vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-12 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: DC

Complaint narrative:
I have been a paying member of Experian since XXXX, paying more than {$20.00} per month for that period, for a total of approximately {$1000.00}. This was a result of signing up for the " free '' credit report, and failing to monitor the ongoing fees. This is my oversight. On XXXX XXXX XXXX I discovered this issue and acted to cancel my account. I called Experian to cancel, and was told that I would have access to my account for the duration of XXXX XXXX. The representative refunded me the amount of 1 month 's fee. Ten minutes later I logged in to my account to download my credit report. Since I paid {$1000.00} dollars to Experian, and I was told that I would have access to the account through XXXX XXXX, I chose to obtain a copy of my current credit report. Once I logged in I discovered that my account was locked. I called Experian and was told that the account was locked because I closed the account and received a month 's refund, and they refused to send me a copy of my credit report. The phone representative and her supervisor XXXX acknowledged that I had paid {$1000.00} to Experian, the call timing ( the call being approximately 15 minutes after the previous call to close the account ), and the fact that the first phone representative told me the account would be open for the entire month. Yet I am denied a copy of the report because of company policy - once the account is closed, no access. This is capricious and rigid. I have been a paying customer for 5 years. I was provided guidance by the company representative that is wrong, yet I am punished for the incorrect information. The representative and the supervisor were both unwilling to make remediation : send me a credit report. This is highly disappointing and unreasonable. 
Lesson learned : do not, under any circumstance, contract with Experian.

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 2016-07-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
2 weeks ago I called Experian to discuss the fact that there were multiple inquiries on my credit report that was previously deleted. I had no knowledge nor did I authorize these inquiries. The operator that I spoke to ( XXXX ) walked me through each one and informed me that he was deleting them while we were talking. I assumed based on what he said that in fact this was taking place. I checked my report today and those inquiries have not been removed. They are still reflected 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 explanation
Consumer complaint received 2015-08-28 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: WA

Complaint narrative:
This is a complaint of a general nature. Advertising on TV touts free credit reports and the link in the FTC websites citing free credit reports take a person to XXXX. In the end everything is provided with the exception of an individuals credit score. All XXXX credit agencies demand payment for this info. My question is of what value is a free credit report without this critical piece of information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I contacted a collection agency named XXXX XXXX and asking them the process to have a collectio removed from the XXXX credit reports. They suggested I contact all threeagencies and request they remove it from my reports. I contacted all three companies and XXXX & XXXX were very helpfull to start the process. Experian howeverwas of no assistance what so ever. I called again to XXXX XXXX and they suggested I write a letter to Experian and that may be of more help. I was hoping you could be of assistance in this process. To explain what happend to have the collection, I was looking into taking classes with XXXX College in XXXX and while we were there I was being shown how to inroll in classes via computer and without our knowing it enrolled in a class. 
I found out about the mistake once it went to collection. The amount was {$100.00} and is paid in full. Please do what you can to assist. 

Thank you, 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 2015-11-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
We canceled the time share within the allotted time based on our contract. XXXX XXXX and Equifax both stopped reporting the XXXX tradeline ( after several rounds of credit bureau disputing ) however, Experian is still reporting it. Additionally, Experian is reporting the debt as currently past due with brand new lates each and every month. The true date of last activity was back in XX/XX/XXXX. This is causing us to not be able to close escrow on our home. We just extended escrow 30 days but, must have the incorrect current lates removed and the account removed all together from our credit reports by XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have constantly disputed this item with all XXXX bureuas and XXXX have deleted this item from my report except Experian!!

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 2017-03-18 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I made 2 online purchases of phone refill cards for XXXX that were represented to give me 6 months of phone service for each card. I did received 2 phone cards but they were never activated /paid for by the seller. In other words I paid for 2 cards with zero value. In order to use the cards, I would have to pay the money all over again. I disputed the charges but Citibank denied the dispute since I did not return the cards to the seller. The seller never responded to my request for a return so that option was not available to me. XXXX confirmed that the 2 cards can be used once they are paid for as the seller never paid fr these cards at XXXX. The total amount lost was {$420.00}. I do n't understand why Citibank would not support my claim.

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 2016-04-12 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: GA

Complaint narrative:
the website XXXX is NOT maintaining their " contact us '' form/email communication online. i tried to submit the following email to them and kept getting an error message : I forgot the date I last used XXXX, I reapplied, and it directed me to each individual credit agency website, they each turned me down and said*you have received a report in the last 12 months* you are not eligible yet. after the XXXX agency declined my free report, i was directed back to XXXX which said *thank you, please save the date and come back in 12 months* etc., my question is : WHEN AM I ELIGIBLE AGAIN?? i did not receive the reports today and did this attempt RE-SET my eligibility for ANOTHER 12 months??!!?? thanks. ( I signed my name here ) ****ps. I tried to submit this contact form 3 times while I was logged in, and it gave me an error message each time, then it logged me out and said to log back in. **what is the federal agency that regulates this company, where do I send a 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 2015-11-13 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: SC

Complaint narrative:
Hi, i just never recieved my free credit report in the mail from all XXXX agencies. Its been over a month now. XXXX Experian

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-10 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I have been out of country for three years. I returned to US in XXXX of 2015. Late XXXX, early XXXX I got a credit report from Experian as I was applying to rent an apartment and wanted to know my credit rating. Subsequently I have been getting these emails from Experian notifying me of changes in my credit rating. I have been ignoring these emails because when I open the email and click on the link it asks me for a user log in. I do n't have an account. And if I did have an account I do n't know my user login. Life has settled down a little bit and last night I decided to spend some time on this. Then I read the e-mail more closely. In very fine print it informs me that they are deducting XXXX dollars from my account monthly for this service and that I got seven days free and was automatically signed up for this and that I had to take steps to cancel the membership. I never sign up for this and did not think it was applicable. But then I check my bank account. Sure enough these slime balls are deducting money from my account every month. This has been going on since XXXX. This is fraud. It is dishonest and I have no interest in their service. I want my money returned. I want to file legal charges against them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-17 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:
XXXX XXXX shows as a collection against me but I 've never opened nor had a XXXX account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-01 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:
After this issue had been resolved with a collection agency for an agreed amount on behalf of the creditor XXXX XXXX XXXX XXXX, the file is again reopened for a third time after this had already been settled. These people are seeking a vendetta against me and seemingly are continuing to resubmit these derogatory credit filings to the agencies to reap their revenge for what I do n't know.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In XXXX I purchased a vehicle with XXXX XXXX XXXX and made my payments on time and paid out the account in XXXX. XXXX XXXX XXXX reported everything to Experian and it helped my credit score a great deal. Recently I checked my credit report again and noticed my score had dropped and that, that account was no longer on my report. Experian is claiming that while XXXX XXXX XXXX did everything they were supposed to, because the company that reported to them is no longer in business they have deleted all of the information submitted by them. Experian now has a fraudulent credit score for me because they have manipulated it by deleted an account on my report that was in good standing and they refuse to do anything about it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I had XXXX rental properties trying to save them I filed a XX/XX/XXXXbkpt & XX/XX/XXXXbkpt to try to save my houses. I did not go through with either XXXX of them I paid {$150.00} for each bkpt the house in XX/XX/XXXX I lost the house & it went into foreclosure the attorney never showed up in court he took my money & run. I GOT HIM XXXX. In XX/XX/XXXX the house that has been going on for about 6 years I decided to claim bkpt again to try do a loan modification keep the house. I under stand that when you claim bkpt & you go thru with the program it goes on your credit report & I agree with that. But if you do not go through with it & it is dismissed I think it is a little bit of discrimination when you do not go through with it. That is my opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Pulled credit report XXXX 2014 and saw XXXX Collection Account ( for XXXX ) that I was unaware existed. Had moved XXXX and guessing that 's why I did n't get final bill. On XXXX XXXX, 2014 at XXXX ( sitting in Hotel in XXXX TX ) spoke to Billing Dept. XXXX. Was told that to clear collection would need to pay {$220.00}, this I did using my debit card. Rep on phone stated computer issues and payment may not post until XXXX/XXXX/14. Payment indeed presented to my bank and was showing paid on XXXX/XXXX/14 to the XXXX XXXX XXXX. XXXX XXXX and XXXX XXXX XXXX both deny receiving payment. Tried to lease apartment for job purposes and was denied due to this still showing on my credit report. My bank traced the payment to the XXXX XXXX as noted above.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On Experian : they did not remove any of these disputed items. I disputed the misspelling of my name : XXXX never ever been called this. I disputed addresses they said I have lived at- XXXX , ND , XXXX, XXXX XXXX- never lived at these places and never been associated with them. Disputed linking my report with the SS # of XXXX no reason at all this should be on my credit report. There was a lot of credit inquiries that I have no clue who they are or why they are inquiring about my credit but the button does not let me dispute them : XXXX XXXX, XXXX, etc. This erroneous information should have been removed as I requested but within 24 hours they said it was settled and all still on there.

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 2016-05-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is the worst offender dispute items that were included in BK are re activated and falsely reported as a recent charge off. 
Experian stated to me that the creditor i.e XXXX XXXX recently reported the charge off even though it was included in BK 3 years ago. 
Which can not be true that XXXX reported the charge off because XXXX sold the debt 2 years ago so it would be impossible for them to report that on my credit report at this time. 
Showing the recent charge off on my credit report from XXXX which is impossible because they no longer have the account is simply retaliation by experian for disputing that item and is an illegal practice.

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 2016-05-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian fails to remove the XXXX XXXX account. Experian reports incorrectly that this account Terms are XXXX. Experian reports incorrectly that this account balance is {$50000.00}. Experian reports incorrectly that this account is past due {$50000.00}. Experian reports incorrectly this account Credit Limit is {$43000.00}. Experian reports incorrectly that this account is over it 's Credit Limit. Experian reports incorrectly this account 's date of first delinquency. Experian continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.

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 2015-04-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
My credit report shows a 180-day late payment in XXXX XXXX. However, I was not late. I have provided copies of my XXXX Payment Record ( XXXX XXXX - XXXX XXXX ) XXXX to Experian that clearly show my payments for XXXX XXXX and for the year of XXXX was never late and supports my position. Still, Experian refuses to delete ore correct this item.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Ove my lifetime I have had loans on XXXX homes all of which were paid off in full. My current home does not have a mortgage. I have also have had several credit cards on which I never carried a balance and car loans that were paid in full. Within the last ten years I had credit cards from a hotel chain and XXXX stores. I have since closed all of those accounts. As of now I pay all my household bills with automatic deductions from my debit card and also use the card for purchases. ( Visa XXXX XXXX XXXX XXXX ) My problem is that when I attempt to rent a car my Visa card is denied. I tried to get help from the credit reporting companies with no success. There is obviously something wrong with their reporting system.

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 2017-01-11 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:
Since becoming the victim of identity theft ( XX/XX/2016 ), I have had numerous fraudulent accounts opened in my name. I then dispute them with the credit reporting agencies. XXXX and XXXX have been pretty good about deleting the fraudulent accounts and/or collections but Experian will not help me, even after repeated ( and extremely long ) phone calls.

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 2016-12-16 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I took advantage of a free-trial offer for a credit report. After charging my account for {$1.00} to pull my credit, I was signed up for monthly credit monitoring. I called and requested to cancel my monthly membership. My credit card continues to be billed. I have called them to cancel this membership several times in 2016 and every time I call, the representative states that they are have no prior notes of my conversations. This company refuses to cancel my membership and refund my money. I was finally able to get the membership stopped in XX/XX/2016 after insisting that my call is escalated to a supervisor. But this company still took well over {$200.00} from my bank account after I instructed them to stop The company completely refuses to acknowledge all of the prior requests to cancel the membership and refuses to issue a refund for all of the unauthorized charges to my credit card.

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 2016-05-12 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:
A credit card account for a business, not for my personal use, was opened the business ' federal tax ID number. I was not the head of the business and when the business had failed and did not pay its credit card balance, it was reported under my personal credit report. Ultimately, this credit card account was paid for in pull for less than the full balance and closed. However, this remains as a derogatory mark on my personal credit report even though I was not the head of the business and did not have any financial decision making power. All XXXX credit reporting agencies refuse to remove this account 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