vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-04 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 have disputed XXXX accounts with Experian for identity theft, I have submitted the same paperwork to each of these XXXX creditors as well. I have submitted an identity theft affidavit as well. Experian has not removed these XXXX accounts for XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX yet. They have investigated and just say that it was verified. This was identity theft so ever who did it gave my information, no one has ever produced any signatures that was needed to have the account opened either. This has been hurting my credit. My next step will be to pursue claims against XXXX and the XXXX creditors in court. I am trying to avoid that as I am 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 2017-01-23 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 disputed with Experian and XXXX for an unverified and inaccurate account in regards to an account with XXXX. They both returned verified without proper verifying documents such as a signed contract, ID, SS card, or other concrete verification. They both completed their investigation but failed to see the inaccuracy and inconsistent information of what is being reporting. All XXXX bureaus are reporting different information. I mentioned this in a correspondence with XXXX and again they did not properly investigate. In compliance with the FCRA 623 ( a ) ( 8 ) ( D ) I am requesting accurate information be reported and both parties have failed. It is my understanding that Experian make money for reporting information and the lower my score the more they make. As long as they verified information and the accuracy of it, they can continue to report. Well I have proof that the information is inaccurate and also unverified. XXXX correspondence is contradicting what they are reporting. It also states they verified my identity through an email address and online application. I want my creditworthiness to be restored! They need to report accurate and consistent information. Also completely verify my identity before including this information on my report. Verifying my information with an email address, an online application, and billing statements are not verification. I have not received a thorough investigation from Experian or documents requested of verification. The documents I received from XXXX are clear that the delinquency dates are not accurate, the amounts paid and received are not accurate, and the identity verification is not accurate. Due to their failure to complete the investigation and report accurate information, I 'm requesting this to be deleted permanently from my file.

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 2016-08-11 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: MO

Complaint narrative:
Whenever I go on a website that lets me check my credit score, it says that they ca n't access my credit score. I 've tried XXXX and experian, but they said the same thing that they ca n't access my credit score. I type in all the information they ask for, but it still wo n't let me see my credit score.

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 2016-03-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I 'm submitting a complaint against all XXXX bureaus ( individually ) due to the failure to investigate and process my disputes. I have notified them that the information that they are reporting on my file is not correct and I have yet to see more than XXXX updates in the past 5 months. This is absolutely ridiculous and they are a farce of a company just pulling in money for reporting inaccurate information. I require a full investigation and for the information that I have disputed with them to be processed, updated or removed within the 30 day time period or I will have no choice but to make a complaint with the Texas Attorney General as well as make a press release that details how they have failed to investigate my disputes.

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: TX

Complaint narrative:
I was trying to get my free credit report..but it came upon some security question, that none of those questions were related to me at all..How can i fix this.

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: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Received notice of an account that was {$1800.00} and in collections. This account was for Cable and internet service XXXX XXXX at an address in XXXX XXXX. I moved to XXXX in XXXX XXXX to start a business and we have lived in XXXX since then. I never lived at the XXXX XXXX, XXXX, XXXX address where services were established. 
I had been a previous victim of credit fraud so I had a 7 year freeze ( XXXX military ) placed on my credit and this account was still opened without my knowledge or approval. Both the credit reporting agency and the service company tell me there is nothing they can do. This is a verified account. How is this so if I did not even live in the state at the same time and never gave permission. I called the police to get a police report and was told here in XXXX they can not do a report because it happened in XXXX. XXXX says they can not do a report over the phone. 
We are trying to buy a house and this is hurting our family. What can we do? 

Thank you for your attention,

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 2016-08-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
My birth year is XX/XX/XXXX not XX/XX/XXXX The incorrect year is due to XXXX XXXX putting a XXXX bill in my name on XXXX XXXX XXXX XXXX In 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 2016-03-19 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX SS # XXXX XXXX XX/XX/XXXX XXXX IS DISPAYED INCORRTCY AND IT HAS BEEN OVER 30 DAYS AND STILL THE INORRET INO HAS NOT BEEN DELETD FROM MY CREIT REPORT. 

DRIVERS ID AND UTILITY BILL AND SS CARD IS ATTACHED DO NOT SAY YOU DO N'T HAVE MY ID

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 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 have requested investigation several times via certified mail ( I have receipts ) regarding inaccurate intems that appear on my credit report. They have yet to provide me with ANY written documents proving how they verfied the accounts in question. I recently received a response from them stating that they would not provide me with, correct or remove items that they have not actually verified as accurate according to the law. Specifically, the company XXXX. Information the my credit report is showing that the account is in Bankruptcy ( Filed Chapter XXXX Bankruptcy on XXXX XXXX, 2016. ) Please see attached documents. This is currently showing as a negative account on my credit report. 

There are also several XXXX XXXX accounts that I disputed as well as XXXX XXXX XXXX that have not be verfied at my request and are still appearing on 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 2017-03-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There is an account listed on my Experian credit report as XXXX. This company is re-agiing the debt so that it stays on my credit report longer. There has already been accuracy issues with the account and it was properly removed from my XXXX file. I have disputed the re-aging issue and Experian has not resolved the issue. They sent a letter stating new information below, which has not addressed the issue.

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 2015-05-02 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:
a company made a hard inquiry on credit report on XX/XX/2014 i never gave the company permission or had any dealings with them for employment or financial i contacted experian who said it was valid inquiry and provided with the company 's phone, i attempted to contact them and the number is not in service the address provided as well is also incorrect the post office returned mail addressed to them. i now feel the company does not exist and this could some of fraud or identify theft on the company that pulled my credit report without permission

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-15 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:
The following is inaccurate and a result of ID Theft and must be blocked under FCRA Section 605b. 
1. XXXX XXXX ( Credit Inquiry ) 2. XXXX ( Credit Inquiry ) 3. XXXX ( Credit Inquiry ) 4. XXXX XXXX ( Credit Inquiry ) 5. XXXX XXXX ( Credit Inquiry ) 6. XXXX XXXX ( Credit Inquiry ) 7. XXXX ( Credit Inquiry ) 8. XXXX XXXX ( Credit Inquiry ) 9. XXXX ( Credit Inquriy ) 10. XXXX ( Credit Inquriy ) 11. XXXX XXXX XXXX XXXX ( Credit Inquriy ) 12. XXXX XXXX ( Credit Inquriy ) 13. XXXX XXXX ( Credit Inquriy ) 14. XXXX 15. XXXX Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX SSN : XXXX DOB : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-08 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:
This is the 2nd consumer protection request! I received an alert from Experian that I had a new account reported from University XXXX. I have no affiliation with this university. I attempted to contact the University XXXX XXXX XXXX XXXX XXXX and I was told that I was not found on their system. Then I tried to call a few more times and was told that they think they found me on their system but that they could n't provide me with information on the account because I was never a student at the University XXXX XXXX. I have tried to reach every single department possible and no one has been able to help me. They all tell me the same answers. I then contacted Experian and filed a dispute. An agent at Experian in the special services department tried to call the University XXXX XXXX and they were not able to find any information that matched me on their system. I asked if this was sufficient verbal confirmation to remove this account from my credit file and I was told it was not. I am buying a house and I need this resolved as soon as possible. I have disputed this account two times with Experian and they have not handled my request. They received a response back from University XXXX XXXX stating that I need to contact them yet I already have. Please resolve ASAP.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
Experian is not responding to any of my requests to investigate, verify and remove accounts from my credit report that do not belong to me.

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 2015-09-13 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:
While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XX/XX/XXXX on XXXX. I did not authorized anyone employed by this company to make any inquiry and view my credit report. 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 have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XXXX in case it is needed to locate the fraudulent inquiry in their system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please help as account # XXXX has been reinserted on my credit report for the third time and the dates have been changed. The first time this account was on my credit report under " XXXX XXXX '' # XXXX and was deleted. Now, the same account is showing up under " XXXX XXXX '' # XXXX with changed dates. Please have this account removed off my credit report ASAP as if violates the Fair Credit Act. 

I have provided supporting documentation for your review.

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 2015-10-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
this was inserted into my report by the bureaus just recently the electric company has not updated since 2012 i called the electric company they said they dont have a record of this it is an error with the bureau. i have not paid this account late ever. it is impacting my score in a major way. i am attaching XXXX reports to show how it changed from one day to the next and not on reporting dates.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18 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: MA

Complaint narrative:
I was attempting to access my free credit report via annualcreditreport.com and requested it from XXXX XXXX, Experian, and XXXX. When the website prompts asked for my personal information, it came to a questionnaire about existing loans, accounts, etc. A few of these questions were about a home loan, auto loan, and jeweler 's account that I have never opened. Since I was unable to answer questions about what organizations held these accounts I could not access my report. These questions indicate that it is likely someone has access to my personal information, including my social security number. Because of my concern for this, I need immediate access to my credit report to gather more information and potentially file a claim. I am asking XXXX XXXX, Experian, and XXXX to send me my credit report, preferably online, immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I had a bankruptcy more than 15 years ago. It has not been taken off my credit report as it should be after so many years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-19 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 initiated several disputes with this credit bureau in regards to fraud on my credit report. Last year I noticed some fraudulent activity and went through your ( FTC ) website for information. It instructed me to fill out and have notarized an FTC Fraud affidavit. I 've sent the Affidavit 3 times with all supporting documents. Also I 've sent the FTC Fraud affidavit to the collection agencies. In the documents I am attaching today you will see when and where the bureau received my documents/letters. 
This has all been hard enough, and with this credit bureau not doing their role to protect the consumer it 's very disheartening. I 'm hoping with you help I can get this resolved for my family. Thank you for being a voice for the consumer.

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 2016-03-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently reviewed my Experian Credit Report. Since XX/XX/XXXX I have been disputing XXXX accounts, XXXX XXXX XXXX ( Account # XXXX & XXXX ). On my Experian Credit Report these XXXX accounts show no payment activity and or transactions. Furthermore, the XXXX accounts are more than 7 years old. ( # XXXX - XX/XX/XXXX & XXXX - XX/XX/XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-01 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WI

Complaint narrative:
Recently, I filed a dispute with XXXX in regards to my XXXX XXXX XXXX credit card. XXXX was reporting the account on my credit bureau twice and had an incorrect balance ( {$14000.00} ). On XXXX/XXXX/XXXX XXXX sent an update to the bureau 's that removed XXXX of the duplicate accounts from my credit file, however the failed to update the correct balance and payment history on my account, but put that the updated information was as of XXXX/XXXX/XXXX making it appear to other creditors that I had not made a payment on my account since XXXX of XXXX resulting in my account being 4 months past due. This caused another lender to significantly reduce my credit line less then 48 hours after the update XXXX sent to the bureaus. I called XXXX to get this resolved, I spoke with XXXX representatives from the XXXX XXXX XXXX ( XXXX XXXX XXXX ). Both informed me that I needed to fill out there disputes form and mail it in with a complete copy of my credit report. I informed them that I have already filed the dispute with the credit bureau directly and that under the fair credit report act / FACT ACT I have met my regulatory requirement in filing the dispute and that I do not have access to a printer. In order for me to complete there form and send them my report I would have to travel XXXX minutes to the nearest FedEx to print the form and report which is XXXX pages long which would cost me near {$10.00} in just printing charges and then additional charges to ship it, not to mention the XXXX hours I have now spent on the phone trying to get this resolved and an additional XXXX minutes each way just to the store. This is highly unacceptable. I have met my legal requirement to get this matter resolved. I scanned into there system the paperwork and evidence that they require for resolution which is above and beyond the legal requirement to get this corrected. They have caused adverse action to be taken against me within XXXX hours of there mistake and could cause additional adverse action to be taken that XXXX not be reversible. I am already being told that additional inquiries will be necessary in order to reverse the adverse action once the correction has been made by XXXX which will further deteriorate my credit score. 

XXXX made not XXXX but XXXX mistakes, and after following the proper legal course of action they do not wish to own up to there mistake and fix it with out causing additional delays and potential damage to me. No other financial institution has this requirement, it is not a requirement mandated by any law. They need to fix there broken process and correct there error immediately.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation