vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-02 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: NE

Complaint narrative:
Credit report not made available online, after completely filling in information online site. Site says my report not available and takes me to mail application ( which requires time and money for stamp, envelope, and mailing - NOT FREE. Must mail an application and wait 15 days - I need report now to monitor credit, not weeks later!!! No explanation why online report not made available. 
Secondly, security id questions are vague and difficult to answer. For example : 1 ) Street you have lived on in past : Offers street name for residential property I own, but not necessarily where I have lived. 2 ) Asks for mortgage closed lender from over 3years ago : I have more than one and its been over three years ago. Must I find my records to answer? 3 ) Asked for closing lender on a vehicle from 2008 over 8 years ago. These are questions I could answer IF I had my credit report, a chicken and egg process going on here!! 
Disappointed-formerly this was a couple of minutes process to get credit report and view online.

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 2015-06-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I 've repeatedly told XXXX XXXX XXXX, XXXX XXXX, XXXX, and now XXXX, that the delinquent student loan document # XXXX is not mine. I did not fill out the loan documents nor did I sign them. This student loan is for XXXX XXXX. I did not attend XXXX. I 've reported to all XXXX credit bureaus that this is not a valid loan and shown proof of signature verified by an XXXX XXXX here in XXXX XXXX. Someone created this loan in my name and XXXX will not wish to recognize my argument. I 've repeatedly have been denied credit for home refinancing and purchase because of these false derogatories. IT ISNT RIGHT THAT I SHOULD SUFFER BECAUSE OF XXXX 'S CARELESSNESS IN LOAN PROCESSING! Frustrated, I have on retainer XXXX XXXX Attorney XXXX XXXX XXXX number XXXX. Feel free to contact me at XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I 've sent Experian XXXX letters with a full consumer statement regarding fraud that occured on my credit report. They stated on the last complaint response that they would " verify '' the public record. I have not received anything. This is keeping us from getting a home. See attached Department of Justice report ( end of attachment ), fraud affidavit, and certified receipts. 

It 's upsetting that the Experian takes advantage of consumers by leaving accounts on credit reports just so they can make more money on negative reporting. 

Thank you for your help to get this resolved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2016 I sent a letter to XXXX, disputing a alleged account that I do not recognize. The amount was for {$880.00}. Today is now XX/XX/2016 and I have yet to get a response from them disputing my letter. This is in violation of the law for fair reporting. They have taken more than 30 days to furnish proof that the account is mine.

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 2016-03-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
There is a lot of inacirate data still on my report, XXXX XXXX had another company come after me and I sued them and we settled out of court. This should not be on my report anymore because of the settlement, XXXX funding was a company that I sued under the FDCPA and settled out of court and this needs to be removed, I signed an agreement stating that I would not show the settlement to anyone. XXXX XXXX XXXX hired XXXX XXXX and they should be removed because of settlement terms, I have never had a XXXX XXXX account, portfolio recovery has never shown me proof that I owe something, never had a reeds jewlers account nor have I been shown any proof, and any other items on my dispute list are not my accounts not have I been shown defenative proof. I am unable to send settlement documents because of a signed agreement but XXXX XXXX XXXX, XXXX, and XXXX XXXX all need to be removed due to settlements. All other disputed items, I have been shown no signed documents. The credit agency is supposed to remove incorrect information and has refused to do so.

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 2015-06-11 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 have contacted Experian via phone, letter, and through its website dispute process. I was a victime of identity thieft with a credit card company call XXXX XXXX XXXX. I filed a FTC report and submitted several affidavits.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I had been wrongfully billed from a hospital because of failur of service at an emergency room. We had to go back to the emergency room for the same service the following day and disputed the bill with the hospital. The hospital then gave the outstanding bill to a collection agency. The hospital closed the account and the collection agency was informed but proceeded to to report it on my credit report instead of closing it on their end. Accoriding to Experian the account was closed from the collections agency but my credit has not gone up since the results.

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: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
After identity theft occurred ( and a police report was filed ) we placed a " Fraud Alert '' with the XXXX credit reporting agencies, and ordered credit reports to see what information was in them. EXPERIAN THEN MAILED OUR CREDIT REPORT TO THE IDENTITY THIEF 'S ADDRESS INSTEAD OF OUR CORRECT ADDRESS! THE THIEVES NOW HAVE ALL OF OUR ACCOUNTS AND PERSONAL INFORMATION! WE JUST CALLED EXPERIAN, AND THEY ARE VERY SORRY, BUT CAN NOT DO ANYTHING ABOUT IT! THEY NEED TO BE PUNISHED! SORRY IS NOT ENOUGH!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have a paid state tax lien on my Experian credit report that should be removed. Attached is a letter from the State of Georgia with explicit instructions to cancel from record. Please remove this entry from my Experian credit report to adhere to the Fair Credit Reporting Act.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have disputed the reporting of XXXX XXXX {$900.00} several times because I am paying XXXX XXXX XXXX every month and have payment arrangements set up with them. How is XXXX XXXX reporting this balance when I am paying the hospital? Is this an FCRA violation? The balance is wrong and they are not who I pay. I am uploading the original bill so that you can see that it is for {$900.00} with 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 2015-04-16 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
At the recommendation of my employer as part of a background check, I ordered a credit report from Experian. I was notified at the time I ordered the report that I would be charged {$1.00} for the report. After ordering the report, I was instructed that I had signed up for a 7 day trial and would be charged $ XXXX automatically if I failed to cancel the membership within 7 days. I then proceeded to view my credit score just to ensure that it was at an acceptable level, and proceeding to fill out the rest of my job application did nothing further on Experian. I received no further communication from Experian regarding my membership, though they had my email address on file. It was not until I saw a {$22.00} charge on my credit card this month that I realized I was being charged for a membership. I immediately called the company and explained I had never utilized the services other than looking at my score when I XXXX signed up for the service, that I felt some sort of a notification that my trial membership was expiring should have been provided to me, and requested a refund. They said because I was notified at the time I signed up for the account that I would be charged a $ 22 monthly fee for failure to cancel, they would not issue a refund. In fact, they tried to convince me to sign up for further services at a discounted rate, though I made it clear I had no intent of using the services further, given that I have thousands of dollars in student debt and could n't afford to pay the {$22.00} charge for one month, let alone continue paying for a service I had no intent to use on a regular basis. All in all, I felt that the customer service response I received was poor, and that the business practices failed to adequately warn consumers of the charges that they would incur as a result of using the Experian services. As the attached screenshot shows, the initial screen to order the report only says that there is a {$1.00} charge to order the report ; the $ XXXX membership fee is only mentioned in small print at the bottom of the XXXX page of the order. I admit that in my rush to complete the documentation for my job, I neglected to remember to cancel my membership at a later time ; but my concern is that less sophisticated consumers than myself will be taken advantage of and not realize the costs they are incurring in merely checking their credit report. Had I known about the existence of annualcreditreport.com at the time, I would have certainly just gone straight there.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Begin investigation on the following : date of last activity, account number, and account name. There is a possibility this information may be inaccurate. This must be removed immediately. I also think that this belongs to a person with a similar name as mine. It has not been investigated properly. 

XXXX XXXX XXXX I am requesting investigation of the account name, opening date, and date of last activity. This information seems to be misleading. Immediate removal of this item is greatly appreciated. 

State Tax Lien XXXX Can you please review the amount, docket number, court name and type of public record I believe it violates the FCRA. Please remove this public record for violating the Fair Credit Reporting Act. See documentation where this is an invalid lien on my credit report from the Georgia Department of Revenue.

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 2016-12-21 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:
I received my Experian dispute results ( Report no. XXXX ), and the credit bureau claims it 'verified ' a trade line identified as XXXX # XXXX '. There are a few problems that need to be rectified : 1 ) Method of Verification letter sent to Experian - received on XX/XX/2016. 
2 ) Dispute results issued did not address HOW the credit bureau 'investigated ' the items disputed. 
3 ) XXXX XXXX account disputed via CFPB Complaint No. XXXX and FACTA request received by XXXX XXXX ( XXXX ) on XX/XX/2016. 
4 ) XXXX XXXX ( XXXX ) HAS NOT responded to the FACTA request. Demand was made for the production of the contract for debt I, as consumer, allegedly signed. As XXXX XXXX FAILED TO PRODUCE a contract for debt per the time frame allowed, FCRA mandates deletion of this line item.

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 2016-06-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
After not being able to get free credit report because the sight was down I was able to get my report by paying for it. Experian is making it very difficult to get report with out paying for it. I paid for a report because after XXXX dispute letters sent via certified mail they only responded 1 time and the accounts came back verified. They never reinvestigated or provided verification or method of verification despite several written and received requests. There are no account numbers on the report : The report has no number but it was pulled and printed XX/XX/XXXX These are wrong These accounts need to be deleted : XXXX XXXX XXXX accounts???? delete all of them XXXX XXXX XXXX accounts?? delete 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 2016-08-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is currently reporting inaccuracies in my credit report. There are XXXX student loan accounts that were never late and they continue to add more that all have the same account number but are reporting incorrectly. According to FTC opinion on the FCRA Sec. 623 ( a ) ( 2 ) of the Fair Credit Reporting Act requires a furnisher of information to provide corrected or updated information to all of the consumer reporting agencies ( credit bureaus ) to which it was originally reported, regardless of the fact that the information was accurate when originally reported. Also under the Higher Education Act ( HEA ) Updating and correcting previously reported information includes removing default history after a borrower successfully rehabilitates, as required by Sec. 464 ( h ) of the HEA, as well as correcting a reported delinquency to reflect the application of a retroactive deferment and forbearance that ultimately converted the original period of delinquency into a period when no payment was due. I have letter from the original furnisher showing that my account was indeed in forbearance from XXXX which is when these late are showing incorrectly on my credit report. Instead of fixing these errors Experian has taken more than the allotted time and has added closed accounts with the same account number with no clear reporting of these accounts. Also I the other inaccuracies that are not being properly investigated and shown proof under FCRA laws that show me the validity of these accounts that I have asked for many times now I the investigation is taking longer than the timeframe given by law. Experian continues to report inaccurate personal information that when I call they assure me that it has deleted but when I get the updated report it continues to show up when they tell me it has been deleted. If Experian continues to disregard my dispute and FCRA, FTC and HEA laws set in place then I will be forced to file suit after exhausting all options to rectify this issue. They are bound by these laws set in place so follow the law. This is also through my own due diligence so I do n't need to get a response that questions my intelligence to writing this as this is my own verbiage any stall tactics will be recorded and dully noted.

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 2015-12-08 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Nelson Cruz & Associates LLC
State: KS

Complaint narrative:
Company calling on behalf of a law firm XXXX ... or something like that.. but they wont give out their company 's name ... they are stating they are not a collection agency. They have called 3rd party family members multiple times telling them they will put a lien on our house.They say they are n't violating fair debt act because they are not a collection agency. They are harrassing us and our family though.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have a number of accounts that do not belong to me these accounts were opened fraudulently using my stolen idenity their was an address which was also fraudulently used and that is XXXX XXXX XXXX XXXX, NC XXXX are the accounts that are fraudulent Account XXXX XXXX XXXX XXXX XXXX / XXXX XXXX / XXXX # XXXX / XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX / XXXX XXXX / XXXX XXXX / XXXX XXXX XXXX XXXX / XXXX XXXX /XXXX XXXX / XXXX consultant XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
As of today, XX/XX/XXXX I have XXXX inquires that I " DID NOT '' initiate. The inquiries are on all three credit bureaus reports. I have not applied for any credit since XX/XX/XXXX. My credit reports should be free of inquiries.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I tried to apply for credit, it turns out that Experian has wrong Social Security number on file for me, as a result I was denied credit, it was for my studies, now I can ca n't continue my education because of somebody else 's carelessness. My future is in lined to my credit report and i an really upset to such carelessness from Experian.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian is, in my opinion, ruining my credit report on purpose. I am amazed at how inept they are being about fixing their own mistakes. I have sent them XXXX letters so far, highlighting exactly what was wrong and what they needed to fix and they have been responding with ludicrous statements basically telling me that I am the one who is wrong! I AM REALLY HOPING YOU CAN HELP ME! Here are my main concerns : 1. there are several accounts that were included in my chapter XXXX bankruptcy that are still showing late payment history AND BALANCES! CAN YOU BELIEVE THAT!?? 

2. Several accounts are reporting past due statuses when they are supposed to be current or are paid completely. 

3. I do n't believe that a proper investigation was done on some accounts that are showing late payments and I believe them to be errors and the late payments should be removed.

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 2015-12-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Judgment was settled and dismissed ..never should have been placed on credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation