vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: WA

Complaint narrative:
While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX on or about XX/XX/XXXX on EXPERIAN. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX XXXX XXXX WA XXXX has violated the Fair Credit Reporting Act Section XX/XX/XXXX ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experianis reporting XXXX from my credit report its not mine

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 2016-02-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have a collection record on my credit report with Experian. This collection is regarding a medical bill. The reason that this bill is not paid on time is that I was never informed that I have this unpaid bill by either the hospital or collection company. 

First, I have never been contacted by hospital for this bill, and I thought it is paid by my insurance company. Second, after the bill was transferred to the collection company, XXXX XXXX, this collection company never contacted me regarding this bill as well. In fact, I never know this unpaid bill was existing until the landlord told me I had a collection in credit report when I applied the apartment in 2014. 

It is the hospital and collection company 's fault for not contacting me, while not my fault to refuse to pay it. My insurance company can cover the bill directly, so that I do not have motivation to default on it. Both XXXX and Experian have removed this wrong information after I dispute with them. 

Experian is the only agency that refused to remove it after I disputed with them twice. I strongly believe that Experian does not do their investigation and due diligence well, and allows this wrong information to continue shows on my credit record to indicate I had a bad record to pay the bill, which is clearly not the truth according to the facts I listed above.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09 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:
On XXXX XXXX, 2015 I disputed an unauthorized inquiry on my report. I was unsuccessful in receiving a response from XXXX XXXX XXXX after not receiving a response, I sent my letter of concern to the XXXX credit bureaus addressing my concern. XXXX XXXX XXXX responded after the 30 day time frame only to ask to send additional information I have already provided. See information attached and remove this from 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 non-monetary relief
Consumer complaint received 2017-02-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have disputed the federal tax lien on my credit report with all XXXX agencies. Experian has removed the file from record but XXXX and XXXX refuse to remove the lien even after i have given then written proof of its dismissal. I have enclosed a copy of the Certificate of Release that is on file with the XXXX County Recorder. I would appreciate any help in removing this from my credit file for good.

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 2016-04-07 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: IL

Complaint narrative:
I called Experian and asked if they had received my letter regarding unknown items that did n't belong to me at first the representative said no we can not find your file and and we did n't receive anything and that I need to send them a copy of my drivers license and utility bill with social security card. I sent them this information over a month ago and they still never sent any correspondence that they had received it but I am aware that they did because it was sent certified mail and it was tracked when they signed for it. After I told the representative this he transferred me to another person named XXXX from the XXXX team and XXXX would n't give me his last name or supervisors name and he told me that there was no file number for my report. I asked him for the file number so that they wo n't have any issues finding my file if I need to contact them again but he said there was n't XXXX but how can that be if he found my credit report and told me it 's being reviewed. I asked XXXX from the Alpha team to send me a copy of my report because I believe there are items on it that do n't belong to me because of identity theft and at first he said he could n't because it 's under investigation and then I told him I read according to the Fair Credit Reporting Act you must send the consumer a copy of their credit report anytime they have become a victim of identity theft then he said he will send it within XXXX10 business days. If I 'm not mistaken the FCRA says that a credit bureau must respond with 5 days after they have been notified of the identity theft fraud on a consumers credit report they have failed to do so. I am well within my legal parameters to file a civil suit against Experian and name XXXX from the XXXX team in it also. We spoke on XXXX at XXXX The items on my report that are n't mine and came from a direct result of identity theft need to be deleted from Experian. Here they are below. 
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 2016-01-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have disputed XXXX XXXX, XXXX, and XXXX XXXX since XXXX of XXXX. I recently disputed a Bankruptcy on my credit profile XXXX/XXXX/XXXX, which I have not received notice that this entry is being investigated. I am a victim of identity thief and want these items removed. I have asked Experian to provide verification documents as of XXXX/XXXX/XXXX for XXXX XXXX ( XXXX accounts ) and XXXX XXXX. They have failed to provide such documents. Then, they allow XXXX XXXX XXXX ( collection agency for XXXX ) to post an entry on my credit profile, even though Experian removed XXXX. 
I asked this credit reporting company to provide me with documents to how these entries are " verified '' and remain on my credit profile. Under FCRA section XXXX XXXX a ) ( XXXX ), a consumer has the right to ask for validating documents within 15 days of an item being disputed. Has it not been more than 15 days? Have I not previously asked Experian to provide me with documents to support fraudulent entries on my credit profile? It has been going on 6 months since my disputes began, and I am still struggling to get an answer, documents, or removal of fraudulent activity on my credit profile.

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 2015-11-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: MORGAN STANLEY & CO. LLC
State: CO

Complaint narrative:
Saxon sold our borrowers loan to XXXX and I have been trying to get a release, XXXX got back to me and said yes. The release dept discovered that yes they did receive this file from Saxon when they closed but Saxon had already liquidated and charged off the account so all XXXX did was upload the file and did nothing on it as they realized Saxon sent them an already closed out file. They said they have several like this. With Saxon no longer in business, XXXX did give me XXXX number that is still in use where they just handle archived files. I called that number and it is nothing more than a message and it states if you are looking for a release you have to mail it in and gave a XXXX then says thank you goodbye and hangs up. You can not get a live person at all. I can mail it out however I can not even do XXXX with a XXXX. Just let me know what you would like me to do.

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 — Personal information
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
XXXX uses Experian for identity verification in order for me to sign up for heath insurance on the XXXX Website. I have been unable to sign up for health insurance based in whole or in part on inaccurate information in my Experian Credit Report. The reason I know it is inaccurate is that I was directed to call Experian and I did so and during the call the Experian agent asked me a number of questions about myself based on information obtained from their records. As the completion of the questioning I was advised that Experian is unable to verify my identity based on some difference between my answer and their records. The agent did not identify which information I provided that was supposedly inconsistent with their information. Because Experian did not identify which of the questions I supposedly answered incorrectly, their process precludes me from requesting specific correction.

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 2016-02-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian keeps re-validating a charged off credit card debt since 2009 by allowing original creditor and the collectors it sold debt to renewing and changing the charged off date to be current instead of 2009. The debt is already past the statute of limitations and also the credit reporting time but credit bureau re validates it every year so it shows it just got charged off contrary to 2009.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-11 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 tried for at least 6 months to get items that are incorrect and or not mine removed and Experian/XXXX seem to do whatever they want with my credit. I have submitted documentation and reached out to the original creditor etc. I do not know why it seems the information the bureaus get does not seem to match what I receive. I am tired of this battle an then it takes more than 30 days to get a response to my issues or I wait all this time for the same response that they WONT RE-INVESTIGATE. Why do consumers have to deal with this? I am so close to being a First time home owner and its like i am fighting a never ending battle about MY CREDIT! I am to the point of wanting to sue as this is so XXXX to deal with and no one wants to get on the same page. I have accounts ( XXXX ) that get deleted for Fraud a year ago and the company sells the account to another source and they change the amount to try and make it valid of mine under the new source???? ( I attached this as an example ) This is crazy. I 'm ready for my credit to feel protected and accurately reporting.

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 2015-07-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
All cards under XXXX XXXX after XXXX 2003 are not mine. I got my own cards after my divorce. The cards belong to XXXX XXXX XXXX. I believe these reports should not be on my credit reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have inaccuracies on my report. It shows Judgments that have been settled as being still open and Student loans that have been paid as open accounts, I would like them to review and update my entire 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 non-monetary relief
Consumer complaint received 2016-03-16 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have provided proof to Experian that a debt needs to be removed off of my report and they keep referring me back to the collections agency. The collections agency is telling me that it is in Experian 's hands. Today and Experian supervisor hung up on me, that is not customer service and I want this address 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 explanation
Consumer complaint received 2016-10-26 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:
On multiple occasions, I have requested that Experian remove or " block from appearing '' a fraudulent account from XXXX XXXX XXXX. Per FCRA guidelines, this should have been blocked within 4 days because this is a situation of identity theft. I have sent them a police report, explanation of events, and proof of military service which showed I was a victim of identity theft while XXXX. They refuse to cooperate and remove the fraudulent item repeatedly. Experian shows an extreme neglect for the situation. I have gone as far as to have the police officer themselves call Experian to request the removal. They continue their refusal to comply. The fraudulent credit card from XXXX XXXX XXXX is causing me significant emotionally and economical damages and I will file suit as so if this is not immediately resolved. 

I have provided more than enough information and Experian not only refuses to cooperate, but they have not provided ANY documentation as requested that they properly investigated the fraudulent account. This is another 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 non-monetary relief
Consumer complaint received 2016-11-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
All my accounts are included in the bankruptcy. These accounts need to be removed. 

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 non-monetary relief
Consumer complaint received 2016-02-14 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am writing to file a complaint against Experian On previous validation of request, Experian failed to provide the true date and its validation to 1st delinquent date negative item has been reported on my credit report more than 9 years I called creditor and it stated they have stop reporting after XXXX 2015 Over the past several months, I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with EXPERIAN to date. 

I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed below. 

Thank you for 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 non-monetary relief
Consumer complaint received 2015-09-22 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I ask for a copy of my payment history dating back from now until 2007 for creditor XXXX and experian or XXXX can provide me with my account history dating back to the beginning of loan

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 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:
There are multi accounts that do n't belong to me, I have contacted the them directly and they were very rude, I have disputed them with all XXXX credit reporting agencies and nothing is fixed. I do n't feel it is fair that I pay an attorney to get this corrected.

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 2016-10-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Someone is using my name to move in apartments..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I tried to dispute their errors of their investigation online and I can not. I already sent them documentation proving my identity. 

( 1 ) XXXX XXXX should not have any balances or histroy it was discharged in bankruptcy. No Activity past filing date of XX/XX/2015 and no erroneous reporting. See XXXX report and letter from XXXX. 

( 2 ) XXXX XXXX XXXX and written off prior to filing no balances or history, or payments should be displayed charge off prior to filing see XXXX. 

( 3 ) XXXX XXXX XXXX XXXX XXXX XXXX not included in Bankruptcy and re-affirmed. 

IF the accounts can not be correctly verified by them from the Furnisher, then they should delete. XXXX states they did not report the late payments in Balance History which means that the erroneous data is being inserted by Experian in violation of the Chapter XXXX discharge. Delete any balance history and ensure that the XXXX XXXX is showing the charge off date from last year as in XXXX Report. As far as XXXX there should be no balances or pending payments reported past the filing date. XX/XX/2015

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
This account is not mine that is on my report, just showed up this month XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX Date Opened:XX/XX/XXXXResponsibility : Authorized AccountAccount Type : Revolving Account Loan Type : CREDIT CARD Date Updated:XX/XX/XXXXPayment Received : $ XXXX Payment Made:XX/XX/XXXX Pay Status : Current ; Paid or Paying as AgreedTerms : {$20.00} per month, paid Monthly High Balance : High balance of {$970.00} from XX/XX/XXXX to XXXX ; {$1000.00} from XX/XX/XXXX to XX/XX/XXXX ; {$1000.00} from XX/XX/XXXX to XX/XX/XXXX ; {$1000.00} from XX/XX/XXXX to XX/XX/XXXX Credit Limit : Credit limit of {$1000.00} from XX/XX/XXXX to XX/XX/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