vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian is currently reporting an account that the company has removed. XXXX and XXXX have stopped reporting the account 2 months ago when the company originally requested. the company is XXXX XXXX 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 2016-09-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
On XX/XX/2016, I disputed the account XXXX account, account number XXXX .... on my Experian credit report. I was but am no longer an authorized user on this account. I asked them to delete this account from my report. My Experian report does not show this dispute in the comments section, which is required, and there is no evidence that they are working to delete this account. The desired outcome is for this account to be deleted.

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 2017-03-09 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:
please find attached the FTC and the dispute letter, for which i have been sending to XXXX credit agencies for many times and they have not been able to resolve this issue, i am a victim if ID theft and have the police report attached to mu documents. 
XXXX accounts are not authorized and need to be removed from my records ( attached dispute letter ).

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 2015-12-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Experian is violating my rights with keeping account that are past the statute of limitations and unverifiable on my credit file which are and all the account states this item was updated in your XX/XX/XXXX dispute I have disputed in XX/XX/XXXX no investigation was ever completedXXXX # XXXX XXXX # XXXX of XXXX # XXXX of XXXX # XXXX # XXXX # XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 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 received a letter in the mail that i was declined for a credit card from XXXX, however i never applied for a credit card from XXXX. i contacted XXXX and they advised me that someone had submitted a credit card application in my name and that i should contact Experian to get my credit report from them to look for other credit inquiries. I submitted a request for my credit report from Experian and noticed XXXX separate inquiries on my credit report that i did not make. That was XXXX at XXXX. Ever since then i have been trying to get someone on the phone at Experian to resolve the issue and get the inquiries removed from my credit report. So far i have spent over XXXX minutes waiting on hold on XXXX separate occasions and still have not spoken with anyone who can remove the inquiries. I simply do not have the time to wait and wait and wait to speak with someone. Experian should be ashamed of themselves for creating such a dystopian, maze-like procedure where nobody is accountable, no options are available to speak to a human, and no disputes can be resolved. It is obviously a system devised to keep staffing costs down at the expense of the consumer. Terrible!

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

Complaint narrative:
My dispute involves mainly Experian but XXXX and sometimes XXXX as well. Their tactics are so transparent. They clearly make more money by reporting anything and everything to make consumers look like a credit risk. Example XXXX XXXX mistakenly pulled my credit a second time within a 30 day period after I spoke with their senior executive that assured me they were n't going to. When it happened of course the XXXX bureaus are hot to report it. I contact XXXX XXXX and get a letter stating it was a mistake. I forward that to the bureaus and now comes the run around. It took several months to get it removed however Experian refused to do anything except change it from a " hard pull '' as they call it to a " soft pull ''. They then further penalized me by removing or reporting incorrectly my " good '' credit history. My stellar XXXX accounts ( XXXX ) are now removed as well as other good accounts and they give me minus point for, you guessed it " lack of good credit accounts ''. I tried calling them, writing them online and snail mail to dispute, and they always have a stall tactic. I 'm tired of the run around. I 'm tired of paying too much because they skillfully and unscrupulously maneuver things so that I can never qualify for a better finance rate. I 'm fed up with it! I have plenty of documents to support my situation and monitor my credit closely.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-14 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 was refused credit due to incorrect credit reporting practices from XXXX reporting agencies. I have had a running misinformation problem with Experian, XXXX, and XXXX credit reporting agencies for years. I have been a a victim of fraud as reported to all XXXX agencies in the past, as far back as XX/XX/XXXX. As of XX/XX/XXXX agencies are still putting out misinformation. 
Please help me put a stop to what is being reported. XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I RECEIVED A CALL TODAY FROM SOME SCAM COMPANY CALLED XXXX AT MY XXXX TELLING ME ABOUT MY BAD CREDIT AND HOW TO FIX IT. I WITH DISGUST TOLD THE POOR ENGLISH SPEAKING FEMALE THAT I WAS A XXXX AND WAS BUSY AND HUNG UP ON HER! I DO NOT APPREICATE THESE CORRUPT CREDIT REPORTING AGENCIES OF EXPERIAN AND XXXX ( WHO REFUSED TO UPDATE MY FILE WITH A LEGAL NAME CHANGE AS OF XXXX 2014 ) AND XXXX SHARING MY FINANCIAL DEMISE WITH CROOKS LIKE THIS CREDIT REPAIR CENTER AS I CAN ONLY PRESUME THAT THIS " BAD CREDIT '' OF MINE WAS ONLY REVEALED BY ONE OR ALL THREE AGENCIES! FURTHERMORE, I BELIEVE THESE TACTICS USED BY BANKS AND EVEN CERTAIN EMPLOYERS OF CHECKING ONE 'S SCORE ARE ONLY ANOTHER EXAMPLE OF HOW FAR THIS NATION OF DEBILITATING RACISM HAS TO GO TO IMPROVE THE PSCHOLOGICAL, PHYSICAL/EMOTIONAL AND ECONOMIC WELL BEING OF XXXX! I HAVE A XXXX IN THE FORM OF A XXXX AND EVEN HAVING A SEPARATE SMALL BUSINESS CHECKING ACCOUNT WITH A DISTICNT AND SEPARATE EIN NUMBER IS NOT ENOUGH TO HELP MY PRACTICE AND RACIST BANKS INSIST ON USING THAT PRISON/SLAVE NUMBER ( SOCIAL SECRUITY NUMBER ) WHICH I WISHED I NEVER APPLIED FOR! ALL IT HAS BEEN IS A SOURCE OF MISERY AND IMPRISONMENT IN POVERTY AND EVEN USING IT TO APPLY FOR XXXX BENEFITS DUE TO THE YEARS OF GOING WITHOUT XXXX MEDICAL TREATMENT OF CERTAIN DISEASES HAS NOT BENEFITED ME WHEN I NEED IT TO! I AM SICK OF BEING TREATED AS JUST A PRSION NUMBER AND NOT AN INDIVIDUAL WHO TOOK THE TIME TO GRADUATE FROM COLLEGE WHICH ONLY MADE ME POORER WITH THOSE HIGH INTEREST STUDENT LOANS AND THEN ON TO XXXX SCHOOL WHICH MADE MATTERS WORSE! I KNOW I WILL NEVER GET A DECENT POSITION SUCH AS WITH THE XXXX WHERE I CAN GET SUSTAINABLE INCOME RATHER THAN BEHOLDING TO THE CRROUPT MEDICAL PAYERS OF MEDICARE AND MEDICAID OR EVEN AT LEAST EXTENDED CAPITAL IN THE FORM OF PRODUCTS LIKE CREDIT LINES OR LOANS AS LONG AS I AM XXXX IN THIS NATIO AND THAT SOCIAL SECUIRTY NUMBER IS USED AGAINST ME INCLUDING GETTING MY XXXX BENEFITS I AM ENTITLED TO! I WANT THESE BEINGS TO STOP USING MY CREDITS SCORES AGAINST ME ESPECIALLY IN SITUATIONS WHERE I AM NOT EVEN REQUESTING A LOAN OR OTHER FINANCIAL ASSISTANCE! 

SINCERELY DISGUSTED, XXXX XXXX, XXXX

Company public response: Company 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: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am responding to a letter I received from Experian regarding a request made on my credit file. Based on my understanding of the letter, it looks like Experian is refusing to complete my request because they do n't think I wrote my dispute letter. 
I would like Experian to know that I did in-fact send them a letter disputing information on my credit report. I also give Experian my full consent to continue with the investigation of my accounts per the dispute letter I wrote to them. 
I researched a dispute letter online and just used that to manifest my dispute. Although I carefully reviewed Experian 's website to figure out exactly what I needed to do to file a dispute, I suppose it is possible that I may have missed something. I would truly appreciate Experian providing me with an explanation of my rights specifically pertaining to how I am allowed to dispute information on my credit report. 
I need to know what made my letter " suspicious '' and why Experian would think that someone else would want to have my credit report investigated. Does n't investigating my credit only really benefit me? 
I would like Experian to let me know if I can re-write my letter and if Experian could provide me with an example of a letter that would be acceptable to them since the one I wrote is not good enough. 
I work very hard all day and can not afford to take time off to dispute my accounts. I also do not have the money to be represented by an attorney or any other agency. Would completing a dispute over the phone provide me with the same benefits as the letter? And if the results would be the same, why not just accept my letter?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-16 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:
There is an account listed on my Experian report that is not mine. I contacted the company, XXXX XXXX XXXX, and they have no record of an account. I tried to dispute this with Experian and keep getting a message that they would not investigate this. I need your help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03 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: MD

Complaint narrative:
Every year I request my credit report from Experian and I never receive it unless I 'm willing to upload my personal information since they already have my name, birth date and social security number and I was permitted/ verified to log on to the system but once I 'm logged on I 'm told I need to upload my information again. I am entitled to a free report every year from them and it never happens. The other XXXX reporting agencies have sent me one but not Experian. I have reported this issue to you before this is real problem. I have a credit freeze for all credit reporting agencies. I do not want to buy my score or monitoring of my credit from Experian. My report from Experian is supposed to be free yearly. All I want this credit reporting agency to do is honor my yearly request that not too much to ask.

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 2016-04-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX bill was paid in full as of XXXX XXXX, 2015, therefore it was not a collection account ending the month of XXXX as Experian is reporting. I have proof of the payment attached. Experian has not supplied me with full payment history and how they verified payments on the account as FCRA 611.

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 2016-12-17 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: LA

Complaint narrative:
Frequently, when I try to get my free annual report from AnnualCreditReport.com, I get a message saying that there was a problem and they can not process my request. The message always points me to the mail form, sure, but that 's not why I go to the website. 
Specifically, I have records indicating that Experian has not been able to give me an online credit report each XXXX in XXXX, XXXX, XXXX, and again this year ( XXXX ). But it has happened with all XXXX credit reporting agencies. 
It is unacceptable that I have to jump through this hoop year after year. It 's almost as though they 're hoping I 'll stop asking for it if they make it hard.

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 2015-07-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These XXXX XXXX XXXX loan accounts are appearing incorrectly on my report. These XXXX accounts have been completely forgiven, and I have paperwork from XXXX XXXX to document this. They are no longer owed and have been XXXX discharged by XXXX XXXX and should no longer be appearing under my name ( unless it 's to report positively that these have been paid/forgiven/discharged and closed with a positive status ). After several disputes with XXXX XXXX directly, I was able to obtain documentation in writing that these loans had been discharged/forgiven from my name. 

XXXX XXXX had transferred the accounts to multiple departments before they were forgiven, so I had an extremely difficult time getting this information. 

These accounts are reporting incorrectly, and are negatively affecting my score. I have sent in documentation and disputes to Experian a number of times, including the letter from XXXX XXXX directly supporting my complaint- but I have received automated responses and no correction. We are planning to purchase a house in the near future, and this is negatively affecting my ability to do so.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-04 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Experian keeps putting Fraud Alerts on my file when I did not ask them to. They are saying that I am disputing information in my file which is not True. I have challenged the inaccuracies in my report and have asked them to supply physical verification of each negative item per section XXXX or to remove the items. They refuse to do so. Instead they keep putting fraud alerts on my file to avoid obeying the law

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 2016-09-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Inaccurate info on report. Called and talked with no help and rude customer service. Ready to close on a loan and now income/debt is a problem because this popped up

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 2015-06-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
It 's not that there is incorrect information on my report, it 's that there is very important information that is missing and should be included on my report. I sent all XXXX reporting agencies complete copies of my XXXX XXXX home mortgages and also an equity loan on the XXXX house, all paid off. I was told by them that they will not accept documents of proof from me and that they only will put on a report what the mortgage companies themselves send to them to report. I can not have these past mortgage companies report to them my good credit with these loans, because the mortgage companies no longer exist. So I 'm asking if somehow this can be rectified because as a consumer I have every right to have all my good credit history absolutely on my report and right now it is not on there. It is not fair that my credit is judged without these items on there, so I 'm hoping that somehow this can be solved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 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:
My name is XXXX. I used to be XXXX. This was my married name. It shows on my report that XXXX is a name I used which is incorrect. It also shows I have worked at XXXX. Which is incorrect. My ex husband worked there. I have never had my name or social security number or co- signed anything with him. If this is my personal credit information why does his name and where he worked appear on my XXXX score. And also I have filed bankruptcy chapter 7 and I did not put my auto loan on it. I am paying XXXX once a month in the amount of XXXX and I am up to date. It shows on my report account closed. Please help me resolve these issues.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-21 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:
I tried accessing my experian credit report online to view it to see if the incorrect information reporting has been corrected. Report # XXXX. I received a message they were unable to honor my request to view my report. There is suppose to be unlimited online access to view your report but experian will not allow me to. I am submitting this complaint because I want to see what is reporting on my credit file. I am trying to obtain a mortgage and with all these errors on my report is affecting my score in a negative way.

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 2015-05-17 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: IL

Complaint narrative:
Your site is not working correctly. It accepted my information and then offered the credit score for XXXX, which is not free. Your site would not allow me to go back to the prevue screen because I am not paying your company anything. I will be reporting this to the XXXX Attorney General 's Office Monday morning. The option to get the report online never appeared. I had to close the site to get it to do anything. Your security letters request was also malfunctioning. When I went to email your company, it rejected sending the email stating there were errors. There were no errors.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-05 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:
Back in 2010 my house that I lived in with my mom and family was broken into when I was XXXX and our personal information was stolen. My mom filled a report with the police. Also my mom works with XXXX and they sent her a letter saying our information was breeched also with them. My mom and I was made aware that there are some debts on my credit report. My mom wrote into the reporting agencies and they wouldnt take it off. Also there are a lot of medical bills and accounts of debt on my report that I dont know where they came from. I still live at home and dont have bills of my own plus my mom still has me on her medical plan so I shouldnt have any medical bills. I am in college and my main focus is school. My mom and I have written the agencies and I included a copy of my ID and social but the always tells me to send in more proof of my Identity and they refuse to delete these items or the inquires associated with them. I am asking that your agency help us with these issues. Thank you so much for your time and consideration. I am attaching a copy of my identity.

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