vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There is an address and a XXXX XXXX on my Experian Credit Report that are not mine. XXXX XXXX XXXX, XXXX, XXXX XXXX is the address of my second wife, XXXX XXXX XXXX. We have been divorced since XXXX of XXXX, She is remarried again, new last name unknown. 
XXXX XXXX XXXX, XXXX, XXXX XXXX, I believe to be the address of my first wife, XXXX XXXX XXXX. We have been divorced since XXXX of XXXX. 

The female I spoke with a Experian at XXXX at XXXX XXXX, XXXX XXXX XXXX, said the address was on a notice sent to them by a bill collector. The bill occurred during our divorce and was incurred by my second wife without my knowledge. My point to the Experian representative was that I have never lived at, vacationed at, leased, purchased property at nor used as an accommodation address this location. These facts being true, how can it be listed as XXXX my addresses? The situation of the XXXX. XXXX is exactly the same. Thank You, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian refuses to delete incorrect address ( s ) provided even though their own records are incomplete as to the incorrect address ( s ). I have told Experian I have lived at the same address for 30 years. On my credit report Experian lists my correct address XXXX XXXX XXXX and gives it an id # XXXX, it lists the type of dwelling : Residence. It gives a geography- ical XXXX. Then it goes on to list XXXX other address ( s ) that are n't mine given as Id # XXXX and id # XXXX.They do not list the type of dwelling or give a geographical code to either incorrectly reported address ( s ).

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

Complaint narrative:
XXXX is reporting that I have XXXX outstanding debts with their company, on my credit report. They are reporting XXXX separate debts of {$1700.00}, {$520.00}, and {$480.00} respectively. I am unaware of any of these. I have contacted XXXX numerous times requesting a verification of these debts, but the will not give me any information about the origin of these debts they are reporting. They just ask me to pay them, even though I do n't know what they are.

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 2016-12-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have submitted all info in reference to many accounts and inquiries opened in my name. I have provided police report, FTC affidavit, copy of my driver 's license, social security card, bill, etc. I have advised them that many of these accounts, broken lease ( which I have provided to XXXX properties ), inquiries, etc are not mine. I am livid, XXXX off that I have done what I need to do, provided information, etc and still have not gotten correct remedies to the situation. I have attempted to reach out to these companies and have been advised that my information was used and provided ( hence the reason I have obtained a police report and FTC affidavit ). I should ONLY have inquiry fom XXXX XXXX XXXX of XXXX, XXXX, XXXX and XXXX 2016 this is it ... XXXX Properties was opened fraudulently in my name as I lived and have provided info to this company that I lived XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx, and have only had a XXXX XXXX. This is ridiculous as these companies are ignoring the fact that I have provided and stated this is fraudulent and are still reporting this on my Credit Bureau Report with no help from the reporting agency.

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 2017-02-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Experian claims that I did n't respond to their previous mailing of my report for a dispute however a certified letter was mailed giving them my correct addresses and the correct spelling of my name. I then asked them for a fax number through my last cfpd complaint in which they did not respond so I found the fax number myself and sent that on XXXX XXXX, 2017 and I have my confirmation. To date any other addresses and incorrect names on my report remain and they are to be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Experian received my dispute request on XX/XX/2016, this is regarding the inaccurate reporting on XXXX XXXX accounts. I requested that Experian send me verifiable proof ( an original consumer contract with my signature on it ). According to the FCRA Section 609 ( A ) ( 1 ) ( A ), Experian is required by federal law to verify, through the physical verification of the original signed consumer contract any and all accounts Experian posts on a credit report. I received report number XXXX Dated XX/XX/2016, stating this would be completed by XX/XX/2016. I still have not received verifiable proof of my signature form Experian. 
Since they can not verify this debt, and did not verify within the required time frame, I am requesting they remove the items from my credit report immediately. If not completed I will be forced to take Experian & XXXX to small claims court. 
I have included the letter I have sent by certified mail, tracking number XXXX Experian had 30 days to respond and failed to respond to me with the information I requested by XX/XX/2016, I am requesting the items are removed from my report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
Experian is reporting late payments on an account that has never been late. the account is with XXXX XXXX XXXX XXXX. I have supporting documents from the officials at XXXX that support the fact that i have had unblimished perfect credit with them. I have filed disputes with experian to no availe.

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 2016-05-12 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My daughter signed up on-line with Experian to look at her credit score. I gave her permission to use my credit card for the {$1.00} fee. The credit score was available for 7 days, however, if she did not call to cancel, you would then be automatically signed up for monthly monitoring at a cost of {$21.00}. I saw that charge on my credit card statement and thought it was just for the original credit score look-up. When I saw another charge the next month, I called immediately. Experian said that she did not contact them to cancel, so I was billed. Experian agreed to cancel the service and refund as a courtesy the second charge. They refused to refund the first month charge. I asked them to send me copies of exactly my daughter signed up for and copies of the terms and conditions. Experian said that they could not provide me with any printed documentation of what my daughter signed up for on line and could not provide me with any documentation of the terms and conditions when my daughter signed 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 2016-03-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Cornerstone Home Lending Inc.
State: TX

Complaint narrative:
We were unable to close because the lender refused to accept hand-written corrections to the XXXX XXXX application and the loan officer refused to correct the information in their system. In addition, we were told that if we refused to sign the blank continuation sheet we would not receive funding. Fannie Mae 's own website as well as countless other agencies specifically warns consumers against signing blank forms. We had expressed concern about these issues well before closing and no corrections were made. At closing, we corrected the errors on the Form XXXX by hand and drew a line across the blank page. The lender rejected the application form. We asked the loan officer who could correct these issues and we were told no one. The loan officer refused to release the funds out of escrow because we would not sign the forms containing incorrect financial information. 
We are retaining our current home with the intent of using it as a future rental. It has never had a mortgage or other lien. First, our current home was incorrectly listed as having a lien under the liabilities portion of Sec XXXX and having a value of more than twice its assessed value under the asset column. Fannie Mae 's own instructions state to list real property expenses under Sec XXXX in the " present '' column with appropriate line items for taxes and hazard insurance. Second, in Sec XXXX of the XXXX, the loan officer is insisting on listing our annual property tax and insurance expense as a mortgage liability when in fact it is not. A specific box for this expense does exist on the table. There are no current unpaid balances for property taxes or hazard insurance. Finally, page XXXX of XXXX of the URLA XXXX is a continuation page to be " used if necessary ''. While we understand that it is part of the application requiring signatures, it is absolutely unacceptable to expect an individual to sign a blank document. Surely, this is not the intent of the continuation page. A disclaimer such as, " No Additional Information Included '' or something to prevent additions after the fact should be allowed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27 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:
Guilt by association : I got my annual credit report Experan, there are XXXX negatives on the credit report, XXXX from XXXX XXXX, XXXX from XXXX XXXX. I never signed a contract with either, however my husband did. we are XXXX separate persons with separate credit reports, who do nothing but live together. I should no be penalized For his mistake Experian refuses to take the entries off like I said I never signed a contract with either company

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 2015-04-27 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: AZ

Complaint narrative:
Since. I paid {$1.00} to view Credit history on trial and Experian charged me {$24.00} and I can not access account called and I 've talked to the Rep said will send me an temporary password to access but I never gets it and never have a chance to view a Credit report! 
I felt Totally cheated and scam! I already read carefully a about " Review Experian " should learned from customer with ton of complained about it!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
As per the correspondence, I received from : XXXX - Dated : XXXX XXXX, 2015/ CORRESPONDENCE RECEIVED XXXX/XXXX/2015. 

This is to inform you that I 've recently pulled my credit report and noticed that there 's a collection listing XXXX on my credit report. I WAS never notified of this collection action or that I owed the debt. This letter is to inform you that I would like a verification of the debt and XXXX ability to collect this money from me. 

Under the FDCPA, I have the right to request a validation of this debt. I request that XXXX verify to me and prove that I am indeed the party who is contractually obligated to pay off this assumed fraudulent debt. Upon your review of my XXXX XXXX Financial Aide Records, your re-investigation will determine, there were no account balances. XXXX See attached e-mailed documents ). Enclosed with this email. 

XXXX should be made aware that reporting any invalidated information to major credit bureaus may constitute defamation of character. In addition, you must also be aware that until you validate this debt, you can not continue collection activities or report this information to the credit bureaus. Non-compliance with this request may land XXXX in serious legal trouble with the Federal Trade Commission XXXX FTC XXXX and other state/federal agencies. 
Under the FDCPA, debt collectors XXXX collection agencies or CAs XXXX are required to send you a debt validation notice within 5 days of contacting you to collect a debt. The notice should also inform you that you have the right to validate/dispute the debt within 30 days of receiving the letter. If you do n't dispute the debt ( or request validation of the debt ) within the 30-day period, the collector has the legal right to assume that you agree the debt is valid. 




Re : False Certification of Student Eligibility or Unauthorized Payment Discharge are unacceptable. 
Please be advised, I XXXX XXXX XXXX XXXX may be eligible for a discharge of my Direct Loan or XXXX Program loan under these circumstances : According to this correspondence received : UOP - / or an unauthorized agent at XXXX XXXX XXXX XXXX school signed my name on the application or promissory note without XXXX XXXX XXXX authorization or the school endorsed XXXX XXXX XXXX loan check or signed XXXX XXXX XXXX authorization for electronic funds transfer without XXXX XXXX XXXX knowledge, unless the proceeds of the loan were delivered to the wrong address or applied to charges owed by XXXX to the school. - As reported, I XXXX XXXX XXXX XXXX never received any disbursements ' from the XXXX See Invoice Statement. Generated, by attached emails from My XXXX Payment History Financial Aide Account. - I did not receive these funds. Neither were they deposited into my checking account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been dispute the negative accounts on my report over the past year with the credit bureaus. The information is continuously coming back as verified. I have asked about their verification or investigation process as well as proof of verification and yet I have n't received any information regarding this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 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: MD

Complaint narrative:
I am having and still is having issue with the XXXX Credit Bureau for the last two years. I have been told that I have to provide information in order to Requested my credit reports and all I get is nothing. I have sent Experian XXXX the information that was requested in order for me to receive my free annual credit report and I have yet to receive my credit reports from either XXXX of theses agencies. I feel like some XXXX with in these agencies are monitoring my credit report. I also believe that XXXX, Experian and XXXX has been issuing my credit report to somebody else other then me I also have belief that my information is being sold through XXXX and Experian there is no reason why I am being Deny my rights to my free credit report every year. I feel like my EUAL RIGHTS ARE BE VIOLATED AND I PLAN TO TAKE THIS AS FAR as I can I also believe that these company in General has share my information with my employer and several others with out my permission. every time I request my report they come up with that same line that I did n't provide enough information well how much is enough. I had enough!!!! I feel like your company is challenging me to legal battle see I only see what I think you are doing and I am aware as long as negative marks remain you are less likely to obtain fair market rates also I understand you carless because its big business for the Credit Bureau to deny you a report then because you need it you will pay for it is the thought I believe

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 2016-02-04 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:
Ive been homeless in a shelter in XXXX for the last 2 years but my report says a mortgage leoan is out in my name as of XXXX XXXX and a bank card is out in my name as of XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 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 not properly verifying account information. I have written over 15 letters to them including disputed information on multiple accounts yet they have consistently failed to remove inaccurate information or explain how they have " checked '' the data. IE in my case, XXXX, Bankruptcy, 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 2016-10-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Experian is reporting on my credit report under a account that is not mine : XXXX XXXX. On XXXX/XXXX/2016, I requested Experian to validate this information with XXXX XXXX and provide me with copies of any documentation associated to this account, bearing my signature! ( see attached letter ) sent USPS Certified item number XXXX delivered on XXXX XXXX, 2016 at XXXX ( see attached ). I, again sent another letter to Experian USPS Certified Mail item number XXXX delivered on XXXX XXXX, 2016 at XXXX ( see attached ). Experian has failed to provide ANY documentation bearing my signature! As per the Fair Credit Reporting Act section 623 ( a ) ( 3 ) Experian had 30 days to complete this investigation! They have failed and have now violated federal law. ( see credit report dated XXXX XXXX, 2016 proving their violation attached ) : 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. I am sending one more letter dated today XXXX/XXXX/2016 with this complaint attached.

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 2016-10-17 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have a few issues with the investigation that Experian did. I sent them a letter stating some errors I saw on my credit report and their response was completely unacceptable. All the responses say are " Remains '' which Experian pointed out means that no changes were made. " Processed '' which means that they are n't even done with the investigation! and " Updated '' and according to the letter I wrote them, there is no new or relevant information on the accounts making their statement a blatant lie! Not only did I point out the errors but I made it clear that I was not disputing that the accounts were mine, only the missing information, and issues with the payment history. I do n't think that Experian read my complaint at all! I ca n't believe that they would send me such a horrible response, I am genuinely concerned about my credit report and what is being reported on it and it is Experian responsibility to make sure it is correct. I am demanding these be fixed and my complaint to be read by a real life, breathing, thinking human being so that my voice is heard.

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 2016-12-01 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: FL

Complaint narrative:
My auto loan through ally XXXX XXXX is in good standing and when I make my payments every month I get no credit score increase for making on-time payments

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