vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-21 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:
On XX/XX/XXXX I received a call from one of my retail cards, XXXX, asking why I am changing my address and phone number on my new account. I confirm that I did not change that information and contacted each one of my accounts. I discovered the address, phone number and email address had been changed on every one of my retail credit cards. There were two address used XXXX one in XXXX and and other in XXXX XXXX addresses were reported to all three credit bureaus- even after I reached out to them and put a fraud alert on my credit accounts and credits reports. On XXXX XXXX, an unauthorized purchase was made on my XXXX account and shipped to the XXXX address. I had XXXX intercept the package and retail it to the retailer. On XXXX XXXX, the address was changed on my XXXX XXXX account. XXXX XXXX reported that a purchase was attempted but the purchaser could not verify the personal information on my account, so it was declined. There are multiple credit inquired on my credit report that I did not authorize that go back as far as XX/XX/XXXX and the defrauders used an incorrect variation on my name XXXX XXXX XXXX XXXX. I have locked all of my credit accounts and frozen limits. However, I wanted to buy a house and need to apply for a mortgage in less than 30 days. I will continue to monitor the situation but I need help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX Report.com, Experian 's consumer service that says it gives you real, accurate credit scores from all three agencies. It is telling me my XXXX score is XXXX, my XXXX is XXXX, and experian is XXXX. Yet I ran my credit and none of those are even close to the scores actually reported to credit and lending institutions. They are charging me {$60.00} a month for the service. That 's fraud and misrepresentation. I know, I work at the FDIC when the CFPB was formed in XXXX directly for XXXX XXXX. This is criminal. Please investigate and let me know.

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 2015-11-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I had a number of tax liens that I have seen paid and satisfied with the State of Ohio. Once I received the notices of satisfaction and after I filed the paperwork and paid the necessary fees with the courthouses, XXXX and XXXX XXXX, I then sent copies to all of the credit reporting agencies. Several of the liens have been deleted. Others still remain. XXXX still reports XXXX. Experian still reports XXXX. XXXX still reports XXXX and XXXX all of which have been paid and released and I have sent supporting paperwork multiple times. Each time I dispute, they will reinvestigate and confirm but will not delete. However, several other liens were deleted upon request. It is difficult for me to understand the randomn action. I am rebuilding my credit and the liens will hold me back in terms of my score and will make it continuously difficult for me and my new family to prosper. I am asking this board to investigate if needed/and or direct the credit agencies mentioned here to deleted the aformentioned liens on my reports. Thank you and I appreciate any help you can provide.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian continues to report a negative payment status ( XX/XX/XXXX ) on a XXXX XXXX account that was settled in XX/XX/XXXX. I have disputed this error twice before, most recently on XX/XX/XXXX. Experian 's response was that it would take up to 30 days for them to contact XXXX and to complete their investigation. It has been XXXX days with no correction of this error and, in fact, Experian continues to move the delinquency to the most recent month ( now XX/XX/XXXX ) for the apparent purpose of causing the most damage possible to my credit. My dispute submitted on XX/XX/XXXX included a reference to CFPB complaint XXXX which was my dispute directly with XXXX. XXXX XXXX response agreed with my complaint and stated, " On XX/XX/XXXX, we requested the credit reporting agencies to update their records to remove the delinquency that was reported for XX/XX/XXXX. '' XXXX and XXXX did correct this error, however, Experian has simply moved the delinquency to XX/XX/XXXX. They have arrogantly ignored the intent of the instructions from XXXX and now falsely claim that they are " contacting the information furnisher '' to complete their investigation. The response from XXXX clearly indicates the wishes of the information furnisher ( XXXX ) to remove the delinquency so Experian has absolutely no excuse for continuing to report this error. This is a clear and intentional violation of the Fair Credit Reporting Act Since the CFPB has, by federal law, responsibility for the oversight of the credit reporting agencies, I request that the CFPB take action beyond just forwarding this complaint to Experian. It is evident that Experian has no intent to take action to correct this erroneous reporting and is in violation of FCRA sections XXXX and XXXX ( willful and negligent noncompliance ).

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 2016-03-16 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I disputed items on my Experian credit report, but was told that the request would not be honored because it did not look right. Experian sent me the notice with one side of the document left blank. I made another dispute attaching their document to it and requesting a free copy of my credit report. They advised me to go online to make the request. I informed them that by law they have to honor my dispute and send me a copy of my 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 explanation
Consumer complaint received 2016-04-18 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:
On XXXX XXXX, 2016 I mailed Experian a dispute for a collection account on my credit file. On XXXX XXXX 2016 I received a letter from the collection agency dated XXXX XXXX, 2016 stating they could not verify the account and that they need more time to verify the alleged debt, On XXXX XXXX, 2016 I received a letter from Experian dated XXXX XXXX 2016 shwing that the collection account continues to remain and my credit report after the processing of my dispute. Experian has violated my rights by falsely verifying a collection account and continuing to list it on my 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 2017-02-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The item is not mine. Company has n't deleted item after I provided proof.

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 2015-06-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX is a collection agency and is reporting inaccurate information about me to Experian. After my initial dispute they are reporting an account for {$67.00} on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
I have supplied the dispute report number and will attach that document along with the additional documents. 
Background : I tried to sign up of the Social Security website for an on line account- upon doing so I was not able to so I called the SSA office number supplied by the website. I explained all of my information is correct etc. 
The SSA rep. explained that identity verification is drawn from Experian and I needed to contact them ; si I did. 
Upon doing so, the Experian rep. explained to me that she has no idea what information was supplied to the SSA office, but did I see anything? Yes I did an address AND that my complete and legal name is n't referenced anywhere!! 
I said so I dispute the reported address and my name and that 's it? NO she replied- I was told I HAD TO CONTACT the creditor and supply them with all my correct contact information!! I said the creditor HAS my correct information as I have mail from them and I have never lived at that address nor had I supplied on a credit application etc. Her reply once again was I needed to contact the creditor!! 
So the attached documents validate that the creditor reporting incorrect information has my REAL information as I have documents from them- see attached- I even supplied who and what business is actually at that address. 
Please see attached Experian Report for their answer to my dispute and documentation. By the way- XXXX XXXX and XXXX a report my current address correctly AND list it as such- Experian does not identify the current address. 
When looking at their Values statements posted on their website and comparing it to the baloney they list as how they collect data and apparently the information was deleted but its still on my report. 
In closing, I find it reprehensible that Experian provides an UNKNOWN combination of information reported by people other than the legal entity that the report is about to SSA, and frankly anyone, this debacle creates stress on me and delays important benefits health, financial and Identity Verification. If you read the Personal Information section and then read their website on their commitments to the integrity of their data and services. Its sounds GREAT! But in actuality it is poor at best and the US Government and Experian are playing the NOT OUR FAULT GAME and pointing fault at each other. 
The simple solution is full disclosure and transparency of the specific details about the information provided, shared and collected and put the ownership of validity on the credit reporters and account providers. not what is in the personal information section.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30 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:
Experian still has showing on my credit report an unauthorized inquiry from XXXX XXXX XXXX dated XX/XX/2014 after they stated it was not showing on my report. I need for this unauthorized inquiry be removed once and for all.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-19 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have an account on my credit that were supposed to be deleted. XXXX was to be deleted on XX/XX/2015.

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 2016-12-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
An former address for a current employer was incorrectly attributed to me. The credit report refused to remove it. It has negatively impacted me as bills have been sent to that address and not to me, because I 've never received them they 've gone unpaid and entered collection status. The address in dispute is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. See pg XXXX of 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 explanation
Consumer complaint received 2016-04-13 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been trying to dispute this on my credit report. XXXX is reporting me as failure to pay. I have made over XXXX {$25.00} dollar payments. I have tried to upload a copy of XXXX check that represents over 65 such payments to XXXX. Yet, experian just goes by what XXXX is reporting. what about these 65 payments I have made and have proof of? Why is n't XXXX reporting that? i ca n't get anywhere with Experian and their dispute system and it 's negatively impacting my 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 explanation
Consumer complaint received 2015-08-18 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: KS

Complaint narrative:
I continue to receive offers under my previous name, XXXX XXXX, over XXXX months after opting out of marketing offers, and after filing a complaint XXXX months ago, in which the company stated it may take a year from my original opt-out date of XXXX 2014. It has been well over a year and I continue to receive these unsolicited, multiple, unwanted offers ( see most recent offer attached ). The offers contain the opt-out notice at the bottom. I do n't know of any other way to opt out than what I have already done, by phone, permanently by mail, etc., yet they continue to come in years later. This is unacceptable and puts my personal information in jeopardy of identity theft. I have requested multiple times to stop receiving these offers. What more do I have to do??

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts, names, and addresses I disputed. Being that they have gone past the 30-day mark and can not verify these accounts, 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 manner as soon as possible. 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 2015-05-31 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:
After becoming a victim of ID Theft, I obtained a police report from my local police department. With that, I notified all XXXX credit agencies, to put a fraud alert, or freeze my reports. I then filed a complaint with the FTC, and combined that with my police report, and wrote a detailed letter to Experian, explaining exactly which accounts have been effected by identity theft. I send these certified mail, and it has cost me nearly {$40.00} in mail. 
They simply respond with apparent " Stall Tactics ''. XXXX reply dated XXXX XXXX, says " Take some time and review your credit report, look for fraudulent activity '' I clearly told them of each account. I immediately contacted the Fraud department at Experian, with my " CreditCheck Monitoring '' service I have paid for for several years. The man I spoke with, said he thinks the police report looks " Fake '' and laughed. 
I assured him, it was not fake, and to contact the officer to verify the information. He advised me, this police report was not notarized, and therefore worthless. I got the document notorized, and faxed it to the Experian Fraud department. I followed up, with the notarized copy of the police report, and notarized FTC report. 
Experian 's response on XXXX XXXX, is to now include more information. Now it must have nearly XXXX additional pieces of information, I have already provided. 
I contacted the police department, and they do not complete separate police reports, simply because XXXX credit reporting agency refuses to comply with the law. 
Experian refuses to block the fraudulent information from my report. I am trying to keep up with this fraud as its piling up, and they will not even begin assisting me. I have spent XXXX dollars providing them all this information, by taking time off work, visiting police stations, and investigating several databases. They MUST start doing their job!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Just like the radio advised me I should do, I pulled a copy of my credit report and there areitems that just are n't accurate on it at all. I am greatly concerned because I am a good paying person and do n't want people to think otherwise because of the mistakes that are on your report about me. 

Please adjust the following items so if whoever looks at my credit report, they will see what a good payer and citizen I am. 


Incorrect Name : XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

Incorrect Social Security Number : XXXX This SSN is incorrect and is not an accurate SSN for me. Delete this XXXX and any accounts associated with it for violating the FCRA. 

XXXX This SSN is incorrect and is not an accurate SSN for me. Delete this XXXX and any accounts associated with it for violating the FCRA. 

Incorrect Address : XXXX XXXX, CA XXXX This address is incorrect and is not an accurate address for me. Delete this address for violating the FCRA. 

XXXX XXXX, CA XXXX This address is incorrect and is not an accurate address for me. Delete this address for violating the FCRA. 

XXXX XXXX, CA XXXX This address is incorrect and is not an accurate address for me. Delete this address for violating the FCRA. 

XXXX XXXX, CA XXXX This address is incorrect and is not an accurate address for me. Delete this address for violating the FCRA. 

XXXX XXXX, CA XXXX This address is incorrect and is not an accurate address for me. Delete this address for violating the FCRA.

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 2017-02-26 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:
I have several inquiries that are showing on my report - I did not authorize any of them. Please see attached letter enclosed, along w/my drivers license and social security card, for identity purposes.

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 2016-11-07 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:
I have never had a XXXX account and it is showing up on my credit report. The credit card was opened because I was XXXX so I could not have opened a credit card.

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 2015-03-27 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: CA

Complaint narrative:
As a XXXX. Routinely, Experian denies my patients their free credit report online, requesting they send in a written request. I myself just requested my credit report, and I KNOW that I had all of the correct information to access my report, yet I was also told to submit a written request. Clearly, Experian is denying citizens their right to a free credit report. I noticed that XXXX plays the same game. This behavior not only needs to stop but be punished. 
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 2015-03-25 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:
My divorce decree indicate that my ex wife to pay all medical expenses created by her children. A collection was placed on my report resulting from her failure to pay the medical bills from her daughter. 
I have disputed the issue with Experian and they sent a report stating the collection will remain and to work out a payment arrangement with the creditor

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