vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-20 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 requested my free annual credit report from the XXXX companies but was able to only access XXXX ( XXXX ) and it was full of incorrect information, appearing as if me and someone else got their credits combined. I called XXXX to dispute the information and they started an investigation. I was unable to get a report from XXXX and Experian because the security questions they asked me to access that information was full of information that I did n't know ( such as addresses in Florida that I never lived at or account numbers from someone else ). It does n't appear that my credit was tampered with or anything stolen but obviously there is a big mix-up. 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 2016-12-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I file a dispute with XXXX XXXX account that are closed with XXXX balance. Because this account has been settle years ago and still has a negative impact on my credit report. Because this is a 7 year old account and XXXX agreed to remove these account off my credit report. Reference # XXXX. I did file I new dispute with Experian but I know they do not update right away and they do not follow creditor request. So I am filing a complaint so it is recorded through this system. XXXX mail out letterhead to me I should receive it within 7 business days and if it is not removed I am going to file a new complaint with it. I asking Experian to follow Creditor request. They are the one who reported it in the first place.

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 2016-09-17 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
After paying an initial XXXX dollar for my " free credit report '' through Experian, I was secretly enrolled in a monthly service where I was billed XXXX a month starting in XXXX 2016, I NEVER agreed to do this, in fact they automatically enrolled me in the program without letting me know and never sent a single billing statement, they simply begin billing my debit card for that amount. Experian then raised the amount to XXXX in XXXX again without ever letting me know in any way I was paying for anything. Completely unrelated my bank sent me a new debit card as my old was expiring, somehow Experian GOT my new debit card number and began charging XXXX for this secret service I was enrolled for. I called them when I discovered this charge on my checking account on XXXX XXXX, 2016 and immediately called them to get my money back and cancel this account, they only refunded me a single month back and said I was liable for everything before this because I agreed to this. I never agreed to anything like this, their practice of keeping everything to themselves just proves they were manipulating me the entire time. How is this legal or fair? If a private person was billing someone 's debit card without their knowledge or consent that would be credit card fraud! But because they are a credit reporting agency they can get away it? I am not alone, I googled this scam and hundreds of people are being ripped off by it. I filled a fraud complaint with my bank as I think these charges are ridiculous and fraudulent but I want Experian to be held accountable with the federal government.

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

Complaint narrative:
I have disputed the information with Experian regarding XXXX XXXX XXXX and the incorrect status of my account. Experian did not reply, but when I attempted to dispute it again, it said that I could not because it had already been verified. I sent letters directly to XXXX XXXX XXXX and they have not responded with complete documentation either.

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: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have sent several requests to Experian requesting an investigation of my accounts. It has been months and I still have not received a response to my concerns. The only thing I have received is some automated rejection letter stating that they wo n't do anything to help me ( please see attached ). 
This has to be a violation of my rights. I feel like I 've already wasted so much time just trying to get Experian to look at the errors on my credit report and I 'm so frustrated that Experian is intentionally not responding to my inquiries. I need to have this issue resolved immediately. There are many things I need to do with my life and they all involve my credit. But I am not able to move forward all because of this credit bureau!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX

Complaint narrative:
We have a loan with One Main Financial that is partially secured by a vehicle that we own. Recently, we experienced a bit of financial hardship and fell about a month behind. We received several calls and a few letters from the creditor. I finally spoke to XXXX at the OMF branch that is closest to us and scheduled an appointment to refinance the loan. She said she 'd call me before the appointment to confirm but she never called. The following week someone from the company contacted my brother, a reference listed on our loan, and told him that they were going to repossess the vehicle if I did not pay on the account. We scheduled another meeting with XXXX and went in to discuss the loan and what happened regarding the contact with my brother. She said that they determined that the person who made this call was terminated as they found that she had done several other things that were not permitted. At this point, XXXX said that they could remove our vehicle from the loan as collateral and refinance the loan without it. We told her that we wanted to confer with an attorney regarding our rights surrounding the violation of the FDCPA. The attorney suggested that we go ahead and refinance the loan with OMF since they were willing to remove the vehicle as collateral. I contactded XXXX again to advise of the findings from our meeting with the attorney and she advised me that they would not be removing the vehicle from the loan and could only refinance the loan with the vehicle still listed as collateral. I have a recording of our full discussion where XXXX said they would remove the vehicle as collateral as well as the conversation about the employee who was terminated for the violations that were discovered.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
My report says I have about XXXX differant XXXX XXXX accounts. Wrong. I payed off, all durfing XXXX. I have XXXX XXXX credit card XXXX. Then We have XXXX that I only use, it is XXXX XXXX XXXX. I had XXXX XXXX XXXX, that is paid off and only XXXX.That is XXXX XXXX-XXXX.It was closed XXXX/XXXX/2015. But my XXXX XXXX shows about XXXX XXXX ones. I do not have one.Maybe sonmeone else is using my name. Please help me.Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Law Offices of Marvin S. C. Dang, LLC
State: HI

Complaint narrative:
I previously had a complaint submitted. My Submission number : XXXX when I called the the XXXX number I was informed by a female who answered the phone they ca n't provide any information on the complaint and that i need to resubmit another complaint. I received a debt validation letter from attorney XXXX office who represents XXXX XXXX, XXXX. Account Name : XXXX XXXX and Original Creditor is XXXX. XXXX XXXX and his client has the name under XXXX XXXX. I sent XXXX XXXX several certified letters requesting any documentation that has a loan made under XXXX XXXX. I do n't recall making any loan under that name with XXXX. I was a victim of identity theft and just want to make sure that XXXX XXXX and his client provided the proof of documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I had a property in XXXX, Oregon with a mortgage with XXXX Bank of XXXX. An XXXX Deed was filed on XX/XX/XXXX. Per the recorded XXXX Deed ( deed in lieu of foreclosure ), the bank owned the property as of that day. XXXX XXXX Bank XXXX Indiana sold the mortgage to XXXX Bank. XXXX Bank ignored the recorded XXXX Deed, and proceeded with foreclosure of a property that is already owned by the bank. I attempted to contact XXXX all XXXX credit bureaus multiple times, and was unsuccessful in getting any of them to respond and properly report the mortgage status on my credit reports. It took XXXX XXXX YEARS to finally finished the foreclosure of a property they already owned in XX/XX/XXXX. At that time, the credit bureaus updated my credit report ( 5 years after the recorded XXXX Deed ) that the mortgage was foreclosed. The incorrect handling by XXXX and the XXXX credit bureaus have caused significant impact to my credit standing and ability to obtain loans.

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 2015-11-24 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 any of 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 2017-01-27 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
experian has taken too long to send me results of my disputed negative acounts

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 2015-09-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have some accounts on my credit report that are not mines. I can not dispute online per Experian. Experian is not questioning these accounts just saying they are mines. I have a lot of inquiries I have disputed they wont remove but yet put a fraud alert on credit report. 
Account XXXX ' XXXX XXXX XXXX, shows on credit report as a charge off not once but XXXX. Both accounts should be deleted. Both are wrong. 
Account XXXX XXXX XXXX, opened in 2006 should have been deleted due to age of account more than 8 years old and information is incorrect. This account was deleted by XXXX. 
Account XXXX XXXX, this is not my account. 
Account XXXX XXXX, account on this report should be deleted. I have a XXXX for them. ( attached ) Account XXXX XXXX XXXX, This account is paid in full not a charge off. 
Account XXXX XXXX XXXX, account not mines and has been deleted by XXXX . 
XXXX account is not mines and have dispted with experian for the last 5 years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Re : XXXX XXXX XXXX, Account # XXXXI was a victim of a personal check fraud. When I was finally able to resolve the issue with the collection agency and submit the deletion letter to Experian via its online system, within an hour I have received an email stating that they have verified the account and it belongs to me. I have a deletion letter from the collection agency stating that this account has been closed due to fraud. I am just asking Experian to review the information properly and remove the account from my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-23 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: FL

Complaint narrative:
Requested credit score for the first time this year from Experian and was charged {$4.00} to view my score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
All XXXX Credit Bureaus are reporting Credit Accounts discharged in bankruptcy in XXXX of 2010 as derogatory credit. I have contacted the Creditors and they refuse to stop reporting the credit account as adverse/derogatory as well. 
This is a violation of the Federal Bankruptcy reporting laws and is negatively affecting my ability to obtain credit. It is also a false/fraudulent reporting of the status of my credit since the bankruptcy closure. 
The outsourced phone rooms handling the 'collections operations ' and credit bureau reporting do NOT understand US Bankruptcy law. The " Creditors '' blame the " Credit Reporting Bureaus ''. Neither entity can nor will accept responsibility for the fraudulent/false reports nor will they correct the reports. 
I have perfect credit since my bankruptcy and wish to increase my scores. They are making it impossible.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX is my current lender. I filed Bankruptcy in XXXX and discharged in XXXX XXXX. My credit report is incorrect. I am trying to refinance my home and because of this inaccurate reporting I 'm unable to move forward. They have not filed any payment history and recorded my bankruptcy as XXXX XXXX. I have remained current on my payments with them since my bankruptcy discharge which reaffirms my debt. I have requested in writing, calls, faxes to have this fixed on my credit report with XXXX as well as Experian, XXXX and XXXX to no avail. I have attempted three times with all supporting documentation ( Bankruptcy Discharge dated XXXX, payment history, credit report showing inaccurate information ) and neither XXXX nor the credit bureaus are willing to help. Both point to each other that it is their responsibility to correct this on my credit report. I desperately need assistance in having XXXX be added to my credit report with the correct payment history and correct BK date of XXXX XXXX. I can provide all supporting documentation to you if needed. I appreciate your time and assistance and can be reached at XXXX. 

Kind regards, XXXX, VA 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 2016-03-23 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Experian.com continued to bill credit card for 3 months after account was cancelled the second day after trial period and the account not accessed or used by the consumer at all during any of the time billed. Experian.com is utilizing deceptive practices to continue to bill consumers XXXX for its credit monitoring services and not cancelling the service upon request.

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 2015-12-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There is a civil judgement on my credit file which is not mine

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 — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am unable to get loan approval because XXXX XXXX XXXX / account number XXXX is showing the verbiage " Account Information Disputed by Consumer ''. I am not disputing this account and demand that the statement be removed from my credit file ASAP.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-12 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 disputed XXXX incorrect addresses reporting on my credit with Experian over the last few months. However, I have not had any successful with getting these incorrect addresses removed. So, I need your assistance in getting this matter resolved. The incorrect addresses are : XXXX XXXX, XXXX, GA XXXX XXXX XXXX, XXXX, GA

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 2015-06-10 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear Sir\Madam : My Experian Member # XXXX. 
On XXXX XXXX 2015 i visited Experian website to order my XXXX credit bureaue reports and today ( XXXX XXXX 2015 ) when i checked my credit card statement i was taken by surprise that i was charged additional {$23.00}. So i called Experian and learnt from them that this charge is about membership credit monitoring that i did n't authorised nor i enrolled myself. They mentioned that it is automated enrollment and only gives 7 days to cancel. you can not force consumer for auto enrollment without there consent and it is fraudulent malpractice company like Experian uses to extort money from consumer without there consent and knowledge. 
Foremost, auto enrollment is been forced where many consumer like me are taken by surprised and should be stopped and this kind of hidden game should be stopped immediately and full refund should be given to all consumers who became victims of there scams. Experian should penalised heavily to teach them lesson. 
I hope that CFPB is for consumer and not for company like Experian. 
CFPB are our last hopes that many consumers like me depend on. 
Please kindly look into it and help me to get my refund. 
Doing so is greatly appreciated. 
ThanksRegardsXXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
They have my address and phone number wrong. They did not have my employer, and took adverse action based upon a hard inquiry check which is being disputed.

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