vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I do n't owe any money to XXXX XXXX XXXX 2014 paid for less than full Balance XXXX this information is not accrete please take this out from my Credit Score ASAP

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian has repeatedly ignored my requests for them to provide me with the documents that their company has on file that was used to verify the payment history of XXXX accounts that I disputed. This matter has been ongoing for more than 60 days! twice the permitted timeframe and they can not satisfactorily verify the late payments on the accounts in question, as per Section 611 ( 5 ) ( A ) of the FCRA - they must " ... promptly delete all information which can not be verified '' that I have disputed and demanded be validated. Please resolve this matter ASAP. 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 explanation
Consumer complaint received 2015-09-09 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 have numerous errors showing on my credit report. After reviewing it I sent Experian a letter asking them to investigate these glaring errors on XXXX/XXXX/15. I yet to receive anything from them. Also I read that Experian has been sued recently for the same issue. I plan on doing the same very soon if they do not fix their errors.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-05-13 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
On XXXX/XXXX/2016 I used XXXX, which ultimately directed me to the Experian website to obtain my XXXX bureau credit report. I ultiamtely paid {$39.00} for this, despite that it is freecreditreport.com and implies a fee credit report which does seem deceptive to me the problem is not so much the {$39.00}, I agreed to that cost, it is that on XXXX/XXXX/2016 and XXXX/XXXX/XXXX I was charged {$21.00} without my authorization, and I need that refunded. 
The first step I took was to cancel any recurring billing, it is always my habit to do this to avoid this type of situation. Further it is a bit of an outrage for a credit reporting agency to engage in this kind of behavior, we expect it from the local gym who " forgot '' to cancel your recurring billing, but not from an organization like Experian we are supposed to be able to trust. 
The agent I spoke with today XXXX/XXXX/2016 at about XXXX XXXX was named XXXX and her employee ID is # XXXX, she was as helpful and understanding as possible but indicated her supervisor would only authorize XXXX refund of {$21.00} not both charges. If these charges were valid, they would not reverse any of it, so it is clear to me they acknowledge I did in fact cancel the billing as I described, it is in essence them asking for me to pay for their mistake which is unfair. 
Further, when I called it was at first explained to me that the {$39.00} alone gave me access to my credit information for 180 days. Then during the call I got an email regarding downgrading which I did not request. Then later in the call the agent, XXXX informed me that I only had paid for 30 days of access. A lot of confusion really, it seems as though things were made up as they went along.

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 2016-01-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Nelson Cruz & Associates LLC
State: MI

Complaint narrative:
My father had work done on his home for an insurance issue of black mold. The mold was not taken care of and my father has decided to let the house go into forclosure. My mother who has been divorced from him for over 10 years and never lived in that home, myself and my brother in law ( because he has the same name ) has been contacted numerous times. The last time I told them it was n't my debt and my father has no plans to pay they can file the lien against the house for the debt the man XXXX was screaming at me, harassing me and telling me things like " pay your debt and what do you work at XXXX XXXX '' when I told him to stop calling or I would contact a lawyer. This is not my debt and having them contact everyone who has been remotely connected to my father is being contacted. I do not have power of attorney, have no access to my fathers money and told them this only to be screamed at and belittled. My father is XXXX and has no assets, so as I said I do n't plan to pay this which I explained.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2016-05-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
EXPERIAN fails to remove inaccurate revolving account information. EXPERIAN reports incorrectly that credit usage is XXXX % .. EXPERIAN reports incorrectly that Total Credit is {$2300.00} and Credit Debt is {$27000.00} EXPERIAN continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.

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 2015-06-20 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This is getting ridiculous. Experian sent a correspondence claiming to have concluded the investigation for my dispute against the said debt purported by XXXX XXXX as valid. I have submitted copies of all my letters to XXXX initiating billing disputes. XXXX XXXX has violated the Fair Credit Billing Act. At best, this matter boils down to a billing dispute initiated by me before voluntarily canceling my service. XXXX has yet to acknowledge my billing dispute and just keeps sending me unaltered copies of the final bill. It 's like I 'm " talking to a brick wall. '' This is willful ignorance. I use plain, straightforward language in my correspondence, and I 've submitted it to XXXX Experian. XXXX XXXX has unlawfully reported this account intending to affect my credit rating and willfully reported me as delinquent. This is grossly inaccurate. I have submitted a request for full disclosure of the investigative process carried out by Experian to verify said debt, and sent a copy of the letter to XXXX XXXX corporate headquarters in New Jersey. I have filed an FTC complaint against XXXX XXXX. 
XXXX XXXX has committed several violations of the FCBA and FCRA, including but not limited to, threatening my credit rating, reporting me as delinquent, willfully failing to acknowledge my billing dispute, failing to apply/post credits, charges for goods and services you did n't accept or that were n't delivered as agreed, and unauthorized charges for data when I only agreed to start service under the promise of an unlimited data flat rate plan for XXXX phone line. Experian has equally violated laws protecting against that to which I 've been subjected because they have failed to decide this matter according to law. My documents clearly show that I have initiated my billing disputes timely and properly. The mere submission of a bill statement from XXXX is legally insufficient as peremptory evidence that the XXXX account balance is accurate. That just gross bias. My documentation is not being taken seriously. My complaints are not being taken seriously and meanwhile XXXX XXXX is still wrongfully report me as delinquent and has never even so much as acknowledged my billing dispute.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04 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:
This company XXXX XXXX XXXX XXXX XXXX, TX-XXXX Telephone XXXX XXXX is reporting to Experian that I owe them XXXX. For a rent sofa that was picked up by the store truck. I have disputed this Item over XXXX times and the credit reporting agency is telling me they can not do nothing at all. I call this company and they told be they do n't have this acct and do not know who does ... but they are still reporting. This has cause me and my family severe damage on my credit ... PLEASE HELP.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30 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: AZ

Complaint narrative:
I was able to get my report from transunion but when I returned minutes later to get the reports from the other XXXX agencies it said it timed out and that I could n't get either one online.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian refuses to refund charges to my credit card for a membership I canceled 39 minutes after I was notified of it. They continued to bill my credit card for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX even after I clearly rejected their membership on XXXX XXXX, 2016. They have denied my claim and my appeal saying I never canceled the membership. Hopefully the attachment showing the e-mail proves my case if it attached correctly. I understand I 'm not the only person having problems with Experian. I think this is how they make their money. They are not honest and upfront. They should be honest and explain in better detail what they are doing or trying to do behind your back. I never logged in or used their services in any way. I ignored all their e-mails and attempts to get me to log in or use their services.

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 2016-10-15 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 really need someone to assist me because I have been going through this for years with absolutely no assistance. I am a victim of identity theft. I worked at a company where the personnel who gave me my separation papers mistakenly provided me with another person 's information partially with mine as well as provided my information to this other person ; we both have the same first and last name, different middle name. This person used my information to open accounts as well as go to the extent to use my name and social security # when he went to jail. I had thought that this whole debacle had been cleared up on my credit report, but now that I am seeing it again, I know that it has not been. I am including my letters to the bureaus as well as my identification and affidavit. I was not able to obtain a police report. When I went in to the station to file one, the officers laughed at me, stated they " do n't give a XXXX about something that happened in Virginia '' and would n't make a report for me. I do not have the option to file one online, either as my area does not allow for that. 
I 've disputed this with the bureaus in the past and have received no assistance. 
When this person used my information to obtain a vehicle loan, I received a letter from XXXX stating that I had been approved for $ XXXX and that if I did not authorize this, to write them and let them know. I sent a letter certified as well as faxed it, stating that it was NOT me who applied and to NOT send a check. I then received another letter stating that the check had been sent for $ XXXX to the dealership. I did not authorize this, I did not apply for this, I did not obtain this, I do not have the vehicle and i need for this to be blocked and removed from my credit report immediately. This is NOT my account! 
As for the XXXX account, I did not open or authorize this account and I have no knowledge in regards to it. I notified them as well and nothing happened ; this is the same result from the credit bureaus. 
The accounts and inquiries in dispute are listed on the letters that I have 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 2016-08-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
There are XXXX accounts reporting with dispute comments. I requested that these accounts remove the dispute comments from all XXXX bureaus and I had no issues with XXXX and XXXX but Experian stated that they would have to file a dispute with the companies reporting in order to have the verbiage removed and it could take up to 30 days. Well, it did n't take 30 days but instead the two companies refusing to remove the comments denied my request even though I stated " I no longer dispute the account and I agreed with the way it was reporting '' I also contacted both companies and requested for them to remove the dispute comments themselves and both companies stated they would n't remove the dispute comments " UNLESS THE ACCOUNTS ARE PAID '' To me this is illegal because these companies are holding me hostage and preventing me from being able to purchase a home by reporting innacurate information on my credit file since I have specifically stated I 'm no longer disputing the accounts. It 's my right as a consumer to dispute an account and there are mortgage guidelines in place to decide whether or not I am approved for a mortgage and it should n't be up to anyone deny me this right by reporting inaccurate information in hopes of getting paid. Experian has stated there is nothing they can do unless the creditor reporting the information gives them permission to remove the comment. I had no issues with XXXX or XXXX and if Experian has to put the account in dispute to remove the dispute comment it 's extremely contradictory. I have clarified to both experian and the creditor reporting the information that I no longer dispute the information and I agree with the way the account is reporting and still I ca n't get them to remove the comments from my credit file. This is preventing me from being able to move forward with a mortgage and they are holding me hostage. XXXX XXXX XXXX and XXXX XXXX XXXX are the two accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
EXPERIAN. I DISPUTED BY HAND A DETAILED SUMMARY OF WRONG NEGATIVES ON MY REPORT EXPERIAN ONLY SENT BACK A REPORT NOT INVESTIGATED GIVING EMBEDDED EXCUSES WHY THEY WONT TAKE OFF THIS WRONG INFORMATION. TELLING ME TO BE SPECIFIC. HOW MUCH MORE CAN YOU EXPLAIN BY MARKING ON THEIR PAPER WITH X 'S THIS IS NOT MINE. ADDRESSES INQUIRES, WRONG NEGATIVE ACCOUNTS THAT I MARKED

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Hard Pull on my credit report - I did n't contact or authorize XXXX to do hard pull credit check and do not know what this is for/from - I am concerned about identity theft, I do not have anything other than the hard pull I did n't initiate to suggest ID theft, so I 'm just worried. 
Details of the hard pull, date, and address of company XXXX Inquiry Date XXXX XXXX, XXXX Removal Date XXXX XXXX, XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY

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 2016-04-07 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I consented to a one time charge for my FICO score and was unfairly and deceptively enrolled into a program which had recurring charges to the amount of {$21.00} a month. When I contacted the company and told them I did not want or need this product, they cancelled the recurring billing but refused to refund my money. I have not used the product nor wanted it to begin with. I feel like they pulled a bait and switch on me and they do this to consumers all the time, earning {$21.00} out of each one while actually never providing any product or service.

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 2016-07-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I filed chapter XXXX over 9 years ago. My husband and I actually dismissed the BK and settled with creditors and paid off our debt owed under chapter XXXX. Will you please advise I can have the chapter XXXX removed from my credit report? ****Thank you 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 non-monetary relief
Consumer complaint received 2017-03-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
i have various hard inquiries on my report that have affected my score, i would like to be removed ... some have not been removed and the months have stated that they should be removed in XX/XX/XXXX and XX/XX/XXXX. 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 2015-11-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Regarding XXXX Credit Card accounts with XXXX. XXXX I was in contact with XXXX through a third party company to work on a settlement to pay the XXXX accounts. XX/XX/XXXX XXXX sent letters to me indicating they would : 1. No longer attempt to collect the unpaid debt on my accounts AND would be reporting the UNPAID Credit Card balances ( {$27000.00} and {$35000.00} ) XXXX for the XX/XX/XXXX tax year. 2. XXXX would be sending a XXXX to me in the near future of the principal balances. I received XXXX documents and filed with my XX/XX/XXXX tax returns taking the amounts as " income '' per XXXX guidelines. My XXXX also confirmed the XXXX XXXX amounts on the XX/XX/XXXX tax year XXXX transcripts. XXXX is still reporting the all XXXX credit bureaus that the full balance is owed to XXXX on the XXXX credit cards. The result is my credit scores being affected and I am not able to complete a re-finance on my home. I am filing this formal complaint against XXXX as this seems very unfair. The XXXX documents sent to me by XXXX state at the top of the documents " Cancellation of Debt ''. I do not understand how XXXX can send a XXXX to cause me to file the amount on my taxes and PAY TAXES to the IRS and turn around and continue to report these amounts to the XXXX credit bureaus as " Balance Past Due ''. Please help!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Credit bureau reporting unverified accounts on 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
Consumer complaint received 2016-08-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian will not let me dispute a judgment. It stated they already investigated it. I want this judgment deleted from my credit report. There is no such document in XXXX County Clerk 's office.

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 2016-08-30 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I have multiple issues on my Experian Credit report. We have sent 6+ letters asking them to correct issues. They claim that they have verified certain accounts as mine. I have asked for proof of method of verification and who they spoke to 4+ times. This is required under 15 US 1681 6 ( 3 ). The refuse to provide the information claiming my request is frivolous and they will not correct my report. I also have several items not reported and reported incorrectly. As a result I have been denied credit on several occasions

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