vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have never lived at, owned property or received mail at XXXX XXXX in XXXX, Arizona.

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 2016-08-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: ME

Complaint narrative:
I settled an account with XXXX 8 years ago and it is still coming up as negative on my credit report. What can I do to have 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 2015-04-08 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Receiving unwanted marketing/advertising
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Our families personal information was recently compromised during the recent XXXX XXXX XXXX XXXX hacking. We would like to verify that no fraud has occurred on any of our accounts, to include our children 's. Yesterday I received a telephone voice mail from the following number : XXXX stating that if I did not call back legal action would be taken against my name. I XXXX this issue and it appears that other people have gotten a call from these people as a " XXXX '' scam. Needless to say I did not return the phone call.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-13 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:
Experian refuses to block this information that resulted from identity theft. I notified them that my ID docs were previously stolen and I included my police report, affidavit and ID docs to no avail. I did not open this account, nor did I apply for it. This must be blocked pursuant to section 605B of the FCRA. 
XXXX XXXX this account is fraudulent and must be blocked pursuant to section 605B of the FCRA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
I have sent Experian numerous requests to investigate, verify and remove accounts from my credit report and they are not responding.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I had a tax lien through WA state and its been paid off for over 2 years. Numerous times I have asked for it to be removed from my credit report both with experian and XXXX and both stated I needed to ask WA state to do it. I called the state court again today and they said the credit agency needs to do it. No one is helping me and this is affecting my credit big time.

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 2015-12-08 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc.
State: SD

Complaint narrative:
On XXXX XXXX, I went to XXXX to view free credit reports I am entitled to received XXXX time ( per CRA ) per year. I successfully viewed my XXXX and Experian reports. I also selected the purchase option to get my credit score from both of these CRA 's. My Transunion experience was fine : simple, transparent and provided me with what I wanted/expected. I paid the one-time fee and received my score. 

My Experian experience was not fine. Although I have worked in the XXXX for over 20 years, I did not notice Experian 's " fine print '' that by getting my score for {$4.00}, I was also enrolling in a program that was free for the first month and then I would be charged {$19.00} per month after that. Today, I realized I had a {$19.00} charge on my credit card ( posted XXXX ) for Experian 's monthly {$19.00} fee for whatever " service '' I apparently enrolled in. 

In my line of work, I follow the CFPB closely. I know that credit reporting has been a big area of focus and produces a high number of consumer complaints ( some fair and some unfair I 'm sure ). 

When I called Experian to ask about the {$19.00} charge on my credit card, and to bring forward my concerns about the " automatic '' enrollment in some " service, '' the representative was professional and helpful. He immediately canceled my membership but would not refund the {$19.00} fee that had already been charged to my credit card - essentially saying it was a " legitimate charge. '' I 'll admit, I may have missed reading some disclaimer or fine print when I thought I was just getting my Experian score for a one-time fee of {$4.00} on XXXX. 

However, if I 've made this mistake, I am very confident many, many others have also made the same mistake and 1 ) have n't noticed the credit card charges yet and/or 2 ) do n't know what to do about it. That is why I 'm writing to you today. I made it clear to the Experian representative that I talked to that I was going to contact the CFPB because the " automatic enrollment '' as a " revenue generator '' for Experian was not, in my opinion, an appropriate or " consumer friendly '' way to generate revenue in today 's highly regulated environment. 

For the record, I have no personal or professional connections with anyone at Experian or XXXX - not currently and not at anytime in the past.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-10 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 file a case against XXXX XXXX. After filing my case against them they indicated they will be removing themselves off my credit report. Also, they would be sending a letter to all XXXX CRA to remove them off my credit report. This was done over a month ago. I am wondering why have n't this item has been removed 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 non-monetary relief
Consumer complaint received 2017-01-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
There has been an open XXXX XXXX account on all my credit reports every month since XXXX 2008 that they ( XXXX XXXX ) can never seem to find in their system. I want to close it but they are no help at all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05 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 fraudulent items on my credit report. I have inquires that I did not apply for as well as names and addresses that do not belong to me.I am a victim of Identity Theft

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I disputed multiply addresses on my report that i haved never lived, and they wont come off.

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 2016-03-08 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:
there is information on my file that either is unverified, inaccurate or I have no knowledge about and the credit bureaus are either not processing my disputes or they are not doing their job correctly. I have not received any documentation in the mail that either verifies or validates any of these that i am disputing and I just am not sure what to do right now. I asked for documentation, was denied it and all of these come back as verified but nothing is being verified at all! Who did they call? What was the date? Who did they speak with? What documentation was used? What was the method of verification? I already made a complaint with the Attorney General because this is absolutely absurd.

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 2016-10-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I contacted Experian over the telephone to discuss an item which was on my credit report.The item in question is State of Michigan Office Child Support, I originally talked to one of their customer service reps about this item and they had stated that this item was placed on my credit report due to lack of payment which I am not disputing I was sick I had XXXX and I did not pay for two to three months this was XX/XX/XXXX.How could this still be on my credit report. When I viewed my credit report it states that the payments begin becoming late XX/XX/XXXX and XX/XX/XXXX that is incorrect I have paycheck stubs to prove that during this time they garnished my wages for the amount due for the weekly child support.So in fact if it is XX/XX/XXXX it has been on my credit report for over 12 years which I can prove and it should be deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19 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 have filed several complaints with XXXX, XXXX & Experian in regards to information from a creditor in regards to some medical bills that I am not aware of from XXXX XXXX XXXX in XXXX, MI. I have filed several complaints with the creditor and credit bureaus with no success in having them removed. I have been doing the run around game with the credit bureaus since XXXX of 2016. and they refuse to fix the problem.

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 2016-06-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
A family member of mine opened a XXXX credit card In my name and ran up the bill, now my credit score is poor because of it.

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 2016-02-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Have made 9+ disputes ( since XXXX XXXX XXXX XXXX ) with Experian on credit card account with XXXX ending with XXXX. Experian refuses to fix inaccuracies reporting charged off account payment status as late since XXXX XXXX XXXX. XXXX XXXX account charged off XXXX XXXX. Representative stated its Experian right to set policies regarding how charged off credit card accounts are reported. Requested copy of Experian policy regarding reporting of charged-off credit card accounts placed on hold 20+ minutes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have reached the underwriting portion of obtaining a mortgage loan. My credit report was pulled from the XXXX credit bureaus. However, there is a discrepancy regarding my legal name with the credit bureaus. XXXX, XXXX lists my legal name correctly. Experian made my middle name into my last name and my last name into my middle name. My last name is just one letter. It 's an unusual last name. Experian refuses to change my name to reflect my legal name stating that their system can not accommodate one letter last names. Because of name discrepancy, the mortgage company has to disregard my Experian score and weigh heavily on my XXXX and XXXX. My XXXX score is currently XXXX. XXXX is XXXX and Experian is XXXX. I can not qualify for the loan program that I was trying to obtain. This is quite unfair. If both XXXX and XXXX can show my legal name correctly why ca n't Experian do the same. This is costing me extra money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01 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:
Experian is reporting false information on my credit report. Two accounts do NOT belong to me, and these accounts are hurting my credit and my ability to obtain potential employment. I believe these XXXX negative accounts were removed in the past, but sold to another third party collection agency in hopes to collect on a debt that does not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am file a complaint against Experian credit report. Because I have submit multiple disputes with this company XXXX for reporting on my credit report. Experian did not do the proper investigation. When I called to what information they had gather to verify the error. I was told by the Experian rep that XXXX stated it was reporting correct. I asked where is the proof and none was giving to me. I did not have XXXX XXXX account. I file a complaint with fcc and XXXX on this XXXX XXXX matter and submit this Experian and they where no help on this issue. I am able provider my supporting document but but Experian and XXXX wont provide me the supporting showing that this is a valid account. I am looking for this to be investigate the right way and remove from my credit file

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 2016-02-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I HEREBY DECLARE MY INTENT TO SUE. 

Despite my previous mail correspondence, XXXX has failed to investigate and rectify errors contained on my credit report. Thereby they have violated the Federal Credit Reporting Act, due to which I have lodged complaints with the Federal Trade Commission and the California Attorney General 's office. I am allowing you 30 days to rectify the erroneous information ; your failure to do so will result in my filing suit against your institution. 

I have paid the XXXX {$2200.00} on XXXX for Docket # XXXX. The payments, including all principal, interest, late charges, penalties and assessments, have reduced my account balance to XXXX which closed the account. There should be no further effort to enforce or collect on this account and, therefore, I am requesting that the XXXX follow through with a Vacatur of Judgment, withdraw and/or expunge Docket # XXXX from every county court ( s ). Additionally, when I paid the excess unemployment amounts, XXXX guaranteed to have this judgment removed from all XXXX credit bureaus. They have failed to do so.

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 2015-06-22 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 contacted XXXX and received a response from XXXX XXXX XXXX which I assumed is XXXX parent company.They could not or would not give me information on the reason they ask to see my credit report. I never heard of XXXX. XXXX XXXX XXXX advised me to have the credit reporting agency ( EXPERIAN ) investagate this but they should have know why they inquiried my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 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: NV

Complaint narrative:
IM sick and tired of trying to get a credit report that has everything on it. not like some of the services they sell. i want to pay {$12.00} for my credit report, but they cant verify my info. they say i have to mail them all kinds of proof of ID. YET I CAN SIGN UP FOR 1 OF THEIR MONTHLY FEE BASED CREDIT MONITORING NO PROBLEM. NO MAIL. .JUST GIVE US YOUR CC # AND YOU 'VE GOT OUR CREDIT WATCH FOR {$20.00} A MONTH.. THIS SHOULD BE ILLEGAL. THEY REFUSE YOU YOUR REAL REPORT BUT OK YOU FOR THEIR MONTHLY SERVICES WITH CREDIT REPORT AND CREDIT SCORES. THESE ARE THE SAME PEOPLE WHO CONTROL OUR CREDIT AND LIVES. THEY CONTROL OUR CREDIT AND THEN ARE ALLOWED TO MAKE PROFIT ON THE SIDE. THAT SEEMS LIKE A CONFLICT OF INTEREST TO ME. COULDNT THEY BLACKLIST ME FOR COMPLAINING OR NOT LOOK AT MY DISPUTES OR ANYTHING. AND ILL PROBABLY RECEIVE BACKLASH OR PAYBACK FROM THEM, BECAUSE THEY 'RE ABOVE THE LAW. THE GOV NEVER DOES A THING IVE MADE COMPLAINTS BEFORE, WHOSE LOOKING OUT FOR THE CONSUMER. GOOD OLE USA XXXX THE PEOPLE IN FAVOR OF CORPORATIONS. AND IM A XXXX VETERAN. YOU CANT DISPUTE ITEMS FROM THEIR MONTHLY SERVICE. ALL I WANTED TO DO IS PAY {$12.00} TO SEE MY REPORT FROM EXPERIAN SO I COULD DISPUTE SOME ITEMS, BUT THEY ARE ALWAYS PUSHING ME TO SIGN UP FOR THEIR SERVICES CREDIT MONITORING XXXX. I THINK I HAVE A GOOD LAWSUIT. THE CRA 'S REFUSING YOU YOUR CREDIT REPORT. BUT OFFERING A SORT OF FAKE REPORT FOR LIKE {$24.00} A MONTH THAT DOES NOT HAVE ALL THE INFO OF THE OFFICIAL ONE. THERE NOT WORRIED ABOUT FRAUD WITH MONTHLY SERVICE, GET REPORT FROM ALL XXXX CRA 'S IN A SEC. BUT NEED TO DISPUTE. COULD TAKE MONTHS OF ID CHECKS TO GET REPORT. I THINK ILL TALK TO AN ATTORNEY.

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 2015-11-22 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I filed an dispute with Experian and advised them that hard inquiries on credit reports are removed two years after the anniversary date. Experian never gave me a response. The following inquiries are past the two year date : XXXX XXXX/XXXX/2013, XXXX XXXX/XXXX/2013, XXXX XXXX XXXX XXXX/XXXX/2013, XXXX XXXX/XXXX/2013, XXXX XXXX/XXXX/2013.

Company public response: Company 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 — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
EXPERIAN HAS VIOLATED THE DODD-FRANK ACT AND HAS VIOLATED FCRA AND CREDIT REPORTING FRAUD WITH ITS FFFFURNISHERS.

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 2015-06-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The item with XXXX XXXX XXXX is being investigated. The account was opened in XX/XX/XXXX and should be removed in the year of XX/XX/XXXX. It has been XXXX years that this account has been reported.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please assist me in getting an incorrect birth year removed from my credit profile. I was born in XXXX, not in XXXX as Experian is reporting. I have informed Experian that I was a victim of identity theft. Also, there are several inquiries in the last year that is not mine. Please remove these unauthorized inquiries from my credit profile. The following addresses are not mine : XXXX XXXX XXXX and 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