vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-19 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Complaint against Experian. On XXXX XXXX, 2016, I ordered a one-time report for {$4.00}, which was charged to my credit card. I recently became aware that they have been charging me {$19.00} ( recently increased to {$24.00} ) monthly. I did not request, approve or authorize these charges. I feel this company is illegally charging customers for this monthly service after they have the customer 's credit card information. I received no benefit from this service and did n't even know I had it. I only became aware after going line-by-line reviewing credit card statements. I called Experian and cancelled ; therefore, it is not cancelled. I am ; however, left with the feeling I have been robbed. And I have been robbed. I am certain I did not check any boxes or do anything to make them think I wanted or approved this service. That same day in exactly the same manner, I ordered a one-time report from XXXX. XXXX only charged me once for the XXXX 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 monetary relief
Consumer complaint received 2015-10-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
I have disputed this with Experian twice now, the account that is on my credit report was my father 's account and I was only an authorized signer. My dad filed bankruptcy and that account was signed off in that bankruptcy. There is no proof that I was anything but an authorized signer on the account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
My Medical insurance information was not accurate and so they did not submit the bills to my insurance. I fixed the information and my insurance company should cover and pay for my outstanding medical bills. I gave them the information a couple of months ago and nothing has changed on my credit report. I do not owe these bills.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-20 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Receiving unwanted marketing/advertising
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian Credit reports state XXXX score is based partially on the number of inquiries. Experian report shows multiple entrances of an inquiry by THE SAME BANK, ON THE SAME EXACT DAY thereby increasing the inquiries exponentially while decreasing my XXXX score for a none existent reason. Ex : XXXX XXXX ( XXXX times ) XXXX XXXX ( XXXX times ) XXXX XXXX ( XXXX mos in row? ) Experian XXXX ( why show your own inquiry ) Out of XXXX inquiries there were only XXXX I was responsible for. Why are there XXXX inquiries I had no control over. How can I stop future inquiries that are not requested nor required?

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 2016-07-12 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: OH

Complaint narrative:
On XXXX/XXXX/16 tried to get Experian and XXXX credit reports through XXXX. The reports appeared but the session expired before I could print them, and when I tried to see them again ( within a couple of hours ) the system said I had to get them by mail, and could only get them if I provided a pay stub, a copy of my social security card, and a XXXX form. This does n't make sense since I did not have to provide those to see the report online. However, it said I would be able to access the reports for 30 days online, and I ca n't. So now I have used up my XXXX free annual report request with them but I do not have access to the reports. I filed a complaint on XXXX/XXXX/16 but did n't realize I had to file XXXX separate complaints, XXXX for XXXX and XXXX for Experion.

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 2015-11-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
Experian is not responding to my requests to investigate and remove accounts from my credit report that do not belong to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To whom it may concern : I am writing to correct/update my address. My current address is:XXXX XXXX XXXX XXXX , XXXX # XXXX, XXXX , CA XXXXI also needed to correct/update my place of employment : XXXX XXXX with the XXXX XXXX XXXX XXXX XXXX , in XXXX , CA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
We are trying to dispute items on my credit report that are involved in my son 's bankruptcy, filed on XX/XX/2015. In order to file a dispute, they require you to provide copies of your driver 's license, social security card, current bank statement and utility statement, plus another form of ID such as your birth certificate. They require all of this information to be sent through the mail, which opens up a very large door for identity theft. I do not believe it is safe to send all of these items through the mail and have never been required to submit more than XXXX, whether physically or electronically. I refuse to put myself at risk, while understanding the need for verification. We ask for an alternative, or acceptance of XXXX forms of identification, in order to have these disputed items 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 explanation
Consumer complaint received 2016-04-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I was checking my credit report to make sure another issue was cleared up and I noticed this {$3200.00} judgment was listed on my report. The creditors are listed as XXXX XXXX XXXX and XXXX XXXX XXXX. The judgment was expunged from my record and should not be on my report. I 'm attaching the order of expungement from the 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 non-monetary relief
Consumer complaint received 2016-05-31 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:
Contacted Experian to see what was needed to remove XXXX errors off of my Credit Report. Was told it would all be removed and to wait 30 days and check report again. Waited 30 days and items were still on credit report. The attachment is what I pulled off the county clerk site clearly indicating my parents are the correct party. Not myself. My name is XXXX XXXX XXXX, I am not married. XXXX XXXX and XXXX XXXX XXXX are my parents and who have the liens and judgements

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 2016-02-19 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:
I HAVE FILED 3 TIMES TO THEM THAT I HAVE NOT APPLIED FOR CREDIT I WAS IN THE HOSPITAL FOR 3 YEARS IN ICU AND SOMEONE HAS MY SOCIAL SECURITY NUMBER AND A COPY OF MY DRIVERS LISC WHERE I HAD TO FILE FOR ANOTHER DRIVERS LISC, I WILL BE FILING A XXXX DOLLAR LAW SUIT AGAINST THEM I WANT ALL THIS OFF MY 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 2017-03-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Credit report XX/XX/XXXX : they have still not deleted hard inquiry for XXXX done XX/XX/XXXX ; They did not delete soft inquiries XXXX, XXXX, XXXX, XXXX, XXXX, all done XX/XX/XXXX ; they did not delete fraudulent address XXXX , XXXX, CA XXXX & same address with XXXX ; they did not delete fraudulent employer address XXXX and fraudulent employer XXXX from XX/XX/XXXX. ORIG REQUESTED ALL XX/XX/XXXX with Notary documents and affidavits.

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 2016-12-27 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Based off the fact that EXPERIAN has yet to forward any documents to me, show me any proof, and the fact that its already been 2 months so they have CLEARLY violated Section 611 ( 5 ) ( A ) and continue to show there blatant disregard for Federal Law. 
Enclose are all accounts and account numbers. If you need any other information please feel free to contact me.

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: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
There is a mortgage and other credit information that is not mine on my credit report. There is a woman that has been using my credit fraudulently for over 17 years. She has several collections that show on my credit report. I would like them removed. She has a couple different names showing.

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 2016-01-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I disputed this creditors reporting previously and experian will not let me dispute it again and i have changed the reasons.This creditor was included in my bankruptcy of XX/XX/XXXX but is using a filing date of XX/XX/XXXX and showing a co in XX/XX/XXXX.This is a violation of federal law and violates my discharge and automatic stay and confirmation rights.Therefore this is an incorrect entry and violates the facta and fcra. A co means they charged it off but they filed for payment in the bankruptcy so can not be a co either way.Filing date and discharge date are reported on this report so how did experian verify this creditors reporting for my dispute and not referance their own report.So their investigation constitutes fraud and this creditor committed fraud because they were served by the bankruptcy court of the correct dates.So i ask the cfpb why and how can these entities continue to break the law without consequnces.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To whom it may concern Checking my credit report the other day I found some items that I would like cleared up. 

First I 'd like to address the XXXX XXXX ... This was included in our Bankruptcy which was final XXXX XXXX 2013. I 'd like to have it removed from my Credit Report and considered dissolved under our Bankruptcy. 

Next ... 
XXXX XXXX XXXX XXXX is paid in full. This was supposed to be paid by our insurance Company but they did n't want to pay 100 % .We fought this and lost. 

Next ... 
XXXX This debt also was included in our Bankruptcy and I would appreciate if this item can be removed from my report. 

Next ... XXXX XXXX XXXX .... 
This Debt was paid off not by Bankruptcy! We paid this off all the way to the final Payment. No Bankruptcy Discharge on this debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22 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:
I tried to order my XXXX credit reports through XXXX on XXXX XXXX, XXXX. I was able to get my XXXX report right away. I could not get my XXXX report because I may have answered a loan/credit card question wrong that had occurred in XXXX ; this cut me off from getting both my XXXX and Experian reports. 
That evening I called XXXX to see if I could get my reports through their automated system. The system said that my order was complete for my XXXX free credit reports and that it may take up to 2-3 weeks to receive. 
In the middle of the third week I tried to call them to see what the delay was and to see if they were EVEN on the way. I 've been over their site, over the XXXX credit reporting agencies and there is no way to talk to someone about this without sending something in the mail to them and waiting even longer for communication. 
I finally talked to someone here at the CFPB to see if she could find any contact info so that I could talk to a live human. The only thing she finally found after 10-15 minutes was a number for XXXX. I finally talked to a human and she would not allow me to get my reports and told me to write a letter ; what good is that going to do when I have tried on-line and by phone. 
Here it is now, 4 weeks since ordering my reports by phone and they are still not here and there is no human for me to discuss this with. I even tried an old phone book of mine that had the XXXX credit reporting agency 's numbers. XXXX rang and then went dead and Experian 's number tells you to go online ; still ... .no human contact to solve this matter. 
I have a letter of Full Faith and Credit from the Secretary of State- XXXX XXXX , but ca n't even get my own 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 2015-04-25 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:
After submitting the request information at annualcreditreport.com, each of the XXXX credit bureaus claimed they could not provide my reports. When I attempted to submit a comment/complaint, the site claimed it could n't even accept a comment. This is a scam. I viewed my credit report at my credit union today and I KNOW what information they have. But in order to get a copy of the report, they want me to provide them with information I know they do not currently have. I am not willing to play that game. They owe me a copy by law. How can I force them 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 2017-02-06 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Receiving unwanted marketing/advertising
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I went online to order my credit report with Experian. The site made it look like I had to pay {$1.00} to receive my report - so I entered in my debit card number. They enrolled me in some type of monthly service and charged my card {$21.00}. I called to ask why - they told me and I stated I never wanted nor do I need that service. XXXX XXXX stated he would cancel. I asked for a refund and they refused to give me a refund. XXXX XXXX stated it was " against company policy ''. This is exactly what you fined XXXX & XXXX for in XX/XX/2017. I believe you called it " Deceiving consumers into enrolling in subscription programs ''.

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 2016-03-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
i have contacted exsperian about a civil case on my credit report that does not belong to me and incorrect addresses that do not belong to me and they will not remove them.they keep importing incorrect information of persons with a similar name and placing them 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 non-monetary relief
Consumer complaint received 2016-10-12 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: UT

Complaint narrative:
I have disputed error 's on alleged collection accounts that are reporting negatively on my credit report. I have tried my best to contact all parties. I can not dispute online on any of the XXXX major agencies website. I was denied a home loan XX/XX/2016. Because of this inaccurate data reporting. how come the XXXX bureau 's websites can stop allowing me access. also in the dispute process most accounts were updated against my wishes. is it legal to change an accounts payment history?

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 2015-11-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
All XXXX credit bureaus list XXXX state tax liens as active ; however these liens were both released by the state and I have a copy of the release documents from the state.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I contacted all XXXX credit report agencies -Experian , XXXX , and XXXX regarding a medical bill ( credit agency : XXXX for originally {$290.00} ) that is not mine and that I have no recollection of it. After the investigation by the credit reporting agencies, XXXX and XXXX both removed claim/charge from my report, except Experian. Experian stated by telephone and through mail that the claim is valid. When I asked how it was valid, they could not explain. I have asked XXXX different representatives, by telephone, how the claim is vaild and no one could provide me a " valid '' answer, except that " it 's valid ''. I made this dispute 3 times through Experian. Also, the original claim/charge from the credit agency was {$290.00}, but it is now {$310.00} because the credit agency claims that there is daily or monthly interests that will continue to be added until it is paid. When I explained to Experian that how could they allow the credit agency to continue to add interest to the account, when in the state of MD, interest from credit agencies on medical claims is illegal. One Experian represented stated that they have no control over that. I then stated that now the claim is invalid and now illegal because they are also charging interest on an original claim that was first displaying {$290.00}. I would like for Experian to show proof that I owe this claim since they claim it is " valid '', what proof did they receive the credit agency to claim such validity, and why are they allowing a company to keep reporting interest on a claim to them. I would like it removed my credit report, as I have no recollection of this charge being mine.

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 2016-10-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My credit score as produced by Experian and reported by XXXX is incorrect. I filed a complaint ( case # XXXX XXXX with your agency to force XXXX to report the correct information to Experian. XXXX sent me a letter dated XX/XX/2016 XXXX page # XXXX of enclosure ) verifying my student loans are paid off. Furthermore, a representative from the office of the consumer advocate, XXXX, phoned me on XX/XX/2016, to confirm that my " zero balance '' was reported to Experian. However, my credit score is showing " the balance amount paid down on your open student loan accounts are too low '' ( seep page # XXXX and # XXXX of attached ). This information is false/inaccurate as my loans were paid in full as per the Navient letter dated XX/XX/2016 and as confirmed by the XXXX advocate on XX/XX/2016.

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