vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-12 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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX {$1500.00} REV {$0.00} {$0.00} {$0.00} XXXX XXXX XXXX XXXX SETTLED XP/XXXX Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$500.00} REV {$0.00} {$0.00} {$0.00} XXXX XXXX XXXX XXXX PD WAS XXXX XP/XXXX Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$490.00} REV {$0.00} {$0.00} {$0.00} XXXX 1 PD WAS XXXX XP/XXXX/XXXX Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$400.00} REV {$0.00} {$0.00} {$0.00} XXXX PAID CHGOFF XP/XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( Experian ), and XXXX v. XXXX, XXXX et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS 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 2016-07-04 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
This is an update to the recording of appraisal in public records. The public records department was at my home on Wednesday, XXXX XXXX, I spoke to them on Thursday, XXXX XXXX and XXXX XXXX assessor has confirmed the measurements of the appraiser, however he has found that the measurements are less than what the appraiser measured. His findings are XXXX square footage. He has informed me that it will be legally documented by XXXX XXXX, on that day I will receive a email from him with the legal documentation of XXXX XXXX of XXXX in Pennsylvania. Once I have the email I will then print it out and fax it to Wells Fargo and I will send it to the CFPB. XXXX XXXX also informed me that it will not be viewable on XXXX line until one week or so later. If you have any questions in reference to this you may contact him his name is XXXX XXXX his phone number is XXXX, his email address is 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
Consumer complaint received 2016-05-06 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian Information Solutions failed to block fraudulent information being reported on my Credit Report dispite my police report and fraud affidavit previously sent to them as well as the creditors. The accounts are as follows, Experian Report # XXXX 1 ) XXXX Bankruptcy Court 2 ) 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 2016-08-15 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:
Someone 's been using my information. Someone else 's SSN is appearing on my Experian report. An address in California, and people 's names I do n't even know. I had to verify my identity with XXXX several times and they were asking me about people I 've lived with and I do n't know those people nor have I ever lived with them. The only thing we had in common was our last name. I have a {$290.00} bill that is not mine.

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 2016-03-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I have attempted several times to correct XXXX XXXX XXXX reporting on my own. They are in violation of the FCRA XXXX. They are not reporting information 100 % accurated dated and verifiable information. 
See the letters I have sent to the bureaus and the most current and original report. They have to permanently and legally remove information that is not reporting 100 % accurated dated and verifiable.

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 2015-04-14 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 got divorced in 1997 and yet my ex-husband 's family information appears on my credit report ( specifically his brother - I think my ex was using his identity for credit ). I have contacted the credit bureaus repeatedly to get this information removed from my history and nothing is ever accomplished. The process is confusing, no individual to talk with, and I never even get a response from emails sent. Please assist!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Experian keeps putting Security alerts or Fraud Alerts on my account WHEN I HAVE NOT REQUESTED THEM TO DO SO. They are doing this because I keep asking for verification of items on my credit report and they are not abiding by the law. They want to tell me to check with the original creditor and that is not how I understand it works. If this credit bureau is going to report information that is negative and directly impacts my credit score it is up to them to investigate and furnish me with proper documentation that they are reporting the correct information. I will submit a complaint daily if I have to in order to get this company to do as they are required to by law. They are refusing to provide me proper physical documentation stating that what they are reporting is complete, accurate and verifiable. Instead they keep stalling, asking me to go to the original creditor and when i do they refuse to provide documentation. So if section 609 of the FCRA is supposed to keep the bureaus honest it is failing. Experian is refusing to obey the law. I am demanding that they remove all Fraud Alerts from my file and stop placing them on there to avoid doing their job. These guys are hurting me, I guess I have to get an attorney and sue them and ask a judge to make them supply me documentation of what they are reporting. Just to take the word of a creditor does not meet FCRA guidelines. I am demanding that they remove the alerts and provide me physical proof of what I have written them about or remove the negative items immediately and stop playing games. I am sick of getting their stall tactic letters in the mail. If you oversee their reporting then someone needs to fine these guys each time they violate the law. They do not have sufficient proof to put fraud alerts on my Credit nor sufficient proof to keep listing Negative information against me SO REMOVE THE ITEMS AND FRAUD ALERT IMMEDIATELY AND STOP PLAYING GAMES WITH MY CREDIT FILE. THERE IS NO LAW THAT EVEN SAYS YOU HAVE A RIGHT TO COLLECT AND REPORT ANY INFORMATION AGAINST ME. YOU ARE FRAUDS AND THIS NEEDS TO STOP IMMEDIATELY.

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 2016-11-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
To whom it may concern ; I have an account with XXXX XXXX XXXX XXXX that has been compromised via fraudulent and unauthorized activity. I first became aware of this on XXXX XXXX and contacted my card issuer accordingly. I made a payment, disputed these unauthorized transactions and then proceeded to close the account permanently. The current information reporting on my credit file with Experian is wrong on multiple levels ; 1. The account is not open, it has been closed by me. 
2. The balance on the account is reporting inaccurately. 
3. The status should also read that it is currently under dispute for fraudulent charges to the account. 

I am attaching my identification ( DL & SS Card ) along with an image proving that I have contacted XXXX about these unauthorized charges along with the confirmation number they gave me. 

Would you please update my credit file, once you have completed your investigation accordingly, to reflect your findings? I am confident you will see your findings and my statement will fall in line accurately. 


ACCOUNT ****XXXX XXXX XXXX XXXX ( XXXX credit card ) Account # : XXXX Date opened : XX/XX/2016 Limit : {$4000.00} Please feel free to reach out to me if I can be of any further assistance in helping you to expedite this matter. I can be reached absolutely anytime at XXXX XXXX XXXX XXXX. As always, thank you kindly for your help with this 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 2016-07-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Case # XXXX - XXXX XXXX. 
This has been paid and fully satisfied. Attached is the confirming of the satisfaction of judgement with XXXX XXXX. The letter is dated XXXX XXXX, 2014 and recorder at City of XXXX on XXXX XXXX, 2014.

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 2016-08-01 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: CA

Complaint narrative:
I do not want to be a victim of identity theft and I do not wish to receive any offers of credit in the mail or email. Please help me in stopping them. Thanks. 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 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: OH

Complaint narrative:
I have contacted Experian by certified letter, telephone, and online requesting the agency correct my information to reflect accuracy in accordance with the FCRA. To date, 31 days later, my report remains the same as when I originally filed my complaint. Experian has sent communication indicating my credit file is accurate and I must contact creditors who made hard inquiries to challenge authorization/validation. I never made these inquiries. Why would it be my responsibility to contact someone I have n't done business with, have n't requested credit from, have n't provided my personal information, or authorized their inquiry? Under the FCRA, I believe Experian has violated my rights as a consumer and is abusing their role with inaccurate reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 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:
A new inquery came up on my report that does not belong to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My Experian report dated XXXX/XXXX/2016 reflects XXXX recent inquiries for credit facilities for which I DID NOT apply : XXXX, XXXX, and XXXX on XXXX/XXXX/16 and XXXX on XXXX/XXXX/16. I suspect identity theft and have put fraud alerts on my credit reports with each of the XXXX agencies. In the meantime, these inquiries need to be removed from my report as they were fraudulent.

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 2016-11-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NH

Complaint narrative:
XXXX I am unaware of any valid contract with this company for which they report that I owe {$660.00} due to the account being seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department. 

I disputed the above accounts directly with XXXX and have been attempting to resolve these issues directly with the above named collection agency since XX/XX/2016. As of the writing of this letter, they have been unable to provide any validate proof of a contract. They failed to mark my reports within the required time frame. I have retained copies of my ongoing correspondence with them and, if necessary, I can provide copies of the above as necessary to get this resolved as soon as possible. I only became aware of this account when I got rejected for credit last spring. This account is well over any statute of limitations in NH and has never been validated, either by the original creditor nor by XXXX. It is due to fall off my report shortly, however, it is holding up current credit needs. 

After several months and multiple unsuccessful attempts with XXXX, on XXXX I disputed this reporting, in writing, directly to Experian, XXXX. XXXX. XXXX investigated and deleted both the original and XXXX accounts. I waited for 3o days and resubmitted online disputes to both XXXX and Experian. Although appropriate validation has never been provided, they have closed their investigation. 

I formally request that this information be immediately deleted from the credit file maintained in my name by both XXXX and Experian so that my credit portfolio supports my current financial goal. If it were even validated, it is a zombie debt and uncollectible. If need be, I am prepared to file suit and have all the documentation to be successful.

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 2015-05-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian is reporting inaccurate, illegal late payments on Myfico Experian credit report. 
Accounts were Charged -off /Closed and there are multiple late payments showing after the accounts was charged-off /closed is inaccurate.This is illegal! 
The lates should be deleted immediately.I plead with CFPB to investigate this matter. 
The XXXX accounts are inaccurately showing multiple illegal lates after charge/off. 

1 ) XXXX XXXX - XXXX XXXX XXXX ... ..., 2 ) XXXX XXXX - XXXX XXXX XXXX ... .... 
The lates report as recent as XXXX 2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian is reporting multiple names and address under my credit file. I have tried to dispute them on numerous occasions, provided proof of identity and yet they still refuse to delete this names that are not mine. I do not want to continue having these names on my report possible penalizing me for some one else 's mistakes 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 non-monetary relief
Consumer complaint received 2016-04-22 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian.com 's main website banner offer 's a {$1.00} credit report when clicked takes you directly to a page to fill out the form. No where on the banner does it state that you are agreeing to JOIN a recurring membership based website. No where in the process is there a field to opt out of this supposed membership. 

I got a {$1.00} credit report on XXXX XXXX, 2016. I cancelled the credit card I used to purchase the report. The only notice I ever received from Experian was an email requesting I log in and give them my new credit card. I never did because I did not and was not interested in any further offers from their company. 

Today Experian put the charge through on my new credit card, a number I never gave them I never put in their website nor did I ever agree to pay anything with. 

I called Experian immediately when the charge was processed on my new credit card and asked why. The representative on the phone told me he could not help me unless I gave him my credit card number, the new credit card, I absolutely refused to do that and I argued with him until he agreed to find me by my social. 

It is obvious to me that Experian was attempting to get my new credit card number to weaken my ability to dispute the charges. 

Having text below a banner on a website does not tie the advertising banner together with the offer. Then when calling to complain the company tries to strong arm me to hand over my new credit card information because they don ' t have it and they know they do n't have it which further shows I had absolutely no intention of doing business with them nor do I ever intend to again.

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 2016-05-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Experian has incorrect personal information to my credit report. Someone much have a name similar to my name the name and DOB is incorrect please remove anything that is associated with that name and DOB XXXX XXXX/INCORRECT/DELETE XX/XX/XXXX INCORRECT/ DELETE

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 2016-10-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hello, I have a history of on time payments, my percentage is at 99.4 %, for some reason my re-occurring minimum payment was not being taken out of my account. I would like for this XXXX late payment to be removed because it is affected my score in a negative way.

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: AZ

Complaint narrative:
This may be happening to many people using all XXXX of the websites. Same thing happened last time I tried over a year ago. The company gives you XXXX chance to view your *Free Report*. Instead of providing it in a .pdf file with all details for download, they provide an html version, requiring multiple clicks to view portions. They seem to purposely designing these pages to result in the page often crashing. Attempts to return, no longer give you access, since they already gave you that chance. They are satisfying the law, without really providing the information required, in this manner. This results in the user having to pay, to really see what is required for them to provide freely.

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