vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I sent a letter to Experian letting them know I had been a victim of identity theft years before the accounts had even showed on my credit report and I provided my supporting documents and police reports made about the identity theft and Experian refuses to delete the fraudulent accounts from my credit report stating in a letter its verified. Experian provided no physical evidence to why they wo n't remove it, according to the FDCPA and FCRA they have violated the law and I am well within my legal parameters to file a civil suit along with defamation of character against them. If they do not delete these accounts that are not mine that resulted from identity theft I will exercise my legal rights and file a civil suit. The accounts that came from identity theft are listed below also here is my Credit report number : File Number Put ACCOUNTS HERE!

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 2015-08-25 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:
No I have n't disputed anything with Experian because all the credit bureaus are doing the same thing. I just got a copy of the above report. It shows XXXX Inquiries, of which about XXXX of them I had no knowledge. I did n't ask for credit from anyone. I did ask for a lower rate from the XXXX credit card I have, XXXX XXXX. As far as " preapproved credit offers '' go I 've never in my life received a true pre-approved offer. These companies scan my credit to see if I 'm worthy of their solicitation. Then when I ask about it, they say now we have to run your credit to see if you " qualify ''. So there is NO firm offer of credit with those solicitations. They are using this ok from the government to look at my credit for illegal purposes. I have XXXX company that I am licensed with to sell insurance for that runs my credit whenever they feel like it. Yet, I am not given nor ask for any credit from them. This is outrageous. I want to make sure none of my credit info is given out to anyone without my knowledge or request. I 'm sure this practice helps enable the evil folks who want to steal identities!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian has been delivered XXXX deletion requests XXXX, XXXX being with XXXX # XXXX for an improper collection. I 've also submitted documentation showing the previous lawsuit against the collector and outcome of them agreeing to delete. 

I was told the investigation department was going to contact me within 5 days. This did not happen. When I contacted Experian again 7 days later, I was told they had n't investigated this yet. I was also told I could not speak with a supervisor and was also given a non-working number to contact after the representative refused to assist further. 

Now, with proper documentation, a binding agreement to delete, and XXXX NUMBERS requesting deletion, it 's now clear that Experian is now ( and has been for some time as the first request was filed in XXXX 2015 XXXX violating the FDCPA 15 USC 1692e. 

The only logical recourse now is immediate deletion. If this is unacceptable, I have already spoken with my attorney and we will pursue action against Experian as this has cause both monetary and reputation damage to myself as well as an immense amount of emotional stress and difficulty.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-09 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: NC

Complaint narrative:
I submitted my initial complaint about Experian on XXXX/XXXX/16. 
Experian represented they were in the process of mailing the credit report to me, and it will take up to 10 days. 

Today, XXXX/XXXX/2016 I still have n't received the report. 
I was denied credit and am unable to get car insurance to get to work, because of flawed reporting by Experian. 
At which point can I sue these clowns for damages to 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 non-monetary relief
Consumer complaint received 2015-08-19 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:
XXXX account XXXX does not belong to me

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Experian continues to report a settled XXXX XXXX XXXX account to my credit report even though the FCRA 7 year reporting rule has expired. My records show that the last payment on this account was prior to XXXX XXXX and in fact, the account was charged off by XXXX XXXX XXXX prior to XXXX XXXX and settled with a third party collector in XXXX XXXX ( see attached settlement offer letter ). Typical time of delinquency prior to charge off is 6 months, clearly indicating that the date of first delinquency was in or prior to XXXX XXXX and that the 7 year reporting rule has expired. XXXX and XXXX have both dropped the account from their reporting, but Experian continues to report it with serious impact ( XXXX points ) to my FICO scores.

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 2015-08-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I have disputed an Old Debt that is being reported as a new debt by XXXX XXXX. This debt when into collection in XXXX. XXXX keeps changing the date on this debt and re-aging it to appear new. Last year they claim this collection was opened in XXXX. This year it shows as opened in XXXX. Every-time they re-report this debt as new, it knocks my credit score XXXX points. XXXX is a third-party debt collector, they are not the original owners of this debt. They are not the collection agency. I have disputed this with the credit bureau and they refuse to investigate or change the information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02 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: CA

Complaint narrative:
After being denied a secured credit card through XXXX, I was redirected to get a free copy of my credit report through Experian. I have tried multiple times to complete the application and continue to be stopped by " unable to process your request ''. I have used there online system and phone system several times ; as well as spoke to a supervisor by the name of XXXX, who could not help me resolve this issue and continue to redirect me to another site for a " free '' credit check or pay for membership. As a consumer I have the right to a free copy of my credit report when it is used in an application. Theory have left me at a dead end and I can not find anyway to resolve it!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have notified Experian many times that there are incorrect addresses on file that do not belong to me : XXXX XXXX XXXX XXXX, XXXX, GA and XXXX XXXX XXXX XXXX, XXXX, GA. I need your help in getting these incorrect addresses remove from my credit.

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: GA

Complaint narrative:
I spoke to a rep over the phone and told her that I have disputed the XXXX account before and has come back verified. The rep stated she will submit a request and make sure to add that this account is not an unsecured account and the company will have to either update it to reflect wha the account really is or delete. I have previously sent in disputes as well disputing that I do not have an unsecured loan with XXXX XXXX XXXX. I sent in verfication from XXXX XXXX XXXX bwith documentation from the creditor that is not an unsecured loan. The results came back as paid and closed. No one is addressing that the account is reporting incorrectly. I do n't have an unsecured loan with XXXX XXXX XXXX. According to the Fair Credit Reporting Act that the credit reporting agencies provide you in the credit report that is sent out in the mail. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within XXXX days. However, a consumer reporting agency may continue to report information it has verified as accurate. XXXX XXXX XXXX did not verify that I have an unsecured loan with them. I called XXXX XXXX XXXX XXXX/XXXX/15 at XXXX ext XXXX, spoke to a representative that stated the reason the credit report is showing XXXX XXXX is because they do n't have any other options to choose. The explanation that I was given of this action that has taken place on credit report is not my fault and supposed to be removed for reporting false information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-06 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian responded that on XXXX/XXXX/13 the issue was addressed. It in fact was not. I have disputing this item again with both Experian and XXXX XXXX XXXX for years and neither party has been able to validate this debt showing me anything that tis so called debt belongs to me. I have asked for any contract I signed, any written correspondence any both parties are unable to produce anything. Experain is just electronically asking XXXX XXXX XXXX if the debt is valid without producing any proof. This is not a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to USC 1692g Sec.809 ( b ) of the FDCPA. The creditor must provide in a timely manner any of the following : 1. Agreement that bears my signature of all alleged debtor wherein he/she has agreed to pay the creditor. 

The law is very clear under FCRA sections 609 ( a ) ( 1 ) ( A ), section 611 ( a ) ( 1 ) ( a ), Section 611 ( 5 ) ( A ) and Section 611 ( a ) ( 7 ) which all fall under the clause of verification and validation of a debt. If the creditor or credit reporting agency ( Experian ) can not produce proof tat the item MUST be promptly deleted. 

Both Experian and XXXX XXXX XXXX are in violation of the FDCPA and FCRA and will be held liable for damages of reporting negative information. The law is very clear clear as cCivil Liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursing litigation in this matter to enforce my rights under the FCRA.

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 2016-12-17 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 've tried disputing a couple of fraudulent accounts on my credit report and the bureau has taken some of it off but only the collection things. I 've sent letters to the creditors XXXX, AND XXXX and have gotten no response. Not sure what is being looked into when the bureaus send me the results showing verified. How can they verify something that 's not mine. Most recently about a month ago i did send in a Identity theft document and all of the items it asked me to include. Feel like after 6 months of disputing and working hard that its really going nowhere. Would really like to have this stuff taken off my credit report bc it is not mine. 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 2016-10-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
There was a tax lien on my credit report. It should not have been there. I filed with the IRS to have it removed. They did remove it on XXXX XXXX, 2016. I also filed a dispute with Experian. They found in my favor and removed the report from my credit report. I checked my credit report today, 33 days after the paperwork was filed, and my credit score has not improved. I called Experian at XXXX. I was told that the main number from their website was the wrong number -- their department ca n't handle this. The representative then transferred me to their Membership department. I was told that Experian does n't have any control over my credit score!!! I said that is plainly ridiculous, as this is what their business does. I was then transferred to a " supervisor '' named XXXX who also said he had no control over it, and my report simply needed to be " refreshed '' by the Dispute department. XXXX in the Dispute department said that his department did not handle this, the Membership department does. I was irate, and explained that I had been transferred and put on hold for an hour and a half. I demanded to speak to someone in management who could help me. XXXX said he 'd transfer me and the number that he transferred me to had a " this number is no longer in service '' recording and then disconnected me. I must emphasize that I was not verbally abusive in any way -- I was direct and calm. I was patient. My ordeal ended at XXXX with no one taking responsibility. My request is simple : I was told that the lien was negative and lowering my score, I went to a great deal of trouble to have it removed. My score should improve. Period.

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 2016-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC
State: MA

Complaint narrative:
They keep calling my home phone looking for a XXXX. I have informed them many times that they have the wrong number and they started to call my home more. Now I get calls every other hour for XXXX. The number calling my phone is XXXX nco fnc svc. I work from home and this is a constant distraction to continually receive these types of calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I filed a chapter-XXXX in XX/XX/XXXX and it was discharged in XX/XX/XXXX ( see photo ). I have not acquired any new debt with XXXX since my filing in XX/XX/XXXX. They refuse to update my account as paid and/or discharged in bankruptcy and they continue to report XXXX open/active unpaid collections. I have been turned down several mortgages solely from their false claims.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-03 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:
In XXXX 2013 I became aware that some bank accounts had been opened under my name, and were on my credit report as a result of identity theft. I also noticed an address and phone number that are not associated with any place I have ever lived or had as a contact number. I contacted my local police department and filed an identity theft report, and gave the detective the address and phone number associated with the fraudulent accounts. I gave this information to Experian and began the process to resolve the issue. XXXX accounts with XXXX XXXX were opened under my name, and after the dispute XXXX was removed, but not the other. Recently, I noticed it was still under my name and since I am currently in need of a new car, I knew I needed to take care of it to get the best finance options. After filing another dispute, providing them with the police report and email correspondences between the detective and myself, I received notification of my dispute results. The account still remains on my credit report, and I do not know any other way I can prove that this was not me who opened the account. The bank in which the account is opened under is not in my area, and I had never heard of it before this identity theft issue. This is a clear violation, and I believe Experian has not done their jobs in representing one of their members and ensuring my identity protection. I will be fighting this until it comes off my credit report, no matter how long this takes. This is wrong, and Experian should do more to help those who have been a victim of identity theft.

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 2016-01-28 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Statebridge Company
State: MO

Complaint narrative:
The original mortgage ( from XX/XX/XXXX ) was adjustable and at that time the prime rate was around 7.5 %. My rate was a little over 2 % above that. I did not see anywhere on the paperwork where that said that it could n't go below the original rate, it only talked about a ceiling, but to my knowledge there was no floor. The mortgage has traded hands numerous times over the years. 

About a year ago I applied for HARP. After several months of having to resubmit the same documentation, I was finally approved. I received a letter stating that I had to go into a 3 month trial period, XX/XX/XXXX-XX/XX/XXXX. It stated that at the end of the trial period I would get the terms of the adjustment. There was a question about insurance coverage, I was told by the XXXX company that they would take care of taxes and insurance and my payments increased to cover the escrow for that. 
When I asked the XXXX company about the insurance, they said they had been told that the insurance was my responsibility. So I got that straightened out. 

The most recent letter I received, ( which is dated XXXX XXXX, from the XXXX mortgage company ), stated my mortgage is still adjustable and still at the original rate, 9.875 %. 

So in other words, this entire HAMP adjustment seems to be just smoke and mirrors.

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 2016-11-18 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:
When i pull up my credit report from a website that pulls reports I noticed some things that were not mine. i went to call and no on e would realy help then i sent the credit bureaus my letters to dispute what they were reporting. Got a couple things that were fraud removed but they kept some of the other sutff. I pulled my credit first because I was really wanting to buy a new house in the next year. mortgage place did tell me to contact the bureaus and did n't really work or do anything. also police didnt really want to help unless i knew who did it. I dont or I would go see them to asnwer for this. 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 2016-01-12 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:
All XXXX credit bureaus are reporting information that I did not authorize and they do have a grave responsibility to ensure that the information on my credit report is accurate ( see XXXX v XXXX ). On XXXX XXXX, 2014 I went to XXXX XXXX XXXX, XXXX to inquire about purchasing a vehicle. I was not informed that my credit file would be pulled by XXXX separate companies and that all of them would be reporting on my credit file. I did not authorize this and had even told this company that I did not wish for this to occur. if I had been notified this would occur I would have declined and would have taken my business elsewhere. At no time whatsoever did I give this permission and by doing so, they are in violation of the FCRA and these items must be removed from my credit report. I have no problem filing a police report and FTC report against this company. When I confronted this company at this place of business, I received no help whatsoever and they stated they would call the police. I was not at fault for any reason so I had no problem with this, as I will take them to court if necessary as this is absolutely criminal for them to do this without my permission. 
The inquiries I did not authorize are the following : XXXX XXXX XXXX- Experian, XXXX , XXXX XXXX XXXX XXXX Experian, XXXX XXXX Experian XXXX XXXX Experian XXXX Experian XXXX XXXX XXXX Experian , XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX

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