vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I opened a {$3000.00} education loan with the VA. I made an agreement with them to pay back the loan in installments of {$85.00} a month starting in XXXX of XXXX. As you can see from the itemization attached, I made my XXXX payment ... my XXXX payment ... my XXXX payment ( EARLY ) and in XXXX they did an automatic withdrawal from my pay that I did not authorize. 

They continued to take this money even thought the agreement was for the {$85.00} a month. Even though they were collecting twice what we agreed upon monthly, and without ANY MISSED DEDUCTIONS, they began reporting this item as delinquent in XXXX of XXXX ( See VA historical delinquency attached ). 

1 ) The VA is in violation of section XXXX I never received a notice of delinquency or any notice that they were sending my information to the credit bureaus. 

2 ). They are in violation XXXX in that, when I disputed this item with them in XXXX, they were required to follow the same provisions of sec. XXXX with regard to disputed accuracy. I did not receive any update in 30 days and they did NOT remove the item since they were in violation of the repayment agreement and should not have reported it. 

I relayed these violations of non-compliance with federal law to XXXX and Experian. XXXX properly deleted the item. XXXX XXXX and Experian have left it in violation of FCRA section 611 ( a ) ( 5 ) ( A ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc.
State: MT

Complaint narrative:
Experian mislead me to believe that for {$1.00} I would receive a copy of my credit report. They failed to reasonably advise me that a 7 day trial membership would begin and that I would be charged {$21.00} at the end of the trial. Imagine my surprise when they debited my checking account. 
I am prudent when shopping and take time to fully understand what I 'm getting when I make a purchase. Experian was misleading and refuses to credit my account for {$21.00}. They are dishonest and should be required to adequately communicate all agreements prior to purchase.

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 2016-05-10 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: CA

Complaint narrative:
Went onto XXXX and tried to get my Experian report. Kept failing to load. even Experian is n't coming up.

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 2016-08-04 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I needed to thaw mine and my husband 's credit so our bank could review our credit to redo a line of credit with them. Apparently, because I thawed our credit we were signed up for a credit monitoring service for a trial of {$4.00}. If we did not cancel it we would be charged {$19.00} a month. I do not need credit monitoring, I keep my credit frozen. 
I called to ask how I was initially signed up and they were unable to answer me. I was also being billed twice every month. So {$4.00} times XXXX and {$19.00} times XXXX since XXXX. 
I called and asked for a refund. They said they will cancel my membership and refund for one month only. I called my credit card company and they can dispute XXXX. They can not dispute XXXX. They were told to have me call and ask for a refund. I did, and they would not.

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 2016-05-26 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: GA

Complaint narrative:
Ca n't receive my credit report because of information on my credit report is not accurate I am a victim of I 'd theft which has been reported many years ago with the IRS and other government agency and still my information is being stoking for cars mortgages and loans that I never had or applied for ... I 've tried calling the police for a complaint and they we 're no help instead they blew me off what is my next step to fixing this issue?????

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 2016-06-22 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I first launched a dispute with Experian back on XXXX XXXX, 2015 when I discovered XXXX accounts on my credit that were not manufactured by me. Unfortunately something that I thought would take about 45 days to clear up has gone on for almost 9 months. I really feel like I am being ignored. I was advised to contact you first before I file a federal law suit. 
I am disclaiming the following XXXX entries on my credit and request that they are removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-10-06 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:
XXXX XXXX is claiming they bought account ( Account # XXXX ) with a balance of {$1100.00} belonging to me from XXXX XXXX XXXX ( Account # XXXX ). I have no knowledge about so, I ask disputed on Experian website for XXXX XXXX to provide me the necessary information that show that account was open by me. They have failed to provide any documentation rather asking me to call them so I settle this account with 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 2015-10-05 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:
It has been more than 60 days since I wrote to experian and I have not received any status of my request.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-28 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: CA

Complaint narrative:
I went onto get my free annual credit report and Experian said they were unable to process my request, ( although I had just received my report from XXXX and XXXX ), however Experian was willing to mail me my report for {$20.00}! I feel as if I have just been cheated!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit score is below XXXX and there does not appear to be justification for the low score. the credit reporting reasons for the low score : " too many delinquencies, too many credit reporting requests, proportion of balances too high ''. these reasons do not appear valid : there are almost no delinquencies within 24 mo, there are very few credit reporting requests in past 12 mo and the balances for debt to income are 40 %.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My wife and I recently sent the attached follow-up letter to Experian. We were following up with them because it had been over 45 days since we had requested credit investigations. To date, we have still not heard from 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 non-monetary relief
Consumer complaint received 2015-08-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have submitted a number of requests to Experian to correct inaccurate information on my credit report and provided them with a copy of the credit report retrieved from their website as well as identification. The initial letter was ignored without response and the second request claimed to not be able to identify me and was addressed to someone else.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-13 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Nationwide Recovery Systems, Ltd
State: OK

Complaint narrative:
This started XXXX for {$900.00} and is the leftover portion of an emergency medical bill with XXXX XXXX XXXX, XXXX, OK. I immediately started paying $ XXXX/month and increased it to {$54.00} recently to comply with minimum payment requirements. I have NEVER missed a monthly payment and the debt is down to {$480.00} now. No reason for it to ever be turned over to Nationwide Recovery but it was anyway. After I had made payment arrangements they called again to say that I needed to make FUTURE payment arrangements ( auto debit etc. ) or they would continue to call me. Since when is future payments promises a part of it that was not mentioned in the payment arrangements at all. Again, I have paid every month, not one has been missed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 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: LA

Complaint narrative:
Dear Consumer Protection : The reason for me filing this complaint is due to Experian organization continually reporting the incorrect date of birth in my report and also blocking me out from getting a copy of my credit report online. I have try several times over two-years to get a copy of my credit report and each time Experian has block me out every time. This is violation of the Consumer Credit ACT 1974, section 77-79. I am very frustrated and this practice is unacceptable. 
Furthermore, I am in the process of re-financing my home with XXXX XXXX XXXX bank and the representative stated to me if Experian does not take the block off my credit report they are not going to be able to finance my mortgage because by law under the HARP they must have a copy of my credit report and score to be able to grant the refinancing. I was told by a Experian representative because of a key stroke error is why my date of birth is in their system wrong. I also like to state, after contacting Experian in regard to the issue they refuse to fix the mistake. .I would greatly appreciate your assistance in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Argon Credit
State: IL

Complaint narrative:
XXXXARGON is indicated I opened a loan with them ; however, I have never opened an account with that company. They have not helped me verify the loan, and they continue to report it to XXXX. Additionally, they indicate the loan was opened in XXXX 2015 ; however, the loan is now indicated as late 31-60 days and it started to appear as of XXXX XXXX, 2015. This is how I found out about this loan and subsequently contact XXXXARGON. To-date, they have refused any form of help to resolve this fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
All of the information related to a XXXX XXXX in XXXX XXXX, CA is not mine ( not me ) I 've never lived in California

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The issue is that I am tired of playing around with these Credit Reporting Agencies. I have attached the letter that I mailed to them, which is certified, notifying them of my intent to sue and that is dated for XXXX/XXXX/2016. I am not playing with them anymore. This has been going on for the last 10 months. No one has verified any information, sent me anything, other than these pointless letters or stall tactics. I will be suing for the amount that the law allows per account on my credit report. The other agencies are following suit and removing the items that I have disputed because they know that they are not mine. You are allowing items on my report that you have n't properly verified and that is against the law. I will dismiss my lawsuit once the items are removed. I have attached the letter that Experian sent, saying they were not going to remove any items. They are trying to blame the furnisher instead of taking responsibility for not verifying the accuracy of the items through proper channels and actual verifiable, tangible proof. 

Lastly, they refuse to update my address. I have sent proof that I do not live there anymore and they keep sending the same non sense to my old address instead of my new address, which is XXXX XXXX XXXX XXXX, XXXX, GA 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 2016-11-05 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:
Does this sound like the response of an impartial credit agency after 7 yrs. of stonewalling! I recently applied for a credit card with my Bank XXXX XXXX. I was required to go into my Bank and along with a Banker have a three-way call with the credit card company. The Banker answered all the questions and so did I. I was still denied. I applied for a credit card with XXXX dept. store and was also denied because of Experian 's report. See the included Doc. From what I can gather, I am dealing with XXXX, XXXX, and XXXX ( International fraud gang released on the world by XXXX ). The true source of the fraud addressed in 2015 by XXXX State Attorney Generals and 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 2016-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: R J Baucum Enterprises, Inc.
State: TX

Complaint narrative:
This agency is calling repeated times during the day after multiple attempts to cease all calling. This company uses multiple numbers during the day to call attempting to make it seem like someone else is calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Contacted Experian regarding several inquiries ( XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ) that were on my credit report, those of which I did not sign nor have I ever had a contract with these creditors for their services or their products.

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 2016-09-30 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: TX

Complaint narrative:
On XXXX XXXX I obtained my free credit reports from annualcreditreport.com Experian 's report showed on my browser and then became unavailable when I clicked to view the whole report. I called Experian and they can not give me a reason as to why the report can not be given to me. 
Furthermore, I ordered Experian 's credit score product. After submitting my social security number and credit card, the website said there was an error and I would not be charged. I see a charge on my card today immediately afterwards. 
This is now XXXX product from Experian that are faulty in the same day

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 2015-10-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I am requesting that EXPERIAN immediately delete the address listed on my credit file as reported and previously listed on the EXPERIAN Credit File as : XXXX XXXX XXXX XXXX XXXX WA XXXX. Address indentification number : XXXX, Geographical code : XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-23 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 requested the removal of Bankruptcy record from my report. The bankruptcy was discharged more than 7 years ago, and by their own words, the record may remain for 7 or up to 10 years.

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 2016-10-06 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have disputed these accounts with Experian at least 3 times and they have yet to provide me with documentation that they claim they have on file to verify these incorrect accounts on within my credit report. In addition, to going over the 30 day mark by law according to sec 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information that can not be verified that I have disputed!!! Please HELP me resolve this matter.

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 — Information is not mine
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Checked my credit report and there was a hard credit inquiry from XXXX Bank that did not authorized or applied for. Inquiry reported 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 2015-10-23 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I found today Experian had charged my credit card for " Experian *ProtectMyID XXXX CA {$39.00} '' I did not sign up for this service ; I already subscribe too XXXX XXXX, and credit monitoring service who guarantees XXXX dollars if your identity is stolen and your credit has been used and they do n't alert you. 
Well my identity has been stolen and if XXXX and XXXX credit reports look like Experian 's treatise XXXX pages front and back report along with XXXX financial company inquiries I 'm really going to be toast but I digress. 
I contacted Experian this morning and they will not cancel this service until XXXX, 2016 I have no idea why this a magic date but that 's what the customer service representative said. 
I would like the unknown service stopped and my money return to my credit card prior too XXXX, 2016.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-11 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:
I have disputed unfair medicare billing on my credit report. I 'm asking for that to be investigated. They were entered as separate bills for the same ER visit. I am also asking for my credit score to be re-scored now that my student loans have been deleted and this investigated.

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