vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have submitted the following accounts as fraud to experian as well as to the agencies. I have attached the ftc id theft report that was previously filed. Even with this, the accounts and credit inquiries remain on my account. These are not my accounts, i have not done business with these companies and the accounts are fraud. 

Accounts : XXXX ( I am working with the fraud department, but they have been unable to send me anything that would validate this being anything other than fraud ) XXXX ( XXXX.asked multiple times for validation. have cretified letters and signatures. nothing supplied ) XXXX ( XXXX. has sent a bill with a phone number that is not mine. sent mltiple letters certified with signatures, also filed on this site complaints ) XXXX ( Sent multiple requests to try to get validation. no letters responding from them. they tried to sell to collection agency, but the agency has removed collections based on the fraud ) and for inquiries : XXXX I have sent a letter to them informing them of fraud. they have not responded. this is not my account, do not have an account with them.

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 2016-11-23 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: VA

Complaint narrative:
Due to the information listed on the usa.gov/credit-reports page, I believed that I was entitled to a free credit report from Experian.com ; when I attempted to sign up for an account on their site and realized they were trying to charge me money, I actually aborted the sign-up process and did not complete it, but they nevertheless have been charging a monthly fee of XXXX from my credit card for months while providing absolutely no service or information in return. 

I was never given a score, report, or credit information of any kind, by email, paper mail, or any other means. 

According to the Experian customer service line, there is a page somewhere on the site that will allow you to get your yearly free credit report, but it is deceptively hidden away in an attempt to bait people to sign-up for the subscription on the front page by mistake. 

Such an untrustworthy site should not be advertised on a government webpage.

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 monetary relief
Consumer complaint received 2016-07-15 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: MD

Complaint narrative:
They sent me an email that says to " click here '' to see the results of my dispute. Then it does n't show it to me. This is very frustrating and when I try to go somewhere else on their web site they try to sell me things.

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 2015-11-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
XXXX has been reporting incorrectly on my credit report. I have written them and the credit reporting companies numerous times with no result. This is an alleged debt from the original creditor XXXX. XXXX is reporting incorrectly to experian. They keep reaging the debt. this was an alleged debt from XX/XX/XXXX and XXXX continues to report on my credit report that this is a new account from XX/XX/XXXX. They are incorrectly extending the time to remain on my credit reports and the date of opening is wrong

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I disputed XXXX items under the XXXX law. All disputes were notorized and sent certified mail over a four month period. I never received copies of the original applications to these accounts as the bureau is suppose to have on file, and said items are still on my report against the law.

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 2015-12-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has locked me out of on line disputes. The only explanation I get that an account number associated with my social security number is verified as my account. I have sent court documents that verifies that this mortgage loan belongs to XXXX. I have never had or filled any paperwork for an individual account with XXXX XXXX. It has been 6 1/2 years and I have disputed it since this company started reporting erroneous information on my Experian Credit Report. My last document the end of XXXX is a District Court document showing case information, cause number, defendants, when it was filed the docket type, ( several defendants due Texas laws that if a person dies without a will property will be divided between children and spouse. ), case history by date, and an agreement that case is disposed due to estate has no value. It is unbelievable that the credit agency that destroys the ability to get a job, car, or home will take information from some company or person that could realize or not know the major impact erroneous negative reporting does to families. For me how does a company override court documents that clearly identifies that XXXX XXXX has not owned or a part of this mortgage loan since XXXX/XXXX/2013. That the case has an agreement and the estate has no value and it is disposed. If someone could let me the details of how a company can report when they are not involved and how they can report since there is an agreement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I actually have XXXX to file : public record too. I 'll do that next. I was fraudulently reported by XXXX XXXX of XXXX in XXXX, OR for not paying one of my rent installments. I was double charged when I moved in paying {$680.00} ( included in the first installment along with a {$35.00} screening fee and {$150.00} security deposit in a check from my college XXXX account - XXXX ) XXXX XXXX, 2014. Then I was charged another rent of {$680.00} 5 days later which I was told it would all work out when I moved out showing that I paid the correct installments. They are telling me now this is not accurate and insisting I have to accept the terms of a five day payment for full rent in XXXX instead of one of my top installed agreement payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I contacted both XXXX and Experian about a credit dispute for XXXX XXXX XXXX ( XXXX ), that was included and discharged in my Bankruptcy case # XXXX on XXXX XXXX, XXXX in the XXXX XXXX XXXX Florida ; neither have 'closed ' this creditor on my credit report. I disputed the 'open ' status with XXXX credit agencies on XXXX of XXXX. However, on both XXXX and Experian credit reports, they remain in 'open ' status. In my dispute with Equifax, I received a written letter stating " the case information states closed '' but still on my credit report - it remains and reads as 'open '. Experian responded on XXXX XXXX, XXXX by sending an updated credit report and it reads " We have completed the processing of your dispute ( s ). Here are the results : Credit Items - XXXX ( XXXX ) : remains. 
Public records : XXXX BKPT CT FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Identification # XXXX Date filed - XXXX XXXX Date Resolved - XXXX XXXX Chapter XXXX bankruptcy discharged. 
Yet for Experian it remains in 'open ' status with a red dot. 
XXXX as of XXXX XXXX, XXXX lists XXXX XXXX XXXX as a " New Debt '' and states " Since your last update on XXXX XXXX, XXXX, you have XXXX ( XXXX ) overdue debt that has been transferred or assigned to a collection agency. '' XXXX XXXX XXXX - XXXX. 
It seems to me that XXXX XXXX XXXX - XXXX, keeps reporting this disputed and Chapter XXXX discharged debt to different credit collection agencies and both XXXX and Experian are ignoring the discharge and adding it to my credit over and over again. 
This debt shows and states on XXXX - discharged. 
Both XXXX and Experian have an obligation according to the law to state on my credit reports that the item is closed and discharge Chapter XXXX. I am tired of fighting with XXXX companies. 
Please tell me what to do to stop XXXX credit agencies and XXXX = XXXX from constantly reporting this discharged debt as open and new.

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 2015-07-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have had student loans since the age of XXXX on my credit report they been in forbence why does it show I 've missed every payment when I 've never received any bills due to not living where they sent them. And they were deferred and still are deferred. What should I do to get that off my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I filled banckruptcy in 2013 and all my accounts were erased but XXXX, XXXX XXXX XXXX. With bankruptcy it should have been disputed but now it is affecting my credit score. Other than this what can i do?

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 2016-01-16 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The big XXXX Credit Agencies have no authorization from me to collect, store, and sell my financial information, nor evidence of written authorization of the same. This issue applies to me just as it applies to all people living within the United States. 

Credit information is no different from a personal work profile. The example is XXXX. But, at least LinkedIn participation is a matter of choice. There is a master agreement to participate with XXXX XXXX. But, there is no such agreement with Experian, XXXX, or XXXX. Credit reporting is a forced participation, and its existence and easy access allows for identity theft related crimes to occur. Worse, as an unwilling participant, I am forced to pay a fee to have that information locked.

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 2015-08-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I disputed a debt with XXXX XXXX and they filed a lawsuit, lawsuit was dismissed by a Maryland State Judge, yet the information is still showing in my credit report. Once a Judge dismissed the case, the debt is over, the Court says I do n't have a to pay it. Further, every XXXX years XXXX has been submitting " write off '' in an attempt to keep the debt active. MY reading of the data on the internet says that this is illegal. I have lost many jobs and Experian, XXXX and XXXX refuse to update this case. This has been going on since 2008! ( Case Dismissal is attached )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
Experian is reporting reporting a taxlien on my report that has been dismissed because it was filed in error by XXXX. This has long been removed from my other XXXX credit reports. I am uploading a document that may better shed light on the account in question. This is my only public record thats is reporting on any of my report 's. Please review the document, investigate, and remove. Thanks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
This is written notice to Experian that your claim has been disputed under the Fair Credit Reporting Act ( FCRA ). I have the legal right to dispute any inaccurate information that is being reported in my credit file. I have requested proof that the address, and phone numbers, and erroneous credit information, which have been illegally displayed and continue to be displayed on my credit file, be verified, and if verification can not be made within 30 days time frame allowed to Experian by law. the disputes listed in my original complaint must now be completely removed from my credit report ( Experian has now legally exceeded the time frame allowed by law ). 
Experian legal staff will agree that compliance with this request under the laws of the FCRA and Colorado and Federal statutes. 
The law requires compliance with the terms and conditions of the Fair Credit Reporting Act ( FCRA ), within 30 days or complete withdrawl in writting of any claim. 
Experian has failed to remove this inaccurate personal information, and the disputed accounts outlined in my original disputes. this inaccurate personal information should not be associated with my credit report and Experian has failed to legally verify this information in the time frame allowed by law. 
in the event of noncompliance, i reserve the right to file charges and /or complaints with appropriate county, state & Federal authorities, the BBB and XXXX XXXX associations for violations of the FDCPA, FCRA and Federal and State Statutes on fradulent extortion. 

XXXX XXXX XXXX XXXX XXXX Co, XXXX is the only address that should be legally associated with my credit report, I have never lived at the other address that have been associated with my credit report, as I also do not have a phone, this phone number should not be associated with my credit report ( XXXX ) XXXX, please remove this inaccurate information as soon as possible.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 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:
RE : Credit Inquiries Experian Credit Report There must be another person with the same name as me. There is inaccurate credit inquiries on my credit report. I am not aware of the credit inquiries circled on the credit report attached. 

Please provide me documentation bearing my signature, so that I can validate these credit inquires. 

I am requesting the documentation from credit companies, if they fail to provide me the documentation bearing my signature, then they must delete the account from all the reporting credit bureaus. 

Please address this matter within five business days of receiving this letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Received a credit report from Experian today XX/XX/2016 that was dated for XX/XX/2016 with my name deliberately incorrect. My name is XXXX XXXX XXXX but my report was sent to me with XXXX XXXX XXXX. Please know that Experian has numerous copies of Driver License and Social Security Card. I 've enclosed the documentation of proof with this complaint.

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 2016-04-15 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 filed a dispute for incorrect information on my credit report and outdated collection record

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-24 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: RMB, Inc.
State: NC

Complaint narrative:
I have been making payments to the hospital every month I have proof! They have collected almost XXXX from insurance and I 've paid over XXXX and they still sent me to collection. I 've received 17 phone calls in one morning! What should I do? I 've been paying the hospital directly

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-08 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:
While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX XXXX XXXX on or about XX/XX/XXXX on Experian. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX has violated the Fair Credit Reporting Act XXXX XXXX ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-25 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I received a letter from Experian stating that they will not reinvestigate items that I have disputed which is against my rights. I am in the process of filing a lawsuit against them for having incorrect information on my credit file. XXXX has already removed the items, along with XXXX. Experian has to do so as well. They have until Friday to remove these items or I will be filing a lawsuit for the full amount due to me because of their refusal to reinvestigate and remove these items. I have attached my intent to sue and the final dispute letter that I have sent them because they are breaking the law. I plan on suing for the full amount due to the full extent of the law. This has been going on for 10 months. Enough is enough.

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 2016-04-11 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:
Credit bureau refuses to block incorrect fraudulent information showing 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 explanation
Consumer complaint received 2016-10-05 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:
Experian continues to report fraudulent & unverifiable accounts on my credit report. There are XXXX XXXX XXXX accounts which I 've disputed with them numerous times, requested the method of verification & additionally sent a XXXX letter to the data furnisher requesting a signed contract/agreement. Neither the data furinsher nor Experian has provided me with a signed contract of my obligation but they continue to claim this has been verified. When review my file here are some facts which question the integrity of their investigation. The address linked to these accounts is not mine. I 've requested it be removed 3 times but they continue to verify it. Secondly, when I ask them to verify it they always pass the buck & say it 's the data furnishers responsibility to update their records. This is public information which is damaging my name & reputation & I 'm unable to get any financing due to the nature of this issue. This matter is also causing unwanted emotional & financial stress & I 'd like these unverifiable accounts removed immediately. If Experian continues to claim they 've verified these accounts again without a deeper investigation I will be filing a lawsuit for violations of the FCRA. Please resolve 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 non-monetary relief