vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Experian is n't reporting my XXXX XXXX card. XXXX XXXX says they reported to all XXXX bureaus but experian still has n't put it 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 2016-09-29 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 disputed inquires with credit bureau and creditors by certified mail and request that inquires be removed from my report because of fraudulent activity. I was employed by the usps which was compromised and also irs had a fraudulent income tax filing in XXXX 2015 these are not my inquires I did not assume credit or get a job with any of these companies.

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 2016-06-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
I have recently started monitoring my credit reports and I have found an item in my negative collections portion, it is for a student loan/and or credit card that I never signed up for. It says date opened is XX/XX/2009 at that time I never used XXXX XXXX XXXX which is where it is from. It says the account was transferred and the balance is like {$1100.00}. This is upsetting and this was absolutely not opened by me and I never got to spend this money. Please help

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 2016-11-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Experian refuses to remove this from my credit. The bankruptcy courts of XXXX Carolina do not report to the credit bureaus so this is reported thru a 3rd party which is illegal.

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 2016-11-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I contacted Experian to have names incorrect names removed from my credit report. They advised me to find the " creditors '' who have reported the information and would not assist me updating the account regardless of proof of identification. When asked to speak to a supervisor I remained on hold until the representative eventually intentionally disconnected the phone call.

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 2016-03-13 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have given the authority make these inquiries Please have them delete these from my Experian credit report Thank you very much Alert Type New Inquiry Processed Date XXXX/XXXX/2015 Creditor Type Complete Department Stores Alert Date XXXX Creditor Name XXXX Processed Date XXXX/XXXX/2015 Creditor Type Bank Credit Cards Alert Date XXXX Creditor Name XXXX Processed Date XXXX/XXXX/2015 Creditor Type Bank Credit Cards Alert Date XXXX Creditor Name 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 2015-10-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I disputed some information on my credit report and it still has not been fixed. 
XXXX XXXX XXXX -- - this needs to be removed. this is not me. 
Name identification number : XXXX XXXXName identification number : XXXX -- this needs to be removed -- this is not meXXXX XXXXName identification number : XXXX - this needs to be removed ... this is not meXXXX XXXXName identification number : XXXX -- this needs to be removed. this is not meXXXX XXXXName identification number : XXXX - this needs to be removed. this is not meEmployers : UNEMPLYED -- REMOVE -- NOT MEXXXX XXXX - REMOVE - NOT MEXXXX XXXX - REMOVE -- This is not meAddress : XXXX XXXX XXXXXXXX XXXX identification number : XXXX -- REMOVE ... this has never been meAddress : XXXX XXXX XXXX, XXXX XXXXAddress identification number : XXXX -- REMOVE ... this is not meIdentification Number : XXXX -- this needs to be removed. XXXX years oldJudgment in favor of XXXX. XXXX -- Remove this.. I am no longer liable for this. 

The following accounts needs to be removed asap. I am no longer liable and they need to be deleted from my record asap. 
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 2016-04-14 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The site XXXX wouldnt work and did n't give me my XXXX or experian reports and the companies wo n't help me. They provided me with the number XXXX which I was unable to connect to a human being which is unacceptable.

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 2015-04-17 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:
Hi, I was charged without my awareness {$4200.00} as of XX/XX/2015I never seen a Doctor or signed any document regarding any medical treatment. 
Somebody is using my name and ruing my credit. Please help. 
This is the company 's information below. 
XXXX XXXX XXXX {$4200.00} as of XXXX account. {$4200.00} past due as of XXXX XX/XX/XXXX 




XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2015-07-13 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XX/XX/XXXX, I submitted the information/dispute below through your office and included supporting documentation (case #XXXX) due to an error on my XXXX Report.  They favorable resolved the issue.  Thank You!  However, I just discovered that EXPERIAN is reporting the erroneous information.  As a result, I sent them the supporting documentation and even referenced this case.  However, they refuse to remove the information and they informed me that it was verified years ago.  I gave them the name of the state representative, just as I did here and the name of the Clerk of Superior Court in XXXX (original attachments).  Yet, they still refuse to remove the file.  Please help!!

FROM THE ORIGINAL COMPLAINT:
While attempting to obtain credit, I learned that I had a state lien on my credit file for unpaid taxes as a result of an out of state vehicle purchase.  After working with the state agent (XXXX) and resolving the matter, it was determined that the amount was incorrect and that taxes had actually been included in the loan.  However, it was not enough and not appropriately applied.  At the same time, I was unaware of this fact.  Thus, the state made the correction by altering the amount, updating the file and correcting the error.  Thus, I paid the corrected difference.  However, the original amount shown on my credit file as a paid debt.  I visited my local tax office, for they are aware of the amount paid, etc. and was informed by the tax office (XXXX) that they did not report the information.  A third party apparently sold it to the bureau and they are reporting it inaccurately.  I have disputed the entry and supplied supporting documents.  However, the credit bureau refuses to remove the inaccurate information.  
I want all of the information related to this entry removed.
The attached Public Record is from XXXX.  I'd like to ensure that it doesn't appear on any of the credit reporting bureau files.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-13 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:
On XXXX/XXXX/2015 person ( s ) unknown attempted to open or opened an account with XXXX/XXXX XXXX, XXXX. XXXX XXXX, XXXX, OH XXXX, telephone number : XXXX. I became aware of this due to a fraud alert on Experian Credit. I need to have this investigated to determine if the account was opened, closed, etc. also, if my credit report was requested then a hard credit inquiry would be on my credit report. I need to have this removed. I am calling XXXX XXXX to find out what information they have developed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-12 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: MD

Complaint narrative:
I have had difficulty receiving my free annual credit report from experian. At the last step it directs me to mail them information. This is inconvenient.

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 2016-10-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
In the last six months I was looking at cars. I had a used car dealer run my credit 8 times that I did not authorize. After a few months I saw my credit report and was shocked I had so many inquiry 's on my Experian credit report. I did not authorize these inquiry 's. These inquiry 's should be removed from my report. I should not have to wait 2 years for these unauthorized inquiry 's to be removed. These inquiry 's are negatively effecting my ability to use my credit. There should be more control over people who run citizens credit when it is so important. I have been told this happens a lot at car dealerships this is very upsetting.

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 2015-03-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX closed my credit card at my request on XXXX, 2014. Experian Credit Bureau refuses to update the information. I closed the account at my request and the other XXXX credit bureaus reflect this. I called XXXX credit and they state they have updated my information with Experian they refuse to update it. I will contact XXXX again. 
I want my report to show that my account has been closed since XXXX 2014 as the other bureaus. Thanks

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XX/XX/XXXX ; I Disputed XXXX Bk entries in my XXXX bureau credit report ; transunion deleted them after investigation. Experian claimed they were verified by the Bk court. I called the Bk court ( with the info Experian provided as there source of verification ), and also showed up in person. I spoke to the clerk and I asked about there process of verifying ; or even validating anything to credit bureaus. The clerk told me via phone and in person that : the Bk court does not under any circumstances report, validate, or verify and information to credit bureaus. I have sent 3 to 4 letters to Experian giving them the opportunity to correct this error, to add insult to injury Experian has also violated the FCRA by not marking these items disputed on my credit report, or bearing any proof that these belong Bk entries belong to me. I need your assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian Credit Bureau reinserted a previously deleted collection on my credit report without my knowledge or without contacting me in any way. The reinserted collection account is : XXXX XXXX XXXX XXXX Account # 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 2016-06-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In XX/XX/XXXX I had ID theft. Someone filed my taxes and received the funds. I have since found addresses, accounts and received mail that is not mine but, is in my social and date of breath. Information on car from XX/XX/XXXX till XX/XX/XXXX. I am sent a security pin to use for filing taxes now. It was verified by IRS.

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 2016-02-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My yonger sister bad credit is on my credit.

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 2015-08-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: ME

Complaint narrative:
I have sent many letters to Experian over the last 4 months asking them to delete the information i requested from my credit reports UNLESS they could verify they were mine. They have sent me back my credit report stating they verified the information yet sent me back no paperwork. According to the FCRA if they cant really verify the information they have to remove the information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28 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 obtained a copy of my credit report # XXXX from Experian. It shows XXXX hard credit inquiries ; XXXX of them I never requested or have any knowledge of the companies. Some of listed XXXX times for the same day, i.e. XXXX XXXX, XXXX XXXX, XXXX, XXXX 's, then another inquiry from them XXXX XXXX, XXXX. I did not apply to XXXX for credit. XXXX XXXX XXXX 's on XXXX XXXX, XXXX for XXXX XXXX XXXX. then for XXXX XXXX XXXX. I did apply with either XXXX of these companies. XXXX Bank inquiries on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, again. I did apply to or through a company associated with XXXX Bank. XXXX XXXX I have no idea who this co. is but I have no association with them. XXXX XXXX Bills on XXXX/XXXX/XXXX, never applied to them. Experian XXXX 's on XXXX/XXXX/XXXX, then again on XXXX/XXXX/XXXX. Why are they showing up XXXX times as a hard inquiry on my credit report, from them? This information is inaccurate, at best. Note : I previously had accounts with XXXX and XXXX but they were legally discharged under a XXXX bankruptcy shown on the credit report. I have not had any accounts with them since then and there is no legitimate reason to show active credit inquiries from them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have my Experian credit report and I notice that experian is providing inaccurate information about my account status and there is some discrepies. I have being applied for credit and when the company pulls from experian credit report, i either been denied credit or have to pay a high security deposit. Whereas when a company pull my credit report from XXXX and XXXX, is were i am always approved. Experian credit bureau is not reporting accurate information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05 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:
About 5 months ago, I disputed several erroneous accounts on my Experian Credit File. Experian stated that they were verified to be my accounts. They never provided any names of anyone that verified this information per my dispute. I recently disputed the items for different reasons, and the following explanation was provided. " You have previously disputed this item. Pursuant to Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act, we will not process a duplicative dispute. If you have new or different information that is relevant to your dispute, you can upload supporting documents by using the button below. Alternatively, you can add a statement to this item or cancel your request below. You may also wish to contact the data furnisher of this information regarding your dispute. '' The following accounts were disputed, and need to be disputed again. 

1. XXXX XXXX this item Account Number : XXXX .... 

2. XXXX XXXX XXXX Dispute this item Account Number : XXXX .... 

3. XXXX Dispute this item Account Number : XXXX .... 

4. XXXX XXXX XXXX Dispute this item Account 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 2016-09-15 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have spent countless hours and thousands of dollars cleaning up my credit report in order to refinance my home mortgage. I have paid membership to this credit agency which allows me to monitor my credit and my credit score. this membership costs me {$240.00} a year and I expect to have accurate information. 
I recently applied for a refinance loan because the credit score that I see when I log into my account shows XXXX. However, when the lender pulled my credit scores they indicated that my score is XXXX, almost a XXXX point difference. I was denied the loan because their minimum score is XXXX. I do not understand why the scores are so different and why I am not advised as to any other scores that may be provided to creditors.

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 2016-09-29 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:
I sent my informatoin through CFPB complaining on Experian 's lack of response in regards to a ID theft collection on my report. They said they would investigate it and it has been over 30 days. Based on everything I 've read I thought I did everything right. I 'll upload the date my last complaint was filed and then submit that as documentation. Not mad just a little frustrated b/c Im not sure what else todo.

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 2016-06-08 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Received marketing offer after opted out
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I signed up for credit reporting with Experian not understanding that I would be charged a monthly {$20.00} fee for the credit report. The month after I signed up, I called my bank and disputed the charge to my credit card. They explained to me that this was a common complaint, and Experian was difficult to work with and ultimately resolve the $ XXXX/month charge. They recommended that I cancel my credit card and avoid working with Experian in the future. I did this. The following month, under my new credit card, the charge appeared again. I had not contacted Experian with my new credit card number. Therefore, Experian used my social security number to locate my personal information and charge me for a service that I did not want. I called Experian and complained that they misused my personal identifiable information and requested the resting the charge on my credit card. They refused and said the charge was legitimate. I demanded to speak to the Experian representative 's supervisor to resolve the issue and I was turned down. I am deeply disturbed, not for the monthly charge on my credit card, but because my PII was used inappropriately. I am lucky because I monitor my credit card charges closely. I 'm sure there are many Americans who are unable to keep close watch on their financial information and in a similar situation, would miss the charge in their credit card.

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