vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-18 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have and inquiry on my credit report that I didnt authorized on XXXX XXXX 2016. 
the company name is XXXX/ XXXX. they are mortgage reporters that is the explanation. 

i am not applying for a loan please remove this inquiry. i am not familiar with this company at all

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 2015-05-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I paid my Tax Lien that was filed by the state of California and the lien has been released for several years now. I contacted the state office and asked them how to remove the lien of my credit but they keep referring me to the XXXX credit bureaus. I ha XXXX filed a disput with all XXXX credit reporting agencies several time but they will not remove the released lien. The credit agencies keep telling I have to contact the state. I feel like I 'm going in circles and can not find a solution. 

Please helpThank you, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
There is a collection from XXXX on my file for {$2200.00}. This bill is not reported correctly. There where XXXX people signed to this lease with all of SSN and any addiontal information they needed to give us this place to live yet under the terms Responsabilities it states Individual which clearly is inaccurate. that would mean we should be splitting this amount XXXX ways which should be {$560.00} individually. I 'm afraid this creditor is trying to report for payment from all XXXX individuals at the amount of {$2200.00}. If we all paid that the creditor could make up to {$9100.00} dollars. This is incorrect and something needs to be done. They wo n't respond to me

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Experian Information Solutions Inc.
State: VT

Complaint narrative:
I have disputed the information but have not heard back from Experian as of yet. I was turned down for my vehicle loan because Experian put XXXX Fraud alerts on my credit report. I did not request for them to do this, they apparently took it upon themselves to put the Fraud alerts on their themselves. This was very embarrassing and I have not been extremely upset about the situation. I have asked them to remove this immediately as they have addresses listed that I never resided at, companies that I have never even worked with and phone numbers I have never had, etc. Can you please assist with this matter.

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 2016-06-15 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX ( my credit card company ) was to provide an Experian score every month. Experian has consistently reported an erroneous score ( XXXX points shy compared to XXXX and XXXX ) and punitive in nature since my inquiries to CFPB ( above case reference ), and currently did not provide any score even though XXXX XXXX has reported to all of the credit reporting agencies on XXXX/XXXX/2016. Upon review, all the credit agencies should have the XXXX information ; so why does Experian have an XXXX point difference?

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 2016-10-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have a address on my report and I have never lived in XXXX ca

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 2016-11-09 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:
Experian is reporting wrong information regarding credit inquires that I did not authorize. Experian is the only credit bureau reporting this 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 explanation
Consumer complaint received 2016-02-11 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Although it has taken longer than anticipated to find the info, as indicated previously Experian has not complied with the class action settlement of 2014 ( XXXX Experian Information Solutions , Inc. ) which entitles class members to the free Credit Monitoring Product for a period of 3 years. 

Class Counsel : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX Additionally, although I recently received a credit report ( from your efforts ), it did not contain my score ; as it should have if for no other reason than to show good faith for not providing free Credit Monitoring for over a year since the settlement.

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 2015-08-12 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: VA

Complaint narrative:
ssue Unable to get my credit report or credit score : Problem getting my report or credit scoreDescribe what happened so we can understand the issue ... 

I am an XXXX Service Member in the United States XXXX XXXX. I attended the financial briefing in preparation to separating from the military. Following guidance from the XXXX XXXX XXXX, I attempted to obtain all XXXX credit bureau reports and my FICO score. I am unable to locate any information when I contact the bureau 's to include FICO score. I was told that I need to create a profile. I am a member of XXXX XXXX, and I have received a score thru XXXX, therefore I am unsure as to why I can not directly obtain from the websites.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-28 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: OR

Complaint narrative:
I went to sign in at annual credit report .com and in order to get all three reports i have to answer XXXX questions per a report. XXXX XXXX was fine. The next report I tried to get had XXXX questions, the XXXX question stated I had a mortgage and a loan amount. I do not have a mortgage and no monthly payment. The XXXX time I tried I selected the option ( none of these ) I failed to get in. Then I tried again and got locked out. I can not get my credit report because a mortgage with an unknown bank is on my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
There are accounts open dating back to 2010, home loans and credit cards open under my information. I was in XXXX school at that time therefore have not opened a home loan, recently became an adult, i have never started my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 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 my requests to investigate and remove accounts that do not belong to me from 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 2015-06-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I went to try to get a car loan and when they came back to tell me there is a credit company that said it is still going on since 2010. This is the bankruptcy courts which i never went through with the bankruptcy. This should say dismissed since i did not go through with it. I called the attorney XXXX XXXX in XXXX and nothing was done. I paid them and never got my money back cause i was going to go through with it but when he told me it would cost more we did not go though with the bankruptcy. I called the Federal building in XXXX XXXX, Pa and they told me they can not do anything yet i was on my credit report

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

Complaint narrative:
I am a victim of Identity Theft I sent Experian an I D Theft report and they have not responded to me in in over 60 days this is beyond the FCRA allotted time frame. Experian is also reporting the same account ( XXXX XXXX XXXX ) XXXX under XXXX different account numbers

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 2016-02-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I received the response from XXXX that they had corrected that this amount was not owned, but Experian still has it reflected as negative information. The corporate office of XXXX responded and apologized and they keep soliciting me to be a customer, but Experian has not updated and corrected this information as it was not a charge off, and there is not a {$360.00} that is still owed. Experian really needs to be investigated for this type of behavior and contact the company for solid verification.

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 2016-02-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My concern is that I notified Experian last year sending a certified letter stating that my personal information was stolen from XXXX and the XXXX of XXXX management. I recently noticed that Experian is listing XXXX Inquiries within the same period of time in XXXX. I sent them a letter explaining to them that I did not authorize all those inquiries and they should removed. I recently on XXXX/XXXX/XXXX pulled my Experian report and found that the XXXX Inquiries are still there and not have been removed. I also noticed that a account XXXX acct # XXXX is still being reported and should 've been deleted like the other XXXX reporting agencies XXXX XXXX and XXXX have deleted. Please assist me in correcting this error by Experian. I tried to dispute this item on line with Experian but they would not allow me to dispute, which is my right.

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 2016-02-24 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:
I was denied a equity line of credit by XXXX by Experian.XX/XX/2015. 
1.Experian states insufficient number of accounts paid as agreed. My question which accounts are they talking about and simply address them and not XXXX pages. 
2. Installment loan delinquency. Which one/s and address them singly 3.They state public records. They do n't know what the circumstances of these bear. 
Paid one have circumstances that a Judge may have felt was better than wasting the Courts time.XXXX XXXX was a section XXXX tenant on crack cocaine.To continue in court for a judgement would have resulted in no collection. So time to file against her after getting a judgement lapsed and i paid her to move. 
4.XXXX XXXX Attorney . Handled a case against XXXX XXXX Attorney who was my partner in a real estate property. In a settlement his fee was overlooked and he purposely filed this claim. He was paid in full. 
5. Experian states past or present credit obligations. I want the list/s that they are referring to and not XXXX pages. If XXXX is XXXX XXXX they are under review with The California Dept of Justice. 
Also i want to know how Experian rates the different causes o late payment, loan delinquencies, public records, past and present credit obligations. As it seem each reporting agency differs and reflect in your scores different. There is no across the board scores and what is the system that Experian uses and why are the years that are reflected on reports computed.

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 2017-01-20 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 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 2015-04-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have a significant issue with XXXX XXXX in connection with my former account, which impacted another separate XXXX XXXX account ( which XXXX cancelled although there were no overdue or outstanding payments ). XXXX has clearly erred in providing my account information to an unauthorized third party, or permitting this third party to obtain information about me. This is both improper and illegal. This third party made several attempts to contact my brother, an XXXX Gold Card holder, about my account, and made dozens of illegal calls to me in an effort to collect payment. To end this dispute, on XXXX XXXX, 2015 I sent to XXXX a letter by certified mail with a check for {$1500.00} that was expressly conditional upon XXXX accepting this " full and final payment '' to settle the account. XXXX cashed the check and then claimed that they were not bound by the terms of the letter and the check ( the latter of which expressly referenced that this was for " full and final '' payment for this account ). XXXX 's failure to acknowledge that they have accepted my settlement offer, and failure to advise the credit reporting companies that this dispute has been settled, adversely affects my credit score and could prevent my wife and I from obtaining a home equity loan/second mortgage for our home ( for which we are now submitting an application ). Having accepted my offer to settle this dispute, XXXX must a ) acknowledge acceptance of the settlement and b ) advise all credit reporting companies immediately that this settlement has occurred and expunge from my credit records any assertion of non-payment or late payment in connection with this account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I had requested a credit card with XXXX. XXXX approved the request and issued a credit card. When I saw my credit report information there were XXXX inquiries from XXXX Bank. I contacted the Bank and asked why they had XXXX inquiries on my report and asked they remove them. Instead of removing the excess number of inquiries, I checked my report and they had reported that ( had reported the credit card as lost or stolen. I informed them that I had not reported the card lost or stolen, but that I wanted to close the account completely. They then caused there to be a second report of a lost or stolen credit card. I advised them that this was untrue and to correct the problem. They did not correct the problem, but did cancel my account, as I did request. NOW I have several inquiries and XXXX reports of lost or stolen credit card. This has caused my credit score to plummet from XXXX to XXXX points. I want the entire matter cleared from my credit reports and XXXX Bank is not responding to my communications. Please help. I am very stressed that my credit score has been changed from XXXX to XXXX points and want to correct the matter so that my credit report is not impacted. When I asked them to close the account, they replied " then your credit score will decrease further '', as if they were threatening me. I asked it be closed anyway, as I did not consider them fair or helpful. Now I have a terrible credit score, all because they fraudently reported that the card had been lost or stolen. I never reported that. I had received the card and it has always remained in my possession. Can you help me get them to undo the damage they have caused? 

Please help me. 

Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXXXXXX

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 2017-02-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have repeatedly asked for nuisance collection accounts on my credit report to be removed, but they are refusing to do so under some arbitrary policy. The accounts are worth {$12.00} and {$51.00} respectively. Both are insane amounts and should n't be used.

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 2015-07-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My credit report states that I lived at an incorrect address. It stated that I lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have never lived at this address or even lived in this state. I have made a police report and notified the federal trade commission as well as contacting the credit reporting bureau myself yet it is still reflecting on my report. I can provide documentation that proves I was living in XXXX at the time this address was added to my report as well as any account opened with this associated address

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-23 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
sent in XXXX certified notarized letter and was ignored I did not authorized any of these inquiry and Experian has not right to update an account that over 10 years old via fcra please remove the following ( 1 ) XXXX XXXX, XXXX, XXXX, XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( 2 ) XXXX XXXX XX/XX/XXXX ( 3 ) 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 explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
There is a public record listed on my Experian credit file which is a FEDERAL TAX LIEN Docket # XXXX which is NOT mine it is my fathers I have never owed the IRS. This is very inaccurate information and untrue and I want this remove ASAP

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 2015-07-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have been a victim of identity theft in 2002 once i been came XXXX. My purse was stolen that had mi bank account information, social society card, birth certificate, driving licence,. I file police report and close my bank. It have been many many checks written out in my name and number loans, cell phones account been open in my name, cable bills in my name student loans n my name. All items are unpaid and on my credit report and under my driving licence. I have contact all XXXX credit bureaus along a credit repair XXXX and ask all XXXX credit bureaus ro remove all negative items off my credit report. They have yet to remove items. Saying all items was mines. So ask someone please ask them to remove these items. Some items been over the XXXX year time frame. They have my credit horrible saying thing like i have charge off account and account not paid as agreed. I 'm XXXX years old XXXX mother and i ca n't get anything for the things that on my credit report that not mines.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation