vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-25 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: NY

Complaint narrative:
What is this XXXX? Experian XXXX did n't even try to verify my identity online on this site XXXX XXXX XXXX. They just automatically told me I had to request by mail? XXXX verified my identity, and gave me my report online immediately! They did n't ask me any questions or do any of the other things required of them! I can access my credit reports from other online websites no problem, and did yesterday but not from this site XXXX. It 's complete XXXX! They already have my info. XXXX gave me access to my free credit report instantly online on this site XXXX. 
Every other company under the sun can access my stuff but they block me from accessing it, unless it 's on a pay site! It 's not just me either. I know other people with the same dam problem. They are just turning this site XXXX into a scam to drive people to their pay sites! 

We 're sorry, for your protection we are unable to deliver an Experian Free Annual Credit Report over the Internet. 


We were unable to honor your request. If you entered your credit card information, we did not charge you. 
Sending us your informationTo receive your personal credit report by mail, please mail us this letter XXXX or the information in it XXXX, along with onecopy of a government issued identification card, such as a driver 's license, state ID card, etc., and XXXX copy of autility bill, bank or insurance statement, etc. Make sure that each copy is legible, displays your name and currentmailing address, and the date of issue XXXX statement dates must be recent ). We are unable to accept credit cardstatements, voided checks, lease agreements, magazine subscriptions or postal service forwarding orders asproof. To protect your personal identification information, Experian does not return correspondence sent to us. 
Send copies of any documents you wish to provide to us and always retain your original documents. 
If you are purchasing your credit report, enclose your check or money order for {$13.00}. 
If you wish to purchase your XXXX XXXX XXXX XXXX report provided by Experian, enclose your check or money order for {$8.00} XXXX includes state sales tax where applicable ). XXXX is owned by XXXX XXXX, XXXX. 
Mail this form, along with payment ( if applicable ) to : ExperianXXXX XXXX XXXX, TX XXXX [ ] Check here for overnight delivery and include anadditional {$20.00} overnight processing fee. [ ] Check here to authorize delivery of overnightpackage without obtaining signature.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-02 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I purchased a credit report from Experian for {$5.00} and got it with no problems. However for XXXX months afterward I was charged {$19.00} for credit monitoring which I never asked for. Called the company and requested a full refund and they would only credit me with XXXX months charges. Moral of the story is read the fine print on these forms because even the credit agencies will cheat you if they can get away with it. Case # is XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
This bill is for rent on an apartment I lived in until XX/XX/XXXX. I paid the rent through XX/XX/XXXX. I am being billed for rent for the entire month of XX/XX/XXXX even though I had turned in a 30 day notice and did not live in the apartment during the month of XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
UNABLE TO CONTACT EXPERIAN THERE NO PHONE NUMBERAFTER VIEWING MY REPORT I HAVE SOME QUESTIONS I WANT ANSWEREDIF THEY CAN PUT IT IN MY REPORT THEY NEED TO BACK IT UP, IF THEY CAI N'T THEY ARE HURTING MY CREDIT

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-28 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:
RE : XXXX Account Type Collection Terms 1 Month Date Opened XXXX/XXXX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XXXX/XXXX/XXXX Balance {$140.00} Balance Updated - Credit Limit - Past Due Amount {$140.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX, XXXX, MT XXXX Ownership Individual Original Creditor XXXX Company Sold-to - Original Amount {$140.00} XXXX Experian needs to have this Entry immediately removed from my Report. This was disputed with XXXX and they sent a letter stating they requested these items to be removed with the CRA. I am not late on paying a bill, expecially this {$140.00} bill that does not belong to me! 
It is erroneous and I will file an AG compaint against 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 2016-08-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Requested validation and verification. These bankruptcy accounts being reported do not belong to me. I contacted Bankruptcy Court and respond was they did not 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 2015-05-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I found out that there was a Bankruptcy on Experian, and XXXX. I contacted each bureau and i was advised over the phone by a representative from the bureaus that they spoke to the court house and they court house verified the information. I then went to the court house and asked the clerk supervisor if this information and process was true. I was given a document from the court house stating that this was completely false and they do not speak or provide information to the credit bureaus. I forward the document to each of the bureau and then called to verify that they have received the documents, I was advised yes. It has now been 42 days now and all i have yet to receive a full detail form the bureaus or a removal form my credit report. I am prepared to file a law suit again the credit bureaus if this is not rectify within 15 days of my XXXX notice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am filing this complaint because Experian has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA -- they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. 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 non-monetary relief
Consumer complaint received 2015-07-01 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Yesterday I received a letter from a mortgage company informing me that my credit history had too many " delinquencies '' and othe negative items that lowered my credit. All XXXX credit agencies supposedly reported these issues. Last night I filed a complaint about XXXX. Tonight my it 's Experian.I had received my free report from them a few months ago and except for XXXX incorrect address, it was good and accurate. I asked to see my report again to find out what is going on with my credit, and the website charged {$1.00} to get a report. Now I received an e-mail from them " congratulating '' me on joining their " credit protection '' service and that after 7 days, if I did n't opt out, I would owe them {$29.00} a month! 
Here is a copy of my response : To : Customer Care & lt ; XXXXXXXXXXXX & gt ; Dear Experian, I did not order this credit tracking product and I want to cancel it NOW. Your program is misleading. It did not clearly state that by sending you {$1.00}, I would be subject to a $ XXXX monthly fee in 7 days. Your " opt out '' in seven days is hardly enough time for the poor unfortunate who does n't catch that clause in time. I am reporting you to the US Consumer Protection Bureau. 

- XXXX XXXXPS : I do not appreciate your falsifying my credit report with damaging information that bears no resemblance to the same credit history that you sent me just a few months ago.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-25 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
i filed a complaint and dispute over 30 days ago, I recvd paper stating my final report after investigation. the same creditor are still on there which some are over 7 years old, and are not mine, I have had id thieft 2 times in the last 10 years. I just want my my credit worthiness back, im XXXX and I need life insurance., my credit report is false my accts are being sold to collection agencies over the last 15 years, and some cases are the same creditor on there twice, but with different amount.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I owed a debt to XXXX. I paid the account in full and have a XXXX balance per the attached documentation. Experian refuses to show a XXXX balance, paid in full status, although I have provided the pay off letter numerous times which clearly shows, " Paid In Full, XXXX Balance ''.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
The account listed as an open collections account listed under XXXX in the amount of {$860.00} is incorrect. This account should have never been placed in collections to start with. Also, it was disputed in XXXX/XXXX 2014 and to be removed at that time. As you can clearly see from the attached documentation, I do not, nor have I ever owed this money. My health insurance plan at the time offered a {$1000.00} XXXX discount with XXXX XXXX XXXX ( original creditor ). This left me a balance of {$320.00}. I was told by XXXX that I only needed to pay {$300.00}. My cancelled check is attached as well. Please remove this account from my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-12 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: TX

Complaint narrative:
On XXXX XXXX, 2015 I attempted to purchase a 3 in 1 credit bureau report & FICO scores from XXXX for {$39.00}. I tried to authenticate but I got an error message saying I was not able to do so at this time. Error message said my order did not go through, my application for 3-in-1 credit report & FICO scores has not been accepted because there is a problem with the service, and my card has not been debited. Not understanding what the problem could be, I attempted the order process two more times to no availXXXX times receiving the same error message and reassurance that my card has not been debited. Low and behold, my card was debited for each of the three unsuccessful attempts, at {$39.00} a piece, yet I still have no 3-in-1 credit report nor FICO scores.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-05 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: MD

Complaint narrative:
I was able to view my Experian Credit report online and investigate negative information. At this time when I try to enter in my information though experian.com the site will NOT let me view my information. And Experian will not let me investigate my negative information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-22 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Audit & Adjustment Co. Inc.
State: TX

Complaint narrative:
My credit has been unduly affected due to an account not attributable to me. Thus I need to file a report of identity fraud. The creditor is : Audit & Adjustment Co. Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX United States Account number XXXX I have filed a police report as requested by the creditor and I am attaching it to this filing.

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 2015-10-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Their is a address listed on my credit report that I never lived at

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I have disputed the following accounts : 1. XXXX XXXX Account # : XXXX 2. XXXX # : 3 ... 
On XXXX XXXX, 2016 I spoke to XXXX XXXX ( Experian Consumer Affairs employee ) regarding the above mentioned accounts. I was informed that a Contract was never provided but simply the above mentioned companies simply press verified in Experians system. I am requesting a contract bearing my signature as it is illegal to report non validated inaccurate information to FCRA 's. I was also made aware that Experian has been sued before for this practice. Please supply the requested documentation or delete these items from my credit report as they are non validated in accordance with the law and inaccurate.

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 2017-03-29 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
According to the Fair Credit Reporting Act ( FCRA ), the credit reporting agency is required to give me the method of verification within 15 days of my request. This should be hard evidence that goes all the way back to the original creditor. I did not consent for them to use an automated system as means of an investigation process using any online computer program, XXXX, etc. The credit bureaus are required to send the all of the supporting documentation regarding the dispute on to the furnisher of the consumer 's account within 15 days.

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 2015-11-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Current victim of I.D . Theft due to information being compromised by the XXXX. I 'm a XXXX. The main company that Im having a problem with is Experian. I have sent all necessary paperwork, yet the still refuse to assist me in restoring and removing derogatory information on my credit file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Disputed XXXX negative items on my credit, XXXX XXXX and Acount XXXX XXXX and outcome was that would deleted from my credit reports with all XXXX credit units. still is reflected on reportAlso a dispute about XXXX and the First Mark XXXX. These car where given to exwife in divorce court, but she will not refinance under her name, but she is pay for them. Need to be removed from credit reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have taken the steps to dispute information being reported by XXXX XXXX on my credit report with Experian and the case has been resolved unfavorable to me, despite having showing proof of its inaccuracy. 
I filed a chapter XXXX Bankruptcy Date Filed : XXXX XXXX, XXXX, and no credit card dept was included in the bankruptcy. Only a charge off auto loan and 2nd mortgage debt. I have attached documents from the bankruptcy trustee showing the items included in the repayment plan. XXXX XXXX credit card for XXXX was paid in full by me before I ever filed bankruptcy. Now they are reporting on my credit report that the debt was included in the bankruptcy which will adversely affect me. It should be reporting as a paid closed accont with a XXXX balance as of XXXX, showing I had a high balance of XXXX and paid it down to XXXX. not that unsecured credit card debt was included as a part of a bankruptcy. This is not fair credit reporting. Please require XXXX to provide proof of my last payment to them. Which will show I paid this in full prior to my ever filing bankruptcy and XXXX money was paid to them or included in the bankruptcy.

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 2015-09-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Preventing steering, XXXX sever the essential linkbetween the price and sales XXXX by denying merchantsthe opportunity to influence their customers ' payment decisions andthereby shift spending to less expensive cards. ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Experian has somehow included the credit reports of my brother. He has a mortgage, XXXX auto loans, credit cards, that are affecting my credit. Basically anything associated with my brother and his wife should not be on my report. His whole credit report has somehow merged with mine and almost prevented me from getting a mortgage on our dream home. XXXX and XXXX are not reporting these. There are discrepancies everywhere on the report that are so blatantly obvious. XXXX look at the credit report from someone at Experian should be able to correct these issues. But now I am going to have to spend countless hours disputing every account. The dispute was made recently last XXXX when we took out a mortgage. Now I am going to submit it again because nothing has changed and I am obviously frustrated and angry that something like this could happen.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX has failed to validate the alleged debt directly to me by failure to provide a true and certified copy of the complete audit trail of said account, audit verification of debt entry in accordance with basal XXXX and u.n.c.I.t.r.a.l. conventions, g.a.a.p., and I.f.r.s. I also requested a copy of CARE XXXX XXXX 's Tax Registration Certificate, all of which XXXX XXXX XXXX was unable to provide as stated in their response letter ( see attached letter ). By law under basal XXXX and u.n.c.I.t.r.a.l. conventions, g.a.a.p., and I.f.r.s XXXX XXXX XXXX failed to validate their claim. A copy of XXXX 's response to my debt verification was previously mailed to XXXX, XXXX, and experian, however, your agency continues to allow XXXX to remain on my credit report negatively affecting my credit. XXXX XXXX XXXX is illegally reporting negative on my credit.

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