vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-15 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I needed to get a free copy of my credit report and visited XXXX of the major credit report company 's ( Experian ) website on XXXX XXXX, 2015 and wanted to print out my credit report. I was requested to create an account ( which I did ) and then followed the instructions to get my credit report. I was charged for XXXX for my report. So far is fine. 
However, when I checked my bank statement for the month of XXXX I saw that my debit card was charged {$21.00} on XXXX XXXX. When I created an account I was not informed that I was buying a paid membership. Also, I did n't receive any payment receipt from this company. If I received a receipt, at least then, I would know that I bought a membership! I called the company, explained the situation and asked for a refund ( on XXXX XXXX ) but they refused and the customer representative on the phone told me that everything was on the Terms and Condition document that I agreed online! There was a 7-day trial period that I could have cancelled my membership and it was too late he said. 
Now I believe that Experian ( although known as XXXX of the XXXX major credit report companies in the US ) is not doing ethical business itself so how can I trust this company for my credit report. Also, I am going to dispute some information on the report they provided me with. 
I just request a refund from this company for the amount they charged on my debit card. 
Best Regards, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-10 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: VA

Complaint narrative:
The Experian web site is not consumer friendly and very misleading. 
When my new credit card arrived from XXXX XXXX it contained a notice with my credit score from Experian dated XXXX/XXXX/2016. The enclosed note also had instructions on how to obtain a free copy of my credit report. It had mentioned it was federal law that I can obtain my credit report with 60 days of that notice from XXXX XXXX. 
So I followed the instructions and went to XXXX. 
The landing page steps me through a set of questions that strongly implies I have to pay for my report if I was not declined credit. So I went back to the main landing page and looked very carefully at all the words on the page. In very small letters at the bottom of the page there was a link to another page that explains the federal law and the free credit report. Complaint # 1 : the hiding of the free report is clearly not consumer friendly. 
Complaint # 2 : When I clicked on the link for the instructions to get my free report, the page was not available - implying the service was down or not available. I had to come back a few times for the page to render properly and display the instructions. The link I used is below. 
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 2015-10-01 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:
I have been a victim of Identity Theft. It is affecting my credit report. Please look into this. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I recently discovered that XXXX issued a credit card to someone who stole my identity. I am upset because the bank and or credit bureau, did not make any effort to verify the details of the person applying for this credit card. If they had paid proper attention they would have noticed that my address, same as the address on my ID card was not the address given to them. The address they were given used my surname. So they took the correct street number and added my surname as the street address. Surely, when people apply for credit cards, one is hopefully paying attention, and will notice that the surname of the person is the same as the address. Should n't this raise a red flag to be checked? Especially when the address included my surname without even saying street or avenue. XXXX is refusing to take any responsibility for this mistake, suggesting that the mistake was made by the credit bureau. If it is the credit bureau, surely they too have ways to verify the information is correct? This use of my identity has lowered my credit score and affected my application for a mortgage. It is in the process of being resolved but what bothers me is that both the bank and/or the credit bureau do not take responsibility for this mistake.

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 2015-11-25 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: CA

Complaint narrative:
I ca n't get either a credit score or report. I 'm afraid I might have gotten 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 2016-02-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
On XXXX XXXX, 2016, XXXX XXXX pulled my credit without my knowledge or consent. Despite several phone calls to the company, and many letters to XXXX XXXX and to Experian, this inquiry has not been removed from my credit report. I know it 's a small thing, but it looks as though I have been seeking additional credit lines, which I am not. 
I am appalled that a company like XXXX XXXX is allowed to pull consumers ' credit without a legitimate purpose. I have NEVER applied for an XXXX XXXX product, and they have no business pulling my credit and leaving an inquiry on my credit report. 
I really want this removed from my Experian Credit Report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Guglielmo and Associates
State: AZ

Complaint narrative:
I owed {$1600.00} to XXXX XXXX XXXX Credit Card but medical expenses probated payments. My wife, XXXX, XXXX. We both live on XXXX only. 

XXXX XXXX XXXX sold the debt to a law breaking junk debt collector XXXX XXXX, XXXX. Their attorney, Guglielmo & Associates PLLC, harassed us with calls all hours of the day. Their bill collector went to neighbors misrepresenting themselves as the police and disclosing we owed money and we were deadbeats. 

The law firm sued us and won a default judgment for {$2300.00} on XXXX/XXXX/2016 ( attached docs ). We wrote them on XXXX/XXXX/2016 telling the attorney to cease all collection harassment ( attached docs ). They continued to tape legal work to our front door after our cease and desist letter. In speaking to the law firm they were aware that our income was from Social Security only but the attorney threatened to illegally garnish our checking account on XXXX/XXXX/2016 ( attached docs ). 

We filed bankruptcy on XXXX/XXXX/2016 but to date the attorney has not removed the collection activity from our credit report. 

XXXX XXXX XXXX and Guglielmo & Associates PLLC have violated the FDCPA laws and should be held accountable for their law breaking activities..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are information on credit report that are over XXXX old.By law those should be remove.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-06 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted a form through XXXX XXXX and wound up wit hard credit inquiries by XXXX. I wrote XXXX a letter via US Post and asked them to provide any form of evidence that I authorized multiple credit pulls by their company. They refuse to provide me with any sort of documentation showing that I authorized a credit pull. I am asking for your organization to compel the XXXX major credit reporting agencies to delete any credit pulls by 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 2016-09-07 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:
Experian is not responding to my requests to investigate and remove accounts that do not belong to me from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 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:
FAIR COLLECTIONS & OUT Account Number : XXXX look like this account is not mine, I asked XXXX to send me a copy of this debt with my signature on it showing that this account really belong to me and they fail to reply. I also never received a statement from their original creditor before sent to collection why??? 
Experian is really not helpful, this is my right ( XXXX & XXXX deleted, why Experian does not follow the basic procedure what proof do they have??? ). Please assist

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The Department of the Treasury website refers us to the Annual Credit Report Request Service. This service used XXXX, Experian and XXXX. I thought I was safe there. You should know that Experian ( which I never used ) allowed fraudulent use of my credit card to open an account with them for a person unknown to me. This is laughable, but terrifying, because the very company we are referred to to get credit reports and which claims to prevent fraud, was fooled into letting a person open an account with them using my credit card, and my address. 
Experian says : " We help businesses to manage credit risk, prevent fraud, target marketing offers and automate decision making. " They should be investigated to see if we are really safe with them. Cancellation # of the account with Experian and the first name and last initial of the party are available on request by the proper authorities.

Company public response: Company 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 — Account status
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My wife and I had a credit card. The credit card company would not treat me as an account holder even after my wife called in to complain. I had my name taken off of the account. Experian is still reporting the account open. I disputed the claim. They researched it and only changed my status to authorized user and kept the account open. Even though the credit card account is still open, I am not part of the account any more and it should report as closed on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-20 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:
The creditor did not verify this debt per FCRA rules within 30 days after receiving notice. 
I asked for verification and their balance reported to the bureau differs from what they claimed I owe. Without validation of the debt as per FCRA, they went on to report despite numerous letters to them. I have attached all relevant documentation.

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 2016-12-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I wrote to Experian in regards to an entry listed on my credit report which I previously disputed and requested to have removed. After disputing the public record, I was told that the public record was accurate and verified and it is still listed on my credit report. I wrote to Experian and asked them how did they verify the bankruptcy public record on my credit report to make sure that it is accurate if the XXXX of Pennsylvania Bankruptcy Court stated that they do not report or verify to credit reporting agencies with any information relating to any bankruptcy cases. If that is the case, then where did they get the information from? If they did not get the information from the BANKRUPTCY COURT, then the information on my report is inaccurate, false and should be removed from my report. I enclosed a copy of the letter I received back from the XXXX of Pennsylvania Bankruptcy Court supporting my position. I asked Experian to remove the bankruptcy public record from my credit report file immediately because the public record could NOT have been verified since there is no way to verify it. They sent me the attached letter stating that they would not investigate my dispute any more unless I sent them proper documentation. I sent them the proper documentation from the BANKRUPTCY COURT!!!!!! That is all the documentation that I need!!!!!! Experian has inaccurate and incorrect information on my credit report that I want REMOVED IMMEDIATELY under the FCRA is information can not be verified or is inaccurate, it MUST be deleted from said 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 2015-08-30 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 applied for a business loan with my wife who was the guarantor on it. She filed for bankruptcy in XXXX and discharged the loan. Now the loan is showing up on my credit and affecting my score, please take the loan out of my credit report. 
Thanks, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
landlord maliciously file for eviction all the time and tenants do n't know theirrights so these bad reports ruing you for a long time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-30 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 was unaware of the {$230.00} debt, as I never received a bill. I tried to contact XXXX, who charged off the account to XXXX. I never received any collection materials regarding this debt. XXXX charged the debt off to XXXX XXXX XXXX, who supposedly gave the account to the XXXX Law Firm in Arizona. When I called the law firm and spoke with XXXX XXXX on XXXX/XXXX/15, they have no records of this account. I gave them the account number that is on my credit report and my social security number and nothing came up with my owing any debt. I tried to contact XXXX, XXXX and Experian to resolve this issue, by either paying off the debt or having it removed from my credit report, but there is no way to speak with a live person at any of the bureau 's, as everything is automated and no customer service representatives are available to discuss credit disputes. I have no idea what I supposedly purchased, as no one can provide me with this information. My credit score used to be over XXXX and now it is in the XXXX 's, due to this debt, which is reported XXXX on my credit report, as XXXX charged it off to another lender, XXXX. Why do we as consumers have no other way of disputing these issues other than through the Consumer Finance.gov or by a letter being sent to these companies. The Credit Bureaus are causing a lot of damage to my credit score and I may not even be responsible for this debt. XXXX told me that the bill was returned from the post office as undeliverable. I have lived on this street for XXXX years, so I found this to be difficult to understand. I need help removing this debt from my credit report and will be sending each company a letter requesting the removal of this debt. I should be able to find out what was purchased, but no one can provide me with this information. If someone could tell me what was purchased and I did in fact purchase the item, than I would pay off the debt. I have never received any letters or calls from this Law firm, so I believe this whole reporting incident is in error. Please advise me as to what my next step should be. Thank you.

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: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I applied for an apartment and was turneddown because renters report said unlawful detainer ( landlord tenant court search ) I have never been evicted and have never been taken to court by landlord. There are XXXX names on my crefitreport that are 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 2015-06-06 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:
could not get free credit report from Experian.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I would like to know why Experian has given me a score of XXXX XXXX XXXX & XXXX XXXX consider me an excellent credit score. 
Last year I furnished all bureaus the same settlement info. Recently I applied for a credit card with XXXX and was denied because of Experian 's report? I would like to know if they have some magical process that is some how different from the other XXXX? I bothered to fix my credit only to have it remain tarnished. It appears more political than ethical when it comes to banking.

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 2015-05-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
I recently sent XXXX letters over the last XXXX months and I do not feel as though Experian has helped me the consumer at all. I even sent them proof that the XXXX account was paid in full and they have not bothered to update this account for me. I do not feel as though they have even bothered to investigate the accounts that I have questioned. They have not bothered to send me an updated credit report either.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
There are XXXX accounts that belong to my son XXXX XXXX XXXX XXXX and I am XXXX XXXX XXXX XXXX. 
XXXX XXXX # XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$70000.00}

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Someone opened up a XXXX card in my name and I am being held reliable for this. I have disputed this identity theft numerous times and the credit reporting agencys just keep updating my report. I have made phone calls ... .written letters ... etc.

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