vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-24 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:
I have recently went through the mortgage process and purchased a home. During this process it was brought to my attention that I had a couple negative items on my report. XXXX being an {$8.00} med bill and XXXX I realized was for an business auto loan that I NEVER signed any loan documents for. I did work for the company and was on the board at the time but when they said I would need to sign for the loan personally instead of as a corporate representative I out right refuse and never signed for this vehicle. I let the company a short time after. I have disputed this with all XXXX credit agencies and believe it have been removed from XXXX, I 'm not sure at this time about XXXX but Experian asked that I contact the lender direct which I did and they said they had no records to show my signature, only an electronic file showing I was a customer of theirs, and they suggested I dispute it and it would be removed. I told them I did and that 's why I was contacting them so they suggested I ask for a reinvestigation. Which I did and so far on XXXX occasions Experian has refused to remove it and just keeps telling me it 's " Updated ''. Here is the deal, show me my XXXX signature because I NEVER signed for it, and if someone forged my signature I want to know. I have a short email chain between me and the lender but obviously no script of my calls. This may seem petty since it is only listed for being 30 days late once but it is the point. I did NOT sign for this loan ... ... so WHO did. The credit reporting agencies should have to report who they spoke to and contact information for them and what documentation that they obtained " validating '' or " confirming '' an account belongs to someone. Not just send a generic letter stating they " updated '' the status and I can add XXXX words as an explanation? Whatever, show me the evidence.

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 2016-11-02 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I checked off the did not get proper notice of investigation because the others did not fit my problem at all. Sorry. Here is the situation : XXXX XXXX XXXX hired a collection agency XXXX XXXX and they hired a XXXX Attorney to represent them in court. I went to court when I was asked to appear. They never even showed. Therefore, the Judge ordered that the case was dismissed. I have the paperwork from the Court showing all the information that would be required for them to remove the negative marks on my credit report. So, I then sent all this paperwork to the credit reporting agencies. They are still investigating and as of yet, I have heard nothing. Everyone is telling me to sue the credit reporting agencies - Others said you can help me. So I 'm starting with you!!!! Apparently, they are dragging their feet on this one.

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 2016-12-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I followed Experian 's online protocol to correct addresses. I received their response and the information was still incorrect. When I again followed protocol to correct, the options provided on the website do not allow for additional options. The only options from a dropdown menu are : Never lived there Belongs to another person with same or similar name Identity theft I just need these XXXX addresses deleted as they are incorrect. The correct address is already correctly listed in my report. These are the XXXX that need to be deleted : Address : XXXX XXXX XXXX XXXX XXXX ( This should read XXXX, but as stated above, it is already correctly included in the report. ) XXXX XXXX, XXXX XXXX Address identification number : XXXX Type of Residence : Apartment complex Geographical code : XXXX Address : XXXX XXXX XXXX XXXX # XXXX ( This address is incomplete, and again, the correct address is already included in the report. ) XXXX XXXX, XXXX XXXX Address identification number : XXXX Type of Residence : Apartment complex Geographical code : XXXX I HAVE NEVER LIVED AT THE BELOW ADDRESS and after using the drop down option of " Never lived there before, '' the following message I received was to contact the creditor who provided this information. I do not know who the creditor is. 
Address : XXXX XXXX XXXX XXXX, XXXX XXXX Address identification number : XXXX Type of Residence : Single family Geographical code : 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 2017-01-07 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have a split credit file with Experian and XXXX. I receive separate letters and credit reports either on the same day or a few days apart. Identity theft account information is not being removed. Addresses still not correct after contacting the credit agency numerous times.

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 2016-03-30 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:
I have had trouble applying for credit in the past so I have recently taken multiple steps to amend any and all outstanding issues. I found that I was able to obtain an error-free report, indicating my non-existent credit history from both XXXX and XXXX. Experian, on the other hand, has been very problematic with sending me an accurate report. I began running into trouble when I went to check my credit score and saw that there were inconsistencies between the infomration I provided and what was on their report and when making an effort to apply for credit through my bank, so I sent a request to Experian for a full report. After processing my request, I received a credit report from Experian which states entirely false information about my credit history ; there are loans and bank accounts from multiple states shown on the report which do not reflect any accounts that I currently have or locations where I have ever resided. Additionally, all telephone numbers, multiple addresses/former or currently employers and the provided social security number variation depicted are not correct. I have disputed the claim and made multiple calls to Experian in an effort to remediate these issues to no avail. In the process of disputing the report, I was sent the same form multiple times asking to provide forms of identification/bank statements to prove my identity and after responding to Experian twice with the required information, I still received the same form. I have the report attached for reference. Please let me know what can be done to rectify these issues.

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 2015-07-31 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am filing this complaint because I think what Experian is doing to me is wrong, unethical and may be against the law. 
A letter was mailed to Experian on or around XXXX/XXXX/15. 
I clearly stated my concerns to them regarding inaccurate, questionable or unverifiable information listed on my credit report. 
I also provided a clear copy of my ID, proof of my social security number and a proof of my current mailing address. 
On XXXX/XXXX/15 I received a notice from Experian stating the following : We received a suspicious request in the mail regarding your personal credit report and determined that it was not sent by you. Suspicious requests are reviewed by Experian security personnel who work regularly with law enforcement officials and regulatory agencies to identify fraudulent and deceptive correspondence purporting to originate from consumers. 

In an effort to safeguard your personal credit information from fraud, we will not be initiating any disputes based on the suspicious correspondence. 
Experian will apply this same policy to any future suspicious requests that we receive regarding your personal credit information, but we will not send additional notices to you of suspicious correspondence. 

If you believe that information in your personal credit report is inaccurate or incomplete, please visit our website at experian.com/validate dispute or call us at XXXX ( XXXX ) XXXX to speak directly to an Experian consumer assistance representative. 

However, an Experian confirmation number was not even provided on this notice. 
I can not imagine what could have possibly been " suspicious '' about my correspondence to Experian. 
I should not have to spend endless hours on phone calling the credit bureau back and forth attempting to resolve the issues on my credit report! 
I am filing this complaint because Experian will not respond to any letters that I am sending in. I 'm sure this could be a violation of my rights and Experian should not be deliberately disregarding my concerns!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 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:
This is the XXXX complaint that i have put on experian in reference to XXXX XXXX XXXX record that is on my file. I have sent several documents in and explained my situation to them on several occasions and they continue to deny the removal of the judgement. I put a CFPB complaint on them and they responded that they were not able to block the judgement based on my police report. Note that this is the same response that they gave me in XXXX of this year and they requested documents to back up my claim which I did and they refused to remove the judgement. This judgment was removed from their vendor XXXX XXXX XXXX solutions on XXXX XXXX of this year and I am attaching the letter from the vendor stating that based on my dispute they have removed all judgements and liens. Experian has not tried to contact XXXX XXXX XXXX solutions to get an updated report they continue to use the original report they pulled from when this matter started. I have come to the point where I am going to be left no choice but to hire an attorney to put a civil suit on experian because i have provided a substantial amount of paper work to them and they still refuse to comply.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-18 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I sent Experian a request to investigate errors on my report back in late XXXX. Nearly three months have gone by, and they have not responded yet. I have even sent follow-up letter, to no avail.

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 2015-08-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
There is a collection item on my credit report for XXXX. I can not even remember if I have used XXXX in the past. If I did it had to have been over 7 years ago because I have been with XXXX XXXX for so long I ca n't even remember. There is not anyway I would have left a balance with XXXX. I have not been provided with any documentation that supports this amount

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Statebridge Company
State: KS

Complaint narrative:
Mortgage Account Reported As Installment Loan to credit reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
There are XXXX different alias and XXXX social security numbers listed in my credit report that are not mine. 
I only use XXXX XXXX XXXX, XXXX XXXX XXXX or XXXX XXXX The following social 's reported are not mine : 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 2016-06-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX is listed as a separate account with a balance due for a charged off account that is still reporting beyond XXXX years. The last activity on the original XXXX account predates XX/XX/2009 and it has been charged off and taxed as income. The account balance on the original is XXXX and this attempt to duplicate it after charge off is unscrupulous.

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 2016-07-25 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 XXXX Veteran living out side the Untied States in XXXX XXXX I have paid for the Services of Experian Credit Report and noticed a few Items that are not mine I have called the Experian and was told to mail it in I asked for a fax number because they dont have regular mail here and I refuse to pay XXXX dollars for XXXX .I was told they could not provide me a fax number and those items would stay on my credit report. this Is not fair to me as a Veteran of this Country. I am a U.S Citzen but feel like a am a Undocumented Citzen.

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 2016-12-22 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I have repeatedly disputed unauthorized inquiries on my credit reports with Experian, XXXX, and XXXX in regards to inquiries by XXXX, XXXX, and XXXX. I even went so far as to send letters to the companies with the dates of the inquiries and requesting they be removed as I did not authorize them. 
From the credit bureau disputes, all I get over and over is " its factual '' and nothing is done. From the letters, I get the same thing. I have been a victim of Identity theft not once but at least 3 times. I have put security freezes on my ss number and still I have all of these inquiries. Not XXXX of these companies can show me a signature proving I authorized these inquiries and I want them removed. 
I know that there is a civil remedy available to me, however I would really rather them just do the right thing and take the inquiries off of all XXXX reports. I am not in the habit of suing people I just want it fixed. 
Please assist if possible.

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 2015-11-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The date shown as the 'date opened ' is incorrect. This date is years after the correct date and impairs my status. I need all incorrect information removed, please. The original creditor was XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07 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 Experian report dated XXXX/XXXX/XXXX reflects XXXX inquiries for credit facilities for which I DID NOT apply : XXXX XXXX XXXX on XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, EXPERIAN XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, EXPERIAN XXXX XXXX/XXXX/XXXX, EXPERIAN XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, EXPERIAN XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, EXPERIAN XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX, I XXXX/XXXX/XXXX and XXXX XXXX XXXX XXXX/XXXX/XXXX., XXXX XXXX XXXX/XXXX/XXXX. I suspected identity theft and have put fraud alerts on my credit reports with each of the XXXX credit bureaus. In the meantime, these inquiries need to be removed from my report as they were fraudulent. I reported them as fraud to Experian on XXXX/XXXX/XXXX but they have failed to remove the above listed fraudulent inquiries even though they placed a fraud alert on my report. These inquires are causing harm while looking for employment as they show as though I have applied for credit which I did not.

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 2016-07-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the XXXX " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

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 2017-01-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX was once deleted on all three credit reports ( experian, XXXX & XXXX ) and now i see that they are back. Please delete XXXX XXXX from all XXXX bureaus because it 's now holding me back from purchasing my brand new home. The bank gave me 30 days to work on having XXXX XXXX removed from all three credit reports before they make their final decision on my loan application. Please honor my request so i can finally move my family into our brand new home. Thank you in advance!

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 2016-10-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I received credit card information in the mail in XXXX and called XXXX stating that I did not inquire about opening an account. Fraud alert was implemented on my name/SSN. The day that the alert expired, a new account was opened in my name and {$4300.00} was charged to new account. I find it suspicious that it was opened on that date and I was not notified. I found out that my identity was stolen because I received a credit card in the mail ( again ) and checked my score. After obtaining a free credit report, I checked the accounts and saw the fraudulent account. I have closed the account and have opened another fraud alert on my information with all XXXX credit bureaus. I want this taken care of quickly and smoothly.

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 2015-08-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XXXX thought that Experian had removed XXXX credit files from my credit report because I was told that the creditors would remove them, and disputed them also, but they are still there. 
The other XXXX credit bureaus removed them without a problem and I just want them off of my report without having to keep having to deal with such a hassle. 
The accounts are1. XXXX Account # XXXX am typing them how they come up on the report. 
It shows as being opened on XXXX. XXXX XXXX XXXX Account # XXXX shows a date of XX/XX/XXXX and a balance of $ XXXX.-But the date shown is the date I think it was sent to collection because it was many years before that. This was also from either XX/XX/XXXX or XX/XX/XXXXPlease can you assist me with this, thanks so much, XXXX

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