me in the subprime mortgage mortgaeg with a substandard credit score using falsified information. 

7. maintaining credit history for decades or years that should be removed or drop off my credit file. 
8 removal of my statement placed in my file that I am a XXXX veteran from the XXXX XXXX. 
9. reinsertion of data removed years ago that has been reinserted and maintaining lender inquiries from companies I have never done business with or credit applications with.

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 2016-10-06 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I have asked Experian to remove hard inquiries on my credit report that I did not authorize or have business with. Experian replied that they were verified. The following requests for hard inquiries were not authorized by me and I would like them removed. XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX fund. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX 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 2015-08-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I 'm having some major issues with an outdated, past the statue from the XXXX and unverifiable account listed on my credit file. The accounts XXXX # XXXX - Outdated and no XXXX # XXXX Outdated and no XXXX # XXXX Outdated and no verificationCredit Protection # XXXX - Not even mine I have current service with XXXX and my account is always paid as agreed or they would cancel service

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