vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-14 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:
This is an amendment to complaint # XXXX I did not list the inquiries to be blocked : I have inquiries on my credit that do not belong to me and I have disputed these multiple times with the credit bureaus ( XXXX , Experian, XXXX ). I submitted a police report, FTC report and letter XXXX times and they refuse to remove these in violation of section 605B. Under this section, all disputed account must be blocked within 4 business days and require a full investigation. I have never disputed these inquiries before ; therefore, they can not be considered frivolous. This is my last resort before I send an intent to sue. I am a victim of identity theft and these inquiries are the result of someone else using my information. 

These are the inquiries that must be blocked within 4 business days : 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 chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
: Hello, The other day I was checking my report on Experian, it came to my attention there are XXXX different address on the report ( under my social number security number ) and another XXXX listed but it said I might also go by the name XXXX XXXX XXXX. I have never used that initial in my name my name is XXXX XXXX XXXX. 
There are XXXX very incorrect address in, NY I have only lived in lived in XXXX NY and another address for XXXX XXXX XXXX I never lived in either. None of my correct address are even listed. 
what do I need to do to change this and add all of my correct address?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Re : XXXX Account number : XXXX XXXX regards to this creditor reporting my account 30 days past due. This is very much inaccurate. 
I have spoken with these illegal representative XXXX in regards to maing sure my payments are automatically drafted from my Credit Card. 
and 5x, I have received 5 different responses of yes, no problem, to it is there, to I 'm not sure we can do that, to the last time of, Your card was charged already. 
I can not be more clear when I say this, you CRAs BETTER make sure you get this late mark off of my credit report, or I will be escalating this complaint to the Attorney General against you and XXXX!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
experian reporting a judgement on my credit report this judgement was vacated please remove this asap.

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 2016-05-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This complaint is against XXXX XXXX XXXX XXXX XXXX, who practices in XXXX XXXX XXXX XXXX XXXX m XXXX, CA XXXX ( XXXX ) XXXX for falsely reporting for non payment of fees for an appointment that I did not schedule I called the doctor for an appointment of re-unification therapy with my daughter. Before we hanged up, i said, I will call back to confirm after I talk to my employer to see if I can get time off work. I was unable to get time off and hence did not call the doctor to indicate that I was coming as I had told him earlier. Even though I told him that I will call to confirm if I was coming, he still is charging me unfairly for the appointment that I did not attend and also incorrectly reporting to the credit agency to tamper my credit score. I request you to please see if you can help as my rights are compromised incorrectly as it has affected 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 2017-03-16 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:
I added my husband as an authorized user on my XXXX rewards card. He is not a signer on the card. I just found out They are reporting it to the credit bureau. I called them and they refuse to remove or change it going forward and insist that they are allowed to do this. My husband signed a form to be added as an authorized user and nowhere on that form does it state that they would report it to his credit. I am the only card holder/signer. This should not be on his 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 2017-02-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have contacted Experian multiple times to inform them that they are reporting someone else 's Public Records information on my credit file. Experian have not removed this information from my credit file to date. Experian is reporting a Public Record filed XXXX/XXXX/2016. According to the Courts, they did not supply information to Experian for the incorrect data that they are reporting on my credit file. I need your assistance in getting this matter resolved and removed from my credit file.

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 2016-04-06 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 ALOT OF INQUIRIES ON REPORT THAT ARE NOT MINES NOR DID I AUTHORIZE. I HAVE also submitted XXXX for user accounts still on credit report. I ALSO HAVE SUBMITTED FTC ID REPORT FOR ITEMS THAT SHOULD BE DELETED. 

XXXX XXXX ACCOUNT SHOULD BE DELETED AS WELL SINCE COMPANY SOLD MY AGREEMENT.

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 2017-01-22 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
EXPERIAN is illegally and unlawfully reporting information on my credit file. I 've asked for the following information : a ) Federal Reserve form XXXX registration statement, ( b ) Federal Reserve form XXXX ( b ) ( XXXX ) prospectus, ( c ) Federal Reserve form XXXX balance sheet ( s ), ( d ) Federal Reserve form XXXX balance sheet ( s ), ( e ) Federal Reserve form XXXX balance sheet ( s ), ( f ) The Deed of Trust. ( g ) Chain of custody and They have not responded to my request. I also asked them to present a certified final forensic audit from EXPERIAN in accordance with XXXX in accordance with basel XXXX accord and XXXX. I also asked them to present these documents from the folowing vendors/creditors : XXXX-account : XXXX, XXXX XXXX account : XXXX, XXXX-ACCOUNT:XXXX, and XXXX XXXX XXXX-accoutXXXX and they have failed to do so.

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 2015-08-08 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
A few months ago I requested my credit report from Experian. I got back this letter from them telling me that they received something that looked like fraud. I did n't get a chance to call them right away and I honestly thought it was some kind of mistake so I just went online and got my report from some website instead. 
I ended up filing some disputes because there was incorrect and incomplete information on my credit report. So I prepared a nice letter and sent it with a copy of my driver 's license, proof of my social security number and proof of my mailing address so that Experian would be able to verify my identity. 
It has been at least 2 months since I mailed my letter and I have n't heard back. When I try calling their XXXX number they want a report number before I speak with an agent and since I do n't have XXXX I ca n't speak to anyone. 
I thought that the credit companies had to respond back to me within 30 days otherwise they are supposed to remove things from my credit report?! 
Well it 's been way more than 30 days and all of the stuff I disputed is still there. I know I can go online and buy a credit monitoring service and try to dispute things online but I thought that Experian is supposed to help me for free! 
I 'm at the point where I 'm done wasting time and need to get this fixed immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-27 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:
In XXXX 2015 I submitted a fraud claim with Experian they removed some items but not all of them. I was instructed to obtain a police report which i filed on XXXX XXXX, 2015 so I sent that over to them. Now I still have XXXX accounts that they will not remove that were listed on the police report. This is completely frustrating because XXXX and XXXX has already reviewed the info and removed the accounts but Experian wont help me become a better person. Too may hours and time wasted for no reason! I want the following accounts blocked from my credit report immediately please. XXXX. My report number is XXXX Thank you so much!

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 2017-01-07 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 personal information was leaked or stolen XX/XX/2010 and has been used to obtain medical accounts, loans, and education in my name. I 've been aware of this but had no resource or way to fix it. Tried disputing accounts, tried locking my credit, tried calling the places, and even changing my social. Was n't till last year I did more research on how to take control of this. My wife and I both have been affected and have managed to buy stuff given this and when we spoke to the police department they did n't have much answers just to either go to the credit bureaus or change my name because they said it was common? I 've been compiling evidence or proof against the creditors and credit bureaus because they do n't seem to care or they think i 'm lying. Figured this was my last stop or just wait 7 years i guess for this to fall off my credit. 
My personal information was leaked or stolen XX/XX/2010 and has been used to obtain medical accounts, loans, and education in my name. I 've been aware of this but had no resource or way to fix it. Tried disputing accounts, tried locking my credit, tried calling the places, and even changing my social. Was n't till last year I did more research on how to take control of this. My wife and I both have been affected and have managed to buy stuff given this and when we spoke to the police department they did n't have much answers just to either go to the credit bureaus or change my name because they said it was common? I 've been compiling evidence or proof against the creditors and credit bureaus because they do n't seem to care or they think i 'm lying. Figured this was my last stop or just wait 7 years i guess for this to fall off 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 non-monetary relief
Consumer complaint received 2016-02-01 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
My dispute regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX has not been addressed. It has been over 6 months and the information still shows " re-investigation in process ''. XXXX has failed to provide adequate results within the time limit. I am asking that this be removed from my credit file ASAP. XXXX and Experian removed this debt after re-investigation over 6 months ago. My dispute was filed in XXXX 2015 ( see outcome from Experian in XXXX 2015 ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-17 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Since my bankruptcy discharge, XXXX XXXX, 2016. I have disputed incorrect information on my credit reports through all three major credit bureaus multiple times online over the past 3 months. This is becoming very frustrating and although all XXXX XXXX 's with each complaint, did slightly alter some information such as " chapter XXXX '' when I filed chapter XXXX, the post bankruptcy reporting is not per the Fair Credit Reporting act. All XXXX of the accounts still showing as negative, charged off, are keeping my scores in low XXXX 's. As well at my debt to income isnt accurate. Please assist me in this step of my attempted credit repair?

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 2016-05-08 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint because Experian has ignored my request to provide me 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 ( 5 ) ( A ) of the FCRA- they 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 explanation
Consumer complaint received 2015-09-24 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Marlette Funding, LLC
State: PA

Complaint narrative:
the loan is with Best Egg, who transferred the money into my bank account [ good ] but has not ever given me a statement, correspondence, or any way to contact them or keep track of loan. I would 've liked to make additional payments but the info they show when withdrawing payments from my bank account does not provide any information I can use to do so. also, they advertised low rates but that does not turn out to be the case.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am requesting an Emergency Lock down on my credit, In the month of XX/XX/XXXX I received XXXX inquiries all within a 10 day period. I gave no consent for these and now I 'm suffering because I wish to obtain credit for legitimate purposes and these inquiries are holding me back. I have submitted a screen shot from Credit Check Total Page showing these Inquires. If you could please get rid of them asap, as me and my girlfriend, ( soon to be fianc ) and planning on buying a house THIS YEAR and need a tight 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 2015-05-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian is reporting on report XXXX account is reporting wrong date of XXXX delinquency. XXXX account was sold/transferred XXXX times. Date of XXXX delinquency for XXXX account, original date is XX/XX/XXXX not XX/XX/XXXX. I have disputed several times and sent documents for support.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21 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:
Today I received in the XXXX a letter from " Experian '' credit bureau dated " XXXX XXXX, 2015. '' In it " Experian '' has under the " Personal Information '' section, myself as named " XXXX XXXX XXXX, name identification number XXXX. '' This is n't me. My name is " XXXX. '' I am the victim of Identity Theft. When I called up " Experian, '' they refused to " Delete '' this " XXXX '' false/Identity Theft name off of my " Experian '' 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 2016-10-03 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:
I pulled my credit report from Experian, XXXX and XXXX and an unauthorized entry from XXXX XXXX XXXX. I have contacted the company via certified mail for validation of this account that was signed and delivered on XX/XX/2016. XXXX XXXX XXXX has yet to send supporting documents bearing my signature. I attempted to contact the company again via certified mail that was signed and delivered on XX/XX/2016 ; no response. Due to the lack of communication, I then contacting Experian, XXXX and XXXX regarding this account and they have yet to provide any validation regarding this unauthorized account nor has this company contacted the credit bureau marked this account as disputed which is a direction violation Fair Debt Collection Practices Act. This entry must be DELETED from my credit file.

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 2015-11-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I opened a secured credit card with a limit of XXXX XXXX dollars. After a year or so, i decided to close that card, why pay interest to the bank for my money. This action happened to impact my credit negatively. No one informed me that this would impact my credit negatively and i do not understand how credit reporting companies can just look at information at face value and determine it requires a negative value. That practice is not aligned with core values and principles of lending. I did nothing wrong but i am punished for years as a result of this. Please take a moment and advise me on how to resolve my issue and what can i do to stop this practice that i will call an intentional oversight for lack of a proper term. Im sure this issue is XXXX, that XXXX americans experience everyday. 
Thank you in advance for your time and help. 
XXXX XXXX XXXX XXXX. XXXX, MD XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I requested a credit report for all XXXX of the credit bureau report on my credit. XXXX and XXXX has my score at XXXX when I check Experian they report my credit at XXXX, which is over XXXX points difference from the other XXXX bureau. I wrote them a letter 30 days ago and still have not received a response. The reporting is creating havoc on my qualification for credit. The selection above does not match my issue with Experian

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: TX

Complaint narrative:
on my report appear a balance of a apartment that ca n't be me because on that time i does n't have social security number and i was on XXXX grade of schoolS, also there is a student loan under my name and thats not possible either because like i said i was here with out social SSN

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