vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-12 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:
To whom it may concern, XXXX negative accounts ( XXXX XXXX XXXX charge off accounts are NOT MINE. see attachment ) on Experian credit report are incorrect. Filed claim to Experian fraud accounts to be removed on XXXX/XXXX/2015 with enclosed all CERTIFIED RETURN RECEIPT communications with XXXX XXXX, police report. Experian is refuse and ignore to remove fraud accounts from my personal credit report stating to direct communication to XXXX XXXX or investigations ends. See attachmentsDuring the last 60 days investigations, Experian found that there were different version of my name on my report, I had to supply my ID and proof of residency and identity.Please see attachment. 
When I knew about these fraud charges was XXXX 2015 by a XXXX collection call. I contacted XXXX XXXX, grantor of the credit accounts through credit report, notified them there are fraud charges are made on my name, demand them to close account and validate via USPS Certified Return Receipts Three times to each grantor. XXXX XXXX ignored my request, never responded me ONE TIME till I filed dispute to credit reporting agency. Please attach documents. 
Now Experian is refuse to remove these XXXX fraud accounts from my record, accusing me that I did not communicate with Grantor, XXXX XXXX, knowing the fact that I had notified them since XXXX 2015 over ( Nine ) months. I filed claim to credit reporting agency dispute simply because I could not wait response from grantor any longer, I had to take an action against this fraud incident. 

Please see Expieran 's response attached. They stated as if I never contacted grantor, this is Impossible. I have been filing claim over and over to Experian, they are responding in only XXXX manner that I need to contact XXXX XXXX direct and XXXX XXXX does not want to do anything about it, and never even attempt to validate charges NOT EVEN ONCE. Just being silent party, meanwhile my credit is trashing as we speak! ( Please see attachments ) I am stuck with fraud account and Poor credit over 9 ( months ). 

Because of this credit fraud incident, my good credit line has been terminated due to dramatically dropped credit scores, I am devastated. Please helpPLEASE REVIEW MY ATTACHED DOCUMENTS, FTC, POLICE REPORT, EVIDENCE OF COMMUNICATIONS, HELP ME TO HAVE EXPERIAN TO REMOVE INCORRECT DATA FROM MY PERSONAL CREDIT REPORT. THESE XXXX XXXX XXXX ACCOUNTS ARE FRAUD CHARGES, I DO NOT KNOW ANYTHING ABOUT IT.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-25 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
It is impossible to fax or upload information for a FREE Freeze on my credit reports to the XXXX major bureaus without spending money. I am the victim of a crime and under the California laws it should be free for me to obtain a freeze on my Credit reports. I am uploading the police report with this complaint so that you can pass this information on to Experian, XXXX and XXXX. My credit is being destroyed by a gang of people in my town. My information was stolen by a youngster who I ministered to in my home. My social security number, copy of my drivers license, my bank account numbers, my will and all documents relating to my banking information was stolen from me including my health care information and credit cards. I submitted a police report # XXXX, but I can not afford to even mail this information to the credit bureaus right now. I need this freeze done right away. Why do n't they allow you to upload this to their web sites? I know they have the technology to do this. I want the FREE Freeze on all my credit bureau reports ASAP. Thank you for your help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08 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: FL

Complaint narrative:
Tried to get free credit report and it stated that I requested report on XXXX/XXXX/15 which I did not

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have sent in the information to Experian several times and they are not responding the other bureaus have removed the information right away. They are not responsive at all there is no way to talk with someone and will not allow me to do this online they want me to send the information by mail with my social security card and other personal information the company on the credit report sent it to them also. I am very upset they should have a way to speak with a person. 



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 2015-06-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
My student loans have been forgiven due to XXXX and the creditor ( XXXX ) responded to the dispute telling the agency to delete the accounts from my report. I have called XXXX and uploaded the documents. The creditor has sent the documentation at least XXXX times. They will not correctly update my report. I am attaching the report that was sent to creditors however, the only XXXX I have scanned in was for XXXX but it shows the same as what was sent to Experian.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
i look at my credit report and it shows a report on exprian that still on there system but all other credit bureaus is not there and removed it because it was paid and and updated from please please please have them remove this incorrect report wish i have documents that i payed

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-01 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Experian 's freecreditreport.com requires you to sign up for a {$21.00} per month membership to see my FICO credit score. I can sign up for the service online, but must call to cancel it. When I call, I am left on hold for long periods of time before being disconnected. This has happened XXXX times. I have yet to reach a customer service representative to cancel my " membership. ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-02 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:
I am filing a complaint against experian because I have been a victim of identity theft and filed a police report with the XXXX County Sheriff 's department on a fraudulent account that was opened with XXXX XXXX XXXX XXXX XXXX account number XXXX. This account appeared on my credit report and I immediately contacted the creditor and gave them my social security number and they were not able to locate an account. I contacted Experian and notified them that this might belong to my sister with the same name. They placed the account under dispute and they sent me a response saying the account was verified. At that time i contacted the creditor again and explained to them the situation and they looked up by my name and came across an account with the last XXXX digits of the social transposed to XXXX and mine is XXXX. I filed a police report and I uploaded the police report to experian and explained the situation to them and to please block and remove the account and the social variation of XXXX that is being used fraudulently and they have not removed the account from my file even though it is fraudulent and not even reporting my correct social.

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 2015-07-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am trying to open a my social security account and I ca n't because of Experian. I was told by the Social Security administration that the accounts are handled by Experian. After doing some research I found out that if you have a security freeze or fraud alert on your file that you will not be able to open up an account. I really need to open the account so I can check my XXXX status. I never asked Experian to add a fraud alert on my file, they did it without my permission. Please help me rectify this problem.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Under sec 609 Of the FCRA The Creditors must show A Document with my Signature On It to report the information. I know They do n't have that information on hand and They still keep reporting the Items on my Report I dispute. I dimmed this get fixe.

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 2015-03-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XXXX, 2014, I disputed a number of accounts for my husband and myself against my Experian credit report. I also provided documentation to support my request. I received a notice that the dispute was received form the bureau. However, the items remain on my and my spouses report with no change. 

Since XXXX, 2014, I have submitted online disputes to no avail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-19 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: TX

Complaint narrative:
Someone has opened a vehicle lease in my name on or around XXXX XXXX. Someone has opened a Home Equity Loan in my and on or around XXXX XXXX. 
I was not in the United States in XXXX XXXX. 
I have never purchased a home and therefore would not have a need for a Home equity loan. Someone has stolen my identity and used it to buy a car and a home.

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 2015-07-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Experience is reporting that I have a foreclosure on my credit report which I never had

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-06 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:
This account was awarded to my ex-wife in our divorce decree ; she continued to charge and paid until : XX/XX/XXXX, she left a balance of : {$250.00} ; her high balance at XXXX time was : {$4900.00} ; she stopped paying, she did not tell me and when I found out, the card was charged off and closed and now I have this account on my credit reports. My divorce was final in XX/XX/XXXX. The bills were sent to her address, and I can prove when I moved out in XX/XX/XXXX and I did not live with her, after XX/XX/XXXX. As of XX/XX/XXXX ; The Statute of Limitation Law protects me as a consumer, the XXXX anniversary from the last payment, this account is no longer collectible, no one can seek legal action towards me. Please help me remove this account from my credit reports, even though it is a low balance, it is affecting 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 explanation
Consumer complaint received 2015-08-08 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:
While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX XXXX on or about XX/XX/XXXX on Experian. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I recently applied for a credit card through XXXX. I was not approved. I was sent a letter stating that there is a fraud alert on my credit file, and no telephone number for the lender to contact me. I have not initiated a fraud alert, and I do not understand why my telephone number is not available for a lender to contact me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
XXXX is reporting incorrect negative information to Experian. There was XXXX semester where I was out of school due to a military ordered relocation. I contacted XXXX months before the move to inform them of my upcoming semester absence from school. I was told that I would not have any required payments unless I took more than XXXX consecutive semester off from school. I promptly registered and attended the next semester of school, and I did not think there was any issue. Upon checking my credit report, I noticed that XXXX was reporting late payments for that period. I disputed the item and it came back as " valid ''. I contacted XXXX directly and was told to write a handwritten statement and mail it via USPS, which I did. XXXX sent a letter back that the negative credit information was valid and they would not remove it from the credit report. I again attempted to dispute the item with Experian and it was again found " valid. I do not feel this is in any way fair, I was told that I was not required to make payments for that period and did not receive any notification indicating otherwise. The representative I spoke with apparently had no idea what she was talking about, and should have placed me in a " deferment '' status, rather than telling me that I wouldnt owe any payments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-06 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On, XXXX/XXXX/2015, I used the internet to get my XXXX score from Experian. I had to give them my debit card number so they could take a XXXX or whatever the cost maybe. On the weekend I tried to cancel my membership so I call the number on the internet just to find out they were closed. XXXX XXXX, 2015, I finally got in touch with a person who stated that she would discontinue my membership. I have a letter by email stating such. After that I noticed that my checking account was overdrawn. So once again I called Experian just to find out that they had stated that on the seventh day my account would be charged. I do n't remember reading anything pertaining to this. 
On, my bank statement you can see how it was after I made my call to cancel my membership. If I am not mistaken I do n't think they were closed on the weekend I tried. 
If I am not mistaken I believe that they already have your cell number so if or when you call before the 7 days are up they take the money out of your checking account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I sold my XX/XX/XXXX XXXX on XXXX XXXX, XXXX as a short sale. Experian reports this as a settlement. I have a " LETTER OF DEBT FORGIVENESS '' from XXXX XXXX XXXX. Also I live/rent now in a XXXX center ( XXXX XXXX @ XXXX XXXX XXXX in XXXX, California XXXX ) & Experian has me living in XXXX. I have no past due bills & do n't owe anyone/anybody money and have had credit for over 50 years.My XXXX XXXX " FICO '' score is listed at XXXX. Something crooked is going on at this Experian Corporation headquartered in some Foreign country. They claim my payments are XXXX % which is a complete lie. Can you help me in fixing these white-collar criminal activities. Thank you for any consideration in this matter. XXXX XXXX XXXX PS : I am almost XXXX, XXXX & an a XXXX Veteran. I will be mailing in some documents to 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 explanation
Consumer complaint received 2015-08-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
On XXXX/XXXX/2015 I recieved a responsive from Experian stating that if I do n't provide more information they would discontinue their investigation on a dispute I filed. I called XXXX XXXX today and they said my vehicle was paid on time with no lean or repossessions. They could have found that out also. It took XXXX minutes. XXXX is sending me this in writing within a week, something Experian could have done. Also XXXX dispute was removed from XXXX. I do not want a company to represent me if I am not worth the effort. I am going to contact the FTC and BBB and possibly a lawsuit.

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

Complaint narrative:
I have been a victim of identity theft. It has been documented with the necessary police report and affidavits. EXPERIAN refuses to delete the account from my credit file according to FCRA regulations despite being provided with the documents on several occasions via fax and certified mail. I hereby request the PUBLIC RECORD account - XXXX XXXX XXXX - XXXX be deleted immediately and no further action taken in regards to this account. This item was already previously deleted from my credit profile due to identity theft and the company is attemopting to reinsert this account in any way possible. This account should be removed immediately and it is still reporting.

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 2017-02-06 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: VT

Complaint narrative:
Hello, When attempting to request my annual credit report from Experian, the website says the report is unavailable online. It says " A condition exists that prevents Experian from being able to accept your request at this 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 2017-04-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
While checking my credit score Experian is showing a lein on my home by XXXX. 
This information is not correct and should never have been on any credit reports. I have documents from my Attorneys office that shows the information is false.

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