vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I ask them to remove hard inquiries that was mines and also i asked them to provide me with signed documentation from a collection company there 's was not any proof sent to me to show they had any right to collect that the debt or that it was even mines

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 2015-07-07 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:
I wish to make a formal complaint about an inquiry on my Credit File. The issue is that I applied for a Credit Card at XXXX Bank in XX/XX/XXXX in hopes to improve my credit rating and was approved but never received the card. I assumed there was a long processing time to obtain this card, but when I researched this issue at a later time I found out that they did send me a card but the address never included my apartment number so the card got lost in the mail. They then informed me that due to the delay in activating this lost card they closed the account. 
The Bank then informed me that I would have to start this process over again to obtain another card. I decided not to do this, but I have this inquiry on my credit file which gives the appearance that I have applied for credit but been denied. I wish to remove this item from my credit file to avoid any confusion from potential creditors. 
This inquiry will not be removed until XX/XX/XXXX. 
I sent a letter to Experian explaining this issue but have not receive any correspondence in resolving this issue. 
Latest Experian Report Number : XXXX : XX/XX/XXXXXXXXXXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX # XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
got response from experian that they are unable to honor my request based on the limited amount of information I have provided when I only ask you deleted outdated information from my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian has not updated or correctly updated XXXX of my credit card accounts. At issue is the failure of Experian to list the proper account number for these XXXX credit card account. In addition, in the reply to my dispute, XXXX of the credit unions that issue me a credit card is now erroneously identified by Experian as a medical facility ( XXXX treatment facility ). 
I should note at this time that although the account numbers associated with these XXXX credit cards are not correct, I do not dispute the accuracy of the payment history or balance history of these cards. That information is correct. In fact, I have a very high credit score. 
Why inaccurate account numbers matter : Regulations require financial institutions and government agencies verify our identity prior to conducting business with us. Erroneous information in credit bureau files result in failed identity verifications. 
1. My XXXX Bank credit card is identified by Experian, using a number that I do not recognize, nor does this erroneous number appear anywhere on my XXXX account or statement. I have requested that Experian list the XXXX digit XXXX credit card number for this account, the same way XXXX does. 
2. My XXXX Credit Card is now miss-identified as a " medical account '' ( XXXX treatment facility ) .This latest error is a result of the Experian " investigation '' of my original dispute. This is a credit union visa credit card account, not a medical related account. My original dispute issue also has not been corrected. That issue is that Experian is listing my XXXX digit credit union member ID number, instead of the XXXX digit XXXX credit card number that would accurately identify the account that they are actually reporting on. 
3. My XXXX XXXX XXXX XXXX Credit card is misidentified by Experian by using my XXXX digit credit union id number instead of the XXXX digit XXXX Credit card number that actually identifies the credit card they are reporting on. 
This issue was brought to my attention by a failed attempt by the Social Security Administration to confirm my identity by having me enter a XXXX digit major credit card number. Social Security uses Experian to verify identify, even though ( in my case ) Experian does not associate XXXX digit XXXX account numbers with the XXXX cards that it reports on.

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 2016-04-19 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Experian has an incorrect address for me : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA. 
I have never lived at that address and never sent mail there. In another profile section, Experian had my correct address of XXXX XXXX XXXX XXXX, XXXX WA. 
On XXXX XXXX, 2016, I advise the Experian dispute department of this over the telephone. They refused to open a dispute file claiming XXXX Bank, issuer of a XXXX XXXX XXXX credit card had that as my address. Further, tehy stated it was their " policy '' to require the consumer to call the issuer. XXXX did have that as an address fro me but not from me, but from the Experian report they ran. I did not know of the mistake. 
Experian stated it was their " policy '' to make the consumer correct the mistake with the issuer. I stated that they must take the dispute unless it is frivolous and it was not frivolous as they have XXXX conflicting current addresses for me, and I was advising them that the XXXX XXXX address was incorrect. 
I was forced to call XXXX Bank fraud who made the change and stated that they got the address from the Experian credit report. 

Experian 's " policy '' shifts the burden of investigating a dispute under the FCRA from the reporting agency to the consumer, and contradicts Experian 's obligations under the FCRA. 
No other reporting agency refused to allow a dispute. 
if it is is a policy of Experian to refuse address disputes, then there are likely countless other consumers to which they apply this policy. 
The correct procedure should have been to take my dispute information and open an investigation, allowing the consumer to also call the issuer. 
Experian has " security '' questions to access my online account with them. The questions contain incorrect information on lines of credit, mortgages and other information. Experian does not have a method to allow the consumer to explain or dispute the security answer, claiming that they are generated from the consumer 's credit report. However, if Experian incorrectly inputs information, the Experian system locks out the consumer from his own account. In addition, Experian refuses to address or allow a dispute of the errors.

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 2016-09-14 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 reporting my private information without verifying the accounts being reported. This is is in violation of Section 609 of the Fair credit reporting Act.

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 2016-12-14 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Violation of fair reporting.ocu-validation, permissible violation to non legal agencies about consumers.

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 2015-05-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
We took our XXXX for an emergency but we had to transfer it an emergency hospital and paid the clinic in full. We learned at the hospital that they had lost the blood tests and mishandled the case and told the clinic we did not feel we should be charged. When we got the credit card bill we disputed it and received notification it was resolved in our favor ( see attached document for further details ). We heard nothing until months later we got a letter from a debt collector ( we have filed a claim with you against them already Case number : XXXX ). We called them explained the situation and sent them all the information with a request that they contact us if they needed any further information. Again we heard nothing until months later Identified us about an inquiry which turned out to be a negative report from the debt collector. We contacted Experian and disputed the report. We sent them a complete package of all of the documentation including the paid bill and credit card resolution. They simply sent an inquiry to the debt collector who said the account was valid and had not been paid without reviewing the documentation which showed the debt should never have been sent to the debt collector as the merchant did not respond to the credit card company 's inquiry about our dispute or send us anything once the case was resolved, and the debt collector did not do due diligence when the information was provided to them. We disputed their first finding and they simply repeated the same inquiry which we have now disputed again showing them a perfect credit history except for this XXXX " incident ''. We did the same process with the other XXXX credit reporting services XXXX of which deleted the report after finally reviewing the material. The attached documents have the original payment, the credit card company resolution information and a much more detailed explanation of everything which has transpired. We would appreciate your assistance in getting this negative report removed from our credit record.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03 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 sent a request for a Security Freeze, because I am a victim of ID Theft to XXXX TWICE. I sent them a police report, proof of address, my drivers license and my social secuirity card. I sent the request certified mail and it was signed for on XXXX XXXX 2015 and XXXX XXXX 2015 by Experian.. They have not placed a security freeze on my file although the other XXXX bureaus did place the freeze with the same documentation.

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 2016-04-12 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:
In response to CFPB complaint XXXX Experian states they investigated fraudulent account on my credit report, only the result is even more errors on my credit report. 

1. Experian has been sent multiple times a copy of the Identity Theft affidavit from XXXX and has refused to act on it, this is a total disregard for their legal obligations under the California Fair Credit Reporting Act. XXXX and XXXX complied immediately, it is only Experian that refuses. I have again sent a copy of the affidavit and demand the fraudulent accounts be removed. 
2. As a result of their investigation Experian removed XXXX BANK XXXX XXXX and XXXX BANK XXXX XXXX accounts from my credit report XXXX which they mailed me. A week later I received a credit monitoring fraud alert, and XXXX these account have been re-inserted into my Experian credit report. It is extremely deceitful to remove these accounts from the report that I was sent and then immediately re-insert them, in addition I received no notification of re-insertion which is a violation of the FCRA. I demand these account be removed. 
3. As a result of their " investigation '' Experian updated XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX accounts to show bogus payments made in XXXX. Experian lists these accounts as Charged Off in XXXX, payments are not possible. Adding these false payments in an attempt to Re-age these accounts is a violation of FCRA and XXXX, Experian is required to report accurate information, I demand these accounts be deleted. 
4. As a result of their " investigation '' Experian updated XXXX BANK XXXX account to show 180 days late in XXXX of XXXX, when it also show Charged off in XXXX of XXXX. An attempt to Re-age these accounts is a violation of FCRA and XXXX, Experian is required to report accurate information, I demand these accounts be deleted. 
5. Experian continues to report address information that does not belong to me even after notifying them of previous identity theft. Experian is required to provide accurate information, by allowing this bogus address information to remain on my report they are increasing my risk for further fraudulent accounts, I demand they be removed. 

I have been trying to get this resolved for three years now, all other credit bureaus were willing to help, Experian refuses to comply with the law. 
I ca n't even refinance my mortgage because of Experian, I just want to get on with my life, if legal action for violations of the FCRA is the only way to motivate Experian to comply with the law then that will be my next step.

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 2015-11-16 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: CO

Complaint narrative:
In several different occasions I have tried retrieving my credit report via Experian and Annual Credit Report and every single time, Experian denies my request. Today, I signed up for XXXX XXXX XXXX, and I found out what the issue is, Experian has incorrect information on my credit report, incorrect DOB, incorrect Address, incorrect everything!!!! If I try to pull my credit report, using both the correct and incorrect information they have on my file, it is the same thing. I even tried uploading my documents via XXXX and the page is not working. Furthermore, I have tried calling the XXXX number, but it is impossible to get through a rep. Please assist in Experian providing my credit report, remove the incorrect information and remove the fraud alert that was placed on my file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-10 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
( copied from my letter to Experian ) XXXX Attn : Customer Care XXXX, TX XXXX Dear Experian, Well that was sneaky. You know I 'm after my FICO credit score and a credit report, so you lead me down a path on your website promising a free credit report. Once you have my personal info you inform me that it costs {$1.00} to report the FICO score, which seems reasonable so I enter my credit card info and press OK ... 

... not reading the small print two paragraphs below which says that in fact I was signing up for a $ XXXX recurring charge. 

I 'm sure you can cite letter of the law that nothing is amiss, but this is clearly meant to trick people into a recurring charge. What I and I 'm sure 90 % of your customers want is a one time credit report. The transaction as presented seems like I am paying {$1.00} for a simple credit report. It would be a more uncommon thing for someone to want a continuous and relatively expensive monitoring of their account. 

A monitoring service is a separate product from seeking a credit report, and should be sold as such. You should not have to sign up for a {$260.00} per year service just to see a one time credit report. 

Experian is in a uniquely powerful position in the financial industry. You are in the business of gathering personal information and making judgements on credit worthiness. To offer a credit report service that borders on a scam is troublesome. 

I would appreciate a refund of the {$21.00} charge that was made to my credit card, which you have kept on file. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Statebridge Company
State: IL

Complaint narrative:
my Mortgage company wants to double my escrow payment, I ca n't afford this. I believe there was an error on the mortgage company by allowing or not foreseeing an escrow shortage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX has been reporting XXXX bankruptcies that do not belong to me. I keep on disputing and these credit reporting companies responded with verify and validated which is not true. I went to XXXX Bankrupty Court in person to investigate and Spoken with Court of Clerk. She informed me it could be computer error or someone with same name but they did not verify or validate information on credit file. See attached letter from Clerk of Court

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 2016-01-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
There is a collection from XXXX XXXX stating a creditor by XXXX sent me to collections. I do not know anything about this XXXX nor have i ever been to the state that is being listed. I believe my identity has been stolen and i want this collection removed and to not come back.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I would like to dispute XXXX regarding a XXXX account. Previously, I reported this information to all XXXX credit bureaus and it was removed. Now it is back on my credit report again as a collections account from XXXX XXXX. SO I would like this item removed again 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 2015-05-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have filed a complaint with BCFP and The Attorney Generals office about the company " XXXX XXXX '' that placed the false debt ( which is not my debt and could not provide proof ) on my Credit reports. XXXX and XXXX have removed the item which is not my debt but Experian refuses to remove this item. I have filed XXXX disputes yet they still refuse to remove the item only to say that the company says it is my debt but still DID NOT provide PROOF.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-30 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:
XXXX XXXX has been on my credit report since XX/XX/XXXX and should have been then. They are on XXXX with XXXX XXXX a collection agency they hired. This is well over seven years and according to FCRA these should have been off in XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XXXX 2015 I remedied a judgement by paying the satisfying amount. I read all disclosures and signed all appropriate documents and the process went smoothly so I thought. I went to my local court house to check if the judgement was indeed satisfied and they confirmed it was. Several month later I noticed on XXXX XXXX a delinquent derogatory report, I desputed this and XXXX XXXX confirmed it was resolved. 2 months later, my wife and I apply for a loan to improve our house and we are denied the low APR rate because of this judgement that I resolved almost a year ago. I feel penalized and treated unfairly. I have been told false information by XXXX XXXX of this being resolved, when it has n't been and again feel I am being held back on an opportunity for a lower rate on a loan that I would qualify seeing this was appropriately remedied!

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