vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-22 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: RI

Complaint narrative:
I have exhausted all avenues with Experian to obtain my credit report online. I have been unable to purchase the report online and have been unable to contact them by phone. This is a simple request that should be easily handled. I have obtained my credit reports from XXXX and XXXX without any problem. I am working to dispute information on all three of my credit reports and this issue with Experian is causing me great inconvenience.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I own many rental properties, and nearly all have washer and dryers for the tenants. We needed a washer and dryer for a unit so I went to XXXX to buy them on XXXX XXXX, 2015. The sales clerk advised me that I could save 5 % if I immediately opened an account. I did so. Upon receipt of my bill, {$3200.00}, I paid the bill in full by sending a payment to XXXX. 
Now I see on my credit report that XXXX is claiming I failed to pay on time and that I failed to pay a late fee. I was never advised that my payment was late, and did n't know of the issue until I recently received my credit report. I want this deleted from 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 2016-07-22 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 am a XXXX on pension vet..i had XXXX every week that XXXX out sourced by the va ... my XXXX was sent to a local hospital by the outsourced nurse..the va paid the nurse but the nurse did not pay the hospital for XXXX done..the hospital billed me as the patient..i was told by the va to have all bills resubmitted for payment..the hospital said the va paid the bill already so instead of billing the people that submitted the XXXX they put it on my credit as a collection..i had the billed paid in full but its on my credit as if its my fault ... said it would remain on me to let others know ive had problems in hte past..its not my bill..please help..i am almost to the point of filing bankruptcy cause of it.the va paid once and the XXXX XXXX people did not pay the hospital..i hope u can understand my problem ..im not to good at explaining myself being im XXXX years old now..as i said please help

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 2015-07-09 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: CA

Complaint narrative:
I applied for residency at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX phone XXXX ) and they ran my credit check through XXXX XXXX XXXX # XXXX XXXX, CA XXXX phone XXXX. They ran a Experian/XXXX FICO version XXXX credit report and my credit score came back at XXXX which is below the XXXX minimum they require at this residence. When I called to request my credit report from Experian, I was given a credit score of XXXX which is a version XXXX XXXX score they provide to consumers. I asked numerous times how can I improve my XXXX version XXXX score and no one in experian, XXXX XXXX XXXX XXXX even knew what a version 3 XXXX score was. I am trying to get a sense of what my current score is now since I have to pay {$70.00} each time to run a credit check at this residence and no one has been able to help me. I am in urgent need to correct this matter since I need to procure a residence asap for my new employment XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
CFPB Request a review of the following account XXXX I requested to close this account due to poor customer service. XXXX had a pending credit transaction of {$99.00}. See attached e-mail from XXXX I paid the min due required at that time for the charge of the XXXX to XXXX to protect my credit rating Upon/once XXXX got the credit transaction processed from XXXX XXXX and closing my account as I requested. XXXX than refunded me the min due payment back as well closed the account as I requested. 3 months later after XXXX posted this on my Experian as a late pay for {$99.00}. A week or so later they added interested to the {$99.00} for a total charge of {$110.00}. 
I disputed the prior late pays as well requesting for documentation. So it appears that they now believe or claim that they never received the funds from XXXX. I contacted XXXX on the XX/XX/2016. I spoke with XXXX at XXXX who claims they ( XXXX ) request was made reversing the charge of the {$99.00}. He additionally claims that the transaction C/C shows that XXXX was credited the funds. 
Prior to XXXX reporting this false / incorrect information to Experian they had not or still have not reached out to me in any manner about the said debt ... .after closing the account as well marking the balance as {$0.00}. See XXXX reports most recent or prior reports for Experian and or XXXX. 
I would like to request an audit on my XXXX file providing all documentation regarding this matter/account. 

XXXX XXXX, LA XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian reporting incorrect/false information on my credit report relating to a XXXX XXXX account that is not mine. I have never had a XXXX account nor have I ever authorized the use of their services

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I 've tried on several occasions ( dating back to XXXX 2016 ) to get this debt verified and proof that it belonged to me. I have not received a response or documentation showing proof that the debt belongs to me. I 've sent several letters requesting information pertaining to this debt and I have yet received a response or information I requested.

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 2015-05-01 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Apparently I signed up for a 1 week trial when I viewed my credit report in XXXX. I apparently forgot to cancel the service. Some 3 months later, Experian wants to charge me for the service even though I did not use it and signed up for it 3 months ago. The representative refused to refund the charge when it is apparent I have never used the service.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-17 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: FL

Complaint narrative:
I was under the impression that XXXX was the " official '' site to get all three credit reports for free. I was allowed to get my Experian credit report. But when I tried to get the other XXXX, I was told they were unable to process my request and instructed to send in a lot of paperwork and personal information via mail. Last year I was only able to access XXXX, not including XXXX. I 'm not sure what 's going on, but after an online search, I am finding that many other people are experiencing the exact same problem. I am trying to find work, and I think my credit is keeping that from happening, which, by the way, should n't be allowed ; it 's very discriminatory. I feel that I am not allowed to access vital credit information that is vital to my well being and self-sufficiency. Each year, it seems like we lose more and more control over our finances as banks use our credit information against us regarding housing, employment and other areas. Is there anything you can do to help? 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 2016-05-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have reported 3 times to each credit bureau about fraudulent accounts on my credit report and provided sufficient documentation such as name social security number etc. Still the creditors and credit bureaus will not take these accounts off my credit report at all some of these accounts were under a different social security number but was still attached to my name. Still after calling the bureaus and creditors they still refuse to take them off my credit report. Social security number ending in XXXX is not mines number my number ends in XXXX but are still falling under mine name and I have not applied for credit with any of these companies.

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 2016-10-26 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: NM

Complaint narrative:
On recently changing my auto insurance policy from XXXX to XXXX, I was advised by my insurance company ( XXXX ) of an adverse affect on my premium from my credit report provided to them by Experian. Because of the adverse effect, I was entitled to a free copy of my report from Experian. I first tried to obtain this report through Experian 's Website. I was told that it could not be processed at that time and that I should try again later. I tried later and received a message that it could not be processed and that I should call their telephone number. I called their telephone number and received a series of prompts, none of which covered my problem or allowed me to speak to a person. The only prompt, close to my problem, was to purchase a copy of the report. Without a copy of the credit report, I can not contest whatever caused this adverse report. I feel Experian 's telephone center has been set up to exclude people from talking directly to an Experian representative.

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 2016-10-08 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:
Dear sir or madam : Experian states that my dispute should be reported to you at consumerfinance.gov. This is off of the report number XXXX for Experian. Original Creditor is XXXX. XXXX has reported to Experian that I continue to have a {$46000.00} balance with this hospital. The amount submitted to and approved and paid by XXXX did no exceed {$30000.00} from 2013 to now.

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 2016-11-01 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX pulled my credit without my authorization and permissible purpose. 
I have attached documentation. I need this removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13 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 continued to dispute this on my report for years. The company ca n't show me proof of a signature or delivery of any goods or any payments made.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have disputed this XXXX CREDIT CARD ACCT. XXXX ... .. 
multiple times for changing inaccuracies.At this moment, the acct. is under dispute for missing the XXXX dollar minimum pymt. amount on the report, paid by me finally on XXXX/XXXX/XXXX. 
But the meat of the dispute is that the acct. contains fraudulent, illegal charges by the creditor from date of 1st delinquency until charge-off.The XX/XX/XXXX Credit Card ACT, which was fully implemented in XX/XX/XXXX limited by law the amount of late penalty fees, interest, over-the limit charges etc.This law substantially reduced my contract amounts charged to me.THE XXXX DOLLARS BALANCE AND CHARGEOFF AMOUNT ARE FRAUDULENT.THE AMOUNTS CALCULATED FROM MY DEFAULT ARE LEGALLY AND NOT MARGINALLY EXCESSIVE.THE PAYMENT HISTORY IS CORRECT, THE XXXX DOLLAR MIN PYMT NOT SHOWING IS CORRECT ... ..WITH THESE AMOUNTS, AND CONSIDERING THAT MY ACCT WAS CLOSE TO THE LIMIT BUT UNDER IT ... ..AND I WAS NOT OPTED -IN FOR OVER THE LIMIT ... XXXX IT IS VIRTUALLY IMPOSSIBLE TO ARRIVE AT A XXXX DOLLAR BALANCE WITHOUT MULTIPLE VIOLATIONS OF THE XX/XX/XXXX CREDIT CARD ACT.Experian either knowingly or negligently has colluded with a financial criminal and allowed the negative reporting to be used as an extortionate tool against me.Too many times Experian has allowed the verification of incomplete and inaccurate information on this acct.Unless Experian can prove duress ( XXXX threatens them ), Experian has no excuse for false incomplete, continuous verifications.

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 2017-02-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I wrote the credit reporting company to dispute that they have a bankruptcy listed on my credit file. I asked for information on how they verified this to be my account that they are reporting incorrectly. They have responded that they verified that this is my account. They stated that this was verified and no change to my report. They indicated that it was verified by US Bankruptcy Court KY XXXX so I contacted the courts and they said that they do not verify anyone 's information and all my records are frozen so I want to know where they are obtaining this information. They are boldly reporting false information and reporting their false investigation methods.

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 2016-08-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I have Disputed several accounts that appear on my report, but have not heard anything yet. I also need to dispute some of my personal information that appears on my credit report. My Current address, and Employment are not correct. I am not employed but on Social Security XXXX as monthly income. I would like that included on my credit report to reflect that I do have a monthly income.

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 2016-07-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My balance on my car loan with XXXX XXXX is incorrect. He supposed to be {$6600.00} and the amount reported is higher. I want Experian to reported the correct amount due on my car loan so my ratio is not so high.

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 2017-02-15 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:
Disputed XXXX incorrect collection accounts, XXXX and XXXX, and requested the erroneous accounts be removed. Credit Bureau has not removed accounts.

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 2016-08-20 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:
I have XXXX duplicate negative accounts on my credit report ( so, XXXX negative marks on my credit report. The original creditor and the collection agency that bought the debt ( XXXX XXXX XXXX ). The account numbers are the same for the original creditor and the collector. 
More importantly, XXXX XXXX added both the accounts to negative collections in my credit report, despite the fact that they have been paid in full.

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 2016-11-08 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 'm a victim of ID Theft from 2012. Sent new fraudulent acct. info to Experian for blocking and they refused to block the account based on the fact that my original police report was done online. They 're stating that the ONLY WAY they will block the account is if I have the police dept ( out of state ) sign page 5 of the FTC Affidavit. I explained the difficulty and getting this report from 4 years ago signed by an out of state officer and reminded them ( Experian ) that they 'd blocked previous fraudulent accounts on my credit report w/o the officer 's signature. This defeats the purpose of the police department 's intent to generate full, signed reports for these type crimes.

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 2015-07-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
EXPERIANXXXX XXXX XXXXACCOUNT SHOWING COLLECTION/CHARGE OFF ( SHOULD BE UNKNOWN ) ACCOUNT INCLUDED IN CHAPTER XXXX BANKRUPTCY FILED XX/XX/2015

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have a judgement/public record on my credit report that has been satisfied/paid in full and I would like this to be removed from 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 2016-04-04 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 Identity was stolen. Some one opened a credit card account from a bank I do n't know of, on an address I 've never lived in, but in my name using my social.

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 2015-09-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I checked my credit report and I found out that I have an account on collection. On XXXX/XXXX/2015 I called XXXX at XXXX. They could not give me answer for this case. I did not have any knowledge of any account for {$200.00}. I believe is a fraud. Can you please remove this from my credit and investigate this case. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
eviction was file against me in XX/XX/2012 but never was execute but is showing in my credit reportthe I did have eviction at that time at this moment this wrong report is cause to me and my kids to find a apartment to move, I just was reject my application from XXXX located at XXXX XXXX XXXX XXXX fl. XXXX. I need to have remove this issue from my credit report ... 
thank youXXXX XXXX XXXX

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