vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-29 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
This was an unauthorized credit pull. I did not want their Credit card. 
XXXX XXXX in XXXX, MN pulled my credit report and caused a hard pull. I did not authorize them for a credit card pull. I was trying to get signed up for just a XXXX XXXX Rewards card. Please remove this inquiry 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 2016-05-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I satisfied a debt to XXXX XXXX ( XXXX XXXX XXXX ) in the amount of {$8500.00} on XXXX XXXX, 2014. I need Experian to remove this judgement from my credit report. This Civil Action number is 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 2015-08-13 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
On XXXX XXXX, 2015 I submitted a email to Experian at email address XXXXXXXXXXXX requesting that these services be cancelled. Due to I only wanted to complete the trial period. In reviewing my checking account information and I noticed that on XXXX XXXX, 2015 and XXXX XXXX, 2015, I was billed for monthly services after I followed their procedures on how to cancel their membership. along with submitting the cancellation request 2 weeks prior. I reached out the Experian and escalated this matter. I was advised that my funds would be credited back to my account on the next billing cycle. On XXXX/XXXX/2015, my account was credited then the amount was taken out of my checking account again on the same day. I brought this issue to the attention on the Experian support team, and I was advised that they were n't able to find my account information. In which I advised Experian that the statement was complete false due to the money was credited to my account then withdrawn again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX is doing hard inquiry on my credit and I did not authorize nor give them permission to view my reports and XXXX do not have an account with them for anything. When I call them to have them remove the inquiry and stop running my credit my number is blocked and I ca n't speak to any human nor get them on the phone. The first time it was XXXX XXXX, 2015 and the XXXX time was XXXX XXXX, 2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is the only credit bureau that has not fixed this. Reporting a past due of {$2500.00}. This is incorrect. should show {$0.00} past dueXXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-23 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 SOC SEC # XXXX DOB XXXX XXXX, FL XXXXXXXX, GA XXXXXXXXExperian Dispute Department XXXX, Texas XXXXXXXX, PA XXXX. 

I recently submitted a request for investigation of an Acct Number : XXXX # XXXX Recent balance {$2000.00} as of XX/XX/XXXX Date opened XXXX/XXXXXXXX Account number # XXXX Recent balance {$1300.00} as of XXXX/XXXX/XXXX Account number # XXXX .... 
XXXX Account number # XXXX .... 
XXXX Account number # XXXX .... 

I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX TransUnion, XXXX ( XXXX ), and XXXX, XXXX, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 

XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX, FL XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
i have disputed these items with experian more than XXXX times and they will not remove them. I HAVE NEVER HAD a deliquent XXXX case with the courts i have submitted papers from the friend of the courts showing i donot have a case there and have not had a child support case there. My student loans are also not late and i have asked for them to be updated on multiple occasions. i have also requested proof of these late payments and this XXXX case and have not received either. this is my XXXX or XXXX dispute with the bureaus with these items

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-09 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 this compliant this because Experian has ignored my request to provide me the documents that thier company has on file that was used to verify theses accounts. Being that they have gone past the 30 day mark and can not verify theses accounts, under section 611 ( 5 ) ( A ) of the FCRA- they are required to promptly delete all information which not can not be verified that have disputed. Please reslove this matter as soon as possible. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-27 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I mailed dispute letters to Experian for several items on my credit on the following dates. 
XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and yet they, Experian continues to mail me the same response, verified, Reinvestigation information, This item remained unchanged from our processing of your dispute in XXXX XXXX??? Are you kidding me? This is a huge violation or many violations according to FCRA laws written to protect me! 

If you want copy 's of each letter, I can upload those also.

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 2015-04-14 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 received an alert from Experian that I had a new account reported from University XXXX XXXX. I have no affiliation with this university. I attempted to contact the University XXXX XXXX XXXX XXXX XXXX and I was told that I was not found on their system. Then I tried to call a few more times and was told that they think they found me on their system but that they could n't provide me with information on the account because I was never a student at the University XXXX XXXX. I have tried to reach every single department possible and no one has been able to help me. They all tell me the same answers. I then contacted Experian and filed a dispute. An agent at Experian in the special services department tried to call the University XXXX XXXX and they were not able to find any information that matched me on their system. I asked if this was sufficient verbal confirmation to remove this account from my credit file and I was told it was not. I am buying a house and I need this resolved as soon as possible.

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 2015-06-29 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: OH

Complaint narrative:
Experian Credit Agency keeps sending me letters say that my information does not match ; my Social Security number does not match my name. I 've done everything in my power to prove that is does. I 've sent a copy of my Social Security Card, my photo ID, my XXXX, a utility bill with my address. I also went to Social Security Administration Building and had them verify all of my information. Social Security Department wrote a letter to Experian stating that my name matches my Social Security Number with notarizing it. And yet I 'm still receiving the same letter from Experian stating that " The Social Security number you gave us does not match the identification information in our database. ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I disputed the Foreclosure reference on my credit report in XX/XX/XXXX. Experian came back with a verified status. This was a short sale and not a FS and their coding is keeping me from getting an FHA loan. I have disputed this for almost 3 years now and it does not get resolved. They list paid in settlement in the comments but the coding shows a FS on XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
on XX/XX/2016 I checked my credit report and all my inquires was deleted, when I log on today all of my inquires were back on my 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 2015-07-14 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
it is the repeated fraud attempt from experian, like the XXXX reporting bad reviews online, those who was deceived with the XXXX $ credit report, i was deceived and subscribed, then i got a XXXX $ transaction on my credit card, and when i complained, i called the customer service supervisor over the phone and she promised to refund the XXXX $ but i have to email XXXXXXXXXXXX, i did and i got automated reply like the hundreds online saying they will not refund this money. this money were withdrawn without my approval, i subscribed for a XXXX $ credit report, why shall i pay XXXX $ for something like that. 
also i subscribed 12 days ago, if we removed the regular weekends and the XX/XX/XXXX vacation that will leave time less than the trial period that they talk about. due to the fact that i have to cancel the subscription only by phone, then i have to call on a bushiness day, then they didnot even leave me a chance to cancel it before they rib me off. so, even if i was aware of the charge, there were no way for me to block it, what if i was not even notified or aware or approved this XXXX $ charge. 
unjustified charge that i received. please process this refund ASAP. 
here is my Member # : XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-29 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have sent previous request to Experian, requesting they Delete XXXX Account Closed with inaccurate information from my file and yet they have failed to do so. 
Accordingly, I intend to show a judge that these accounts are inaccurate and that thus violated the Fair Credit Reporting Act by ignoring my requests to investigate with Correct Information. My previous request stated my reasons for Delation and these reasons were not frivolous in any way. 
If this final request does not prompt Experian to conduct a proper Delation of the account in question, and send proof to me of said Deletion, I will file a civil suit in XXXX XXXX KY for damages. I take my credit very seriously and your lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation with Deletion. I reserve the right to sue your credit bureau for violations of the FCRA and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports I request this be resolved and delated with in 5 days to avoid stalling the process further by you.. 
I anticipate your response.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I disputed a medical account on my Experian credit report XXXX/XXXX/XXXX and the account came by verified and I sent a certified letter on XX/XX/XXXX asking for verification of who they spoke with and methods used to verified and I received a credit report today stating the information is verified and remains unchanged. They did not provide me with who they spoke with or methods of verification. I contacted the hospital and I have receipt of the bill being paid and that it is not in collections. the credit reporting agency did not verify the information because the balance was paid to the hospital and the account is not in collections. if they verified the information they would not that it is incorrect and remove the collection agency from my report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I filed for chap XXXX bankruptcy in XX/XX/2014 due to medical issues. At the time of filing the arrears on my property was {$9000.00}. The mortgage lender failed to file a claim with the court and consequently, the court was not able to make any payment to them ; although I made the payments to the court as required by the terms of my plan. The arrears on my property have now risen to more than {$25000.00} ( due to the lenders negligence ). Due to ongoing medical treatment, I have made several attempts to obtain a mortgage modification and am being told by the lender that " they are not able to offer any modification that will reduce my payment to an affordable level based on my verified income ''. My problem is ; were it not for the failure of Ocwen to file a claim with the court these arrears would not have reached this level. I can not imagine an acceptable reason that the lender could not get the claim filed with the court during the course of an entire year. If not for their error, they would have received payment. The money was on file with the court and was disbursed to another creditor because of their error. The lender is now holding me accountable for their negligence ; and I am being told that there are no options for me to work out a plan to keep my home.

Company response to consumer: Closed
Consumer complaint received 2016-02-22 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Marlette Funding, LLC
State: NH

Complaint narrative:
I have a personal loan with Best Egg. I innocently forgot to pay it on XX/XX/XXXX, the due date. The very next afternoon, I started receiving robo calls EVERY HOUR nearly. This is harassing and extremely excessive. I have previously spoken to someone about this at Best Egg, yet nothing has been done. I am not months late but a day or so. I can not stand to continue receiving calls like this, especially if I am at work. No messages are ever left, it just a robot. I have since set up payment, but continue to get calls constantly, literally all day long. This HAS to stop!

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 2016-08-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My permanent mailing address changed 5 months ago. 5 months ago I verified with all my creditors that report account status of that address change. I have followed up with each one twice and they assure me they are reporting my current address. I have requested by direct communication with Experian to remove addresses which are not mine. 

MY CORRECT ADDRESS IS : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Any other addresses need to be removed. I have verified with all my creditors they are reporting my information with my current address : XXXX XXXX, XXXX, TX XXXX. 

XXXX and XXXX both updated my information with my current address, expunging any other addresses previously listed. 

Experian is the only company that will not comply, and also they have very incompetent customer service agents in XXXX, or the XXXX that do no not communicate clearly. Besides being very difficult to communicate with, they are mindless script readers who can do nothing if its not on their teleprompters.

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 2015-08-03 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:
There is a couple items which are unknown and no verification exist and they appear to be outdated also. I disputed and requested validation and nothing was provided. Please help resolve this matter. 
XXXX XXXX # XXXX XXXX account and unknownCredit XXXX # XXXX Unknown and outdated

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX account included in bankruptcy and discharged but still Reporting as derogatory. I disputed via agencies the account is deleted then re reported as derogatory. ChapterXXXX filed XX/XX/XXXX discharged XX/XX/XXXX. Account was never a charge off.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-14 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I cancelled a service XXXX 2016, I recently received my credit card statement for the month of XXXX and realized that this company billed me TWICE in the amount of {$59.00} for a service I CALLED AND VERBALLY CANCELLED TWO MONTHS PRIOR.. CALLED AND Spoke with a agent who confirmed that I have not used these services but told me that my money WILL NOT BE REFUNDED ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hi there, in XXXX of this year an unknown BK appeared on my Experian credit report that was said to have been filed in XXXX XXXX 5 years later. The claim and liability amount XXXX say 0. 
Please be advised I have asked that Experian remove this error and they have refused and request that I submit documents to support it removal. If I never filed or attempted to file a BK I would not have any paperwork. 
I can not refinance my car loan until the BK is removed. The bank is questioning me because it was never there before .... yes I know this is Experian 's error. Please help!! 

IDENTIFICATION NUMBER XXXX

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