vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-05 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:
XXXX, XXXX DOB XX/XX/XXXX SS XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX To Whom it May Concern : Experian XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

Creditor Name Inquiry Date Removed By* Type XXXX XXXX, XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, New XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, New XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX All Banks XXXX Apr XXXX, XXXX XXXX XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX, XXXX XXXX XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX, XXXX XXXX XXXX All Banks XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Miscellaneous XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, New XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Credit Unions XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. Agencies XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX All Banks XXXX XXXX XXXX, XXXX XXXX XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX, XXXX XXXX XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Telephone Companies Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX DOB XX/XX/XXXX SS XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 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 2015-08-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
An account belonging to my father of the same name was placed on my credit report and subsequently disputed online via Experian.com. The creditor refused to remove the account from my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX has reported a collection, original creditor XXXX XXXX XXXX, on my Experian credit report. They list the DOFD as XX/XX/XXXX. I moved out of that apartment complex on XX/XX/XXXX. When I asked them to provide documentation on this account, they supplied me with the itemized bill provided by the apartment complex which confirmed the date I moved out. If they are going to report this collection, I want all information to be accurate. They are knowingly, reaging this debt. Previous disputes with the bureaus have come back verified which leads me to believe not all paperwork have been analysed correctly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08 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 disputed this item with Experian for 6mos now and they will not remove it. I have filed an identity theft report and sent the information to them and they have not removed the item. The item is XXXX. I disputed the same item with XXXX, and XXXX has removed the item from my credit report. I would like for Experian to remove this item as it does not belong to me nor has it ever have. A copy of my identity theft report will be attached

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XXXX/XXXX/2015, I submitted a complaint against XXXX XXXX XXXX ( Case # XXXX ). The case was opened due to an open case with the landlord. At this time I am in appeal process and no judgment has been filed on the case. There was a hearing on XXXX/XXXX/2015 but was reset for XXXX/XXXX/2015. Per court documentation a XXXX Oath was filed on XXXX/XXXX/2015. At this time I have not been evicted, and I am currently still in the rental property. I have submitted attachments of the Notice of Appeal, as well as both Order of Trial documents for both dates. Each document has been stamped by the XXXX XXXX XXXX XXXX. Until this case has been resolved in front of the judge, the landlord can not place this information on my credit report. Please refer to Case # XXXX for documentation submitted to Consumer Financial Protection Bureau. I have also mailed proof of documentation to each credit bureau, as well as disputed online. 
Each negative reporting of the judgment that has not been granted to the landlord must be removed accordingly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-29 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 XXXX AND XXXX DONE. HOMELESS BECUSSE OF A JUGMENT ON RENTAL HISTORY USED ALL MY XXXX BENEFITS ON CHEEP BUG INFESTED HOTELS WHILE I FOUGHT THIS LOOSING BATTLE. MY IDENTITY WAS STOLEN THE UNWORTHY OF LIFE INDIVIDUAL OR INDIVIDUALS RENTED APTS TOOK OUT PAYDAY LOANS AND CHARGED UP BILLS. NO ONE WILL RENT TO ME NO ONE WILL RENT TO ME NO ONE WILL SELL TO ME. I AM XXXX AND HAVE XXXX XXXX. THE COLLECTION AGENCY INFO STILL ON MY REPORT AS " CLOSED '' BUT THEY REFUSE TO REMOVE IT. I HAVE WORKED MY WHOLE LIFE PAID MY BILLSBUT BECUSSE OF THIS I AM WITH OUT FOOD MEDICINE OR A SAFE PLACE TO SLEEP. SO SAD I KNOW LOL I 'M NOW XXXX OF THEM THE PEOPLE I WOULD GIVE MONEY TO ON THE STREET AND NOT ANYTHING I CAN DO. THIS EXPERIANCE IS CHANGING ME YOUR SYSTEM IS BROKEN THIS THE UNITED STATES OF AMERICA MY FAMILIES BLOOD WAS SHED IN WARS MANY WARS FOR OUR LIFE STYLE AND FREEDOMS LOOK HOW WE ARE TREATED. BEFORE THIS THING KILLS ME I WILL SEND ALL MY DOCUMINTAION TO NEWS ORGINIZATIONS AND PUBLICE OFFICIALS FUNNY I STILL THINK SOMEONE MAY CHANGE THE SYSTEM MAYBE MY PAIN WILL HELP ANOTHER I HOPE BUT AGAIN NO ONE CARES ENJOY YOURRUNNING WATER COMFORTABLE COUCH DINNER AND DESSERT GO AHEAD COMPLAIN ABOUT THAT BAD NIGHTS SLEEP THE NIGHT BEFORE WITH YOUR COWORKERS LIFES HARD I KNOW SLEEPTIGHT XXXX XXXX will attach back up as soon as I can XXXX of our friendly police officers is told me to move it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I went down to the courthouse and spoke to the clerk personally. I verified with her and she agreed that the judgement listed on my credit report was not mine. I asked how was that possible since you report this information to the bureaus. She stated that they do not report any information to the credit bureaus. So how is that Transunion was able to gain access to my inaccessible information? 
According to the FCRA, the credit bureaus must verify personally with the creditor. The clerk of the court in this instance would be the creditor. I would love to know with whom you spoke to, their title and date you called. I think you should be able to provide this information forthwith as performing a verification is what you do. Since the information may have been obtained by other means and not directly with the court and as I am an intelligent woman, I respectfully request that you remove the judgement from my file.I believe that if I were to take this matter to my attorney that he would concur with me and suggest a lawsuit against your company we would win without a hitch.

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 2015-10-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have disputed this in the past with this company to no avail because they do very little to investigate disputes. A medical office closed without sending me a bill and then put it into collections. I had no prior knowledge of the bill of only {$55.00}. As soon as I was contacted, I paid the bill in full. I am now trying to get a mortgage loan and being penalized due to this account. I do not have a single negative mark on my account other than this and I want it REMOVED. My mortgage company tells me it looks as though the negative collection has recently been put onto my credit report. Again this was a medical bill that is not even supposed to affect credit scores as of the new rules imposed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-08 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX, was last reported on my credit file XXXX XXXX, 2015, On XXXX XXXX, 2015, it was deleted and reinserted on XXXX XXXX, 2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I phoned Experian on XXXX XXXX to have them fix incorrect addresses on my credit report. 
There is only one correct address that should be reporting and that is XXXX XXXX XXXX XXXX XXXX, XXXX. XXXXThey did not allow me to open a dispute of wrong information being reported on my credit report. 

The F.C.R.A deems me the right to dispute incomplete or inaccurate information on my report. Credit reporting agencies must delete inaccurate, incomplete or unverifiable information. My creditors have reported my address as XXXX XXXX XXXX XXXX XXXX, XXXX. XXXXThis is the only verifiable and true address. All other unverifiable information must be deleted according to the F.C.R.A. False information has been used in identity theft of myself in the past. I work hard to keep that from happening again. In light of all the repeated data breaches I would expect a Credit Reporting Agency to be at the forefront of protecting consumers personal information and make it more difficult for thieves by only reporting accurate info.

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: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX has reported to my credit reports a bill owed to them, but was never billed to me. They subsequently sold the loan to XXXX. Apparently, this loan was sold to them by XXXX, a XXXX 
I was never notified of any of this. The original contract I signed was with XXXX a loan servicing company for XXXX. This is who I thought I was dealing with. XXXX 's name is on the loan product contract. 
I was never notified of a transfer of billing or any correspondence. I did not know anything about this product being on my account until XX/XX/XXXX when I wanted to refinance and saw a collection from XXXX. I followed up with them and found out the changed their name to XXXX. I repeatedly asked for documentation. I finally received something from XXXX in XX/XX/XXXX. 
I agreed on a settlement with XXXX and they agreed to report to the credit agency that the bill had been paid in full with a XXXX balance owed. The represented that they would not put any derogatory statements on the account. Please see attachement. On my credit report they added that " account paid in full for less than full balance '' This is not what the letter written to me states or what the representative at XXXX agreed to. 
Since XXXX and XXXX are the same company with a different name or they sold without ever trying to correspond with me about payment. The XXXX information should be removed from my credit report all together and XXXX should honor what they told me about no derogatory statements. 

Additional derogatory information is stated below that should be removed from EXPERIAN CREDIT REPORTING BUREAU

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 2016-10-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
They refused to take multiple credit inquires of my credit reports. I told them I would not have XXXX credit inquires and I thought it had something to do with their breach or identify theft. They are being difficult. They are also refusing to take late pays off of some of my accounts that I have talked to the creditors and they took them off.

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 2017-03-31 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:
On Friday, XX/XX/2017, I received in the U.S. mail my " Experian '' credit report dated " XX/XX/2017. '' On " Page 28 of 30 '' under the " Record Of Requests For Your Credit History '' column it noted that " XXXX Resident Screening '' of " XXXX, MA XXXX '' unlawfully accessed my " Experian '' credit report on " XX/XX/2017. '' On XX/XX/2017, I was on vacation in Hawaii. I am a victim of " Identity Theft. '' I then called up " Experian '' and they refused to " Delete '' this unlawful " Identity Theft '' entry off of my " Experian '' 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 non-monetary relief
Consumer complaint received 2015-06-05 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:
To whom it may concern, My Name is XXXX XXXX XXXX Social Security SS # XXXX XXXX # XX/XX/XXXXSeveral years ago my dad went through Hardship and was required to declare bankruptcy. He went through the process and paid his dues and fulfilled his obligations. 

Now to my surprise we pulled my credit to get a car and all HIS Judgments and collections are showing up. His name is XXXX XXXX SS # XXXX DOB XX/XX/XXXX. Our shared address is XXXX XXXX XXXX, XXXX XXXX NY XXXX would make me XXXX years old at the time of occurrence!!!! I have been disputing this will all XXXX credit bureaus, and they keep verifying it as MINE. Its preposterous!! Just look at my DOB and its obvious it 's a mistake. I am frustrated that his misdeeds have affected me. They are affecting my ability to get sudent loans/credit cards and have a future. I beg you, please investigate and clear up this mess. 

Attached is my credit report. my License and SS card and my dads license and SS card

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-14 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:
Experian has a trade that does not belong to me with 'unknown ' status. This trade is not reported by any of the other bureaus ( which I was able to access via XXXX ). They have made it literally impossible for me to contact them to ask for resolution through any real time channel ( phone or web ) and the only option they are giving is to dispute via mail which can take up to 30 days. I am applying for a mortgage pre-approval and do n't have that much time.

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: TX

Complaint narrative:
Over the last 4 years i 've battled with illness and other health issues. I knew someone had used my information to get credit cards and medical stuff but could n't even handle it. This year my health has picked up and I 've been working to clear the fraud off my credit report. For some reason after disputing it 's still there. Theres a medical accounts that keep changing their names and theres nothing I can do. This feel s like my last stop.

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 2016-06-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
XXXX XXXX Ph. XXXX I called the company that bought out my loan from another company who originally had it. I agreed on an amount with them and my account would be considered paid in full. I paid it on XXXX of 2015 and they still have no reported it, so that it shows on my credit report. Every time I call them they say to call the original owners of the loan. which I did and they keep tell me that its not their responsibility.

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 2016-10-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Due to the fact that my situation is not properly available on this site as a choice to select. I have been violated by XXXX XXXX XXXX XXXX XXXX. ALso, by Experian Credit Reporting Agency. XXXX XXXX XXXX does n't have the rights to collect debt in the State of Texas. They are not abiding by the Law accordingly to the State of Texas and they was suppose to remove themselves from my credit report by sending a letter stating to the Credit Reporting Agencies that they need to be removed. Now that I have made Experian aware of this they have not done an accurate investigation on XXXX XXXX XXXX. So, I called XXXX XXXX for the Secretary of State Texas Debt Collections Division and found out that XXXX XXXX XXXX is breaking : " Texas Finance Code section 392.101 which prohibits a third-part or credit bureau from engaging in debt collection in Texas unless the third party debt collector has obtain a surety bond and file a copy of the bond with the Office of the Secretary of State. '' I am in need of another Investigation to remove them from my credit report please.

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 2016-08-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I am filing this complaint EXPERIAN INFORMATION SERVICES LLC has ignored my request to provide me with the documents that their company has on file that was to verify the accounts I disputed. Being that they have gone past 30 day mark and can not verify these accounts in writing under Section 611 ( 5 ) ( A ) of the FCRA- they are required to promptly delete all information which can not be verified. that I have disputed. Please resolve this issue and matter as soon a humanly possible. Thank you so much, for your time.

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 2017-01-17 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Received marketing offer after opted out
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I dialed XXXX by accident instead of XXXX. I thought I was calling Experian. I gave them my name and phone number before I realized something was fishy. They were trying to sell a credit protection plan across the XXXX credit reporting agencies. The man said he was XXXX XXXX and his direct number is XXXX XXXX. I do n't think I provided any other information, but now I am nervous.

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 2015-04-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My info was crisscrossed with that of my father. HE has a tax lien that appears on MY Experian credit report and not on HIS.. although this same item appears on both HIS XXXX and XXXX reports and not on MINE. Item in reference docket # XXXX. Upon further investigation noticed that the addresses of XXXX XXXX County recorder differ from my Experian report and his XXXX reports from XXXX and XXXX but ALL XXXX have the exact same dollar amount due {$7400.00}. and SAME docket reference number # XXXX. documents uploaded to support my dispute.

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