vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-12 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: TX

Complaint narrative:
on XXXX XXXX, XXXX, someone other than me applied for an unsecured credit card from XXXX and was denied. 
I received the denial notice around the XXXX or so of XXXX and immediately called XXXX and was connected with their Fraud Department. XXXX at XXXX informed me that they would file an Initial Fraud Alert with the XXXX Credit Reporting Agencies. She was a big help and informed me of the steps that needed to be taken to investigate other possible Identity theft and Credit misuse. She also informed me that due to the fraudulent application using my personal information and the fraud alert placed on my Credit Reports that I was entitled to a free copy of my Credit Files from Experion, XXXX. 
The process in getting those reports is less than stellar and I can not get any automated telephone process to go through nor can I get my file via ANY of their websites! They all want me to pay XXXX or XXXX dollars or can not verify the information that I present during the Identity Verification steps at their site. 
MY COMPLAINT : None of the Credit Reporting Agencies have telephone numbers that will connect you with a live agent! All of the Numbers are for the automated report ordering system and they have all asked for credit cards and wanted to bill me with no option to speak with a live agent. 
My fear is that whoever applied for that card has intercepted the process and without a live agent to speak with, I can not confirm this. 
Also, XXXX of the reporting agencies asked questions about auto-loans I supposedly took out in XXXX of XXXX, asking which of XXXX possible Creditors and XXXX possible monthly payment amounts AND an Installment Account, again with XXXX choices of Creditors and XXXX possible payment amounts! This has me very afraid as I have not taken neither an auto loan or an installment/Finance account since the late XXXX 's! 
I need to resolve this and speak to a REAL PERSON! 
I am trying to rebuild my credit and it seems to me that the reporting agencies just do not care. I am totally frustrated as this is just bad customer service in an industry that is supposedly providing services that include sensitive information that dictates the consumer 's quality of life in this age of instant credit! 
EXPERIONXXXX : Your processes are not user friendly nor are they customer focused and you do not have anything that resembles Customer Service for the consumer 's affected by all the Credit Fraud and Identity Theft that is running rampant in today 's financial industry. YOU ALL XXXX! 
Sincerely, XXXX XXXX XXXX XXXX XXXX, TX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I received a credit alert that a collections company had posted information that may have been harmful to my credit report. I contacted the company ( XXXX XXXX ), but they could n't find my information. So I contacted Experian, which had notified me of the posting in the XXXX place. I disputed the information, and the posting was deleted, but XXXX incorrect addresses that I believe are the root of the problem remain on my report. I 've never lived at either of the addresses on XXXX XXXX noted in the attached document.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-12 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Experian has failed millions by not investigating disputes and simply doing what is most economical for them. Please see my attached letter. I have several accounts that are unverified that Experian has refused to follow the law in doing a proper investigation. Involving the CFBP to help me look into this matter is my last straw berfore taking legal action. XXXX and XXXX did and investigation and deleted the unverified accounts earlier this month and I 'm very confident once Experian investigates them they will do the right thing as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
For over 20 years since my divorce, I have had negative credit ratings and responsible parties are not providing accurate information. I have been denied credit and also issues that surfaced have not been properly handled. Yes, I went back to my maiden name, but still these issues followed me in an forceful means. In 2013, I finally had enough, but finding proper representation is painstaking and expensive. So other means to maintain sanity I have tried. Due to this issue, I am trying to work through, but unfortunately, it is overwhelming.

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 2016-01-07 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I usually check my credit score with my credit card companies such as XXXX card, XXXX XXXX, and XXXX banking. My discrepancy is with Experian. I had an credit score with that Co.. of XXXX. That was a month ago. I have had no major changes to my credit, ... and have never been late, ... .but my credit score has dropped XXXX points and the company Experian won '' t give me a substantial reason as to why? I have had credit for over 20 years and have never gone over half my credit limit or come close to maxing any cards. Would you please look into this and give me a reasonable explanation? I understand that Experian was hacked not too long ago, ... .could this have any bearing as to why my score dropped XXXX points in a months time.? from XXXX to a XXXX?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 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:
Disputed fraudulent accounts with Experian through their web site. Experian states they investigated and " verified '' the information and refused to delete the fraudulent accounts. For the account listed as XXXX XXXX I received a letter from XXXX stating they investigated, found in my favor, and told Experian to delete, which they have not done. The account listed as XXXX XXXX, Experian supposedly investigated shows 30 days late in XXXX XXXX, but then 60 days late in XXXX of XXXX which is obviously impossible. It also includes numerous reports of " No Data ''. The account listed as XXXX XXXX XXXX XXXX which Experian supposedly investigated show fake {$1.00} payments in XXXX, XXXX, XXXX of XXXX while the listed balance remains the same - which is obviously impossible and also does not match the date of last activity on the account. It also contains numerous listings of " No Data. '' I do n't believe Experian investigated these fraudulent accounts as they stated or how can they still have all of these inaccuracies? Experian is required to report accurate and complete information which they have failed to do, I demand these XXXX fraudulent accounts be deleted.

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 2016-02-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This compalint is about XXXX services. I discontinued by TV/Phone/Internet services with XXXX in XXXX of 2015. I had enrolled on auto debit for all payments for this service from my checking account. No one informed me that I have to pay the last amount " by check '' and that they will not auto debit from my checking account. I never received any kind of invoice or notification from XXXX stating I am to pay this amount directly by check. I was out of the country for 3 weeks and when I returned, I saw a letter from a collection company stating that I did not pay XXXX $ a and that it has been reported to the credit monitoring companies. I immediately called XXXX and made the payment. 
On checking my credit, I realized taht it shows a major diliquincy of XXXX $ on account of this payment. I called the credit companies, and they said that I need to talk with XXXX. I talked with veruizon adn they asked me to talk with the collection agency and the collection agency asked me to call XXXX back. I disputed all the charges with the credit companies and nothing worked. My credit has taken a hit because of this. XXXX credit companies, I have credit scope XXXX and XXXX I have a score of XXXX. 
I have always paid bills on time, and I feel that I was wronged here : 1. I was not notified by XXXX that I had to pay it directly and they will not debit from my bank account 2. They send the notifications while I was out of country and did not allow any grace period before informind the credit companies 3. The creidt companies were not willing to consider my case. This record will be on my history for 7 years 4. For being so methodicaly and on time with ALL my payments, I feel that a payment of XXXX $ should affect my credit in such a way ... .even with valid reasons why I did not pay on time. 
Now when I am trying to refinance my home to pay it off early - from XXXX years, I am not getting very favorable rates and teh mortgage company is saying that I only have a fair credit score. 
I plead that someone take some action on such companies who trouble consumers. Upon checking internet, I see lots of complaints regarding XXXX for the same terms.

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 2016-05-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
Experian has information from XXXX on account # XXXX that because of there misinformation has affected my credit score. On 2015 my phone was damaged. So, I changed companies than in les than 48 hours was back with XXXX always keeping the same number. On the day that my bill was closed to be due, I made a called to verify my outstanding balance ; As when i went back to XXXX was under a new account number but same cell number. I was told on a recorded line by the representative that if any balance is due will be in the same number. I made that call as I was unable to view my ebill, I was unable to get into my email as i lost the passwords.Had all passwords automatic, there are some calls to that to company that will back up this information also on a recorded line, Never received a letter or a text like they do or a call for the amount due even though the number was never changed. The phone never got disconnected, All calls are recorded so I wish this matter could be investigated because is not right i haver never missed a payment with this company, All calls are recorded concerning this cell number on both accounts as its stated at the begining of the call.

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: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is a complaint against ALL XXXX credit reporting agencies. 
I have reached out to all XXXX credit agencies ( Experian, XXXX and XXXX ). As well as contacted XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, and the original Creditor who was to finance a possible car loan, XXXX XXXX XXXX. 

No one responded to me, except Experian and XXXX. I completely disagree with all three credit bureaus as they refuse to combine the multiple inquiries from XXXX company ( XXXX XXXX XXXX ) which MUST be combined, when done within the same time frame for the XXXX company. 

This is causing me a HARD INQUIRY on my report. XXXX to be exact. These are duplicate entries that the bureaus MUST delete. I understand that XXXX and all of its affiliates may not use the same data for each credit inquiry, nonetheless, it is XXXX transaction, which was split. I request that Experian, XXXX and XXXX combine all the Auto Credit HARD Inquiries on my account. They have the same for my husbands account which is not right. 

Below is what was in the letter, sent my certified mail, a response was received last week from Experian and XXXX stating there will be no change. 

Acct XXXX : Hard Inquiry : Listed XXXX times by XXXX with different banks, dated XX/XX/XXXX and XX/XX/XXXX which should only be listed as XXXX hard inquiry. I said we were not interested any more in purchasing a vehicle and XXXX XXXX and his Manager XXXX XXXX insisted on calling every day to finance us with a used car. I have also contacted their company with no response. XXXX XXXX XXXX ( Dated : XXXX/XXXX/XXXX ) should be the only XXXX listed with the next XXXX as XXXX inquiry. Please see all the inquiries below and the date they had banks review my credit. 

XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXXXXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX, XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-27 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 was notified by XXXX XXXX that there was XXXX new account cards sent out and wanted to verify the charges. The charges were not mine and our address had been changed along with our email address. I then looked at our credit report and noticed the address of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX listed as an address of mine that is in correct. I have never lived there or do I know the person who is using this address nor my wife. Please look into this as I suspect this to be the person who made fraudulent charges on my XXXX XXXX credit cards.

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 2015-10-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I sent a letter to Experian requesting validation of an inaccurate item on my credit file. The letter included the very pertinent information as they themselves use. If Experian is not able to identify me by the very information that they are allowing an alleged collector to use in order to make a claim, how could this be considered fair credit reporting practices? 

Instead of validating the item in dispute, Experian replied with a request for unreasonable and unnecessary personal information from my personal files, such as a copy of my drivers license, utility bill, bank statement, social security number, complete spelling of my name, and addresses for the past two years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-01 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:
I have disputed the issue with the original credit reporting company and their records do not show negative accounts listed. They told me to place consumer disputes with credit bureaus. In addition XXXX credit bureaus do not show information on negative accounts, yet they are being listed again as open negative accounts through another credit bureau. I have spent much time trying to resolve these issues, so that the XXXX reporting bureaus are accurate and consistent in the information they are reporting about my credit history.

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 2015-04-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I need to file a dispute about the addresses and spousal/coapplicant information is wrong!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I disputed information on my Experian credit report and even provided fraud packets from the FTC with information confirming I was a victim of identity fraud. On my credit report there is an account for XXXX and duke energy that were fraudulently open. The credit bureau has taken no action to resolve the issue or remove the accounts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-07 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:
OnXXXX/XXXX/2015 I sent in a credit report dispute by USPS Certified Mail to Experian Dispute Department. And as of XXXX/XXXX/2015 they still have n't started my investigation into the medical collection accounts that I have no knowledge or records of the listed accounts. And since it has been past the 5 Business Days that the FRCA allots them accordingly to 611-15 U.S.C.1681i ( a ) ( 2 ) ( A ) *SEE ATTACHMENT # XXXX. I would like the XXXX trade lines for XXXX XXXX deleted or removed, and/or compensated {$1000.00} for each trade line that was not investigated in a promptly manner accordingly to the FRCA1681i ( a ) ( 2 ) ( A ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX County which is the enforcing entity for XXXX where a child support order originates is also reporting on my credit for the same child support account. This is giving me XXXX negative account reporting on my credit report for the same account. I have contacted both the credit report agencies, and child support. XXXX continues to report duplicating XXXX reporting. And oh, there both reporting incorrect information despite my attempts to correct the accounts with the accounts. Please help!

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 2016-05-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have contacted Experian numerous times asking them to remove inaccurate information that is being listed on my credit report. I have contacted them asking for them to remove different variations of my name ( XXXX names I DO NOT go by ), as well as XXXX rental houses/condos that I once lived at for a short time, as I am concerned about possible identity theft in the future. The XXXX XXXX XXXX XXXX address is basically a vacation rental building and people are coming and going quite often. The XXXX XXXX XXXX address I am concerned as my previous landlord now occupies the house and she is n't very stable. I want nothing with my name associated with her and the address on XXXX. I 've asked numerous times, like I said, but most recently I sent certified mail on XXXX XXXX # XXXX XXXX XXXX XXXX XXXX and havent received any correspondence back saying they 'll remove the items I had concerns with. 
In addition to Experian not removing old addresses and incorrect names, I requested they delete a very old tradeline that should not be reporting anymore. The account listed on my credit report as : XXXX # XXXX I am requesting a deletion as it is obsolete to still be reporting. DOFD was XXXX 2009.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Experian is the only credit report that is reporting XXXX accounts with XXXX that should not be on there. I have disputed this account with the other bureaus and it was deleted. 

XXXX - XXXX XXXX - XXXX XXXX - XXXX These accounts were not verifiable through the FCRA and not validated by the FDCPA & gt ;

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 2016-08-11 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 from my credit report that do not belong to me.

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 2015-09-01 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was sued and placed in collections with this company but the case was dismissed and placed in my favor. I disputed this account with Experian and they came back and said that the account remains. I provided my court documents in the dispute showing that the collection was dismissed in legal litigation. The report number was XXXX. Please remove the XXXX XXXX collections from my credit report.

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