vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-07 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have contacted Experian and XXXX both multiple times disputing fraudulent activity on my credit report from the University XXXX XXXX. This supposed agency claims I attended thier university back in XXXX, I was enrolled with XXXX University at the time they claim I owe them money. I have contacted University of XXXX numerous times about thier fraudulent reporting, I also contacted XX/XX/XXXX and XXXX with this information and sent Experian and XXXX both copies of the report. XXXX bureaus removed the fraudulent report and then placed it back for collections in XXXX. I dispute this account every 5-6 months and the credit bureau comes back and claims the charges are legitimate. I have asked for proof of my enrollment, this University has no signatures or proof I attended classes there, I was enrolled at XXXX University in XXXX PA at the time they claim I was enrolled. I have asked for proof as to who has provided thier legitimate proof but the credit bureau can not provide the information all they say is I have to contact the University XXXX XXXX for the information. Based on the lack to provide legitimate documentation as to who continues to keep reporting this information under XXXX XXXX XXXX Laws they either have to provide this information or remove it from my reports they have no signatures as to who is reporting this information all they continue to tell me is that it was verified as being ligitimate through investigations, okay, who did this investigation and who sent the information to the credit bureaus? These XXXX credit bureaus are ruining my credit. I have had multiple issues with Experian erasing my entire credit and placing my ex-spouses social security number on my report and changing my birthdate to my youngest son 's birthday so as to whenever I go to apply for credit it shows I am applying under false pretenses. I did speak to a supervisor about the issue and had my credit restored but once again, the University XXXX XXXX was back on my report. I have tried to refinance my home and get financing for a business through multiple agencies but have been rejected do to my credit scores and the fraudulent reports filed. I want my credit restored and the fraudulent accounts removed from my credit bureau reports and I want them to block anyone from changing the report in any manner either by a credit freeze or a block to keep these scam artists out of my credit reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 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: MI

Complaint narrative:
Went to free anual credit report site. Got my XXXX and XXXX reports. However Experian gave me a response that they already gave me my report. I have attempted to contact Experian by phone and internet to no avail. All options are automated and they ALL want me to input a valid credit card and agree to be charged. Anything else either links me back to the freecredit report site just hangs up on me after telling me to go to the free report site. This same thing happened last year. Then I was able to get ahold of a live person and get this resolved. Not so this year, so they are in violation of the Fair Credit Reporting Act and I wish to file a 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 2015-05-21 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I need to know that you are really the company I should be dealing with on this debt. 
I do n't want to make a payment to your firm and then find out that I should have paid a different firm, and be sued by them. 
Please provide me with documentation that your firms ' either owns this debt or have authority to collect it, so that I will know that if I make a payment to you, the payment will be going to the proper company. 
I also need to know how you calculated the balance you say is due. 
Please provide me with an itemized breakdown of what you claim that I owe, identifying and explaining any fees, interest or other charges you 've addedIf you provide competent legal information, we may be able to reach a settlement or a payment arrangement. 
All such agreements need to be in writing, have a beginning and ending date with a clear number of payments to reach a settlement in full without additional interest charges or hidden fees, and you must agree not to resell or reassign the subject debt unless I default. 
This agreement needs to be signed by a person in your firm with the appropriate authority. 
I wo n't allow EFT withdrawals, or access to or from my accounts, all monies sent would be certified checks, or money orders. You do not have validation of me, I suggest you delete the Derogatory remarks from all CRA at XXXX. You do not have a contract with me. 
They purchased my personal information, without my authorization. It is being reported on all XXXX CRA reports as a charge off paid in full. The information is damaging. It is report as XXXX XXXX account number XXXX high XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-19 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:
Experian would not let me authenticate my credit account so I can review it for inaccuracies. The woman I spoke to on the phone said I would have to pay XXXX dollars a month in order to view what is reporting on their data, and dispute it, 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 non-monetary relief
Consumer complaint received 2015-10-16 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 discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX XXXX XXXX on or about XXXX/XXXX/2014 on EXPERIAN credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting 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 and have them remove the unauthorized and fraudulent hard inquiry immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Based on the agreement/settlement between the states attorney and the credit reporting agencies on XXXX XXXX that they will eliminate the reporting of debts that did not arise from a contract or agreement by the consumer to pay, such as tickets or fines credit reporting transactions listed as unacceptable data ... Examples include, but are not limited to : towing charges, vehicle storage fees, parking and traffic tickets/fines, toll road fines/fees. '' " Do not report debt that did not arise from a contract or agreement to pay, including, but not limited to, certain fines, tickets and other assessments, '' the credit reporting agency document explained. " For example, library fees or fines, parking tickets, speeding tickets, and court fees or fines. " Motorists with existing red light camera, speed camera or parking ticket debt on their credit report can expect that their records will be cleared. Under the legal settlement, consumers have new rights to dispute incorrect items on their report. 
Traffic Tickets and Government Fines Will Not Appear in Credit Reports Cities and counties often refer traffic tickets and government fines to collection agencies, or sell them to debt buyers. Currently, collection agencies and debt buyers report these tickets and fines as " debt '' to the CRAs.Beginning in XXXX XXXX, CRAs will no longer report debt that " did not arise from any contract or agreement to pay, '' such as traffic tickets and government fines. 
I have XXXX paid parking tickets on my experian credit report that should be deleted based on this new policy. I previously disputed them and was told that they was not parking tickets. I have provided that they are parking tickets in the attached documents from the City of XXXX XXXX Parking Administration. 
CITY OF XXXX XXXX Account # XXXX CITY OF XXXX XXXX Account # XXXX CITY OF XXXX XXXX Account # XXXX CITY OF 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 non-monetary relief
Consumer complaint received 2015-08-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On Experian there has been items on that do not belong to me and other people Social Security Number is link to my credit report the had me married to my mother had several incorrect mailing address and things that was satisfied or good standard as negative and they reporting thing from XX/XX/XXXX or XX/XX/XXXX. Please investigate XXXX, Experian, XXXX for there reporting policy and procedure and ensure that are following United States Federal Regulations also check phone line option it did not give you a choice to speak to customer service representative because I call prior to going online to dispute item on my credit report what they do when you have a customer that do not have access to internet we do not have the right to dispute the item on my report. Please this is problem that occured and why does it take so long to receive a credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
this is not my accounts and it is fraud please remove.

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 2015-08-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
I have disputed the incorrect information two times using the processrequired by Experian. They have not corrected the information and I havesupplied sufficient documentation for them to do so. Please have themupdate or remove this public record from my credit report, as it ishindering my financial growth.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-09 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
SECURITY FREEZEI live in Indiana and so I 'm entitled to place a security freeze on my report. I had no problem doing so online with XXXX and XXXX. But EXPERIAN on XXXX/XXXX/2015 and again XXXX/XXXX/2015 would not do so online - giving the message '' We were unable to honor your request ... based on the ( same ) information you entered '' NO info or explanation was given. I was told to MAIL lengthy and onerous info to obtain the freeze ( eg copies of govt ID, utility bill, along with all my info = SS, DOB, past addresses, etc ) Since the other agencies had no problem, I have to believe that Experian is doing everything possible to make it as difficult as possible in order to discourage consumers from placing a freeze on their account. 
In that my personal info was likely obtained in the XXXX XXXX XXXX data breach, Experian should be held strictly liable for any damages I incur from their failure to implement a timely Security Freeze.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I 've disputed an inaccurate bankruptcy with Experian for several months now. Experian consistently responded to the disputed account as " verified ''. They violated several federal rules under the FCRA 623 and 1681i during their so called investigations. Experian has US BKPT CT GA XXXX listed as the furnisher of information. I received a letter from the courthouse stating that they do not communicate with credit bureaus. Experian did not send a notice of my dispute to the furnisher of information. In fact they are not providing the true furnisher of information for this account, as we know the courthouse is not the true furnisher of information. Experian did not list an address or phone number for the courthouse, which proves that the account is inaccurate. Experian shows the assets and liabilities section as {$0.00}. This is inaccurate information as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
this company is been reporting on my credit report for so long, XXXX needs to be removed its been on my report since 2010 and based on the law it should be removed for my report. this account is preventing me from providing a better housing for my family.

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 2015-05-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I have set up an account with XXXX to monitor all XXXX of my credit reports. I have noticed several XXXX inquiries reporting on all XXXX credit reports that were not authorized by me in anyway. Rather than submitting XXXX dispute at a time regarding the unauthorized inquiries, I have attached a word document showing all unauthorized inquiries reporting on Experian.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 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:
around 2012 i was a victim of indentity theft, they used my id to file taxes in California and get to phones from XXXX and XXXX, I didnt know until i pulled my report recently and I filed a police report, I also contacted the IRS and the creditors XXXX and XXXX who said they no longer had those records and sold in to XXXX enhanced recovery, I called them and they are unable to validate the debt, this is hanging on my credit and its not mine, XXXX promptly removed it they are in violation of the FCRA and I have several letters sent certified and they still say validated but provide me with no proof they say they only have a name a ssn and a last amount owed and a creditor nothing else. Please help me I am trying to buy a home

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 2016-01-26 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: NY

Complaint narrative:
My name is : " XXXX ( first name ) XXXX ( middle name ) XXXX ( last name ) ''. I am in the process of getting a mortgage and Experian will not report a score for me. Both XXXX and XXXX are reporting a score for me. I called Experian and after spending over 3 hours on the phone with them they can not solve this problem. The reason they are giving is that my last name only contains XXXX letter and their system can not register only XXXX letter as a last name! They even said I should I should add a letter to my last name! This is insanity and goes against every right I have as a citizen. They are basically stealing my identity by not giving me my identity. There are many people in the XXXX with XXXX letter last names so Experian is not recognizing these people. I ask that you tell Experian they must resolve this issue or face harsh consequences. Here is the rest of my information : SS # XXXX. Address : XXXX XXXX XXXX ; XXXX XXXX, NY XXXX. My date of birth is XXXX/XXXX/1988. I can be reached at XXXX. I am attaching my Social Security card and Passport as proof of my identity. Thank you for your time and I look forward to your response.

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 2015-08-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX lists an amount due of {$6500.00} ( {$7900.00} highest balance ) as a Collection/Charge-Off on my credit report. This account belonged to XXXX XXXX and I was listed as an Authorized User. I never used the card and it is still in the envelope in which it was originally sent. XXXX XXXX sold this account to XXXX XXXX and they filed a collection lawsuit against XXXX XXXX . This lawsuit was Non-Suited by the Court and the amount claimed as due was deemed to be not owed. The attorney stated that the amount did not have to be paid to XXXX XXXX or to XXXX XXXX. When applying for a mortgage in XX/XX/2015, a conference call was held between XXXX XXXX , XXXX XXXX and XXXX XXXX . XXXX XXXX refused to discuss the matter, so no resolution could be had. They were extremely abusive on that conference call to which we still have the recording. We were not able to secure the mortgage because of that derogatory listing on 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 2015-10-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
While checking my personal credit report, I noticed an Employers listed as XXXX and XXXX on Experian credit report. I have never been employed by these companies. I am requesting that Experian immediately remove the unknown names of Employers listed on my credit report immediately. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to correctly identify me 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 2016-04-12 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:
Experian continues to share my credit report improperly. I provided them with a copy of a police report showing identity theft. Furthermore, every time I try to submit documents to them online, they say I am not allowed. 
There area huge number of unauthorized inquiries from XXXX/XXXX/16 that need to be deleted from my 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