vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-28 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 submitted the online form to request my credit report annually at the very end was denied access to view my report and was given instructions another options to view

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 2016-04-12 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I noticed that my XXXX score reported by Experian XXXX to XXXX XXXX XXXX had dropped almost XXXX points between XXXX and XXXX ; however, I am in good standing in all of my accounts and pay my credit cards in full every month. So I called the number provided by Experian in the report to ask. The phone menu provided me options to ask about my XXXX XXXX credit report or XXXX ) XXXX score, so I selected ( XXXX ). XXXX, the female Experian employee I spoke with, repeatedly apologized and told me that they do not know anything about XXXX scores, was not sure why the option was in the menu, and can not help me or direct me to anyone who could. She could also not enter a dispute. I asked her to direct me to the Experian department that could help me. She placed me on hold to speak with a supervisor and then provided me with a phone number : XXXX. She confirmed that this was a department from within Experian who could assist me with my XXXX score dispute ; however, I called and it is a paid credit monitoring service that also is not able to help me. They advised me to find and hire a XXXX party local advisor. I believe that if Experian is reporting my score, it should take responsibility and be able to provide answers or justification on how and why a score can drop suddenly with no recent adverse activity.

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 2015-05-10 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I was charged by Experian every month for membership that I did not agree to. I signed up for a 1 dollar credit report and instead I was charged {$22.00} a month for five months. I never agreed to this. Experian stole around {$88.00} from me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have contacted Experian on a number of occasions to inform them that US Dept of Education Account is reporting inaccurately 3 times on my credit file. The account is showing Derogatory status and this account is currently being paid as agreed. I will like for them to change this derogatory status. The account is showing as KD and it is not. I am paying them every month ontime according to their payment agreement.

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 2016-03-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
By law the Credit Reporting Agency is required to investigate and validate all accounts reported on a credit report ... .they should be able to supply to person 's name who entered the information ... .the actual contract or physical proof that is in their files to support the information being reported, yet, they refuse to investigate and verify properly.

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 2017-01-04 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:
Experian is knowingly and willfully placing erroneous and fraudulent information on my credit report. I have sent them the proper paperwork, that shows them the information they are listing on my credit report is fraudulent. 
Experian has somebody else social security number listed on my credit report. Experian has some body else child support account listed on my credit report. Experian has XXXX addresses listed on my credit report, that I have never lived at. Experian has XXXX misspellings of my name listed on my credit report. Experian has XXXX telephone numbers listed on my credit report, that are not mine. 
I have disputed all this information via mail with Experian. I have sent them the original copies of the proper documentation to remove this erroneous and fraudulent information from my credit report. They still will not remove it. Please make Experian remove this erroneous and fraudulent information 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 non-monetary relief
Consumer complaint received 2017-01-21 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: MORGAN STANLEY & CO. LLC
State: MD

Complaint narrative:
XXXX XXXX and his associate, XXXX XXXX, formulated a financial plan designed to preserve and raise enough money so that I could retire and live comfortably by XX/XX/XXXX due to serious medical considerations. I fully trusted them to manage my accounts and assests. However, since XX/XX/XXXX, they have lost well over {$60000.00} of my money -- {$43.00}, XXXX of this was lost in the first 11 months of XX/XX/XXXX, when the market was up. During this time, they also charged me over {$17000.00} in fees. 
I have had XXXX financial experts reveiw my accounts, and all agree that there is no explanation or justification for such massive losses in an up year. XXXX XXXX took " big bets '' puttig my money in very risky funds in amounts as big as {$20000.00}. During the course of our work together, he represented to me over and over via email on the phone that the funds, ETFs, and stocks he was choosing for me were appropriate for my short time frame and small amount of savings. And, he was aware of my need for the money for medical care. Still, he took huge risks, that lost money, with my funds. The horrid losses from my accounts in a year that the market did well speaks to the obvious neglect and inappropriate management of my accounts by XXXX XXXX. I called multiple times in XX/XX/XXXX to express my concerns to XXXX XXXX, and he told me just to trust him. We also had email discussions. On XX/XX/XXXX, I sent a letter to XXXX XXXX, the Branch Manager for XXXX XXXX office, and to XXXX XXXX outlining my concerns and complaints, and requseted to discuss a fair an equitable resolution. I have followed up by email three times now, and I have only received the comment that Morgan Stanley is reviewing my letter. As of XX/XX/XXXX, over a month later, I have no substantive response or willingness to engage with me in any dicussion.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been trying to get XXXX XXXX XXXX and Experian to list my mortgage payment/history but neither will get it done. I have sent letters to both and and have talked to my bank rep. Because the information is not making on to the report my score is much lower than the scores of the other XXXX agencies that do report it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-04 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: TN

Complaint narrative:
I made my request for my credit report via the XXXX website. Experian refused to provide me my report online and stated that I would have to mail in additional verification. I then went directly to their website and chose an option that required me to pay them for the service, and they immediately provided the report after I paid the fee. 

It is very obvious that they are intentionally circumventing my right to receive a free copy of my report and attempting to get me to pay for their service by refusing to provide reasonable access to my report if I do n't choose their premium service.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-05 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:
Hi there, I have a complaint against Experian Credit Bureau. I have been paying for the credit services that they offer to track my credit and score for the past year. I have paid all of my bills on time and for some reason I do n't have a score with Experian but I have one with XXXX and XXXX. I am trying to obtain a loan and I am being denied because the creditors pull credit from this particular bureau.

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 2016-05-18 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Io, Inc.
State: VA

Complaint narrative:
Receivables Management Systems ( original creditor is XXXX XXXX ) continues to report I owe them money, however this account does NOT belong to me. I have asked them to remove this several times, it was removed on XXXX XXXX, 2015 & was put back on my credit report in XX/XX/XXXX.

Company response to consumer: Closed
Consumer complaint received 2016-11-04 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: MI

Complaint narrative:
Ca n't get my annual free report from Experian online. Gives bogus response that it ca n't pull file for security, this is a lie, since the other credit bureaus can. They just want me to sign up for their own overprice {$20.00} a month service. They have done this continuously year after year and I am sick of it that they are premiered to get away with it. I am not going to send them anything additional in the mail when XXXX and XXXX can give my report right away with no problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: R J Baucum Enterprises, Inc.
State: TX

Complaint narrative:
I do not know where these XXXX accounts came from but they have a recording call my husband and myself about 4 times a day each. There are XXXX accounts apparently with this company. XXXX was for {$73.00} in XXXX XXXX, 2011 and XXXX is for {$120.00} showing the date as XXXX XXXX, 2011. They call everyday of the week including Sundays.

Company response to consumer: Closed
Consumer complaint received 2016-04-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX is mis reporting to Experian a collection that is 7 years old. It is a reporting a balance of {$500.00} with a date of last activity of XX/XX/XXXX in error.

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: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
This charge resulted from XXXX charging a restocking fee for merchandise that I refuse to accept. The merchandise had electronic components and they were involved in a vehicle impact. Electronic parts a very sensitive. When they are involved in a accident, damage may not be visible to the eye and can not show up for weeks/months. 

I refused the product and XXXX XXXX issue payment against my advice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-20 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
i disputed XXXX accounts with experian and they ended up sending them back verified, so under my right under the fcra i had sent in a letter certifed mailed wanting a summary of how the got the information to actually verify the account, under the fcra law they are required to provide the consumer with a description of how the investigation was conducted and what resources they used to verify the accounts, the fcra code is ( FCRA Section 611 ( a ) ( 7 ). ) it states that they have to provide this information no later than 15 days after they receive my request, and they clearly did not all they sent me back was there letter saying they will not investigate these accounts again so as of now i am 100 % positive that they are in violation of FCRA Section 611 ( a ) ( 7 ).

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 2015-11-01 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
Continued security issues caused by inappropriate policy promoting identity theft within the company. ( First reported XXXX/XXXX/15 ; problem still exists ). On XXXX XXXX, 2015 I called Sears Mastercard because XXXX my card had been declined by Sears even though the account is in good standing. The CSR asked for my " personal password '' and even though I know this is illegal & I addressed this issue back on XXXX XXXX, 2015, I went ahead & complied with the request. I was then advised by the CSR the password I gave was incorrect ( it was not incorrect ) & that I should be giving the name of my first pet. Immediately, I realized Sears had not done anything to address my complaint dated XXXX XXXX, 2015 as they were still practicing a policy which jeopardizes the security of their customers accounts by asking inappropriately for a personal password when what they really want to know is the " Secret Question '' answer. The CSR 's are not asking the questions appropriately. I advised the CSR of this & was told this is the script they are told to go by. Yes, this happened in XXXX 2015 as well. I advised the CSR to please mark the account that I am officially complaining for the second time this year about their policy, because now I complied with their request to reveal my password only to be told that it was not what they wanted to know. What that means is a ) I now have to change my password ; b ) they never fixed the problem ; c ) they are promoting identity theft ; d ) they are not securing my account, but instead are jeopardizing it ; and, e ) Sears is proving it can not be trusted to protect the accounts of its customers. Since this has happened before, this has to be taken seriously, because their Customer Service department is not listening or taking initiative to solve the problem. Therefore, I am taking serious action. If this issue is not resolved I will take this to the media and advocate a large scale investigation of this banking institution for potential fraud against it 's customers. It is very clear to me that Sears does not take security seriously. They might as well stop trying to say that they do, because they are not doing anything to help the situation. As it turns out my account should never have been flagged for potential fraud. They were only harassing me. Ultimately, I am glad it happened, because it allowed me the opportunity to catch them in the act of just how under-protective of my account they are. I can not believe they would ask for a password knowing that a Customer can actually give them the password trusting them to handle the situation appropriately. Then when you give them the password, they reveal they did n't want the password ; they wanted the secret question. Again, this is XXXX totally different things. Unacceptable. Seven months has passed since this was first reported. Nothing has changed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18 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:
Applied for a mortgage, the process is going slowly ( nine months so far! ) and the lender has checked my credit report probably six times for the same loan. Experian is now claims that my credit score has lost XXXX points ( it was XXXX, it is now XXXX ) because of " too many inquiries ''. This lender checks my credit constantly, and my FICO score goes down each time. 
I tried to get an online credit report from them, it downloaded, but my computer crashed, and everything disappeared. I wrote to Experian to get them to send me a hard copy and they have completely ignored me. 
I ca n't even defend myself - I have lost XXXX points off my FICO score for no reason at all, and nobody seems to give a XXXX. I have never been late on a mortgage payment in my entire life ( and I 'm XXXX ), and have n't had a 30 day late since 1972. It is n't easy to get an XXXX FICO score, and I do n't want to lose it and pay extra interest because Experian ca n't be bothered to fix the credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-07 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: TN

Complaint narrative:
i requested my credit score in XX/XX/XXXX and was told that I had to submit to providing information to show who I am. I have submitted my state id and my social as well as my address. I have yet to receive my information. Instead they have placed me on credit fraud alert and sent me the information for me to send again

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 2016-09-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Regarding : XXXX XXXX Consumer Line of Credit ( Acct. No. XXXX ) Experian is incorrectly and inconsistently reporting the XXXX XXXX payment for the above-mentioned account. 
The payment for XXXX XXXX is reported as follows : Paid and Late & gt ; 30 days and Current and Opened in XXXX XXXX and Opened in XXXX XXXX. 
An investigation was initiated in XXXX XXXX, by me, to correct this information ; however, Experian did not update and correct the report. 
The account should be reported as paid in XXXX XXXX, opened in XXXX XXXX and current. 
I have requested that Experian delete the XXXX XXXX payment information, in a written requested dated today, 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 explanation
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: NC

Complaint narrative:
Experian is listing a credit collection account ( XXXX XXXX XXXX - Acct # XXXX ) that does not belong to me. I would like to have it deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-30 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: MI

Complaint narrative:
I did not get my Experian credit report. i received XXXX and XXXX. I should have gotten all XXXX at once. I had trouble in 2016 also. I want my Experian credit report mailed to me as I am in bankruptcy.

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 2015-08-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have been trying to get Experian to make the appropriate changes to my XXXX XXXX account since 2013 because the account history information is inaccurate. I 've provided proof of payment, which reflects the month and year and still no change. Instead, of making the corrections, Experian added additional inaccurate account history information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a veteran, I have recently moved to the state of Georgia. The following inquiries appear on my credit report. The inquiries were made without my authorization. Please delete or remove the inquiries promptly within 7 days. I am a victim of someone inquiring without my permission.

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