vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have a XXXX XXXX XXXX XXXX XXXX reporting on my Experian Credit Report despite disputing via FACTA, additionally A FRAUDULENT and Police Reported XXXX XXXX Account is now reporting incorrectly on my credit report. I have gone to the Police Department and filed the applicable reports and forwarded to XXXX, Experian and XXXX, Experian is obstinate despite receiving the report in BLOCKING THE ACCOUNT! The account is FRAUD and reported to FTC, XXXX, XXXX and XXXX. It along with XXXX must be BLOCKED! PER FACTA DOES THIS CRA FOLLOW 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 explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
i am filing another complaint so I can resolve the issue on all XXXX major credit report companies. I would like to get this resolved on my Experian credit report. 

On my credit report, in the public record section it says I still owe XXXX dollars to a said cable company. I resolved this issue over a year ago. I left for XXXX military XXXX and my wife went and paid the said company. Yet I still owe, and it is causing damage to my credit score. I would like to get this resolved and off my credit report. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
i have a judgement on my credit report that i was unaware of from a credit card company ( XXXX ) in XXXX they tells me they could not find me so they went and put a judgement on me, how 's that posisible? also a foreclosure is showing on my report. all this somehow from the ( sale of my home in XXXX XXXX. ) the judgement in XX/XX/XXXX-the foreclosure in XXXX XXXX mind you i sold the house in XXXX XXXX and moved from XXXX to XXXX with fordwarding address with the post office. why could they have not been able to find me? ( XXXX ) now i have deregotory things on my public records section of my credit report that is inaccurate and is keeping me from buying another home, after lossing my employment in XXXX, after 3 years i had to sell my home. how do i clear this up?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian has reported an inaccurate account from XXXX on my file that does not belong to me and should be removed. The original creditor is XXXX and reporting on my report as 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 2015-10-27 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:
Someone with a similar name is listed with a different address on my report. This came about after a credit card was opened using my name. I would like the name removed with that person 's address in my Experian generated credit report. Experian makes you pay to change anything that is incorrect from their website and their phone number directs you to their website. I had paid a monthly fee to Experian earlier in the year for about 6 months but then discontinued the service. This is the first time to my knowledge that my identity has been used by someone else.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 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:
I am filling this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have public records reporting on my credit report that are due to identity theft and I would like to them be finally be removed and blocked permanently from my file. I have attached an updated copy of my FTC fraud identity theft affidavit which lists the fraudulent public records and it is signed and notarized by my local law enforcement and the court. i also have a letter from the United States Government showing proof my identity was stolen along with my fingerprints and my social security number and all of my personal information for someone to act as me and file taxes and other things under my name illegally they say it was part of a cyber hack. Please read over it carefully to fully understand my misfortunes and the current hardship this disaster has caused me. I 'm currently trying to get a mortgage for my family and I ca n't with these fraudulent public records on my file so please remove these immediately upon receipt of this 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 2016-05-08 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XXXX XXXX, 2016, I used Experian.com to check my free credit report and agreed to pay {$1.00} to obtain my FICO score along with my credit report. I was then, without my knowledge or consent, signed up for a credit monitoring service. No e-mail communication from the company ever indicated that I had started a free trial, or that I needed to cancel within a specified time period in order to not be charged. On XXXX XXXX, 2016, I was charged {$21.00} for " credit monitoring '' -- service that I neither desired nor solicited. I called Experian on XXXX XXXX, 2016 in order to obtain a refund for this charge and was told that they are unable to provide refunds for this service. 
I believe that the method by which they are surreptitiously signing up people for this " service '' is both dishonest and disreputable. It even more egregious because it is being foisted on unknowing consumers who are deliberately seeking to manage and improve their financial health -- and instead are being gouged by one of the very companies who instead should be trying to help consumers with financial transparency. 
Experian should be forced to un-bundle the " credit monitoring '' service from the FICO score offer so that it is no leading misleading and deceptive to consumers.

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 monetary relief
Consumer complaint received 2015-09-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have dispute with Experian serveral time to delete XXXX of same account that was files as bankruptcy in 2008, the account name is XXXX XXXX ID XXXX and XXXX XXXX ID XXXX are the same account for the amount of {$730.00} I have request to removed but all other credit report has removed it, Experian has my score to lows and this need to updates. I also have another account that was files as bankruptcyXXXX XXXX ID XXXX I also need that one removed like other 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 2016-05-07 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
They had FROZEn my credit report since XXXX XXXX credit monitoring had I had been TURNED DOWN for everything have been sick with XXXX since XXXX my kids and I had been homeless careless poor hungry and in dangerous living situations and XXXX problems because of this inaccurate that they caused 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 2016-06-14 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
i was a victim of mortgage fraud my home went into foreclosure but has since been reinstated also there is a account that appears on my credit report stating i owe XXXX on my XXXX chevy mailbu that vehicle was wrote off 4 years ago and i sent experian that complaint paper showing XXXX never responded to the Ohio Attorney General also i have disputed these account more than 4x also im very frustarted that experians credit report is being used in most of my credit denials or my higher interest rated also police reports staing possible identy theft and fraud where also sent to company as part of the dispute process now i am currently trying to refinance and get a home equity line of credit i had been going back and forth to court for 2 years for case now to be closed and i still cant move forward when i have the equity in my home now my credit score it the hold up due the the incorrect payment history amount also the XXXX account stating i owe XXXX should be removed due to XXXX wrongfully writing that vehicle off then tell me i do n't exist

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 2016-10-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My Hospital Bill was paid by Insurance company with proper XXXX Discount remaining balance was patient responsibility. But Hospital bill sent to collection department and I questioned the amount mentioned as patient responsibility. Because XXXX discount was also mentioned as patient 's responsibility. I raised complaint on this. Now I see that this balance is reported in my credit history. Insurance provider gave call and lodge complaint to service provider and directed service provider to remove account from collection. 
Collection service is not removed the balance yet and it is affecting my mortgage loan application. 
My Concern to Service provider and collection agency was, if insurance and patient still questioning to credibility of actual balance due then how it is reported as defaulter.

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 2015-08-18 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I went to XXXX last XXXX, as I do just about every year, to check on my credit reports from the three agencies and to get my XXXX scores. I paid {$7.00} each to get my credit score number from the three agencies and somehow, without my permission or knowledge, Experian " crammed '' my credit card ( and, BTW, this was a credit card I rarely use ) with those ridiculous $ XXXX/mo. charges for " credit reporting. '' I never knowingly signed up for this! I had no idea they could do that through this site and I never noticed it until recently. I successfully got 3 months of charges returned, but they claim they ca n't refund any more. Two takeaways : 1 XXXX These companies should NOT be allowed to " cram '' charges via the XXXX website -- there are plenty of " free credit report '' scams out there -- do n't let this one consumer site fall victim to the cramming too, and 2 XXXX Experian should be punished for sneaking in these charges without customer 's express permission. I REPEAT : I DID NOT SIGN UP FOR THIS and yet, I 'm out more than {$100.00}. They should be stopped.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 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:
This morning, because of my being alerted from my Experian credit monitoring, I was notified that I had XXXX additional inquiries report on my credit file with XXXX XXXX on XXXX/XXXX/2016. I have since spoken with XXXX as of this morning regarding this and bringing it to their attention that this was in fact via a fraudulent nature. They have told me that they did not do hard pulls on my credit file, but did do a " soft '' pull on the same day. As you can plainly see, there were a total of ( XXXX ) hard pulls and XXXX soft pull to my credit file. I have disputed these with XXXX and would greatly appreciate your disputing this as Fraud in hopes to help expedite the removal of these accordingly. 

Regards, 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 non-monetary relief
Consumer complaint received 2015-05-02 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Dear CFPB, I am having a problem with accessing my credit. I 've applied for XXXX XXXX XXXX XXXX credit cards from XXXX XXXX Bank, XXXX. In XXXX 2015, I was denied and the reasons for their decision was credit bureau information missing or unavailable. I made a complaint to XXXX and they gave a response that was somewhat satisfactory. They explained that a initial fraud alert was placed on XXXX XXXX credit file. I then resubmitted the same application a month later and was denied for the same reason. I spoke with a supervision in the application dept. on XXXX/XXXX/15 at approx. XXXX and it was suggested to me to contact the CRA and get the initial fraud alert removed because they are not able to see items in XXXX XXXX credit file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have asked the credit reporting agencies Experian, XXXX to remove a trade line to inaccurate reporting. I have tried several times, NO ONE is listening to me. The incorrect trade line is still there. This is not fair treatment. I have disputed a collection agency /hospital bill for over a year with an insurance company. The bill was paid in full three years ago. The bureau continues to report as paid in settlement less than the full amount after numerous times of advising this information is not true. The collection agency XXXX XXXX XXXX now XXXX stated they ca n't change the bureau, the bureau will need to remove the tradeline as its reporting in error. The agency is stating they have reported all the correct information. I have complained to supervisors, they sent me a letter confirming, paid in full. I feel that I am being ignored and this is affecting my personal life and impacting my credit rating. The hospital, XXXX is at fault for sending my account to a collection agency while I was paying, the collection agency XXXX XXXX XXXX is at fault for initially reporting inaccurately and the bureau 's, Experian and XXXX are is at fault for continually reporting this inaccuracy. I want this trade line removed. I have submitted several complaints. Thankfully XXXX XXXX listened and removed the trade line. Will someone please help me get this resolved.

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 2016-03-14 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I received a letter today from XXXX. The letter states that they put a fraud alert on my report. Now I repeatedly have sent them my XXXX license, My Notary License and my Pistol Permit. Also utility bills. Now I am a snowbird. I own a house XXXX and XXXX. I live XXXX from XXXX to XXXX. I am retired and cant take the cold weather. I purchased a car a bed set and XXXX XXXX while here. I also have XXXX cars reg XXXX. I did not ask for an alert to go on my account. They refuse to even talk to me. Excuse me if they kept there records straight and asked the creditors to verify the info they put on a record I would not be writing to you now. They will not give a phone number where you can talk to someone either. I am XXXX pay my bills and sick of trying to straighten this out.

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 2015-08-30 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:
I am a XXXX year old XXXX XXXX XXXX veteran. I applied for my annual free credit report and was DENIED. I was asked questions about financial situations that occurred in XX/XX/XXXX and XX/XX/XXXX. In addition, I was asked for the last XXXX numbers of my primary checking account. I have NOT written a check in decades. I do not have any checks, and that information is blocked on my online account. I was also asked about a bank card. What is a bank card? I have XXXX credit card, XXXX XXXX, XXXX Mortgage, XXXX, and a debit card.. I CAN NOT answer questions about changes or whatever that happened over a decade ago. Experian needs to mail me a copy of my credit report immediately. I will NOT send copies of my passport or other vital id papers to this predator. My bank recently sent me a list of XXXX things that lenders look at, XXXX really jumped out at me. Thou must have more than XXXX type of credit i.e. a credit card, and a auto loan. Is this what is being held against the citizens of the United States. I only have a credit card, a mortgage and a debit card. The mortgage will be done soon. So I will only have a credit card and a debit card. This is crazy, NO debt is the goal.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX for ( XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX ( formerly XXXX XXXX ) are listing my accounts as Charge Offs when these should have been discharged in Chapter XXXX Bankruptcy on XXXX/XXXX/2015. They need to correct all XXXX CRAS.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am new to XXXX and staying in phoenix. I reached XXXX on XXXX XXXX 2015 and I immediately opened an account with XXXX XXXX XXXX as well as applied for a credit card through them which I got after approximately 30 days. 2 weeks back I had applied for a car loan XXXX and approved my loan immediately but later on I was told there is some problem as the address which I have provided on my application does not match with that that on my credit report. I thought some problem will be there and they will come back to me which they did not. After which I applied for an auto loan with XXXX XXXX XXXX and got an approval from them immediately with APR of around 2.5 % and they also send a credit score of XXXX which for me was very high as I did not have any credit card or loan or any credit history but any ways I before going to dealer I just thought of checking the same with them once more and I got to know that there is a problem as again the address which I had provided does not match with XXXX my credit history. I went to XXXX XXXX XXXX and told them the problem. The banking associate XXXX called the loan department in front of me but they said they cant talk to him and insisted on talking to me and again they told me the same problem. They told me it is address of a place know as Surprise which near to phoenix. I never stayed in Surprise. I just did a random search on XXXX and found there is a person with the same name as mine staying there and I am sure his credit information is appearing on my credit history inspite of the fact that my SSN is being used for pulling out credit history. The dealer which I had visited also told me that it looks like there is a same person as you are in Surprise location. I am not attaching any documents as I am not able to pull my credit report as they say my SSN does not match with the address I have provided whereas XXXX XXXX XXXX, XXXX and my dealer could pull the credit history and could see there is a big mismatch.

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