vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My application for a " secured '' credit card was declined today because of false information on Experian credit report. Experian is reporting that a civil case in XXXX court from 2009 is still open and unpaid and the truth is the case is closed on the same date in 2009. I tried to order a copy of my credit report from Experian but they want my to send documents to prove who I am and they want me to pay {$20.00} for the credit report. I have n't been able to get a credit report in years as evidenced by the false information they are reporting since 2009, I am entitled to a free credit report, and my current address is the same address they used to provide false information on my credit report. I want my free credit report so I could address the false information experian is reporting, ther is no reason for them to charge me {$20.00}

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is showing a judgment from XXXX that should have never been reported on my credit report This judgement was investigated by XXXX and XXXX through you and was deleted and should have been taken off experian also.I have proof that I was exempt from paying this judgment from the courts there for should have never been reported on my credit This was judgment was filed in XXXX but was n't reported until XXXX. I would like this judgment taken off my credit because it is preventing me from buying a home. 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 2016-01-26 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I received an alert from a credit monitoring service of a credit inquiry to Experian initiated by XXXX XXXX, which I did not approve. I have not been able to reach anyone at XXXX XXXX or Experian to resolve the matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I was only allowed to select XXXX option but there are actually XXXX. Account terms, account status and validation that the account is even mine. My issue is with XXXX XXXX XXXX who reported inaccurate and different information to XXXX, XXXX and Experian. I have filed a direct dispute with XXXX XXXX XXXX to stop reporting this inaccurate information that is severely damaging my credit report. As this complaint is going to Experian, they have me " also known as '' someone else.

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 2017-03-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
There are incorrect names, address and SSN on my credit report. 

Names : XXXX XXXX XXXX SSN : XXXX Address : XXXX XXXX, PA XXXX XXXX XXXX, PA XXXX XXXX XXXX, PA XXXX XXXX XXXX, PA 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 2015-04-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian and XXXX data does n't match so all credit apps are given false info and I cant get an accurate report cause the reports are incorrect.I cant dispute cause I cant obtain report Im authorizing my attorney to obtain my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 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 recently contacted Experian about incorrect information they are reporting on my credit file letting them know that this account on my credit file is not mine and I even contacted the company from which was showing up on my credit file and they informed me that they do not have any accounts open or reporting on my credit file and if it is it must be in error. I have attached the letter the company sent me. I then contacted Experian sending them the letter the company sent me letting them know that this account is an error on my credit file and to have it removed but Experian sent me a letter XXXX XXXX saying that I contacted them in error about the account that is n't mine on my credit file and that they are n't going to remove it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
XXXX XXXX foreclosed on our property XXXX XXXX, XXXX, the credit report shows the foreclosure occurred in XXXX. We have documentation to prove the date of the sheriff sale. We were told to vacate the property XXXX XXXX, XXXX. We are trying to clean up our credit rating.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-27 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
The XXXX credit card was offered to me and I said no I just want the XXXX card. I was sent the XXXX card instead even though I was assured that I was getting simply the XXXX card. After using the card for a couple months, I purchased some text books at XXXX University's Bookstore. The charge never appeared on my statement for 2 months and I received XX/XX/2012 and XX/XX/2012 statements with zero balances. Then, on XX/XX/2012 statement XXXX charged me a late fee and finance charges for the purchase made back in XX/XX/2012. I told them I had XXXX statements XXXX with a XXXX balance and they said sorry. I was so upset I paid off the charges and closed my account. I initiated a dispute with www.annualcreditreport.com for these incorrect penalties and how it negatively impacted my credit reports and significantly lowered my credit scores but they have not finalized a response. They sent me a email stating they were investigating the situation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Have been disputing these items for over 6 months and still no recourse of VALIDATION of their accuracy. 

XXXX XXXX Please take off the late things from this account because I believe I made my payment that month. 

XXXX XXXX XXXX OF XXXX XXXX I am disputing the financial obligation because there is no contract. It violates the FCRA, so please remove this collection immediately. 

XXXX XXXX XXXX OF XXXX XXXX This item is in dispute because I believe the date of opening and date of last activity is not a 100 % accurate. Please remove this collection immediately for it 's inaccuracies. 

XXXX XXXX XXXX OF XXXX XXXX Please investigate this collections status, I do n't think it 's accurate. Please remove this collection for it 's inaccuracies. 

XXXX XXXX XXXX OF XXXX XXXX This item is in dispute because I believe the account number, name, and type for this collection are reporting incorrectly. Please delete this collection for it 's errors. 

XXXX XXXX XXXX Please take a look at this collections account number and balance because it seems off. I do n't think it 's 100 % accurate. Remove it from my credit report immediately please. 

XXXX XXXX Please perform an investigation on collection including the account name, account number and type of collection and delete this collection for it 's errors. Because it does not match my records. 

XXXX XXXX XXXX Under the FCRA XXXX I request a full investigation on the responsibility and the amount of this collection. Please remove this collection for FCRA violations because I do not believe it is accurate.

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 2016-03-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
A dispute was completed XX/XX/2016. Instead of deleting the item Experian update it. A dismissal with prejudice was completed on this case and should not be on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
SEVERAL ADDRESSES SHOW ON MY REPORT BUT ONE OF THEM IS NOT MINE. I HAVE NEVER LIVED ON " XXXX XXXX XXXX XXXX, XXXX, IL XXXX '' THIS ADDRESS NEEDS TO BE REMOVED. PLEASE INVERSTIGATE AND REMOVE ACCORDINGLY

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 2016-03-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This company has taken me to court and placed a judgment on my credit.The company name is XXXX ( XXXX ). I did obtain a credit card with this company, and had a debt with them years back. I purchased an additional plan with this card in the event where if I was unable to pay I would be protected. The charge purchased items on this card came to about a little over XXXX. My payments were XXXX dollars a month, and it did n't seem like the payments was going down. There were a period where things got behind. so then I began to use the plan that I purchased where it only benefit was for me to only pay half of XXXX dollars a month. Again no monies toward the principal. Making payments toward nothing seem like a trap you ca n't get out of. The worse feeling you can ever have, so when I stopped making the payments they filed an judgment in the XXXX county courts. I went to court and I agreed to only do XXXX dollars a month to their Attorney. ( XXXX ) that did n't work for me as well as I thought it would, so I loss track and contact to where and who to send payments. That is when they proceeded to garnish my check for a balance over! XXXX. the garnishment took about Three months to complete, And they have collected all of their money. the account is paid in full. It is still on my credit as an open account as well as a judgement. I do not think this company should continue to report this on my credit report after all I had to go through with them taking me to court and garnishing my payroll check for this extremely high rate credit card XXXX. My credit will never be the same for this mistake.

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 2016-07-06 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am disputing the Hard Inquiry from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ( XXXX ) XXXX XXXX Made on XXXX XXXX 2015. 
I have attempted to request of them to remove the hard inquiry since I did not initiate it. 
They CAN NOT be reached as XXXX reports they have gone out of business. 
XXXX THEREFORE, neither can Experian to verify this is a valid hard inquiry, that I requested which it is NOT, therefore since the I contest it is not and have done due diligence by reaching out to the furnisher and they have nor can not respond, I am requesting this Hard inquiry be removed in accordance with federal 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 2016-01-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
A collection agency XXXX XXXX XXXX got my father 's name, social security number, birthdate, and incorrect address from their client. With the incorrect address they never received the bill. The collection agency then reported it on my credit report. Not my birth date and how did the agency get my social security number? How can Experian not catch the wrong birth date that they put on my report. I am very upset with so many failures between all XXXX company 's.

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 2016-11-29 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: RMB, Inc.
State: NJ

Complaint narrative:
RMB Inc., XXXX XXXX XXXX XXXX, XXXX, TN XXXX, telephone number XXXX is attempting to collect a debt for client XXXX XXXX XXXX when I am making payments to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX for all of my open accounts. I am Social Security XXXX recipient and under medicare.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has reinserted wrong information on my credit report and has affected my credibility with loan officers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Experian received communication via notarized signed affidavit to NOT add any Fraud or OFAC alerts to my Experian report without my consent. Experian willfully and negligently added a Fraud Alert anyways on XX/XX/2017. Here is the XXXX tracking of the certified letter sent to them that CFPB can google, XXXX. I have attached the affidavit sent to Experian as a record to the CFPB. It does n't have my notary information listed for my privacy protection.

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 2015-05-12 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:
Back in XXXX I was in the process of purchasing a home. I lived at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. While in that process I found out that I was a victim of Identity Theft and the person that stole my identity was using a California XXXX. I have lived in XXXX since XXXX my previous address was XXXX XXXX XXXX XXXX in XXXX XXXX the address which I lived from around XXXX until XXXX. Then after losing several houses that I had bid on and banks that denied me credit due to identity theft I finally got a bank loan after I had an Affidavit of Fraud sent out and had a stop put on my credit to help stop the fraud. I called so many agencies trying to get help. The FBI would not help me and at the time I had no where to turn. I finally purchased the home at XXXX XXXX XXXX in XXXX, XXXX XXXX. The incorrect addresses in XXXX listed as XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, XXXX XXXX are not my previous addresses. They were used by someone else. I have never lived nor even visited XXXX and I need this information removed. I tried to have it removed back in XXXX but it was never removed. I also had a freeze put on my credit for years to stop the person in XXXX from buying things. From what I understand they purchased furniture, Cell phones and possibly tried to get a car in my name. My birth date is XXXX. I also need my work place information corrected. I have never worked at XXXX XXXX XXXX nor XXXX and XXXX. My employer is XXXX XXXX XXXX XXXX and I have worked there for 19 years. I have the police Cheif XXXX XXXX XXXX at XXXX XXXX Police XXXX and has known me for 19 years and can verify that I have lived in XXXX XXXX Pennsylvania from XXXX until XXXX. You can also contact the Police Cheif XXXX XXXX at XXXX in XXXX XXXX that can verify I moved to XXXX XXXX XXXX in XXXX and still live at this address. Also the social security office and verify my addresses since XXXX of my children were getting XXXX back when I lived at the XXXX XXXX address. My daughter XXXX XXXX XXXX still suffers from XXXX now and still gets social security XXXX and lives here with me at XXXX XXXX XXXX in XXXX, XXXX XXXX. When I found out about all of this I was in contact with several police departments in XXXX and sent them all letters due to identity theft. I was told they were going to investigate this but lost contact over the years due to my moving and some of the documents being misplaced. I really thought this was taken care of and I really need to have this information corrected as soon as possible. Thank you very much.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-14 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
still waiting for experian to fix credit report and also put my XXXX score back over XXXX where it was before case # XXXX was started all XXXX scores want back to over XXXX where they were before this all started

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 2015-12-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX ( collection agency ) reported a debt from XXXX XXXX XXXX. ExperianXXXX deleted it. Now XXXX XXXX ( a different collection agency ) is reporting the same debt from XXXX XXXX XXXX and they refuse to delete it again. Also the debt is being reported TWICE on my credit report for the same amount and interest.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-23 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian continues to report unverified information and they refuse to verify the accounts in according to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ). they are required by Federal law to verify through the physical verification of the original signed consumer contract. Experian is in violation of this 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 2015-06-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Bought a car in XX/XX/XXXX, totaled it XXXX ... On XX/XX/XXXX, my insurance company paid the balance and the account was satisfied. 

In XX/XX/XXXX, I saw the account as, 'Account paid in full, was repossession '. At that time I called the lender, XXXX XXXX, and they assured me they had n't submitted any repossession. In fact, I was never late. I 've disputed this over almost 7 years ... Multiple times. Nothing has changed. 

The damage and cost to my life/lifestyle is irreversible ... I do n't know if you could calculate the cost? 

It 's a gross fault of the credit report bureaus ... And their obvious lack of due diligence. I have finally received a letter from the owner explaining the error on the credit bureaus side. 
I did n't know I had any other rights or avenues ... But, I 'm XXXX ... And sick of being judged by a corrupt system. 

I have never abused credit, as many do. Yet, I ca n't get credit. 

From the owner, XXXX XXXX, XXXX '' I 'm unsure if this helps but a lot of times when there is a situation like this, places that are looking at to give you credit will call us direct or will accept a letter from us showing the proper rating to override the incorrect XXXX on the bureau. If this will be of any help please let us know and we will gladly help. " Please help! 

Best regards, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief