vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-01 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XXXX obtained my credit report without my prior authroization or consent. Since I already have a pre approved loan with XXXX, I informed them that I would use my approved loan instead of them financing. But XXXX XXXX pulled my credit report from EXPERIAN CREDIT BUREAU without my authorization. I also didnt provide any written or oral authorization for obtaining my credit report for auto loan financing. I also contacted XXXX and they told that they neither obtained my credit report nor applied for auto loan financing. Below are the unauthorized inquires. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Regarding account XXXX reported by XXXX XXXX XXXX to the credit bureau, Experian. I do not owe any debt, nor do I have any contracts to debt with this agency. This collections agency has not responded to requests to provide validation on the reported account and sends mail back as " Return To Sender ''. No correspondence has come from them, and they have made no claims to justify their right to pursue this account. Requests for investigation and disputes to Experian were delivered on XXXX/XXXX/2015, XXXX/XXXX/2015, and XXXX/XXXX/2015. No results were mailed to me from Experian about verifying infomation with XXXX, but the account 's information on my credit file was updated with all entries on the account saying " Not Reported '' despite the account still being present. This means the account has not been verified and the results were not sent to me within 30 days of XXXX/XXXX/2015. Experian has not complied with XXXX XXXX a ) ( XXXX XXXX requests to disclose THE method of verification used for this particular account, only a general statement of various possible methods with vague and unspecified procedures. Actions are FCRA XXXX violations. The account has been removed from other bureaus for failure to validate and verify. Attached are the dispute letters sent to XXXX XXXX XXXX that have received no response, as well as proof of mailings sent to their listed XXXX location that they Return To Sender. Also included is my letters of correspondence with Experian disputing the account, requesting investingation and method of verification, as well my proof of mailing. Also submitted is a copy of the way Experian has entered the account on my credit file to avoid removing it because XXXX has not validated the account. All documents were signed and notarized before sending 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 2016-08-05 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I am filing this complaint because Experian has ignored my request to provide proof with the documents that their company has on file that was used to verify the accounts I disputed. They have gone past the 30 days 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 issue 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 2016-05-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
In early XXXX after filing my XXXX taxes I contacted via mail from the IRS stating there is an important matter about my XXXX tax return. I contacted the IRS from their website just to be safe and spoke to a Representative who stated there was a return already filed using my SSN and Name. She went on to ask my some verification questions and indicated this was fraud, the return would not be processed and for safe measure I should check my Credit Reports to make sure whoever filed this return with my Name and SSN has not done anything else. After pulling all XXXX Consumer Reports, I found multiple credit accounts opened with my name and SSN, mainly credit cards. The accounts opened were credit cards from XXXX Bank- XXXX, and XXXX Bank XXXX Since I found all these fraudulent items in XXXX XXXX to current day, I have went through so many letters, calls, fraud affidavits, and credit disputes through the XXXX agencies. I have been successful in contacting these Creditors directly, explaining my issue, and being able to get the items removed after each company did investigations. The only fraudulent account I am still unable to get removed is the XXXX XXXX Bank Credit Card. I have contacted them multiple times asking to speak to their Fraud Department and was told they are unable to transfer me but will mail me paperwork to fill out to get the item removed. To this day I have not received any correspondence from them even after several phone calls. I have disputed the account multiple times through Experian and the other XXXX agencies but when the results come back, XXXX XXXX states the account belongs to me. I have mailed them a Fraud Affidavit from the FTC site which they stated they received in XXXX of XXXX but nothing has been done. I called again today, XXXX/XXXX/XXXX, I am told the same thing that they are unable to transfer me to their Fraud Department. The person on the phone stated the account was NEVER disputed through any credit reporting agency and she can see they did receive my Fraud Affidavit but can not provide me any other information. I then contacted Experian right after and spoke to a XXXX, who stated he can see I have disputed this item numerous times but XXXX XXXX states the account is still mine. I have also disputed the item with Experian and uploading the affidavit I sent to XXXX but still I can not get this fraudulent item removed from my credit file. It is very frustrating because I was able to remove all the other credit accounts from such big financial institutions after investigations were done and found to be fraud but can not remove a small credit account from XXXX XXXX. I am out of options or ideas on how to get this removed just like all the other Fraudulent items.

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 2016-10-04 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 tried numerous times to get these inquiries off my credit report as they are not approved by me. These companies have not granted any credit to me and I want them off my Experian report. I have tried faxing and sending letters and calling Experian with no results. 
1 ) XXXX Bank from XX/XX/XXXX16 & XXXX/XXXX/16 2 ) XXXX from XXXX/XXXX/16 3 ) XXXX XXXX/XXXX/16 4 ) Credco XXXX/XXXX/16 5 ) XXXX XXXX XXXX XXXX XXXX XXXX16 6 ) XXXX XX/XX/XXXX16 7 ) XXXX XXXX/XXXX/16

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 2016-04-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I requested to receive all three of the online credit reports at XXXX and was able to access XXXX and XXXX. I noticed a difference between reports and attempted to dispute the XXXX - XXXX XXXX XXXX Loan Amount. When I completed dispute, for Security Reasons the system booted me out. When I returned, it indicated I completed review of ALL XXXX credit reports. This is False as I could not longer logon again. I 've requested Experian provide me a link to retrieve my FREE Experian Credit report. 
Issue at hand : My Identity was misused by XXXX XXXX XXXX who was assisting me to purchase a property, XXXX XXXX, 2008, which he still owns. He used a Fraudulent Financial Institution : XXXX XXXX XXXX, Owner, XXXX XXXX, Used a Fraudulent Escrow Officer, XXXX XXXX with Fraudulent Escrow Co. XXXX, sold loan to a Fraudulent subsequent Financial Institution : XXXX, XXXX & XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX. Looking to EXPUNGE Fraudulent and Delinquent Bill from unknown Financial Institution. It 's not my Loan. 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 2015-10-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
XXXX accounts XXXX, XXXX, and XXXX ARE NOT MY ACCOUNTS ... these need to be removed. I have told them numerous times and no one cares. 
XXXX got these accounts from XXXX. XXXX allows anyone to order from them without any source of identification at all. All you give them is a name and an address and then XXXX. I need these account removed. this is effecting my ability to get credit.

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: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The employees at Experian is selling and exchanging unverified information in my credit file.They owe me a legal and lawful fiduciary duty.They are refusing to honor my Identity Theft Affidavit omb # XXXX, blocking request, and Identity Theft Report filed with the US Postal Inspection Service.They are reporting a bankruptcy and refused to substantiate the bankruptcy by oath or affidavit.Federal Trade Commission ID Theft Affidavit does not have an OMB Number issued by the director in accordance with the act.The employees at Experian should already have a copy of the paperwork on file already before they reported the bankruptcy, otherwise someone could mail fax or email in a fraudulent account.They continually send me form letters violating my civil rights ignoring my requests over and over again violating the Fair Credit Reporting Act.This account is inaccurate because it has not been verified.

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 2015-10-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Please see the enclosed XXXX statement for XX/XX/XXXX. My due date was XX/XX/XXXX and my account was paid on XX/XX/XXXX for XX/XX/XXXX and XX/XX/XXXX for XX/XX/XXXX. Therefore my bill was not late and please updates all credit reports with this information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XPN report : XXXX I recently applied for a home loan, and the lender obtained a copy of my Experian, XXXX and XXXX credit histories and shared it with me. I then obtained a copy of my Experian consumer disclosure to better understand the report. I have now seen there are a number of inaccuracies in my report. 

There are a number of items appearing only on Experian, which have long been purged as obsolete from XXXX and XXXX, since the date of original delinquency is more than 7 years ago. Specifically, these items are : ( XXXX ) tradelines from the Florida Department of Education, collection in nature, partial account number XXXX and XXXX ; ( XXXX ) tradelines from XXXX XXXX, partial account numbers XXXX and XXXX. 

There is also a tradeline from XXXX XXXX XXXX, which shows positive payment history and is reported as " disputed. '' This is erroneous and the information is not disputed. The " disputed '' comment should be removed.

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 2015-07-25 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian has XXXX Inquiries ( XXXX, XXXX, XXXX and XXXX ), XXXX Collections ( XXXX and XXXX XXXX ) and a Charge Off ( XXXX XXXX ) on my credit file that I have disputed more than XXXX days ago. I have contacted these companies about these debts and inquires and they failed to respond to my certified letters. I then contacted Experian to inform them of these disputes as well as provided them with proof and they ignored my request and have not removed them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Experian and XXXX continue to not comply I do not know what else to do, the lien was withdrawn XXXX removed it and evidence was submitted to all three. Please help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
Hello- We were the victims of XXXX and subsequently were awarded money in a lawsuit that the CFPB brought against XXXX for Mishandled loan modifications and delayed short sales. Our case is simple we were working on a loan modification with XXXX who our mortgage was with and our credit report shows when the loan servicing was suddenly changed to XXXX. From there everything went downhill fast. We were told we had XXXX miss payments on the loan to qualify for a loan modification or before they would allow a sale of the home. Because of this several sellers walked away and we had to take a much lower offer. For these reasons and many others listed in the lawsuit. I believe that this account XXXX which is now Known AS XXXX should be deleted from my Experian credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I originally submitted a complaint concerning Experian on XXXX 2015 concerning an account that was previously deleted, then sold to another collection agency and Experian was the only to place back on my credit. They have not provided final resolution. Since then have dropped my score XXXX points on XXXX/XXXX/15 for my XXXX account credit limit increasing from XXXX to XXXX. No not me using the balance, but the limit increasing? Then here recently XXXX/XXXX/15 I was notified my XXXX that my score reduced again my XXXX points due to me paying down a credit card owned by XXXX by {$100.00}. This makes absolutely no sense. My scores with the other CRAs are XXXX - XXXX and XXXX XXXX XXXX . My score with Experian shows XXXX. It is always between XXXX points lower???? 
I have placed at least a XXXX complaints with them of the last two years for several items that they erroneously report. I am sick and tired of there incompetency.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-30 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have filed several disputes for the account XXXX XXXX acct # XXXX. The credit reporting agency says their reporting correctly, which their going off the creditors original info. XXXX is a collection agency. They bought the original acct from XXXX 's clothing acct # XXXX in which the XXXX delinquent date was in XX/XX/XXXX. What XXXX XXXX is reporting is from the time they bought the acct in XX/XX/XXXX. This account has been delinquent over 7 year and is still reporting to all three credit report agencies. I 've sent letters to XXXX XXXX and to the credit reporting agencies requesting this to be deleted and both are not complying nor are they spending the amount of time to investigate to get the accurate info.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I disputed my account showing late pays - the account has been paid off and the late days that were reported were suppose to be removed due to an agreement I made with XXXX in exchange for paying the account off. I also do not agree with the XXXX late pays that are shown on all XXXX of my reports. I have asked for documentation and that has not been provided. the account is paid and closed- I would like the late fees removed as agreed per telephone conversation- I do not agree with any late fees but paid account off as conns said they would be removed

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25 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:
I have disputed XXXX act # XXXX with experian several times. I have received a deletion letter from XXXX stating that they are no longer reporting this account on my credit and supplied it to experian. However, experian ignored the receipt of supporting documentation and instead of deleting this account as instructed they have WRONGFULLY update this account to show balance XXXX ... I never had this balance with credit card..I mailed in anther dispute with supporting documentation and got a response that account was updated instead of it being DELETED. Then I called, and representative stated they already investigated once and will NOT redispute again! I was instructed to use their website for faster results however their site is unresponsive!!!!!!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
i am here in usa before 6 year exactly in XXXX/XXXX/XXXX and i get my ss ln XXXX/XXXX/XXXX before l was good in my live but in XXXX i had big problem like jobs living and ... ... .everything necessary in live for example i submit an application for XXXX, XXXX, XXXX and other. all those accept me because l am good driver and never have accident or tickets but when they see my credit they sad me we can ' t accept you because you have bad credit same problems when i want rent an apartment for living if i do not bring other person or/and bring money for deposit. l am tire with living in hotels please i need helps. 
i send an fax to experian but nothing i coll XXXX and XXXX they sad me your problem is Experian. 
thank you and i am sorry for my 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 2015-06-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
2010 I attended an online college called XXXX college, which was suppose to be located in XXXX, Ohio, but later found out it was located in XXXX XXXX, Fl. I found out they were taking out student loans months after I had withdrawn from there. I have been accruing hundreds and hundreds of dollars over the past XXXX yrs. from these student loans that I never approved or signed for, because of the student aid advisor who was actually a student himself that was fraudulently scamming me by taking out loans without my approval and who knows how many other people who attended this fraudulent online school.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29 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: WA

Complaint narrative:
I requested my free annual credit report back in XXXX. I received a report from XXXX and XXXX, but Experian refused to provide it. 

I would like Experian to fulfill their obligation to supply a free 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