vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I was a XXXX customer between XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX, I discontinued my FIOS service. XXXX charged me a {$130.00} " early termination fee '' ( ETF ), alleging that I had agreed to such a fee previously. However, I had never entered into any contract with or agreed to any " early termination '' clause with respect to my FIOS service. I asked my bank, XXXX, to mediate the dispute. After contacting both sides, XXXX issued me a refund for the {$130.00} that had been erroneously and illegally charged to my account. I naively assumed that the XXXX Bank decision would settle the matter. 

However, XXXX continued to pursue me for this money, even after XXXX Bank resolved the mediation in my favor. XXXX referred this debt to a collection agency, XXXX, so I filed a complaint with the CFPB ( XXXX ) against XXXX and XXXX. XXXX responded to the CFPB to state that XXXX had, " closed and recalled this account, '' and, " XXXX will make no further efforts to contact you. '' However, this adverse item continues to appear on my Experian credit report. I disputed the adverse item with Experian and they refused to remove the item from my credit report, even though XXXX has provided zero evidence that this is a legitimate debt. 

I am contacting the CFPB for their assistance in mediating this issue with Experian, and to help remove this black mark 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 explanation
Consumer complaint received 2016-02-21 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
I demanded verification/validation of account status, amount, original creditor and copy of the contract. I demanded removal of unauthorized inquiries on my report. they refuse to validate/verify accounts and inquiries and they refuse to delete incorrect information and are causing great harm to my ability to obtain credit.

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 2016-12-05 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian has been far the worst agency to work with, they have over XXXX fraudulent address and XXXX fraudulent last names. on my file that they refuse to remove, along with XXXX fraudulent accounts. Every time I write them they send me a letter saying its not legitable? when all my documents are typed out with XXXX point fonts double spaced. and I blow up every copy to prove my Identity. They have cause me a lot of XXXX issues. they refuse to remove, they never help and they send Generic response telling me to take it up with the creditor. I have done that with my Drivers License my state ID my passport proving I was out of the Country for three years. Experian has refused to help me as a Customer to resolve the matter. They never help I have tried to get help when I first noticed the fraud on my report and they are the last to help. I have sent so much proof to the company along with way to much info to the company that the fraud happen at. Please help me. 
XXXX Also Known As XXXX open XXXX cards within months from each other while I was out of the country. I sent them all the documents and they refuse to remove it. and Experian refuses to clean up my credit report from wrong and fraudulent address and last names.

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 2016-05-11 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:
When ordering my free annual credit report from XXXX, XXXX and Experian, Experian has consistently not given me online access after I have given all my correct personal information AND correctly answered all their " security questions. They state because of " security issues '' that they have to mail me a " secret number '' and then I will be able to come back to their site and view my report. NONE of the other credit bureaus do this to me. Experian has CONSISTENTLY made it difficult for me to obtain my free annual report for over ten years! Sometimes even requesting phone numbers from 20 years ago to verify my identity. I am XXXX years old and can hardly remember a phone number from last year much less 20 years ago. I am be harassed!

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 2015-09-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are a couple medical debts listed which I do not owe. This information was confirmed with the actual collection agencies them self. The items still appear to be listed on my credit file and with balances. What happen to " Credit Bureaus offer relief to consumers with medical debt '' For example, existing medical debt defaults that finally get paid -- whether by the insurer or the patient -- will be deleted. 
The accounts in question areXXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX, XXXX XXXX # XXXX and XXXX XXXX which is not a medical debt but a violation as I do not owe this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-27 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, XXXX DOB XX/XX/XXXX SS # XXXX contacted all XXXX credit bureaus XXXX, Experian and XXXX about some information on my credit file. I was advised to contact XXXX about an acct I never initiated or knew about until a family member advised me they put me on their acct as an authorized user. I contacted XXXX and had myself removed from the acct and was advised none of this would affect my credit. Then after checking my credit I saw this info on my credit report and it has harmed my credit and affected my score as if I did something wrong. I should not be punished for something I did not do or had no knowledge of until after it was done. My grandmother XXXX initiated these XXXX accounts with my niece on XX/XX/XXXX with {$3000.00} limits. Hence, me being her Power of Attorney she asked for me to be on there but I told her after she done this her actions would affect my mortgage closing and now my credit is shot to ruins. Somehow XXXX used information already known about me as I am a cardholder to associate me and thus used my social security number on this to be reported to the credit bureaus. My credit is now down some XXXX points. I asked the credit bureaus to remove this because I did not initiate these accounts but only to be told to contact the creditor. The credit card says contact the bureaus so I am in a bubble here with no help. I desire to have these accounts removed from my credit file immediately.

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 2016-07-06 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am filing this complaint against Experian because they have failed to provide me with the documents that their company has on file that was used to verify the account that I disputed. Experian is also listing a social security number that is not mine. Experian is also listing XXXX addresses on my credit report that are not mine. Please make Experian obey the Fair Credit Reporting Act, which says in part " credit reports must be 100 % accurate. My credit report will be 100 % accurate when these errors are removed.

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 2015-05-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have XXXX collection accounts by XXXX, XXXX and XXXX. The Account History on both shows debt included in Bankruptcy on XXXX XXXX XXXX. My bankruptcy was filed on XXXX XXXX, XXXX, the Chapter XXXX was converted to a Chapter XXXX and discharged on XXXX XXXX, XXXX. The Bankruptcy ID number is XXXX. 
My attachment will reflect this. I have disputed this information but they refuse to update the correct date. I did n't file bankruptcy in XXXX, it was back in XXXX. 
On XXXX it lists Account History shows debt included in Bankruptcy on XXXX XXXX XXXX, which is the discharged date, not the date the bankruptcy was filed on XXXX XXXX, XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I recently submitted a dispute to Experian based on inaccurate information on my credit report. There is a collection listed for XXXX XXXX, and showing XXXX as the Original Creditors. I contacted Experian to let them know that this information should be removed and that I paid XXXX XXXX XXXX in the amount of {$410.00} ( see attached ), over a year ago. Experian still refuses to remove the information, and has only updated my credit report with inaccurate information which shows a balance owed of {$410.00}. I have attached front and back copies of my check, which was cashed by XXXX XXXX XXXX over a year ago. Please help me hold Experian accountable for removing this inaccurate information from my credit report. This has negatively impacted my ability to purchase a home.

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 2015-12-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I made a request to Experian to lift my credit report freeze permanently. I complied with all of their requirements and asked for confirmation. Experian has not answered to mu request. I have been denied credit XXXX times based on Experian 's incorrect information. Please asked Experian to comply.

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

Complaint narrative:
I recently pulled a copy of my credit report and noticed information in error. Credit Inquries : FCRA states that the only permisable purpose for pulling someone 's credit is a ' firm offer of credit b ) insurance c ) employment or d ) court order.The following inquiries are related to none of the aforementiond permissable purposes : XXXX Bank XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX and XXXX XXXX/XXXX/XXXX. I have written letters and been calling for a few months and told them I did not authorize these inquiries. The responded via mail stating that were not going to do anything about it. I have been hung up on several times by their customer service even though I was nothing short of nice and professional.

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 2016-02-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I currently have disputed an appt from XXXX XXXX that is on my account with a balance of {$950.00} that has been sent to collections that I did not open. I currently have been having XXXX service for over two years now and did not authorize this XXXX XXXX account to be open. I did contact XXXX XXXX to inform them that I did not open this account nor did I ever contact them to have this account opened. XXXX XXXX did inform me there was nothing they could do for me. I need this removed off my credit report due to I did not authorize for this account to be open under my information

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 2015-08-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
what experian has done is illegal. They have updated my 6.9 yrs old closed account and converted a fully paid good account with notification of paid in time into a derogatory account as being late 120 days. The account in question is a secured account so no question of any money being due.XXXX has never demanded any money from me in 6 .9 yrs. 
Converting it from a good account to a bad account after 6.9 yrs on a closed account equivalent to reporting a late payment after 6.9 yrs. This is beyond the statute of limitations. Surprising enough they report payment received in XXXX and late in XXXX.Are credit reporting companies XXXX. 
Now i have to sue XXXX XXXX. by the time they respond my account will be deleted.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-30 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 am writing to dispute the following information in my file. The items I dispute also I have the attached copy of the credit report I received. Such as credit account, judgment, etc. ) Is ( inaccurate and incomplete ) I am requesting that the item be remove corrected. 
Please reinvestigate this ( these ) matter ( s ) and ( delete ) the disputed item ( s ) as soon as possible. And with another note the Telephone number and address of the account is incorrect those not exist there none information at all from this corporation.

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 2017-01-23 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I leased a vehicle from GMAC, which was assigned to Ally Financial! The agent of Ally, XXXX XXXX engaged in fraud at the time of the execution of the lease. The vehicle was paid off timely, returned, and there was some physical damage, covered in full my automobile insurance company, the XXXX XXXX of Michigan. Based on all the actions at the inception of the lease, and Ally 's failure to properly give me the required notices at the end of the lease, and the fact that my insurance company paid Ally all monies for any physical damage, I owe Ally no money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XX/XX/2013 I pulled my Credit File and discover that XXXX, which is a copy that Mortgage Companies use to pull individuals who are in the market to get a Mortgage unlawfully violated my Constitutional Rights by accessing my Credit Information without my CONSENT! 
I discovered the unlawful violation when I pulling of my Credit File in XXXX, 2013 via my Experian Credit Report which reflects the 'INQUIRY ' by XXXX. 
I disputed the unlawful act with Experian and they removed the information from my credit file. 
However, I made several attempts to get XXXX to provide to me the 'CONSENT ' documentation that they received from their client ... XXXX XXXX so that I could find out who and/or what individual with XXXX XXXX that requested my CREDIT INFORMATION to be 'SHARED/DISCLOSED ' to XXXX XXXX. I mailed via Certied Mail requesting that XXXX respond to me in 'WRITING ' with providing me the information that I was seeking so that I could find out how requested my information. 

XXXX REFUSED to provide to me that information/documentation from their files that reflect the name of the party from XXXX XXXX who placed the unlawful request for my information, thus invading my PRIVACY, as well as Violating My Constitutional/ Civil Rights with the unlawful access into my Credit FILE without my CONSENT! 
The attached documentation from Experian reflects the FACT that EXPERIAN released my information to XXXX via XXXX 'S request for my information for a 30 Year Mortgage which I NEVER APPLIED FOR, NOR GAVE CONSENT to XXXX to release my information. I 've made several attempts requesting that XXXX provide to me the information/documentation from the parties/XXXX that requested my Credit Information and XXXX has refused to respond to ANY of my numerous inquiries! This COMPLAINT is NOT AGAINST EXPERIAN ... it is against XXXX for THEIR unlawfully violation into my CREDIT FILE without MY CONSENT!

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 2016-03-15 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: CA

Complaint narrative:
I was a victim of fraud and it is my understanding that it is my right to place an extended alert with all XXXX credit bureaus and receive a free credit report to check for discrepancies. All of the credit bureaus have automated telephone response systems and do not allow for a consumer to obtain a free credit report due to fraud and/or place an extended alert. Furthermore, none of the bureaus offer to speak with a customer service representative.

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 2015-05-21 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: CA

Complaint narrative:
well now that Im on a computer where I can print my report from, I wanted to be able to view it so that Im able to print it out

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Please have information more consolidated. Why are credit reports loaded with accounts being listed several times and it is for XXXX creditor? That is so unfair and unjust. 
I would like to see the Credit Report trimmed down. It is the most inaccurate document that I have every seen.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-14 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I signed up for Experian for a one time credit report. I purposely reviewed the terms to ensure I do not get residual billing. I was satisfied and bought my credit report. Now, since XXXX XXXX, I have been charged for credit monitoring service I never used ( no logins, views ) nor purchased. 

I spoke with Experian on XXXX/XXXX/XXXX at XXXX PT. XXXX answered the phone and he refused to refund my residual billing. I talked to a supervisor, XXXX, and she refused to reverse my resodual billing. I asked XXXX if there is another escalation I could proceed with, she said 'no '. 

The website is grossly deceptive. I previously heard about possible residual billing without permission and I still was charged. 

Please help me get my charges reversed and send corrective action to Experian. They are deceptive.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently requested a copy of my Experian credit report and found hard inquires that were placed on my report without my consent. I made contact with both the creditors and Experian to have these inquires removed and was unsuccessful

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 2016-05-25 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:
I recently moved from XXXX to XXXX. I attempted to open a checking account at XXXX XXXX and was told Experian had a fraud alert on my credit report. In addition to my SSN they have my late mother 's SSN ( same name as mine ) and have listed me as deceased. I 've written to Experian and have received no reply.

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