vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-16 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:
My husband and I applied for a home loan with XXXX home loans lnc. He was approved for the loan, but I was not because I had no credit. Later XXXX got the loan and placed it on my credit report. XXXX, got the loan, and continued to post on my credit report. Experian refused to remove both after my dispute.

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 2015-10-26 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filling this complaint because XXXX has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 XXXX 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 matter as soon as possible. Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XXXX 2011 my wife and I sold our Florida apartment through a short sale with the XXXX. Although this was clearly a short sale, this transaction was reported to the credit bureaus by this Bank ( XXXX ) as a foreclosures. I 'm still paying the note to the bank for the difference of the sale price and the original mortgage note amount due. 
Ever since then my credit has been compromised and ruined because of this false reporting by this bank. Every time the need for a loan or any other credit check is needed on my behalf this foreclosure pops up scaring lenders away. This has been appalling, has been a disaster and continues to be a disaster.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: UT

Complaint narrative:
My original loan on my property was with XXXX XXXX XXXX ( account number XXXX XXXX, they sold my loan to Ditech Financial. On XXXX XXXX I made my payment to XXXX with the understanding that all payments would be forwarded to Ditech until XXXX XXXX, 2016. Since XX/XX/XXXX, Ditech has repeatedly told me that the payment has been found but it was never processed. I have called them 9 times to rectify the problem. I have mailed, faxed and emailed them proof of the received checks and documentation necessary to prove my claims. They will not process my payment and claim I am delinquent which I am not! They have filed a 30 day late on my credit. When I contact them, I am repeatedly sent to an account representative by the name of XXXX XXXX at extension XXXX who never responds to my messages and then I get a prompt that literally tells me that no one is available to help me now. I have sent the same documentation to XXXX XXXX XXXX but they tell me the problem is on Ditechs end. I am at a total loss and am trying to fix this problem. Please help!!! Ditech is the worst Mortgage company EVER on this planet!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06 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:
There are XXXX names as well as XXXX or more addresses and credit card institutions as well as accounts on my credit report that do not belong to me, that I have never used, and that I do not use, and never have given anyone permission to use. The information on my credit report is false and has caused me harm in the forms of loss of homes jobs and more. I want this information immediately removed and expunged 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 2016-01-20 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Greetings : I am the Owner, Authorized Representative, and Attorney-In-Fact, for the legal fiction XXXX XXXX XXXX ; said legal fiction being organized under the following organizational ID numbers [ XXXX ] ; and indemnified under the U.S. TREASURY ACCOUNT [ XXXX ] ; by the operation of House XXXX XXXX XXXX of the United States Congress, passed in Congress assembled on XX/XX/XXXX. 

It has been represented to me that you are holding debt in the name of XXXX XXXX XXXX. You are hereby given official NOTICE that the legal fiction entity XXXX XXXX XXXX is my secured private property, and all accounts thereof are accepted for value, pre-paid, and exempt from levy, and held for me by the filing of XXXX Financing Statement No. XXXX XXXX, through the State of XXXX. 
Adverse information bearing your organization 's name has appeared recently on the credit report for XXXX XXXX XXXX ; issued by Experian ( attached ). 
In the event that you wish to continue attempts to report false invalidated, and unverified information causing further injury to agency XXXX XXXX XXXX, I will be obliged to report your Agency to the appropriate authorities. Please provide Me with a sworn affidavit in validation of the alleged debt. Please also provide me with the name and address of the real party of interest. 

In the event this debt is not validated within 30 days, I expect that all adverse information will be withdrawn from the credit records of XXXX XXXX XXXX immediately. In the event such adverse information is not withdrawn, I will accept your refusal as willful intent to slander the credit of XXXX XXXX XXXX, and take appropriate action under the Fair Debt Collection Practices Act and the Truth in Lending Act, based on your bad faith efforts to defraud me. ATTACHED IS CERTIFIED COPY XXXX FROM THE SECRETARY OF STATE XXXX THAT THERE ARE NO LIENS FOR 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 2015-06-30 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:
I am a victim of identity theft and fraud. I attempted opted out of pre-screening on the XXXX of XXXX, and suddenly I could not gain access to Experian to check my credit report. I tried to open an account with creditchecktotal to see all of my credit reports and was not allowed to do so. I then attempted to see all XXXX reports on XXXX 's paid credit monitoring service that I pay for each month, and once again I was not allowed to view a tri-merged report. I contacted Experian and was told that my social security number has an alert on it and I will not be able to access, view, or dispute any items on my credit report from Experian. When I inquired as to how long I was told that there was no answer that could be given to me. I have been locked out of my account for 3 weeks now with no method of relief or appeal to dispute financially impacting negative items and inaccurate information on my credit report..

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

Complaint narrative:
Hi, I am unable to receive my credit report online, and this is preventing me from applying to credit cards or viewing reports online. I received the credit report in the mail, with report # XXXX, but even trying to access this report online results in errors. I am unable to upload my verification information online. I have sent via XXXX the same information to Experian, but have received no response. 
When I try to access the report online at the following url ( XXXX, which re-directs to XXXX ), I am still unable to access my online report either through the top option-Access By Report Number, or the bottom option-Access by Personal Information. I am still unable to access my credit report online. I am more than happy to provide the information ( attached to the cfpb dispute ), or via experian.com/upload, but I receive the same error on all sites ( attached as a new attachment ).

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 2017-02-17 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:
Experian fail to delete negative wrong personal information on my report. Also, dispute results states that wrong residence has been deleted but every wrong address is still showing on my report results.

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 2016-12-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I have submitted proof that certain accounts are not mine and these accounts have not been taken off ( XXXX ). I have also disputed XXXX Credit Card account because it says I have paid late but I have submitted proof that I was not late on the account. There are other accounts I have disputed as well but they do n't verify the information and they do n't even look at the proof I have submitted. This is frustrating. I would like to buy a house and with this incorrect information on my credit report it is impossible to do so. XXXX has already removed the XXXX yet Experian and XXXX have not. I have submitted the same proof to all 3 credit agencies but it is clear that they do not even take time to look at the proof. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts that have been posted on a credit report. Countless times I have fought with the credit agencies but have made very little progress. Even with the proof I have submitted it is still ignored. There are also other accounts that I never opened. I am trying to be proactive and tackle this before I hire an attorney to go after these credit agencies. Because the XXXX website only shows payments made during the current year I am unable to print off the proof of on time 2015 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
Consumer complaint received 2015-06-02 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 PROVIDING A COPY OF THE NECESSARY DOCUMENTS REQUIRED FOR A IDENTITY THEFT REPORT PURSUANT TO THE FCRA 605B.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-26 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:
The credit bureau is not blocking the information within four days per FCRA 605B ( 15 U.S.C. 1681c-2 )

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 2016-02-12 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 contacted experian, but they refuse to help me. I have a XXXX home loan on my credit that belongs to a family member. That same family members personal information ( name, address ) is also listed on my credit report, as well as their paid off car loan, and some past due bills. This is something that is stopping me from bettering my credit, and buying my own home. I do n't understand how it is legal for experian to put incorrect information on someone 's credit report and on top of that refuse to fix the situation! And something as big as a home loan should be taken extremely seriously when it 's placed on the wrong person credit, but experian does n't not care, they think that the name is close enough so they put it on your credit, or the social security number is ALMOST correct so they put it on the person 's credit. This is ridiculous and should be unacceptable! I want it fixed!

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 2015-10-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have a XXXX " Charge Off '' on my Experian credit report that 's allegedly due to expire in XXXX XXXX. This is wrong, my charge off was first reported to Experian in XXXX XXXX. Now that this is XXXX XXXX, as required by law, 7 years have now passed and It needs to come off my credit report. Please have this removed from my credit report ASAP. How can Experian credit agency be so far off with their data. I have called XXXX many, many times about this issue and they do n't even have this account number in their database. 

XXXX has my XXXX credit report listed correctly. I have included a copy of my XXXX credit report, dated yesterday, XXXX XXXX, XXXX, as you can see, there is no negative activity listed. 
Thank you, XXXX XXXX XXXX XXXX cell

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-31 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Receiving unwanted marketing/advertising
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX reported a hard inquiry to Experian Credit Bureau on XXXX/XXXX/2015, without my knowledge.

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 2017-02-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XX/XX/XXXX Re : XXXX Experian Credit Report I, XXXX had experienced, yesterday ( XX/XX/XXXX ) in an attempt to retrieve my Experian credit report, two questions suggested that I had taken a mortgage loans from one of the four banking institutions and the other question suggest I had taken a car loan for which, I had answered both of those questions as none of these above then I was denied access to my online dispute service provider for answering one or both question ( s ) wrong. I had not taken any financial mortgage, credit cards and [ or ] car loans in the past or present since, my last credit report number XXXX dated XX/XX/XXXX. I had frozen my credit report information therefore, any person should have not been approval for any mortgage, car, or credit card loans against my credit report accounts for which, I have no credit history. 

I would gratefully appreciate your investigation into that matter and please provide me with a free credit report. 









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 non-monetary relief
Consumer complaint received 2016-04-08 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 had a vehicle Financed through XXXX XXXX. I paid the monthly on time every month except one month I had my payment defered. I traded this Vehicle in for another in XXXX of 2015. My credit report shows a repossession of said vehicle and I have disputed this with the bureau several times. And every time it comes back verified. I have contacted XXXX about this and they tell me they have not verified anything regarding a repossession on my account. I have sent numerous letters to the reporting credit bureau to no avail. My next and final option is a lawsuit against the credit bureau for damages caused by their lack of effort in correcting the matter.

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 2016-10-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have outdated information on my credit report date from 2006 even accounts with the open date unknown numerous incorrect payment information as well.

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 2015-10-16 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Receiving unwanted marketing/advertising
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The website : XXXX used by the credit bureaus for marketing only allows for electronic opt-out for 5 years and a consumer must print out and mail in a form to permanently opt-out. This is ridiculous. 
A consumer should be able to permanently opt-out of marketing online, the same as you can for 5 years. Why do they even offer 5 years opt-out? It 's a scam by the credit bureaus to keep people from permanently opting out by making it more difficult and having to mail in a form. 
I do not have access to a printer at home and this is a hardship on plenty of other consumers, I am sure. 
Thank you, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 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: PR

Complaint narrative:
still no credit report issued. it is preventing me from refinancing my home

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I Purchased an item from XXXX XXXX, paid with XXXX account, I never received the item. I opened a claim immediately but because I had a credit with XXXX they still charged me for the item. XXXX took a long time with the dispute and closed my account showing that I still owed it. 60 days after the dispute was open they closed my account after repeated calls and speaking with supervisors. 
XXXX finally answer the dispute after I dealt directly with XXXX since XXXX did not move on it, XXXX confirmed with XXXX and after their investigation they determined that I in fact never received the item. XXXX provided me with a letter apologizing for the mistake. XXXX tried to reimburse XXXX but my XXXX account had already been closed by XXXX. On XXXX XXXX sent me to their collections agency, XXXX XXXX XXXX, to whom I also disputed the validity of the debt and provided them with proof of the dispute but they did nothing. XXXX charged me interest over interest and sent me to this collection agency. I did not owe this account. 
Item was {$99.00} I ended up finally paying the collections agency because both accounts affected my credit. Paid over XXXX in charges and penalties for an item that I never received and for the lack of professionalism and protocol that XXXX should of taken. First they never followed up with their procedures on the dispute and then followed up with closing my account. It was through my own efforts that I got things settled directly with the merchant. 
For years this was a battle between XXXX and then the collection agency. It has affected my credit and not to mention put me through the anguish of fighting them with different people who none of them were helpful. 
I request a full reimbursement for all fee 's paid plus money for damages and anguish caused. But most of all I want these XXXX companies deleted of my credit report. 
XXXX / XXXX Account # XXXX & XXXX XXXX XXXX My report does not show that I owe them because I needed to show some what of a positive report but never the less they still show on my report and it has affected me in obtaining loans with higher interest rates and not being able to qualify for a mortgage loan. 

Please humbly review all my letters and the facts and restore reinstitution because no one else should be subject to all of this anguish and pain brought by one company who had til this day not taken any responsibility. 
Sincerely, XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXXXXXXXXXX

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