vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I paid XXXX bills off that was not mine to get it off my credit report. XXXX was issued XXXX XXXX Deletion Control numbers. XXXX bill for {$170.00} for XXXX XXXX was paid off. Other bill for {$550.00} for XXXX XXXX was also deleted by XXXX same day as the {$170.00} ca n't get Experian to remove the one for {$550.00}. Proof of payment and deletions made by collection company are attached.

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 2015-09-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I continue to be harassed by XXXX XXXX. They are still attempting to collect a debt ( shown as open collection on my report ) despite numerous disputes. At last they sold the account to XXXX, XXXX XXXX XXXX XXXX when they/I requested information to prove the collections was legitimate the recalled the account from XXXX, XXXX XXXX. instead of providing proof. The account was closed by XXXX XXXX XXXX, 2006 after I paid a court mandated judgment. Somehow XXXX had reopened the account and I paid on the so called debt further due to the harassment. I have contacted XXXX both in letter and by phone, notified all credit agencies and the " collection '' still shows active on my report. Please let me know how this can be removed once and for all ... .I do not owe this debt!?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-27 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:
On XXXX/XXXX/17 I disputed an erroneous account appearing on my credit report ( see CFPB case # XXXX. The line item is # XXXX pertaining to Idaho XXXX. Idaho XXXX failed to reply after 60 days. Due to their failure to respond within the 30 day period set forth by federal regulations, This item must be immediately and permanently deleted 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 non-monetary relief
Consumer complaint received 2015-09-07 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:
On XXXX I got my yearly free credit report from all XXXX credit reporting agencies. On XXXX, I went online to dispute some information. Experian website says that when you get your free credit report, it is available online for 30 days. I was able to log on and dispute some items I noticed. However, I noticed that there was a fraud alert placed on my account on XXXX, which I never placed on that date, considering that 's the first time I viewed my report thoroughly. However, I did place a permanent fraud alert last year, and since then, I have had over XXXX hard inquiries on my credit report that I did not authorize, and many, many accounts opened in my name. Experian wo n't let me dispute the inquiries, and tells me to call a number, where I get an automated response, with no option to speak to a real person. I logged off the website, because I was at work when I did this, and tried to log back in about 2 hours later. Lo and behold, they could not find me in their system, and it stated that I had to " Send the letter provided below so that we can accurately identify you are really who you say you are ''. This is absolutely ridiculous. Also, I have over XXXX hard inquiries on my report from Experian themselves. Since when does a credit reporting agency pull a hard inquiry, when they have access to everything anyway? No wonder my credit score from this company is so low. They 're lowering my credit score by pulling hard inquiries that I did n't authorize, over and over and over again. I 'm also extremely upset that they have allowed so many inquiries to go on my report when I placed a permanent fraud alert a year ago. Of course, I do n't have any documents to upload, because they wo n't let me into my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I am currently paying mostly interest on an XXXX loan. I am being crushed. I am also told by Navient that I am not eligible for any kind of feasible repayment plan. I am unable to even make a dent with the affordable payment that I am currently enrolled for, as all I am paying is interest. No one on the phone seems to be able to help, or listen. They just keep repeating the same canned information and offering me a payment that is way too high for what I can afford. It also seems convenient that my largest loan amounts have the highest interest rate. 

Because of my husband 's income, I am not eligible for any forgiveness, but he spends his paycheck making up for the deficit that is caused by these enormous payments, that do n't make any difference, other than filling Navient 's pockets. And I work mainly in non-profit and XXXX in Michigan, where I struggle to find full-time work, as there are significant economic problems within the state itself, so most of my meager nonprofit or XXXX paycheck goes toward paying the interest on these loans. 

I was severely unemployed for several years, due to the country 's economic downturn, and relocation, and I am currently paying interest for the country 's mistakes. Meanwhile my debt goes nowhere. I am sure that pleases Navient, and understand that I am most likely wasting my time contacting them, or fighting this issue, but wanted to make an effort before moving beyond to either filing for bankruptcy, or other measures to resolve this issue. 

I understand that I took out these loans, and I understand that I need to pay them back, which is why I signed the agreement. I did not agree to be unemployed, and underemployed for several years. That was not my choice. And because I was not technically on unemployment, because I chose to not be a drain on the government resources, and work part-time, minimum wage jobs to survive, I am being punished. I could not have anything waived, because I was working part-time, but the interest kept accruing. I have been gainfully employed for a few years now, luckily, but I am being literally crushed by the interest on these loans. I lie awake at night worrying about this, forcing myself to resign to the fact that I will be paying Navient 's interest for the rest of my life ( and I am XXXX now ). I know many people that have already thrown up their hands and just stopped paying, but I choose to be responsible, and know that I signed on to borrow the money, which is why I am still paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-22 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I have a credit freeze in place but Experian provided XXXX XXXX XXXX access to and a copy of my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 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:
Experian credit reporting. I disputed all the items on credit report. I got all the items disputed and investigated. They were deleted off of my credit report. But Experian placed the items back on my credit report. I was not notified of the reinsertion of the items. And the inquiries I did not authorize. I never heard of them.

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 2015-07-21 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was trying to check my credit report because I was worried about identity theft ( i had just had one of my credit cards compromised, and copied XXXX. For whatever reason I used Experian -- I guess because they came up high in search results. They tell you it costs {$1.00} to check your credit report, but what I later found out is that they automatically enroll you in a {$23.00} a month credit monitoring service if you use this {$1.00} registration option. I am pretty adept at spotting online trickery when enrolling in things, and never suspected that a company that has my social security number, and maintains massive databases of credit records, would have one of the most deceptive and fraudulent registration forms I have come across in some time. I was unknowingly enrolled in this program, and only noticed after they 'd charged my credit card XXXX twice ). They are refusing to refund all of my money, because they say that I " knowingly '' signed up for their service. Because I called on the day they charged the second payment, they said they could remove that payment, but not the first charge the made a month previous. After XXXX this deceptive practice, you get a lot of results on consumer complaints website about many people being scammed by this. XXXXThere is no way its acceptable for any company to do this kind of deceptive marketing, especially from a credit reporting bureau, who has people coming to its site because they are nervous about identity theft, or any host of other personal credit issues. They should be forced to stop this practice immediately, return all injured parties monies, and seriously investigated to see if this is the kind of company XXXX can trust with holding their social security and personal credit information in online databases. 

I would have attached screen shots of their registration process, but their " fine print '' is below the fold. And in the space where they display the pricing information, they say nothing at all about enrolling you in a program that costs additional money down the road ( you have to scroll all the way to the bottom and read a dense paragraph to figure this out ). Just go to their website XXXX experian.com XXXX and go through the two screens of entering information for your " {$1.00} credit report '' to see what I mean. 

I also called them, and after they deflected my attempts to get a full refund, a manager finally referred me to an email address for customer service request. I 've attached my email correspondence with their " customer service '' reps, which was unsuccessful at any further resolution. 

Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-16 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I submitted a dispute letter to Experian dated XXXX/XXXX/15. I then received a reply from them dated XXXX/XXXX/15 stating that they think my letter is " suspicious '' and is coming from a XXXX party. I am disputing this account on my own, and even signed the letter and sent it certified mail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2017-01-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have disputed these issues so many times and still no outcome, first I am a man, my last name does n't change Experian has XXXX names on my credit file that are NOT mine which are XXXX XXXX XXXX and XXXX XXXX My name is XXXX XXXX XXXX, there are so many business inquires listed on my personal credit file. When I apply I use my XXXX so they should not be listed on my personal credit file. Experian has never once investigated my complaint. 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 explanation
Consumer complaint received 2016-07-11 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: FL

Complaint narrative:
This is happening with alarming frequency with XXXX of the credit report bureaus : they simply refuse to show my credit report online when it 's time for my free check-in ( I keep them on a rotating schedule in my calendar, so I know when it 's been a year since each report ). THis time is Experian ( XXXX is the other frequent refuser ) Instead, they suggest I fill in a very long form, attach many documents and send in a snail mailed request. I am sure this would not happen if I was willing to pay for 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 non-monetary relief
Consumer complaint received 2016-11-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
most of the personal information on my report does not belong to me, addreses..n listed are totally unfamiliar to me my credit report is full of innacuracies to many to list here, please investigated all the addresses listed in my report as the greatt t mayoroty the not belong to me and is afecting my score, thank you for any you can provide. 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 2016-07-19 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 do n't have any clue of what or who this is.We can go to court on this matter.Highly disgusted with people who stalk consumers for their benefits illegally. Because you can assure You and I we know it 's not an accident. Fight Online Stalkers!

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 2016-06-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Statebridge Company
State: PA

Complaint narrative:
In XX/XX/XXXX My husband and I separated. I kept the house with the XXXX kids and was working part time ( could n't afford house payments at that time ) but got a full time position with the same company fairly quickly. I asked for a loan modification back in XX/XX/XXXX. After a year, could not come to an agreement. XXXX then sold the loan to Statebridge. In XXXX XXXX, I went to a housing counselor to help with a loan modification. Statebridge kept losing my paperwork over and over again. Every 6 months I had been submitting paperwork, only for it to be lost. Fast forward to XXXX XXXX, XXXX. We had finally come to an agreement of a loan modification via phone conference in the Court of Common Pleas Of XXXX County Pa between Myself, XXXX ( My counselor ), mediator, investor and a member of XXXX XXXX XXXX XXXX XXXX ( for investor ) and I accepted those terms on XXXX XXXX XXXX with an acceptance letter that was faxed to Statebridge, XXXX and XXXX & XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX we had modification meetings and was told at each meeting that the loan modification was still being drawn up, no issues presented at any of these meetings, I was told congratulations. On XXXX XXXX XXXX, I received the loan modification in the mail and the monthly payments was a different amount of what we agreed on. The agreed amount was {$1400.00} per month, it jumped to {$1600.00}. I had emailed Statebridge and asked them why it had gone up and that I could n't afford those payments. The response from Statebridge " Unfortunately the terms sent was what the investor on your loan approved. '' They wanted the payment made on XXXX XXXX XXXX, but I had to talk to my housing counselor about why the loan payment was different than what was agreed on and according to their lawyer on our XXXX XXXX meeting, they did n't want to accept any offers that I extended. They were done and told that there is nothing that I can do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-08 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
A few months ago I requested my credit report from Experian. I got back this letter from them telling me that they received something that looked like fraud. I did n't get a chance to call them right away and I honestly thought it was some kind of mistake so I just went online and got my report from some website instead. 
I ended up filing some disputes because there was incorrect and incomplete information on my credit report. So I prepared a nice letter and sent it with a copy of my driver 's license, proof of my social security number and proof of my mailing address so that Experian would be able to verify my identity. 
It has been at least XXXX months since I mailed my letter and I have n't heard back. When I try calling their XXXX number they want a report number before I speak with an agent and since I do n't have XXXX I ca n't speak to anyone. 
I thought that the credit companies had to respond back to me within XXXX days otherwise they are supposed to remove things from my credit report?! 
Well it 's been way more than XXXX days and all of the stuff I disputed is still there. I know I can go online and buy a credit monitoring service and try to dispute things online but I thought that Experian is supposed to help me for free! 
I 'm at the point where I 'm done wasting time and need to get this fixed immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have paid off my XXXX XXXX consumer loan accounts, XXXX and XXXX. It 's been over 5 months ( XXXX ) and 2 months ( XXXX and XXXX ) and the credit bureau still shows a balance. The creditor has sent me letters stating that all accounts have been paid in full but the credit bureau still decides to report inaccurately. I want to sue this company and seek damages. 

Please help me anyway that you can to bring this criminal company to justice.

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 2015-12-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I was directed to this site to request a file disclosure from each nationwide credit bureaus and from nationwide specialty consumer reporting agencies. My files contain inaccurate information and I am exercising my right to this request.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was making on time monthly payments and then paid the account off for a negotiated price with the promise that the account would report as paid in full. The account reported 30 days late when I paid it off even though I had been making on time payments. They also reported as settled for less than the amount owed and the credit bureaus and company have failed to validate any information regarding the account but continue to report it despite my contined 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 2017-02-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I would like to have incorrect mailing addresses and incorrect aliases removed from my credit reporting files. In the past, I have disputed incorrect names and addresses, yet they remain on my credit reporting files. I was not able to access my free credit report online via Experian and had to pay in order to obtain a copy of 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