vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-17 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:
Fraudulent accounts/Identity theft- XXXX XXXX-XX/XX/XXXX XXXX- XX/XX/XXXX Fraudulent inquiries-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 2017-03-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I HAVE DISPUTED THESE ITEMS TO BE REMOVED BE OFF MY CREDIT REPORT AND IT SEEMS AS IF THEY REFUSE TO REMOVE THE ITEMS OFF MY CREDIT REPORT FROM ALL OF THE 3 OF THE CREDIT BUREAUS AFTER ATTEMPTING TO DISPUTE MULTIPLE TIMES. I HAVE SUPPORTING DOCUMENTS THAT SUPPORT MY CASE.

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 2015-06-29 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:
Experian shared my private information on XXXX different times with XXXX different agencies. XXXX was XXXX XXXX in XX/XX/XXXXXX/XX/XXXX, and XX/XX/XXXX .Number XXXX was XXXX XXXX XXXX in XX/XX/XXXX XX/XX/XXXX.The XXXX XXXX was XXXX XXXX credit department.They shared my private information without my consent..im very upset about this. they have no right to share my private info without my consent thats my complaint.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-12 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
This instance is regarding an access inquiry made by XXXX, XXXX to my personal financial information on XXXX/XXXX/2016. I immediately contacted XXXX regarding the inquiry since I have not applied for any new credit and have no active accounts with them. I held a previous account with them which was completely dissolved several years ago and have no standing debt issues outstanding with them. Upon contacting XXXX, they informed me that they had no record of making the inquiry and that there is no new account that had been opened. They would have to send a letter requesting them to remove the inquiry. I contacted Experian and they stated that it could not be disputed and that XXXX would have to notify them to remove the inquiry. However, XXXX stated they have no record of making the inquiry and I would have to send a written letter to them with detailed info to have them remove the inquiry. However, from the looks of internet info, there are apparently a lot of individuals having unauthorized inquiries made to their confidential personal financial information by XXXX. Do you have any information regarding any ongoing investigations with XXXX regarding these types of unauthorized inquiries to personal financial information? Also, would you be willing to investigate this unauthorized inquiry made by XXXX to my personal financial records?

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 2015-05-28 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Here 's my experiance : About two weeks ago, I logged on to Experian, put in my sensitive personal information, and was given the choice of spending about {$30.00} to get ALL XXXX credit reports, or spend NOTHING, and just get the Experian report. OR ( and this is what I did ), I could pay a BUCK ( {$1.00} ) and also get my FICO score, which one does not normally get with the free report. 

So that 's what I did. Except, in tiny letters, it says, " Includes 7-day trial membership ... '' It does n't say that there 's a COST associated with it. Just that you 're automatically enrolled. And there 's no way to opt out before paying that {$1.00}. 

But there IS a cost associated with it. It 's {$19.00}. However, I just found out that cost 2 WEEKS after I thought I had gotten my credit report and FICO score from them. It finally showed up on my on-line bank statement a day or two ago. By the way, when I got the " Welcome to the club! '' email from Experian, it still said NOTHING about the cost, or that it was a recurring monthly cost. 

So I called Experian 's customer support. Experian says you can cancel. So I did. We shall see if that " takes. '' I give them a XXXX/XXXX chance. 

They also say that you can be refunded your " prorated amount when you cancel. '' That has turned out to be a lie, since they repeatedly refused to refund me ANYTHING. 

But I never agreed to $ XXXX/MONTH, and there was no " Opt Out '' feature when I thought I was paying {$1.00} for the FICO score XXXX Therefore, I demanded full reimbursement. They refused. 

What I wound up doing is calling my bank, and disputing the charge. Also, contacting Experian 's billing department to demand full reimbursement. 

And I figured YOU guys might be interested, since ( from a XXXX article ) : '' In XXXX 2005, Experian accepted a settlement with the Federal Trade Commission ( FTC ) over charges that Experian had violated a previous settlement with the FTC. The FTC 's allegations concerned customers who signed up for the " free credit report '' at Experian 's Consumerinfo.com site. The FTC alleged that ads for the " free credit report '' did not adequately disclose that Experian would automatically enroll customers in Experian 's {$79.00} credit-monitoring program. " Thank you for your time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Experian send out a new report this time they add middle Ination I Never Had One.First it was my address now it read XXXX Can They Please Have My Correct Name And Address XXXX OR. XXXX 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 non-monetary relief
Consumer complaint received 2016-12-11 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 XXXX collections showing on my credit report that was unauthorise XXXX XXXX XXXX and XXXX XXXX and inquries that I did n't authorize that im having trouble removing. I put an fraud alert on my report and I also have police report in regards to the items. but no reponse.

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 2015-06-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
My equity line from XXXX XXXX ending in XXXX was reported XXXX X late when it was paid and posted within 30 days. The XXXX reporting showed a statement that it was due on the XXXX of the month. Payment was made on the XXXX day. I have written all XXXX credit bureaus more than XXXX times for the same reason furnished statements and today even talked again with a " executive to the President '' person who called me after complaining about the bank on this site. The banker informed me today that indeed XXXX of those payments was received on the XXXX and processed on the XXXX so they were going to correct that reporting. However the same representative indicated that the payment had to post or be received on the XXXX not to be 30 days late. That same banker also indicated that the statement which I will attach has no meaning even if it indeed says payment was due on the XXXX of the month.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13 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:
Experian failed to follow Fair Credit Action 605b and block the info that is the result of id theft. This is my 4th request and I am including the FTC Theft form completed, Police Report, Drivers License, SSN card and proof of residence! Please block the XXXX XXXX XXXX account it is a result of ID Fraud!!!!!!!! Please review all attached documents and the FTC is n't signed because its an automatic report to the police I did but the police report is included as required under FCRA Section 605b.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have a leeter from my lawyer and the court stating that they do not report my information, and the information being reported is not mine, mine bankruptcy is still pending, so the wrong information being reported. I would like it removed. I have also included a letter from the FTC about public records being sold to the credit companies

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Just initiated a credit report from Experian and found a residential address not belong to me. XXXX made credit inquiries on me on XXXX/XXXX/2016 the same day someone created an Social Security Administration online account and used my personal information.

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 2015-07-20 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XXXX XXXX I personally mailed Experian a request to investigate XXXX negative accounts I had listed on my Experian credit report. On XXXX XXXX they mailed me a letter stating that they deemed my request as " not sent by me '' and that they were not going to complete the requested investigation. I contacted them by phone to explain that it was sent by and to request instructions on how to prove that it was sent by me. Their response was that I could n't prove it and all I could do was to resend the same request. I explained that if I resend the same request I will probably get the same denial. I sincerely feel that this is nothing more than a stall tactic on their part. They are not allowing me to dispute items on the credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 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:
Experian is reporting fraudulent inquires on my credit from companies listedXX/XX/XXXX XXXX AND XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX SHOWS XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX / XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-30 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: WA

Complaint narrative:
For a few years, I have not been able to get Experian to supply my credit report. I 'm not able to pass the verification process for just that report and I presume because of identity theft of some kind.

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 2015-07-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I 'm a victim of Fraud. I am a victim of ID theft. The dismissed Bankruptcies were fraudulently filed under my name, without my knowledge or consent. These items were incurred by company whom I had hired XX/XX/XXXX for help with modifying my home loan. I neither authorized to file a Bankruptcy on my behalf, nor was I made aware that that were doing so. My signatures were forged on the BK paperwork, I would only find out about this issue after this company had gone out of business XX/XX/XXXX. 
This case was referred to the attorney general 's office who suggested I file an ID theft report. Hence, a Police Report with XXXX PD and also a Federal Trade Commission ID theft report for the fraudulent dismissed bks and forwarded it to the credit bureaus. As required by law XXXX of the bureaus blocked the information from my credit report, whereas Experian has persevered with reporting the fraudulent bks on my credit report. In my last conversation with Experian on XX/XX/XXXX, they claimed they reached out to the court and the court asked them to keep the information on my credit report, then when I asked who at the court they spoke to, I was told that it was not a third party vendor. More perplexingly, after that the representative told me Experian will under no circumstances block the fraudulent information from my report and I have to go to court and get a judge to authorize the removal of these accounts. I am absolutely at my wits ends here, as it bad enough suffering the traumatic experience of being defrauded and now as a victim of fraud I 'm not being afforded my legal rights. 

Attached Please Find : The filed Police Report with XXXX Police Department, The Federal Trade Commission ID Theft Report and Affidavit. Experian 's response refusing to block fraudulent items.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I noticed that on my credit report there were accounts reading as " in-dispute ''. While I did ask for more information I never said I disputed the information they sent.

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 2016-08-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
On the personal information for my credit report list a home address of XXXX XXXX XXXX XXXX XXXX Ohio XXXX. Id number XXXX. I never lived at this address. Also i have never used the name XXXX. id number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
The credit bureau is reporting me as deceased. When i tried to go and dispute it, I answered the questions wrong. They asked about a mortgage I did n't even have. The rest of the questions I answered were correct. I am now locked out.

Company public response: Company 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 — Account status
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
The Experian credit report says I have a delinquency in 2012 on my student loan. This is a mistake because I have never been without a deferment. 
Furthermore I am in my third and final year of the forgiveness process.

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 2016-01-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX continue to report a zombie debt as active. Also XXXX XXXX XXXX over the past ten years have reported inaccurate information to Experian Credit bureau and refuse to remove this item after several attempts of dispute process. The State of Limitations on this alleged debt, even should it be ours, is 7 years in the state of ( California ). Since the debt is out of the statute of limitations, this needs to be deleted from my report. XXXX XXXX XXXX continues to notify Experian of debt as being charged off with a balance showing {$780.00} owning. XXXX XXXX XXXX continue to report different dates of reported debt open, and status of date of removal to be now XXXX 2019. 
provisions in the Fair Debt Collection Practices Act ( FDCPA ). XXXX XXXX XXXX has violated provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the alleged debt to the credit bureaus. The exact statute : [ 15 USC 1692e ] ( 2 ) The false representation of -- ( A ) the legal status of the alleged debt and ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 

XXXX XXXX XXXX has caused great harm to my credit report and over the past ten years has been very stressful.

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 2016-03-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Cornerstone Home Lending Inc.
State: TX

Complaint narrative:
I requested a deed in lieu with Cornerstone mortgage in XXXX of 2015. I was instead sent paperwork for short sale however the house had been listed from XXXX 2015 until XXXX 2015 which is more than the required 90 days and provided documentation to that effect. I have sent the deed in lieu packages certified mail at least four times as recently as XXXX XXXX per the request of a Cornerstone representative only to be told by another representative on XXXX XXXX that full sets of documentations have never been received and as a result, the property is scheduled for foreclosure. She went on to acknowledge that although my latest package was signed for on XXXX XXXX, Cornerstone did not record receipt into the " mixed mail '' bin until XXXX XXXX and in the interim my file was closed. Further, she requested that I send yet ANOTHER package in order to have my file reopened for deed in lieu consideration. I have made numerous calls to Cornerstone 's loss mitigation department and each time I have been told that I am not allowed to directly speak with the underwriter and that my request will be changed from a short sale to a deed in lieu request. With each phone call and representative I speak with the story changes regarding which documents are required. 
I feel like I 'm in a situation similar to the movie the XXXX, where the insurance company continues to acknowledge/deny the request until the patient dies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have repeatedly notified Experian that they are sharing my credit report without my permission. They refuse to remove the unauthorized inquiries. XXXX XXXX Date of request XXXX/XXXX/2015, XXXX XXXX Date of request XXXX/XXXX/2015, & XXXX XXXX XXXX Date of request XXXX/XXXX/2015 are all unauthorized inquiries. Finally, they continue to report erroneous data that I have an account with XXXX XXXX that was late and a charge off with the XXXX. These are not my accounts.

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 2016-06-10 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:
Most of the information on my credit report are incorrect from balance to creditor to timing of my payments to my address there nothing thats accurate about my credit report it need to be change they have XXXX different name for me XXXX different address XXXX different phone number

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 2015-11-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have disputed this entry for more than 2 years now. Experian, XXXX refuse to remove this entry even after I sent them evidence that this account should be deleted. XXXX XXXX

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