vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-11 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:
Was told that an inquiry, although was never authorized, and the company that pulled it without my authorization said in an email they would remove it after Experian received my dispute. I contacted Experian and they said " it is our policy that the company pulling must contact us to remove it ''. I said " what sense does that make if the company that pulled it illegally has to give permission? ". The case is still not resolved and I have an inquiry on my record.

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 2016-03-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
They have an XXXX account on my credit report that is more than 10 years old. the account was opened in 2006. i have sent a request to delete more than 4 times and also sent a copy of the payoff letter. they continue to claim it as a charge off but it should have been deleted 2 years ago.

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 2016-07-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I had a XXXX XXXX Account opened in XX/XX/XXXX and the last time used my account before I close it was XX/XX/XXXX. My account was paid in full at the XXXX XXXX in VA in full. XXXX reported my account to the credit reporting agency as paid in full. How I check out my credit reports XX/XX/XXXX and XXXX have my report showing negative information. I called XXXX XXXX and they stated what they report is correct and that 's a false statement. Someone please help me with this case. I will take a lie detector test to show you all that my statement is true.

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 2016-03-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
All XXXX reporting agency 's are reporting incorrect information on my credit report and have caused me to loss jobs, etc. The following are the XXXX report numbers that I disputed with them : XXXX, XXXX, XXXX. I have a XXXX on my credit report and it is not my account. I was at XXXX time an authorize user on this account and have asked to be removed from this account. All three reporting agency 's are reporting this account as my account when by law I have no ties to this account. I contacted XXXX and they said I was only an authorize user at XXXX time and asked them to remove me. I also asked all XXXX credit agencys to remove me and they will not remove this account. I am attaching my recorded statement that I took of my conversation with XXXX and what they said that I am not the owner of the account at all. I need your help in getting this account removed from all three reporting agency 's. The XXXX account # XXXX Please assist me in this investigation as the XXXX agency 's will not correct this information and delete this account. This is my last chance to try to get this corrected before hiring an attorney. 

If you could assist me I would appreciate it. 

Warm 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 explanation
Consumer complaint received 2015-03-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
After paying my XXXX federal tax liens and having them released, I obtained withdrawals of XXXX liens. I disputed the information with Experian and provided them copies of forms XXXX that prove the liens were withdrawn. Experian responded that the liens would remain and not be removed until the seven years expires. Attached is the email showing the results were ready ; the results showing the liens would remain ; and the Withdrawals of Federal Notice of Federal Tax Lien After Release forms ( XXXX ) that prove the liens should be removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.

Complaint narrative:
I applied for a credit card with XXXX since I have always had an excellent credit score. Today I received a letter saying that my request ca n't be approved because : 1. " CREDIT BUREAU REPORTS APPLICANT IS DECEASED. 2. SOME INFORMATION USED TO MAKE THIS DECISION WAS OBTAINED FROM THE CREDIT REPORTING AGENCY : EXPERIAN XXXX, TX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX mortgage, XXXX home Equity Line of Credit. In XXXX XXXX, I filed for divorce from my husband. In XXXX XXXX a stipulation was initiated in XXXX Co Family Court that gave my husband " sole use '' of our home. I moved to a different location with my children. He has been living in the home since that time. At his request in XXXX XXXX, I quitclaim deeded the house to him, and it was registered in XXXX Co XXXX Court. This was in an attempt for him to try and refinance the property. I have not been employed continuously for many years, thus the financial responsibility has been his. Recently he also filed for Chapter XXXX Bankruptcy to which creditors XXXX XXXX and XXXX are listed. This was finalized and payments are being made by him at 100 % payback. I am requesting that these debts be modified in the 3 major credit bureau databases to reflect that I am not liable for the debts. At this time, the information on my credit reports indicate a very poor score and is affecting my ability to obtain a XXXX XXXX loan to complete my XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is still listing an account that is past the 7 year reporting period. 
XXXX, account number XXXX. Experian is the ONLY credit bureau that is still reporting this account.

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 2015-11-12 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:
I reported on several occasions to expierian that there is a Name and Address that is on my credit Report other than mine, Someone my Name is XXXX XXXX XXXX my my ssi # is XXXX my current address is XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX My old address was XXXX XXXX XXXX XXXX XXXX florida XXXX. There is someone using a name close to mine XXXX XXXX XXXX ( no Me ) address XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, fl XXXX @ Geographical code XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-16 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Disputes of negative issues and Inquary

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 2016-08-16 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 am a victim of identity theft. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. These accounts were opened as a result of this identity theft. Later I also suffered a hack due to Experian and XXXX. I have attached documentation of the identity theft and hack. I disputed this directly with the company and did not get a response. I am disputing these accounts due to identity theft : XXXX XXXX BANK XXXX Credit Card XXXX XXXX, XXXX Closed XXXX Missed Payments {$0.00} XXXX XXXX XXXX XXXX XXXX, XXXX Closed XXXX Missed Payments {$0.00} XXXX Credit Card XXXX XXXX, XXXX Closed XXXX Missed Payments {$460.00} XXXX BANK Credit Card XXXX XXXX, XXXX Closed XXXX Missed Payments {$670.00} XXXX DEPARTMENT OF XXXX XXXX XXXX XXXX, XXXX Closed XXXX Missed Payment {$7300.00} XXXX XXXX XXXX Student XXXX XXXX, XXXX Closed XXXX Missed Payments {$820.00} XXXX XXXX XXXX XXXX XXXX, XXXX Open {$360.00} XXXX XXXX XXXX XXXX XXXX, XXXX Open {$1000.00} XXXX XXXX XXXX, XXXX Open {$310.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Open {$5600.00}

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 2017-03-09 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:
I contacted the credit bureau to let them know that my credit had been ran without my knowledge or permission. I was told to contact each company to dispute these actions. I did that with no response or action.

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 2016-05-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have had no issues with reporting inaccurate information with XXXX XXXX and XXXX. However, Experian refuses to allow me to file a dispute, even after purchasing my credit report from them.

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 2015-10-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In XX/XX/XXXX, in the process of obtaining a HARP re-finance mortgage, a banker brought an item from the year XX/XX/XXXX to my attention from XXXX. I do not now nor ever recall an account with XXXX. Therefore, I request the item be removed from my report. As my credit report stands at an XXXX and has resided in that range for the last ten years or more. 
The XXXX item noted on my report reads as shown : XXXX INFORMATION DISPUTED BY CONSUMER ACCOUNT IN DISPUTEDisputed by Consumer CURRENTCreditCardOpenXXXX, Experian

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

Complaint narrative:
I sent Experian information from several previous credit report indicating how XXXX XXXX, XXXX XXXX, XXXX, XXXX have errors on report. I sent statements from the website for XXXX, Prior reports for charge off that were modified and verified as correct by XXXX XXXX and XXXX XXXX, and copies of checks for XXXX and statements from XXXX website. Instead of correcting or deleting items that obviously are being misrepresented they sent me a report file stating " Unfortunately, we aree unable to add credit information into your personal credit report. We did not add data from private parties since we would be unable to verify or maintain the data. '' Yet they add data from furnishers that they do not verify as being correct.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-05 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:
I disputed the issue but Experian decided to remove the account without initiating a fraud alert. Issue : an account under a collector showed on my report. I contacted them and my social number didnt match with the name they had in file. The company who hired the collector, was closed and the owner is currently facing a civil action by SEC due to XXXX of dollars in frauds. They stole my social security number. Their company address is the address that appears under my social security number for the Experian collector account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX has fraudulently added an additional account with XXXX, instead of correcting the account that was charged off and closed prior to filing Chapter XXXX in XXXX 2015. I want the XXXX account that was added with ill intent deleted. I want the 0ther account to show no balance. No payment or balance history past the filing date. The date of Major Delinquency is XXXX. All this needs to be corrected XXXX accounts in violation of FDPCA and FCRA deleted.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 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:
Someone stole my personal information and fraudulently obtained a bogus credit card. This started in XXXX XXXX 2015. I became aware of this when XXXX XXXX in XXXX, XXXX contacted me of this illegal activity. I reported this to the XXXX Police Dept in XXXX Case # XXXX with XXXX XXXX XXXX conducting the investigation.They started a investigation along with XXXX XXXX and XXXX XXXX in XXXX, XXXX who then turned it over to XXXX XXXX XXXX who have closed the case. 
Many outstanding charges started mounting up on my credit causing my credit score to start dropping. 
I lost my husband last month and I need for someone to correct these errors. I am a victim who is XXXX old that needs HELP!! 
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 2015-11-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I recently sent a dispute in for some items to Experian and the information came back verified. I requested the method of verification that they used in order to verify the information and instead of giving me that information, they initiated another reinvestigation. I sent yet another letter requesting the method of verification and made sure I noted that I did not want a reinvestigation or a general outline of how the items were verified, I wanted specific information. While waiting for the method of verification response, I sent XXXX the collection agencies a request for validation. Experian still initiated an additional reinvestigation instead of following through with my request for the method of verification. They sent back the results stating that the items that I disputed were updated, remaining, or processed. I warned them during my last request for a method of verification that I would be filing a complaint if this request is not fulfilled and they have not.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have requested for Experian to remove an obsolete Federal Tax lien from my credit report several times. They refuse even though I have supplied them with the appropriate documents to show that the item should be removed. I do not like having to file complaints but this item is really hurting my ability to obtain credit and I have made several requests for removal with no change to 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 2015-12-06 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are inquiry 's on my from all from 2014 that do n't belong to me as someone posing as me tried to obtain credit, after doing an online dispute within minutes they came back verified so there could n't have been an investigation

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
hard inquiry I have XXXX inquiry on my report with the same company XXXX XXXX auto I would like them to be taking off if possible

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-26 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have not authorized a series of inquiries that are showing up on my Credit report and am disputing them. All the listed companies that have requested a copy of my credit report on the letter attached do NOT HAVE my written authorization to view 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 2016-06-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX Card : It is an account that has more than 7 yrs of age, it was mentioned that it was going to be taking off the bureau. I have already disputed such account so the error could be fixed but no respond. Please remove account from my report, 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 2015-07-09 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 applied for a refinance and XXXX XXXX said I needed to have an item cleared up on my report. The item was a credit card with XXXX XXXX with a XXXX '' designation, meaning designated user. The report showed it was included in an XX/XX/XXXX bankruptcy and the info was verified on XX/XX/XXXX. I looked at a copy of my bankruptcy filing of XX/XX/XXXX and it showed XXXX XXXX 'multiple accts ' but none of them were as 'designated user '. That account belonged to XXXX XXXX and I was a designated user XXXX for a car rental, then removed. I contacted the Cr Bureaus XX/XX/XXXX and requested this info be removed from my credit report. I received a response stating they had verified it. I then requested they have XXXX XXXX provide the complete info for the XXXX '' card including who designated me as a user. I never heard back and the info remains on my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-09 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:
I disputed with XXXX and answered my own questions correctly but could n't dispute because it said I answered them wrong. I think I know about my own history. I disputed with Experian but they have yet to even acknowledge my dispute- the information is either not an account of mine because I have n't had an active cell phone in my name in years or is time barred for reporting purposes/legal ramifications. The company, XXXX XXXX itself withdrew the collection and sent back to whatever company ( XXXX ) that it bought the debt from. Yet the damage has been done to my score - on XXXX I lost XXXX points! Unbelievable that people -with no actual proof -can damage someone 's credit reputation. Good job credit bureaus!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have several accounts that are listed with this bureau that is a result of my identity being stolen and are fraudulent I have submitted an ftc report # XXXX and a police report detailing the identity theft and some of the fraudulent accounts that are listed and the bureau refused to remove the items with the information I have given them

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