vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My hard credit requests score NEEDS TO BE UPDATED as there is a two year limit and most have expired but are still listed and counting negatively against me. Please please update.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Receiving unwanted marketing/advertising
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX XXXX reported a hard inquiry to Experian Credit Bureau on XXXX/XXXX/15.

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 2016-10-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX reported a credit card under my name, It 's not my card and it 's not under my social security number. The account was under my ex-husband name and XXXX changed it to my name. I requested documents to reflecting my signature but they are unable to provide proof. I requested removing from the credit report and they told me that I 'm responsible for the balance due.

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 2016-02-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I was denied credit because the telephone number listed in my " fraud alert '' is old and incorrect. On XXXX XXXX, 2016 I disputed the incorrect phone number online and submitted the required proof of address via USPS first class mail and the phone number still did not get changed. My correct home phone number and cell phone number are included in the attachments as are the required proof of address documents. I tried uploading this information 3 times on XXXX/XXXX/2016 to Experian 's online dispute system and it would not accept it. I received a new report " correction summary '' dated XXXX/XXXX/16 from Experian last evening ( XXXX/XXXX/16 ) via USPS and it still has an invalid phone number in my " fraud alert ''. 

On XXXX/XXXX/16 XXXX, with whom I applied for credit, requested that I telephone Experian and get the invalid telephone number corrected. I could not get through to a human being at Experian and their automated system did n't seem to offer the proper options after numerous attempts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The account is listed is 9 years old. XXXX XXXX XXXX account number XXXX 
Experian refused to remove this and stated that it was due to be removed XX/XX/XXXX. This was reported XXXX and that would have to stay on my report 10 years instead of the 5 years that the rule requires. This is a flagrant violation of the rules that the other credit reporting agencies have followed. Since I disputed this my score with them has droppedXXXX points and I can only assume that they have reinserted some other accounts that have been removed. My son used to work for Experian and was told to put calls from the FTC on hold for XXXX minutes and then disconnect. According to the rules I can force anyone to disregard Experian and if they do n't I can report them too. Experian wo n't release my updated report unless I give them almost 40 dollars. They just XXXX off a XXXX veteran, XXXX, and a XXXX with an XXXX of XXXX. At this point they are on the verge of reaping a whirlwind. Their legal problems are going to dwarf whatever bribe they are receiving from XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XXXX XXXX and XXXX someone made several transactions using my sons account that I am listed as a co-owner of. There was a {$500.00} cash deposit, followed by visits to XXXX Wells Fargo offices in XXXX XXXX and XXXX all within XXXX minutes of each other to cash checks. The majority of those funds were received as cash back with the rest being deposited into the account. 

The transactions are as follows : XXXX XXXX {$500.00} cash deposit at Wells Fargo XXXX XXXX XXXX XXXX {$620.00} check deposit with {$490.00} cash back Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX GA at XXXX {$610.00} check deposit with {$490.00} cash back Wells Fargo XXXX XXXX XXXX GA at XXXX {$620.00} Check deposit with {$490.00} cash back at Wells Fargo XXXX XXXX XXXX XXXX GA @ XXXX {$610.00} Check deposit with {$490.00} cash back at Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX GA @ XXXX {$650.00} Check deposit with {$490.00} cash back at Wells Fargo XXXX XXXX XXXX XXXX GA @ XXXX {$650.00} Cash deposit with {$490.00} XXXX XXXX XXXX XXXX XXXX GA at XXXX {$300.00} withdrawal at NON- wells Fargo ATM at XXXX XXXX XXXX XXXX GAAnd on XXXX XXXX, {$300.00} withdrawal at Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX GAMy son and I requested a fraud investigation with Wells Fargo that they have closed ever after admitting that it was not my son at surveillance making these transactions. They closed the ( ATM ) case previously after comparing surveillance for XXXX transaction I reported against a second transaction I reported concluding that the pictures matched. I was told that case was being reopened but I can not find any evidence that it was actually reopened. The ( edeposit ) case was simply closed because his ( reported ) debit card and PIN were used to make the fraudulent transactions. After speaking with a supervisor, I was told that it was going to be given a second look and called back ~ XXXX hours later with the news that it was being closed again. The reason I was given was because they had picture/video of someone other than my son making a authorized transaction ( {$50.00} deposit ) on XXXX XXXX. Thereby, essentially giving up his rights to claim fraud.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-31 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I mailed a letter to Experian in XXXX 2016, disputing several accounts. As of today 's date, I have yet to receive the investigation results. I also tried to go online with Experian.com to review my credit report however I was unable to obtain a copy of it though they were able to pull up the report after being provided the exact information I entered online. I have contacted Experian today and spoke with the special handlings department who confirmed they never sent the results out. I advised they are now in violation of FCRA and need to remove all accounts that were on my initial request. The representative I spoke with XXXX XXXX XXXX stated she could only put in a complaint about the failure to send out the results. I immediately asked to speak with a supervisor to get an immediate resolution to the problem since this is going into the XXXX month that they have n't since this information out to me. I spoke with XXXX ( Supervisor ), who advised the only thing they can do to correct this problem is to mail out a new report to me. I advised that this is unacceptable as they never sent the original XXXX and I am well within my rights to expect their process & procedure to be followed as it relates to disputes.

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 2016-01-29 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Switched from XXXX XXXX back to XXXX XXXX XXXX. At the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida was told by the store agent that no credit report would be required because I was with XXXX XXXX XXXX for 10 plus years prior to switching to XXXX for only one year. This all took place on XXXX XXXX, 2015 on XXXX XXXX, 2015 I received a credit alert from XXXX and XXXX XXXX XXXX did in fact request a full credit report not a soft inquiry and this action was against what I was told! I complained to the store on XXXX occasions XXXX occasion with XXXX the store manager and no help from them! I called the Office Of The President and spoke to a XXXX XXXX ( XXXX ) XXXX she took my complaint and stated she would call me back within 72 hours which she did not! I called her on XXXX separate occasions and left her my name and number to return my call reference my complaint and as of today have not received any contact from her! It appears that XXXX XXXX XXXX feels that the can mislead and be deceitful to the public and this does not sit well with me that 's the reason for this complaint! I am very careful and watchful of my credit and with this unauthorized action by XXXX XXXX XXXX has cost me XXXX points off my credit score and additionally remains on my credit file for 24 months from date of inquiry! My resolution requested is to remove this credit report requested by XXXX XXXX XXXX and they be held accountable for being deceptive to me and most likely many others to gain business!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-09 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Late XXXX or early XXXX I opened an Experian account to monitor or credit score as we were preparing to buy a home. Once we purchased our home in XXXX XXXX shortly after we canceled all credit monitoring accounts, end of XXXX XXXX at the latest. Unbeknownst to me, each month for the past XXXX months Experian has been charging my checking account {$17.00} a month. As a small number the activity went unnoticed. 

XXXX/XXXX/XXXX I called Experian to discuss the situation to which they now finally cancelled the account and stated that they never received such information to cancel the account. I asked the rep/supervisor to review the activity to verify when the last time the account was accessed, to which he stated XXXX. And as I asked him, why would I pay for a service and not use it over the past XXXX years? Because the assumption was made that the account was canceled. 

For what it 's worth, I remember vividly canceling said account - the amount hurdles one must cross to pinpoint the process to cancel account is ridiculous. Even at present day, there are no clear indicators on how to cancel your account without doing site search. 

The resolution of the call with the Experian supervisor was a canceling of the account and 1-month reimbursement. While recouping last 's month charge is nice, but it 's certainly laughable in the grand scheme of things when you 're looking roughly {$450.00} worth of total charges. 

To sum up my XXXX issues with Experian:1 ) Them dismissing my cancellation2 ) Inability for consumers to easily pinpoint how to cancel an account. all over the site XXXX can sign-up but canceling is much more complex. It 'd be nice if a policy was sort-of set like email subscriptions, publishers must provide an easy to access un-subscribe function

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is reporting incorrect information in violation of the Fair Credit Reporting Act. I received XXXX " XXXX '' forms from XXXX for XXXX credit card accounts. This was treated as income to me and I paid taxes on it. XXXX 's use of the XXXX form means what is says : the debt is cancelled. Period. XXXX is continuing to report these balances as not only due, but past due. They claim they are permitted by Experian to do this. I have found no rules or guidance agreeing with this posture. This practice is an abuse of the credit reporting system and must be stopped.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have contacted Experian on several occasions asking for them to validate that XXXX debts are LEGALLY entered on my credit report. I have personally contacted these XXXX companies and asked them to present me with a contract that states that I owe them money or that I am legally obligated to pay them. Per the Fair Debt Collection Practices Act, 15 U.S. Code 1681, Fair Credit Reporting Act section 623 ( a ) ( 1b ) and section 623 ( b2 ) this company must be able to present a contract between themselves and me in order for them to report on my credit. They have been able to produce no such agreement. They are illegally listing entries on my credit reports. Experian is complicit in allowing this. Each time I ask Experian to validate these debts they simply come back as " verified ''. I am not sure how this is as I have contacted these companies personally on multiple occasions asking for proof that I have an agreement to pay them and they have not been able to offer it. What is the method being used to " verify ''? 

These companies are : 1 ) XXXX XXXX - provided a contract from a third party that I could not verify, however there is no agreement between myself and XXXX XXXX. I do not owe them any monies. 
2 ) XXXX 3 ) XXXX XXXX Bank ( 4 ) XXXX XXXX It was advised that I try to have this issue resolved though the mediation of the CFPB before I filed suit in state court seeking remuneration for several things including but not limited to : Violations of the FCRA and defamation of character. I have lost opportunities due to this illegally reported information remaining on my credit profiles.

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 2015-04-07 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: NV

Complaint narrative:
In XXXX 2015 I requested my annual free credit reports, sent in a copy of my driver 's license and social security card but have only received a copy of my credit report from Equifax last week. I sent XXXX emails but have not received credit reports from XXXX and XXXX. 
Equifax continues to add several addresses that are incorrect ( lived at the same address for the past 26 years ) to my report, account numbers and year acct open have been changed and information over nine years remain on my report. This is the same complaint I filed against all three bureaus but still experiencing the same problems today.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I XXXX XXXX do not owe XXXX I paid them Before account went into collection I am attaching my payment receipt and I would like XXXX removed from my Experian credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have ask them to remove XXXX XXXX XXXX that was open XX/XX/XXXX that is is BEYOND STATUTE and they it have be their until XX/XX/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 2017-02-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
XXXX are accusing me of a medical debt that was paid by insurance. I was never given instruction that I would be charged, or that my insurance was not accepted, or that I would owe anything outside of what the insurance company already paid. I also have never received any written communication of any documents that I have signed regarding this and was never contacted stating that I owe any amounts of money.

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 2016-01-27 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK
State: AZ

Complaint narrative:
Yesterday I called Discover Financial to activate my mother 's supplementary card, but was informed that it was cancelled since I did not provided some information regarding her. I have been a Discover card member for close to 8 years, and my mother has had a supplementary card for several years also. 

I have XXXX issues with this:1 ) I or my mother never received any type of notification on this regard. Not by email, letter or pop-up on the website.2 ) I informed that my mother does not live in the US , when the card was originally issues, an therefore does not have a social security number. The agent mentioned that she could n't do anything on this regard and therefore could not give my Mother a plastic. Due to this experience, I will cancel my credit card with you once the current charges are paid. First of all, I am really concerned that my credit card company could not reach me on this regard, and lied to me on the topic. I did not received any information on this regard, even if it was addressed to my mother 's name. 

Secondly, my mother has a supplementary card for other US based financial institutions. I have received similar requests from their part, and I have explained the situation and the necessary steps were taken to ensure that my mother could continue to use her card. I understand the need for additional security, but not having an alternative to accommodate for this situations is unacceptable. 

I was happy to provide any additional information or documentation regarding my mother, but you policies clearly do n't have the vision to provide reasonable accommodations in your " know your customer '' policies. This is clearly a discriminatory lending practice based on a national origin. If my mother lived in XXXX, a place where their government issues these numbers, would Discover have an issue with it? Discover stated on an email, that they request this to everyone, but do they do they validate if a XXXX number is used?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I had a judgment against myself in the original amount of {$670.00}, through XXXX County Superior Court. Over time, this judgment incurred interest, in which I agreed to settle on a total amount of {$1700.00}, with a one time payment. This payment was made via XXXX Bank Personal Check, No. XXXX, on XXXX/XXXX/15, in the amount of {$1700.00}. 

I never received a receipt from XXXX County Superior Court, so I do n't have one to furnish, but I have attached a copy of the payment. The rest of the information I have on the judgment is as follows : Payment Date : XXXX/XXXX/15 Check No. : XXXX Amount : {$1700.00} Bank : XXXX Bank Address ID No. : XXXX - Experian Identification No. : XXXX - Experian XXXX ID No. : XXXX This judgment is showing up on both my Experian and XXXX Credit Report. Had I not have just started a Home Loan, I would have never known about it. This is affecting myself and my family more so due to my Credit Score being affected by an estimated XXXX points, while being in the middle of underwriting a Home Loan. 

I have submitted disputes with both Experian and XXXX, as well as submitted a compliant to the XXXX, along with your Bureau. Please let me know if there 's anything I can do to help move this along as quickly as possible, the difference in Interest Rates will cost me thousands, upon thousands of dollars if I do n't get this taken care of. 

Thank you for your time, I appreciate your help. 

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 explanation
Consumer complaint received 2017-01-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have notified Experian that this account is either inaccurately status or do not belong to me. I would like for you to help me to get this matter resolved. This account is not a charge off account. Please removed this account from my credit file.

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 2016-07-19 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian is violating Section 609 ( a ) ( 1 ) ( A ) Accounts posted on my credit report without verifications of signed consumer contracts. 
UNDER FCRA, unverified accounts must be removed unless copies of verified proof is provided.

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