vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-21 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc.
State: ME

Complaint narrative:
I recently got my credit report from Experian using the federal website to receive annual free credit reports from the XXXX agencies. While doing this I also chose to purchase a one time credit score from Experian, or so I thought. Now Experian is charging on a recurring basis for what appears to be credit monitoring, or at the least the ability to monitor my credit score and report. It was not clear from the website that I was purchasing a recurring service or that there would be a recurring fee for what I was selecting.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-16 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:
I have a number of accounts that do not belong to me these accounts were opened fraudulently using my stolen idenity their was an address which was also fraudulently used and that is XXXX XXXX XXXX XXXX XXXX, NC XXXX and these accounts XXXX XXXX XXXX XXXX and these others XXXX XXXX XXXX. XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
I have several accounts on my credit report which were charged off and a XXXX ( I think it 's called ) was sent to me. I therefore reported this as income, and paid taxes on it. They 're still reporting on my credit report as owing them money. They 're reporting negatively every month. 
Second situation is that I 'm paying on a second mortgage and have been in good standing, which is not reflected on my credit report. My contact at the credit union contacted them with the correct updated information. However, it is still reporting negatively on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This account is past the statute of limitations and I have an open and active account with them. Please remove this item from my credit file XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I bankruptcy was dismissed in XXXX 2010. Would like for this to be removed from my Credit Report. I have been trying to rebuild my credit for the last 5 years and this is impacting my Credit Score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29 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:
On XX/XX/XXXX, I obtained from Experian the annual free credit report to which consumers are entitled. I noted there were XXXX hard-pulls for information from " XXXX XXXX '' throughout XX/XX/XXXX I have nor have ever had any accounts with XXXX XXXX or their affiliates. I received no solicitations for credit card business from XXXX XXXX. I similarly have no credit, gas, or store cards. I immediately disputed this with Experian, requesting an investigation. I similarly contacted XXXX XXXX numerous times, and they refused to provide any explanation. 

Similar " XXXX XXXX '' inquiries have been made of another c.r.b. during the same time period. 

Also, during the time period in which these inquiries occurred, I was involved in a dispute with a local attorney regarding an estate matter. I find the correlation between these XXXX seemingly unrelated matters very curious. 

Experian 's response was to simply remove the entries from the credit report without providing an explanation. I sent Experian a letter on or about XX/XX/XXXX expressing my dissatisfaction for the trivial way in which they handled my concern. Today, XX/XX/XXXX, I received a revised credit report that omits the " XXXX XXXX '' requests. No explanation was provided for why XXXX XXXX, or someone purporting to be them, made these XXXX requests, and Experian likewise complied each time XXXX XXXX times in XX/XX/XXXX ). This activity is highly suspicious. XXXX XXXX will not acknowledge requesting the information and Experian refuses to address the incidents. 

I have spent considerable time trying to resolve this through all available means ( electronically, telephone calls, and standard USPS mail ) I am concerned both that the requester may not have been " XXXX XXXX '' and that Experian inappropriately furnished information to the requesting parties. The concerns are further legitimized by the seeming unwillingness by Experian to provide me the results of any investigation that may have ensued. 

I respectfully request for assistance in obtaining an investigation or the results of any investigation already conducted, as well as those which may be conducted, into why this incident occurred. Thank you for your anticipated prompt attention to this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is reporting an account with XXXX XXXX twice and both are showing charged off with a balance. There was only XXXX account and I have spoken to several people at XXXX XXXX about this issue. XXXX XXXX indicated there was just XXXX and there was no balance because it was an account they were given from a different company. The letter that I received from XXXX XXXX and forwarded to all three bureaus shows there is no money owed along with a contact person 's name phone number. I do n't understand why Experian continues to report it twice and with a balance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have had these inquiries on my account for a very long time despite disputing them because I never tried to open these account. I had proved that I have been a victim of Identity theft however these inquiries still remain on my credit report and therefore harming me negatively. They are listed below on all XXXX of my credit reports XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX BANK XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX. 

XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-27 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 have been having issues trying to upload consumer disputes with Experian through their online website it has been an ongoing issue trying to upload disputes and without a doubt feel that Experian is deliberately turning their portal on and off making it very difficult for consumers to file their disputes online. I am certain that XXXX if not XXXX of other consumers are having the same problems with Experian and making the same complaints. 
Please look into this urgent matter regarding Experian 's unethical practices they are in violation of the FCRA depriving consumers of their Rights under the FCRA to initiate disputes online. I have also spoken to a XXXX XXXX law attorney whom stated to me that he is receiving many calls from consumers reporting the same issue with the online upload disputes. 
I have attached all my identifying information to prove who I am and Expeian makes it impossible for me to make online disputes. Please look into this thank you! 

XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I mailed Experian a letter since XXXX XXXX, 2015 and till this date they have not responded back. I followed up with a XXXX later dated XXXX XXXX, 2015 and they have also failed to respond.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-12 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I requested a " free '' credit report from a website recommended by my attorney for legal proceedings. I was never warned as I proceeded through the site to obtain my free report that this action would result in an unwanted " membership '' with Experian. Experian has been charging me {$19.00} a month for " credit monitoring '' to the credit card that I used to " verify '' my identity when I ordered the original " free '' report. Experian has agreed to cancel the membership but refuse to reverse the previous charges. 

It is evident that the free credit report website redirected me to Experian and somewhere in the background I unknowingly agreed to the membership. Most likely, this membership agreement was buried in the " terms of use ''. I am so angry because this is a company that is suppose to " protect consumers '' but are actually " stealing people 's money ''. Please do something about this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-26 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:
I have requested that all inquiries on my credit report be investigated as I have not applied for credit int he last 2 years, they refused to investigate and told me its just a record. These inquiries are hurting my credit score and I never gave authorization for anyone to request my credit. Furthermore I would like the inquiries deleted if they are not able to investigate this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-06 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I mailed a dispute request to Experian Credit Bureau with last XXXX of my social security number typed with state issued picture id and check stub and was told that my social security number was illegible and to resend all the info that I had already provided.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-17 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
i told them i had no knowledge of the collection contacting me i also had a public record that was vacated but its on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Marlette Funding, LLC
State: VA

Complaint narrative:
I have been on the opt-out prescreen list for over 10 years, and I just got a " prescreened '' offer from MyBestEgg. Since they are not obeying the prescreened offer opt-out, they need to be penalized.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was buying a car. The car was totaled by a natural disaster. I had full coverage and GAP insurance. the company reported a balance on my credit. I contacted XXXX, Experian and XXXX. All except Experian refuses to remove it. I have the supporting documentation saying XXXX and XXXX removed this from my credit

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Thank you for taking the time to read this letter, and I hope your day is going well. I 'm writing because I noticed that my most recent credit reports from XXXX, Experian, and XXXX contains multiple collection items on my credit reports from XXXX even though they are over 7 years old and actually scheduled to be removed in XX/XX/XXXX. If you noticed from the attached file the reporting dates are different and inaccurate this alleged account is from when I was in college which was over 13 years ago considering I started college in XX/XX/XXXX and graduated in XX/XX/XXXX. So considering the time frame either way the items are between 9-13 years old which is passed the 7 year mark.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
The address listed on my Experian report is wrong. Credit card listed does not belong to me. I never had the reported credit card listed on this report and never lived at the address on report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09 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:
I have disputed collection information reported by XXXX XXXX on behalf of XXXX. I have disputed the collection account XXXX with XXXX, XXXX, and Experian. I do not believe the investigation is properly being executed. It seems like the credit bureaus are working for the collection agency and agree with the electronic response received from XXXX XXXX on behalf of XXXX. The account remained on my credit report, but I do not have a reason why the account remain when XXXX shows I do not owe them and the balance was resolved. Transunion die not report XXXX XXXX on my credit report in XX/XX/XXXX, but soon as I disputed the item it was added to my credit report in XX/XX/XXXX and the investigation with XXXX XXXX has not been resolved.

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 2016-12-30 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:
I have been trying to get in touch with Experian credit reporting company about identity theft and fraud accounts on my credit report. I have not been above to get access to my credit report or to talk someone over the phone about these problem or issues.

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 2016-07-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

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 2016-10-20 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 is in violation of the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify the accounts in their report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Debt is not mineDescribe what happened so we can understand the issue ... 

I have received a XXXX point reduction in my credit score from experian When I got my score in XX/XX/XXXX it was XXXX in XX/XX/XXXX it is XXXX-XXXX. When I reviewed my credit report I found that XXXX had reported me as having a bill of {$340.00}. I have never received a bill from XXXX and since they put me into collection And have never received a bill from them ( XXXX.. ) This bill is showing as 1 year old. If I had received a bill from either one I would have paid it immediately. I have always paid all of my bills on time. I Called XXXX who. Referred me to XXXX. I called covergent who sent me back to XXXX. XXXX said I would have to go to the collection agency because they can no longer send an itemized bill, when calling convergent again they said they did n't have one but I should pay it anyway. Why would I pay a bill that I never received and did n't know what it was for. I finally filed a dispute with Experian and explained that I never received an itemized bill from either XXXX or XXXX. The answer to my disputewas " It was my bill. " That, of course did not answer my problem. I am sure that you would not pay a bill that gave you a number but not itemized and did not know what it was for. I have been given the runaround enough. 

I called XXXX in XX/XX/XXXX because I wanted to unlock my phone ''. I could n't unlock my phone unless I knew I had a XXXX balance '' and was told by the billing department that I had a XXXX balance and my account was current. I ca n't understand why they would now say this. 
XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I am a victim of identity theft and have some fraudulent and unauthorized credit inquiries and an account listed on my Experian credit report that do n't belong to me. I sent a police report from XXXX XXXX Police Department a few week ago to Experian in reference to the unauthorized and fraudulent credit inquiries and account. The police report case number is : XXXX. The following credit inquiries and account is fraudulent and unauthorized and do n't belong to me : XXXX, XXXX/XXXX/XXXX, XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX, XXXX/XXXX/XXXX, XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX credit card account

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 2016-01-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
That Experian needs to update in the Payment and/or Account Payment History the status for each month. These areas are incomplete as of this writing. 
The amount past due is incorrect {$58000.00} the amount past due amount based on their letter of acceleration dated XXXX XXXX, XXXX is AMOUNT PAST DUE {$2900.00} The account is only 120 days past due as of XXXX XXXX, XXXX. 
MY CREDIT SCORE SHOULD BE BASED ON THE FORECLOSURE IN XXXX NOT XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14 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: TX

Complaint narrative:
This summer, I tried to get the free copies of my credit report from the XXXX agencies. I have to report that it was very difficult. I was only able to get XXXX ( XXXX ) ; I had to pay for XXXX ( i.e., sign up for a {$1.00} trial at Experian ), and I was never able to get XXXX XXXX report. The free website would lock up, it was very difficult to use, and the whole process took hours.

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