vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-13 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX is reporting inaccurate information on my credit file. I submitted a dispute to Experian and XXXX with regards to this matter and they are still reporting inaccurate information to my credit bureaus. I do not have any obligation to pay this company. I have requested proof of this debt from this company XXXX. As of this date. I still have not received any proof that this account belong to me. I have disputed this matter over and over with Experian and XXXX and they have not deleted this inaccurate reporting from my credit file. I am asking you for assistance in getting this matter resolved.

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 — Account terms
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are XXXX hard inquires listed on my credit reports from Mortgage companies XX/XX/2015. I shopped for the best rate and terms for my Loan Refinance. I was told by these companies that these hard inquires should only be counted as XXXX and not be counted individually. These inquiries are as follows : XXXX XXXX, 2015 : XXXX XXXX, XXXX XXXX, 2015 : XXXX XXXX XXXX and XXXX XXXX, 2015 : XXXX XXXX Please review these hard inquires and make the necessary changes and corrections 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 2016-04-30 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I am filing a complaint about Experian, because they failed to provide me with the documents that they have on file, with which they used to varify accounts that I disputed. 
After 30 days Experian responded frivolously. -Section 611 ( 5 ) ( A ) of the FCRA states that credit reporting companies must " promptly delete all information which can not be varified. '' Please help with resolution to this problem. Thanks.

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 2017-01-11 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
on or about XXXX XXXX XXXX, all XXXX experian, XXXX and XXXX put a collection from XXXX collections acct XXXX, in which i recieved XXXX XXXX XXXX XXXX i provided a written dispute and validation from the collection company according to the 30 day response requirement asking for written proof regarding this acct..dated XXXX XXXX XXXX which is attached ..to this complaint.. to this date they have not provided that paperwork and according to FDCA credit reporting rules on putting this on my credit reports..that is not allowed by the collection agency to do so ... .which is a violation.i have also filed a complaint against the company.. 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 2016-06-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Someone stole my personal information and identity and opened up an unauthorized and fraudulent credit card account with XXXX. The account or debt do not belong to me. The following inquiries are unauthorized and fraudulent : XXXX, XXXX, XXXX, XXXX. I have been receiving harassing and threatening telephone calls and death threats from XXXX representatives.

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 2016-08-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I settled an account with XXXX in 2015. I have disputed it 3 times with Experian and they continue to leave the balance on the account. I have attached copies of both the check and my bank statement showing the settlement of {$810.00} last XXXX. This is a violation of my rights under federal law

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 2016-08-12 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I asked Experian to stop sharing my report without my permission and they refused

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 2016-12-27 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:
XXXX XXXX. XXXX XXXX, XXXXXXXX XXXX Experian XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXXXXXX 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 ACC # XXXX MEDICAL ACC # XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX MEDICAL ACC # XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX MISC XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXXXXXX XXXX XXXX/XXXX/XXXX XXXX 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 four 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. XX/XX/XXXXc-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 SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX 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 2017-02-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I had items in collection 3.5 years ago. They were already marked as " charged off '' or the unpaid balance set at {$0.00} as of XXXX XXXX. In XXXX of XXXX, these collection agencies started re-aging this debt to look like recent or current debt in an attempt and satisfaction to hurt my score. This is also an illegal attempt to collect a debt and is a direct violation of the Fair Credit Reporting Act. Even though these items were issued as delinquent 3.5 years ago, it 's showing as current, open balances and hurting me in every financial position in order to obtain new credit and most importantly, my dream of home ownership. I wish to have this removed and deleted immediately as misuse of the creditors ability to report on my credit report. Even after opening a dispute with Experian and the charge off date is stated as XXXX XXXX, the conclusion was still that this is active. I made no attempt to re-age this date or make any payments because I know that would restart the statue of limitations.

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 2016-01-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
Name ( XXXX XXXX XXXX ) and address of XXXX are not correct. Seems as if someone at that address might have tried to get credit card

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-14 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian locked me out of the online dispute website stating that I was disputing frivilous information, on XXXX XXXX ACCT # XXXX. Back in XX/XX/XXXX it XXXX XXXX XXXX and the first date of DELQ. was XX/XX/XXXX. As you will be able to see by looking at the XXXX examples that I have submitted for supporting documents It is n't frivilous at all it is a valid claim and I would like the tradeline removed and a new updated copy of my credit report and score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I checked my credit report and it says that I have loans out in my name but I do n't have any loans that I am aware of. I believe that I am a victim of identity theft. Furthermore, the report says I have car loans out in my name and school loans as well.

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 2015-07-02 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: FL

Complaint narrative:
I received an email from Experian that the investigation is complete and my report. isready. Unfortunately, every time I tried to log into the report Experian 's website had problems and I ca n't log into it. I emailed customer service several days ago, got another email with the comment that my report is ready and again the website is telling me : '' We 're sorry, we experienced a system problem and are unable to provide your personal credit report for online viewing at this time. You may want to try again later ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-08 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:
While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX XXXX on or about XX/XX/XXXX on Experian. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-17 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: NC

Complaint narrative:
No matter what web site I try I am unable to get my credit report or XXXX 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 non-monetary relief
Consumer complaint received 2016-07-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My legal name was not documented or mistakenly written. Instead of XXXX XXXX, they have it as XXXX XXXX XXXX. Basically, I do not have a middle initial

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 2015-03-31 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was billed {$10.00} for temporary removal of credit freeze on XXXX XXXX, 2015 by Experian Credit Bureau that never took place. The auto dealer could n't get the credit report ( he showed the locked credit report statement ). I called Experian for a refund and they said XXXX is on the way but I never received it. This time I got charged XXXX times {$10.00} transactions on my credit card ( total of {$50.00} ) on XXXX XXXX, 2015, but once again a different auto dealer could not pull the credit report. I still do n't know why I was fraudulently charged XXXX times for transaction that showed error message when I initially tried to place a temporary release via the website. I spent over XXXX hour calling XXXX different phone numbers, on three different days, talking to XXXX different people, and kept getting a run around. I have {$60.00} worth of fraudulent charges on my credit card by Experian and no one over there knows how to fix the issue. I can NOT believe government regulators are letting a credit bureau keep track of credit information when they have committed deliberate act of fraud against me and XXXX of other customers. If CFPB wants to help consumers, this is a perfect place to start with investigation of credit buearu compliance. Checking other internet websites, Experian Credit Bereau has a repution for steeling and committing fraud against innocent individuals!

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: AZ

Complaint narrative:
CFPB Complaint Experian XX/XX/2016 Reference Credit XXXX Bank XXXX. XXXX Credit Card XXXX XXXX XXXX XXXX Why does this account continue to be reported under furnisher XXXX XXXX Bank and not XXXX XXXX Bank, NA? 
Attached is my Experian Reports Experian report number XXXX dated XX/XX/2016 results of an Experian investigation show XXXX furnishers for the same account XXXX And XXXX Experian report XXXX dated XX/XX/2016 Furnisher reporting for same account XXXX Would n't the correct furnisher for this IIN or BIN number be XXXX? 
Could you please look into this? 
Thank you in advance for your time in 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 2016-04-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I have previously disputed inaccuracies on my bankruptcy # XXXX such as balances, Experian always comes back verified with no proof just name and address of court house. According to the provisions of the Fair Credit Reporting Act 609 ( a ) ( 1 ), ( 2 ). Proof should be verified physically and not through a 3rd party.

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 2015-10-30 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: NH

Complaint narrative:
There is a collection account reporting on my credit reports from a company identifying itself as XXXX XXXX XXXX for an alleged debt of {$720.00}. I have strongly disputed this alleged debt with both XXXX XXXX and the consumer reporting agencies. XXXX has sent me documentation that failed to adequately prove that I have any ownership of or liability for this alleged debt and that dispute is still being handled through other channels. Recently, however, I spoke to the consumer reporting agency Experian who has claimed to have verified this alleged debt. I spoke to a female representative in their " Special Handling '' department and demanded that I be sent the exact details of their supposed investigation as is my right under FCRA Section 611 ( 6 ) and ( 7 ). This agent told me flat-out that Experian had XXXX obligation to provide me with such information even after I quoted her the exact section of the FCRA that proves I have every right to this information AND provided her with court cases that backed up this right. Experian has refused to re-investigate this alleged debt and has also refused to provide me with the information used to verify it. This behavior violates my consumer rights and must be addressed promptly. Since I know that XXXX has so-far failed to properly verify or validate this alleged debt, it is absolutely impossible to believe that Experian has somehow managed to do just that. I demand that this illegally-reporting tradeline be permanently deleted from my consumer report or I will file suit against Experian for their willful violations of my federally-protected consumer rights.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-23 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing in relation to Experian XXXX XXXX. It 's an extension of their credit monitoring ( credit tracker ) business that connects consumers with a credit adviser. There are XXXX packages offered to consumers. The first is a free XXXX minute consultation. In the fine print of the Service Contract, however, it says the consultation is actually {$19.00}. I 've attached evidence of both, though it 's easily findable on their website as well. I think this is false and misleading advertising. I tried to register the complaint with the FTC, which deals w/Section XXXX deceptive marketing claims. But the FTC routed me to CFPB. I 'd like this to be cleared up for myself and other consumers. Those that signed up because it was advertised as FREE should not be charged. Thanks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
THIS IS NOT A DUPLICATE ... 

I have been trying to get Experian the information they are saying to be more specific about AND ... They have now locked me out of my account ... So I can not get the account numbers. I want someone from Experian to call me ASAP. How do we let people like this keep ruining peoples life 's? I Have XXXX bankruptcy on my file..Not sure how they do n't know what I 'm talking about?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-13 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XXXX XXXX, 2015, Experian charged my XXXX XXXX credit card {$59.00} for credit motoring which did not order. They got credit card information from last year when I purchased to view my credit score. I call and disputed the charge on XXXX/XXXX/2015 and they only returned {$29.00} on XXXX/XXXX/2015. 
I would like Experian to returned the full amount. 
Thanks in advance

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-19 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:
The XXXX and Experian Credit have reported collection accounts that are inaccurate in their filings. The Entries : XXXX and XXXX are not mine. I have no knowledge, accountability or have authorized any action these creditors are claiming. I have disputed these inaccuracies to no avail. According to the laws of the FCRA I have the right to dispute inaccurate information with the right to have the credit report updated accordingly. I am requesting the CFPB advocate for me in 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