vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-08 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Criminal Enterprise - Experian. I signed up for a credit report/Fico and while I apparently thought it was a one-time report, it apparently ( no doubt small print somewhere on payment page ) was a monthly recurring charge. Then when i saw these charges on my VISA, I learned that YOU MUST CALL XXXX NUMBER TO CANCEL. They have the most fantastic, most robust, most functional website on the planet, except you have to call XXXX, WAIT 30 MINUTES ON HOLD, to cancel!!!!!!

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 2015-06-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Over XXXX towns and goverment on my documents and home contents and also using computers and deniged me credit and loans and keep my stuff messed up and also with scams and land developments ect..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07 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:
Any credit information on my credit report concerning the Kentucky address shown on the attachment is not my information. 

I have never lived in Kentucky or attended school in Kentucky. 

Simply not me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I had a fraud alert put onto my credit report because I am a victim of identity theft. I have filed a complaint on Identitytheft.gov and with the XXXX police department. This agency refuses to remove the fraudulent XXXX and XXXX accounts from my credit report. This agency refuses to investigate the fraud and is insistantly harassing me by keeping this fraud account on my credit report. I have complained repeatedly but the credit report agencies do nothing.

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 2016-10-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I send a disputed to the CB for inaccurate information report on 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
Consumer complaint received 2016-12-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian has false information in the address. Likewise, they have subsequent agencies who have asked for my credit record to which they are giving false information, and put agencies to which they say I applied. I have not. I have tried to let them know this on line and by phone. Their website recording these inaccuracies would not submit the corrected information. Likewise, when you call their phone number. It does n't work. It says they are having connection difficulties. 

They, not the other two credit monitoring agencies, have false information in my credit report that they have posted, and wo n't correct the information. I have tried to dispute this on line but the website will not let me. Furthermore, I have tried calling to dispute and keep getting the message that your phone lines are down. Furthermore, my middle name needs to be requested. Furthermore, I am not nor have I ever applied for new credit cards or opened new bank accounts in the past three years. I refinanced mortgage XX/XX/XXXX and have a new car loan as of XX/XX/XXXX. I have only lived at one address since XXXX. Any other addresses and credit inquires are wrong. I only have a usaa credit card and do not need nor have I applied for others. Please consider all other credit applications as attempts at fraud.

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 2016-02-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: 21ST MORTGAGE CORP.
State: MN

Complaint narrative:
I signed a contract with 21St Mortgage Corporation on XXXX XXXX, for a Mortgage loan of {$63000.00}, at 7.25 % of interest rate, and to be paid in XXXX monthly installments. I paid off this mortgage on XXXX/XXXX/XXXX. After checking my payments I noticed that the interest I have being paying is 8.02, a difference of 0.77 %. I called 21St Century on XXXX/XXXX/XXXX, and they told me that the interest I have being charged is OK., everything is under the contract, and not refund should be done. I know that 's not right, and that a refund must be done to my favor.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XXXX/XXXX/15 I submitted a dispute to Experian, regarding several errors on my credit report. Their response dated XXXX/XXXX/15 showed several erroneous accounts were removed. However, an erroneous address, which was also disputed, remains on my credit report. I have never lived, nor am I associated in any way with the address : XXXX XXXX XXXX XXXX , XXXX XXXX, TX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have a collection that 's been showing on my Experian and XXXX report for a while that is not mine. I disputed through XXXX, and receive a verdict that they were unable to verify this was mine, and they agreed to remove trade line from CRA 's in 2012. They are still on today and disputes did not work with Experian or XXXX, and Collection Agency is not acknowledging the letter they send agreeing to remove from my reports. 

The tradeline on reports is XXXX, they also go by XXXX XXXX XXXX XXXX XXXX it looks like. 

Please help me get this resolved, it 's making it hard for me to get an affordable rate on a vehicle for my family.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX who claims to be CEO of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX XXXX XXXX XXXX, MO XXXX Toll-Free : XXXX Local : XXXX Letters : XXXX Telemarketing : XXXX Client Services : XXXX Fax : XXXX Email : XXXXXXXXXXXX claims he received this debt listed on XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Date Assigned : XX/XX/XXXX Creditor Classification : Financial Creditor Name : XXXX XXXX XXXX Account Number : XXXX Account Owner : Individual Account. Original Amount Owned : Date of 1 st Delinquency : XX/XX/XXXX Balance Date : XX/XX/XXXX Balance Owned Last Payment Date : N/A Status Date : XX/XX/XXXX Status : Z - In Bankruptcy Comments : Bankruptcy chapter XXXX, Bankruptcy discharged Experian : Changing the same exact account from closed to open. 
XXXX XXXX XXXX, Collector : XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX XXXX Balance Date : XXXX XXXX Balance Amount : Date of Status : XXXX XXXX Status : Closed Open As it appears on Experian : XXXX Account Type Collection Terms- Date Opened XXXX/XXXX/XXXX Account Status Closed Payment Status Late Payment Status Details In Bankruptcy Status Updated XXXX/XXXX/XXXX Balance-Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Monthly Payment Balloon Payment Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MO XXXX Ownership-Individual Account Original Creditor XXXX XXXX XXXX Company Sold-to Original Amount Comments BANKRUPTCY CHAPTER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX XXXX XXXX Claims when he buys these accounts, he has no responsibility to verify if the debt is valid, he throws it on credit reports hoping to collect, I asked him, even if you already owned the account in XXXX? Already flagged it for Bankruptcy? Nope he bought it from : XXXX, XXXX XXXX XXXX, XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXXXXXX, complain to them! I decided to complain to you since this is preventing me from obtaining a Federal Student Loan consolidation. Because it appears to be a new open collection. I feel the creditor has to have some sort of responsibility to verify the validity of the debt and should not be able to list items that are closed as open again every few years, hoping to collect on accounts that are discharged in bankruptcy. Mind you this was never my debt, my ex husband took out the loan, I only added it to my bankruptcy to avoid them coming after me, once I was divorced.

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 2015-04-20 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: OR

Complaint narrative:
For 5 years Experian has refused to allow me my annual credit report by any method including online or by phone. They notify me of changes to my credit file ( for instance I recently moved ), however when I call the provided number to get an updated report they say they can not provide me with XXXX with the information I have provided. For 5 years I 've been told this ... & I can not come to resolution with them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 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: TX

Complaint narrative:
In XXXX 2015 I requested an annual credit report from Experian, XXXX, and XXXX. To this day I have not received a report. I would like to know the next step to take

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
several incorrect spelling of last nameincorrect addressXXXX account in collections which is no longer or in existence ... this account comes up on XXXX credit reports and does not show on Equifax only my current XXXX bill.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX ran a hard inquiry on our Experian Credit Account without our authorization. We never heard of this company before. We called XXXX XXXX as recommended by Experian but they do no want to assist in getting this unauthorized Hard inquiry removed from our credit report. This is FRAUD.

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 2015-11-26 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:
All XXXX bureaus are continuously reporting false and malicious information

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
incorrect info on my report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are XXXX entries listed on my credit report which I have tried to remove previously. Apparently, someone with a similar name to mine filed bankruptcy twice in different cities and they XXXX appeared on my credit report. I have sent in letters as well as disputing through the online system that someone with a similar name had filed these public records and it was not mine. Unfortunately, Experian sent a letter advising that these were verified and would remain on my account. I got frustrated and contacted the XXXX and XXXX bankruptcy courts and they advised that they do not provide anyone with a debtor 's full social security number, and they definitely do not provide any credit bureau information relating to any bankruptcy cases. Experian should now that it is a violation of the FCRA to report erroneous information on someone 's 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 2016-05-11 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:
XXXX XXXX XXXX company put {$26.00} collection account on my credit report without contacting me, or giving any notice or invoice, 4 months after I closed account and paid it in full. After I closed account in XX/XX/XXXX, for few months I called every month asking what is my final bill is, they could not tell me because they " did not read the meter yet ''! Finally, XX/XX/XXXX I called and they told me I owe {$28.00} outstanding. I paid the {$28.00} immediately. I never received any bills or notices that I have any more outstanding balances. All my mail was duly forwarded. Then all of a sudden XX/XX/XXXX i saw a " collection account '' from XXXX XXXX for {$26.00} on my credit report! For 10 months now I am trying to get it resolved thru Experian Credit Agency. I submitted dispute. After 30 days they informed me that " they verified the account ''. No additional information was provided as to exactly what information was verified and by which documents it was verified. When I tried to dispute their " investigation report '' they said this account was already investigated once and refused to make any further investigation into this dispute.

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 2016-01-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
There is a XXXX Bank account that does not belong on the report, XXXX has agreed for removal and the reporting agency keeps saying verified, this is wrong information on my name and it hurts me to the bottom. 
I have included a copy of my report as well the letter from XXXX bank showing the account in dispute.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-26 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have been disputing and requesting validation of a debt I do not owe for nearly a year now and Experian has not only been evasive, they have never once provided the requested and official documentation required by law, in reference to the following accounts : XXXX XXXX XXXX Acct # : XXXX since XXXX 2014, and XXXX Acct # : XXXX since XXXX 2014. 

Not once have they provided me valid proof that it was mine NOR that I had a contract with either of these company. Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) that the claim that I owe them is not valid, and that I requested validation, and additionally I demanded proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of their authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 

I have repeatedly asked them to provide the following, below ( items XXXX ) but would not disclose how they got any of my information in the first place:1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
2. What is your authorization of law for your collection of information? 
3. What is your authorization of law for your collection of this alleged debt? 
4. Please evidence your authorization to do business or operate in this state. 
5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 
6. Please provide a complete account history, including any charges added for collection activity. 

This type of practice is not only upsetting but the authority and power these people have over other consumers presumably is also very illegal. They obviously are not willing to provide this which is even further illegal. I further ask that you look into the practices of this company and these collection charges brought against me that since it is the Bureaus RESPONSIBILITY to clean up and report accurate, fair, and verifiable information, they are not doing their job.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I accessed a one time service from Experian for a credit report when applying for a credit card two years ago. Since then I have received emails from them and assumed this was junk mail. I never opened them nor have I used their online rating service since the initial check. I have not received paper billing from them. This week I checked my online bank balance and noticed a {$27.00} fee from Experian every month. I called my bank and they traced the charge back to at least XXXX 2015 - which is close to {$500.00}. The bank said they could not reverse the billings. I called Experian to cancel and file a complaint. They said that when I signed up for the initial service I was supposed to cancel after seven days and that this direction is clear on their website. I have no memory of this being clear ; I 'm very careful and have never had this problem with any other online service that I 've used. They offered to refund XXXX payment of {$27.00}. I have researched Experian complaints in online chat boards and have found that many people have had the same 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 monetary relief
Consumer complaint received 2015-05-06 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:
XXXX XXXX has placed XXXX credit inquires on my Experian credit report in XXXX, XXXX, and XXXX 2014.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello, I am concerned about XXXX accounts which I have been disputing for several months now. They are appearing on my Experian report and have not had any activity since XXXX of 2008 and Experian has continued to keep reporting it after I have asked them to delete them from my file as they are not allowed to report past 7 years of the date of the last activity. The accounts are listed as 1 ) XXXX XXXX Bank # XXXX ... .... and 2 ) XXXX XXXX ... .. Both of these accounts received their last payments in the middle of 2008. That is when I defaulted after I lost my job. I have never made a payment or had any activity since about XXXX of 2008. These accounts are very old and I hope that they will just delete them already. I have fought them over and over again on the accuracy of these dates and the furnishers can not help me, they say, because they can not pull any records. So how did Experian verify these dates? They need to know that it is no right to report items past the statue of limitation, which I was told by XXXX & XXXX that that is 7 years. Please, can you ask Experian to investigate these again or delete them? I need to start my life over again already and this is holding me back and making me very very depressed. 


ALSO. May I add that there is an account on my credit report which is not mine. It is under XXXX XXXX XXXX. I have never held a loan or an account with this company and the terms and payment history make no sense and are not accurate. I had asked my student loan to be transferred to the XXXX XXXX XXXX department not the XXXX XXXX XXXX department. This is a very negative mistake on my credit report. Can you please remove this account as well. This will help make my credit report completely accurate. Thank you so very much. I have disputed that account as well and have not had any verifications or validations. I have also asked about details and have not received any.

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