vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-20 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion is taking to long to send results.

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: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX = XXXX did an unauthorized hard credit check when i did not apply for a credit card. This caused a drop in my credit rating. I am notifying Transunion and XXXX but have been told that they will not remove it. I believe that this is totally unfair and illegal and they should fix my credit rating.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-30 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I signed up for a " free '' credit report via the XXXXXXXXXXXX. 
which cost {$1.00}. Then about a week later I noticed {$39.00} had been withdrawn from my checking account without my permission or notification. I called the number which showed on my bank account. XXXX to try to get the charges reversed. I was told there was nothing I could do about it. I was given another number to call XXXX = Experian called numerous times no answer. There was noinformation on the form I completed for the report that indicated I had to become a member within a certain amount of time. Apparently they used my debitdata to take the liberty to enroll me without my permission. I 'm asking for my {$39.00} to be refunded. I 'm on a fixed income ca n't afford nor do I need a credit reportmembership. 
XXXX XXXX XXXX XXXX XXXX, KS XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian.com fails to inform applicants of the automatic monthly fee into a forced subscription/ membership. This was my experience upon utilizing Experian.com to obtain my credit report, which I paid for that via online. Please note this was my first inquiry on my own, which I am entitled to obtain for free, however I paid for it and received it. What I did not authorize was to be automatically enrolled into additional services I never requested. Furthermore services for their fee was never provided, I did not receive any assistance for credit issue however they obtained a total of {$79.00} ( XXXX payments of {$9.00} ). This is a hidden and deceptive practice this credit company forces their clients into. Please note I did pay for my credit report but was unaware of the monthly {$9.00} monthly subscription. Experian.com unlike its competitor XXXX does not ask for a credit report, this is something all credit companies should provide for free since a consumer is entitled to XXXX credit reports a year.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint because Experian has ignored my TWO previous request to provide me with the documents that their company has on file that was used to verify the account I disputed. Being that they have gone past the 30 day mark and they can not verify this account, under Section 611 ( 5 ) ( A ) of the FCRA they are bound by law to ... ..Delete ALL information which is inaccurate or incomplete or can not be VERIFIED, that I have disputed Thank you in advance for resolving this matter..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is showing negative information that is over 7 years old on my credit report for XXXX accounts. These items need to be deleted from my credit report as the are all past the original delinquency date. 
1 ) XXXX Mortgage loan # XXXX is showing late payments starting XX/XX/XXXX through XX/XX/XXXX. 7 year mark ended XX/XX/XXXX and all negative notations should be removed past original delinquency date. 
2 ) XXXX Mortgage loan # XXXX shows late payments from XX/XX/XXXX through XX/XX/XXXX. 7 year mark ends XX/XX/XXXX and all negative notations should be removed. They are past the original delinquency date. 
3 ) XXXX mortgage loan # XXXX shows late payments starting XX/XX/XXXX end ending XX/XX/XXXX, 7 Tear mark ended XX/XX/XXXX and all negative notations should be removed. They are all past the original delinquency date.

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 2016-03-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To All party involve XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 

PLEASE UPDATE MY CELL PHONE NUMBER TO MY FRAUD ALLERT XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOBXX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within XXXX business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOBXX/XX/XXXX XXXX XXXX XXXX XXXX, 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 non-monetary relief
Consumer complaint received 2017-03-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
please find attached my dispute letters which i have also submitted to bureaus several times, XXXX accounts have never been late and should have no delinquencies. 
please help me to remove these unfortunate negatives. 
thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I tried to dispute this, it just appeared on my credit report, it is n't mine I 've never had suddenlink. They say they 've already disputed it. They 're lying. It just appeared in 2016, I 've never, ever had suddenlink services, I 've never ever disputed this before because it 's never been in my credit reports before, and I can prove it. If they do n't remove it immediately I 'm going to sue them.

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 2017-01-17 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
filed a dispute an never got anything in the mail or email

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report shared with employer w/o consent
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Recently I received my homeowners policy bill for XXXX. I noticed that my policy amount had increased over 10 %. I made inquiry regarding the increase, and was told that it was because of my credit score/ and credit comments. My credit score ranged from XXXX - XXXX, during XXXX. I have excellent credit scores. I was told that because inquires were made on my account, this was the reason why, my insurance policy rate was increased. I asked the person I was talking to this question! Each time companies checks my credit score or history, my credit score, is negatively being impacted. The person 's response was, " Yes ''. Why would a person 's credit be negatively impacted, simply because they are trying to find better rates of insurance on their homes, and/or autos? This does not make any sense. I could understand if a person, received credit, or incurred some type of increased debt, their score would be negatively impacted. However, simply inquiring or seeking to get better insurance rates, on their homes, vehicles, or seeking credit, should not negatively impacted, their credit scores. The system is indeed rigged. A person 's credit is dinged each time an inquiry is made, and they are dinged again, if they obtain credit, or increased debt. " What is wrong with this situation? '' Please can someone tell me why this is the case? Impacting a person 's credit, after they get the credit might be appropriate, but doing it simply for making an inquiry, is double jeopardy. I am requesting that the Consumer Financial Protection Bureau, investigate this matter. American Citizens, are having to pay higher rates for credit, insurance, and other financial transactions or instrumentalities, simply because inquiries are made into their credit history. Credit Card companies, and other institutions are receiving XXXX of dollars, because of this practice. It should be illegal, for these institutions to decrease a person 's credit scores, solely because inquiries are made into their credit history. If a person 's credit scores must be adjusted or negatively impacted, it should be done, if and only if, credit is issued ... XXXX XXXX, XXXX XXXX XXXX, XXXX, NC XXXX ... Email : XXXXXXXXXXXX Tele : XXXX ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I submitted a dispute with Experian regarding information on my personal credit report on XXXX XXXX, 2015 and shortly afterwards, they sent me a letter stating that they received a suspicious request. I called Experian and was informed that they would not re-open the investigation and that I needed to submit another dispute. As I am aware of the stipulations of submitting a XXXX dispute within 30 days, I waited until XXXX XXXX, 2015 and then submitted a new dispute regarding the same information. They did not respond at all to my dispute letter and I even provided them with the identification documents that they requested.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-29 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: AZ

Complaint narrative:
Experian requires you sign up for $ to get your credit score.

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 2015-10-07 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: CA

Complaint narrative:
I have tried multiple times ( online and by phone ) to obtain my free credit report, both have said my information is not correct and have not been able to get my credit report ( with all XXXX companies ). I lost my social security card and have been denied credit, I just want to make sure no identity theft occurred.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-02 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have disputed the XXXX XXXX item on my credit report on XXXX and Experian but both credit beaureaus have n't deleted the collection 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 explanation
Consumer complaint received 2016-06-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian fail to delete personal wrong information on my report. Moreover, dispute results show that wrong information was deleted but it has not.

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 2016-09-16 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello, in XXXX last year I needed a credit score for renting purposes. I went to Experian web site, it said I needed to pay {$1.00} and I 'll be all set. Apparently I failed to read fine print, because there is a clause somewhere that unless you cancel your account within some " trial period '' you are automatically assumed to be a " member ''. They have been charging me $ XXXX $ XXXX monthly, in a way of automatic deductions from my debit card - ( information that they only had because I gave it to them to run my credit report! ) ever since. For services I did n't need, want, or have ever used. I consider this an abominable business practice. Shame on me for not reading the fine print, and I am sure they have a fleet of lawyers to make sure they get away with this, but I consider it outrageous that these companies are allowed to " assume '' that you are committing to something without explicit consent. That I know of, I never ticked any box saying " I agree to pay $ XXXX {$25.00} a month for all eternity, if I do n't cancel my account ''. It was not even entirely clear I created XXXX. I thought the site was asking all the information in order to process a single transaction, that of {$1.00} worth credit score. Is there ANYTHING that can be done? I feel like they prey on people and need to be stopped.

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 2015-11-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XXXX XXXX, XXXX I sent a certified letter to all credit bureaus and Experian advising them that I had never lived at XXXX XXXX XXXX XXXX, XXXX, PA XXXX. The person living there has my same name and had a criminal. Experian was going to correct but still remains on 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 2016-04-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have credit issues that are on my credit reports that are over 7 years old and they are not being removed. please help me get these ones removed off my credit reports.

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 2016-10-12 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:
I filed a dispute both online and over the phone with Experian about a credit inquiry that does not belong to me. I was spoken to very rudely by several representatives and refused help. I have a fraud alert on my credit file. This inquiry is not mine. The following inquiry does not belong to me : 1. XXXX XXXX/XXXX/2016

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 2015-05-14 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: OH

Complaint narrative:
Tried unsuccessfully to give a creditor temporary access to an Experian credit record on which a freeze had been place. 

- The " PIN '' printed in the letter sent to me by Experian when I put a freeze on my credit is NOT the PIN but rather it is the exact same number as the report number, only with XXXX leading XXXX added. 
- The " PIN '' listed in that letter is XXXX digits long, while their on-line system will only accept XXXX digits. 
- The telephone system seemed to take the XXXX digit " PIN '' and indicated that the freeze wold be lifted for the time period I specified, except I was never asked for a time period and never specified one. 
- There is apparently no way to contact any person to help clear this up. 
- The email address Experian provides to contact customer support ( XXXXXXXXXXXX ) is rejected ( failed delivery ) How is someone supposed to deal with a company that is so monumentally screwed up? How do I transact any business with Experian?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Inability to upload files ( XXXX or XXXX ) to Experian for online dispute reporting. It is not an issue of file size, even considering the stated upload size available, which you should review. And, if uploaded docs may be easily hacked enroute (? ), why " offer '' this option? I will call to see if FAXING doc is an option on next business day ; my doc contained names and a bank contact no, but referenced only last XXXX digits of account in dispute, which actually needs to be removed from my present credit information. Credit company STILL too difficult to access for help. This is the age of digital information, not reliance on snail mail. Internet search also reflects this issue with uploading docs. Why is this problem being allowed to continue? Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Worked with attorney and debt collector to resolve an erroneous debt collection action resulting from cancellation of a cell phone contract in XXXX pursuant to the Servicemember 's Civil Relief Act/the terms of the contract. The debt collector verified that the debt was erroneous and notified my attorney of the same. The debt disappeared from all three of my credit card reports but has since reappeared. The process of disputing the erroneous information on each individual credit report ( Experian, XXXX ) is unduly onerous and time consuming. I would like the CFPB 's help with cleaning up my credit report permanently. Further, I believe other XXXX may be similarly situated and the CFPB should track this company for other complaints.

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 2015-05-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My mother have used my credit on multiple things that I did not authorize as a child and as an adult.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation