vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I had a secured credit card with XXXX XXXX for several years and then I was issued an unsecured XXXX XXXX XXXX card. Since I had the unsecured card, I did n't feel it was necessary to have the secured account any longer and I requested that XXXX XXXX close the account. The account was always paid on time and I was never late. As soon as I requested the account to be closed, my credit score dropped tremendously. I am in the process of trying to qualify for a home loan and I think that is totally unfair for the credit bureaus to have that much control and could virtually cause an individual not to be able to purchase a home because they paid off and closed an account. Does n't make sense at all.

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 2016-04-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Statebridge Company
State: PA

Complaint narrative:
I had my XXXX mortgage with XXXX for the past 10 years and have not had to pay a fee to make online payments. My loan was recently sold to Statebridge Company, LLC. XXXX charges a {$5.00} fee to make online payments. I called to inquire about having this fee waived and I was told that they are unable to waive it unless my Mortgage Note states that there is no fee to make payments. Being in the mortgage industry myself, I know that Mortgage Notes do not state such information. I would like the {$5.00} fee to make online mortgage payments waived indefinitely on my loan # XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I was constantly getting harassed on my cell phone and at my former job by this company. Not only would they continue to call after being told to stop, they would call from a different number. They have called me from at least XXXX different numbers and over 100 calls. I paid this just to stop the harassment not even knowing if the debt was mine or not. When I actually looked into my credit and asked for debt validation, all I get is my name and an amount owed, which I have no idea about.

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 terms
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I responded to an online Ad for a free consultation with California XXXX. I had an appointment and signed an agreement to accept their services. Their contract has 3 days right of recession which I exercised to cancel. Based on my understanding and calculation 3 days cancellation right ended on XXXX business day from the time I signed not including week-ends. I was not aware or told they include Saturday as their business day. After few attempts to collect the full amount and my refusal to pay for unearned services they reported the incident to the credit agencies. Their actions have tarnished my credit rating unfairly and unjustifiably.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
A mortgage that was terminated by a Deed-In-Lieu agreement with the credit union is being reported by Experian as a foreclosure. Additionally Experian is reporting that the deed was not received by the creditor until XXXX 2014 when in fact it was received in XXXX. Separately on the same report, Experian is reporting my home address as a commercial address adding a fraud warning about this. Several attempts have been made to have the information be reported correctly, including sending Experian a copy of the Deed-In-Lieu, however Experian refuses to remove the incorrect information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I check my credit report with Experian regularly and there is a negative account on my report. I have disputed this with Experian but they say that they can not see this on their end but it comes up on my credit report and they have not fixed it. I always ask which account is negative and they can not provide me with an answer. Every time i dispute this with Experian they ask which account it is that i am disputing. I have no access to that information because on my report it only says that i have on negative account but it does not tell me which account is negative or by who. I am frustrated as i have been disputing this for more than 3 months already.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
An account was deleted because it was inaccurate and not verified. It has been re-added without notifying me and without proper verification.

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 2016-08-25 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
This afternoon XXXX XXXX 2016 I called Experian after learning from credit monitoring that my credit score had changed. My XXXX score is very low. The credit monitoring service found several inaccuracies such as my XXXX XXXX auto loan was not reporting and has several dispute codes. I called Experian and spoke with XXXX XXXX and she advised me of the dispute codes that will cause " THE CREDIT SCORE TO NOT FACTOR IN WHEN A DISPUTE IS ACTIVE OR CODED AS CONSUMER DISAGREES ''. I said to her, I did not initiate those disputes and did not recall ever asking XXXX XXXX to dispute them. I asked her to remove them. She told me she could not do so, and said that I would need to speak with XXXX XXXX. She transferred me to his voice mail and got disconnected. I called Experian again and spoke with another individual and asked me for my report number. Rudely, he said he could not transfer me over to special services unless he received my report number. He then transferred the call to special services ( XXXX XXXX ) and the call got disconnected again. Afterward, I called XXXX XXXX senior council at Experian to advise him of the disconnected phone calls. 
The CFPB and its agents must realize that Experian special services is not providing adequate assistance when addressing credit inaccuracies when I find them, instead they make other mistakes causing fluctuations in my credit score and XXXX scores. I believe this is illegal and perhaps as a business practice should be investigated by the CFPB. It is unlawful to compile and disseminate information to manipulate credit scores. There is also reason to believe that Experian does this to many other credit reports and consumers as a practice of lowering credit scores.

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 2015-12-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX is claiming owner ship of my morgage. 
my morgage in the XXXX district court is owned by XXXX XXXX. 
Even though I have never received a transfer notice as required by law frim XXXX XXXX. 
please find with this complaint copies from the XXXX district court snt to me by XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-27 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am filing this complaint because Experian has ignored my request to provide me with documents showing proper validation for negative items reporting on my credit report. Instead they sent a letter stating that certain items were verified with the original creditors, but where is the PROOF??? I am aware of my rights under the FCRA and Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That basically means that you ca n't just verify my account by telling me it is verified. Nor can you verify my account by telling me you contacted the creditor and the account I disputed is " Verified ''. This means that IF you ca n't send me proof of these accounts from YOUR COMPANY, it must come off. Please make sure that XXXX abides by the law and provide documentation or delete immediately. 

Account Name : XXXX/ XXXX . Account Number : XXXX ... 
Account Name : XXXX XXXX XXXX Account Number : 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 2016-08-15 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Caliber Home Loans, Inc.
State: GA

Complaint narrative:
In XXXX 2016, I reached out to a Caliber Home loan processor to see if I would qualify for a home purchase because I had home previously and had to file bankruptcy. After an in-depth phone interview. I was told to provide all information that was discussed, I did. The loan representative sent me a total of 3 different preapproval letters, non of which turned out to be accurate, as I was n't preapproved. After a great deal of searching, in XX/XX/XXXX, I found a home and wrote a contract, which the loan officer acknowledged. My closing date was scheduled for XXXX/XXXX/16. During this period I continued to provide information as requested. As I got closer to the closing date without any communication from the loan officer, I sent an email to request information about if the closing was set. She finally responded back to me letting me know that my loan had been suspended. I had to contact her because apparently this was n't important enough to call, send an email or text for. The day before I was supposed to close I get an email that states the underwriter has my information and she is expecting approval the following week. The day I was supposed to close the loan officer says the underwriter wanted another letter from student loans, which would have taken 30 days at a minimum. Additionally, the seller was only willing to give two weeks extension at a significant financial penalty. I was out of money and had nowhere to go. I thought that all of this had been looked at prior to issuing me a preapproval letter. 
I reached out to a different banking loan processor and provided same information that was given to Caliber Home Loans and in one week ( and no money out of pocket ) I was told that according to new regulations I did n't qualify to make a home purchase. I needed to wait at least another year. I feel like this is information the caliber loan officer should have provided me instead of having me payout and lose {$1600.00}. Recently, I have had tried to communicate with Caliber Home Loan corporate office but all I get are excuses and them trying to justify they are right. Caliber Home Loan is trying to make it my fault that the loan officer procrastinated or that the loan did n't go through. I do n't feel as if they did their due diligence. If the rules were changed the loan officer, who is a " professional '', should have made me aware prior to the day before and the day of my closing. At least, if she had, I could have taken advantage of the contingencies built into the contract and received most of my money back. 
This entire experience has caused me and my family XXXX and XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-25 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 XXXX charge account on my credit file that is not mine. I have never shopped or even been inside a XXXX store. I have never opened or used a XXXX account. I have never even heard of them until this appeared on my credit. For a very long time now, I have tried to get this account removed. Experian sent a letter stating that the creditor states its valid. Just like that and its true. Its not true. I mailed a notarized signed affidavit, copy of my license and social security card, and a copy of a police report to XXXX and still they will not remove this account. I have not other accounts in dispute so I dont even believe its fraud. I think XXXX is at fault here. If it is fraud, then I suggest they find out who did this and pursue them. Its funny I have no other accounts that are not mine on my credit. XXXX will not respond to any corresondence at this time. I want it removed from all credit bureaus.

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

Complaint narrative:
Experian credit prepared report dated XX/XX/2015 have us filing Chapter XXXX Bankruptcy on XX/XX/2015 and that grievous error was made. We have NEVER filed for bankruptcy on XX/XX/2015.We have had our credit denied several times because of this report from 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 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 collection agency added a brand new collection to my credit report with a date of XX/XX/XXXX for an amount of {$6100.00}. This original account charged off 7+ years ago and this collection dropped my score XXXX points. I demand they remove this debt from my credit report and stop attempt to collect on it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian update a fraud alert on my credit report but did not send me an updated report as promised. 

We have received a letter from Experian today concerning a " FRAUD ALERT '' placed on my credit report by a financial institution. The letter does not include an updated credit report as promise by your customer service person. I would like an updated credit report as promised.

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 2016-02-02 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
how long does a late payment history remain on a credit? ... i have a acct on all my credit reports from all XXXX credit reporting agencies since 2003 ... NO ONE CAN TELL ME WHEN THE ACCT IS GOING TO BE REMOVED ... I THOUGHT A NEGATIVE ACCT. REAMINS ON YOUR CREDIT FROM THE DATE OF THE FIRST DELINQUENCY ... BUT EXPERIAN INFORMED ME ITS THE LAST DELINQUENCY ... PLEASE HELP THIS NEG. INFO IS RUINING MY CREDIT.I HAVE DISPUTED THE ACCT WITH ALL XXXX CREDIT REPORTING AGENCIES, AND MY CREDIT REPORT HAS REMAINED THE SAME WITH EVERY DISPUTE.THE ACCT IN QUESTION IS A STUDENT LOAN ACCT FROM XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX . # XXXX XXXX, NY XXXX : XXXX XXXX of SS # ( XXXX ) Drivers License : New York # XXXX : Unauthorized Credit Inquiry XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Whom It Concerns at XXXX XXXX XXXX : I have noticed that you have placed an inquiry on my Experian credit file dated XXXX. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to your alleged purpose for doing so since I did not apply for employment with your organization nor did I request credit from your organization. 
Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; '' You are civilly liable to me in the amount of {$1000.00} for your willful violation of the law -- performing a " hard inquiry '' on my Experian file without my permission. I do hope that we can settle this matter amicably. You can remove the inquiry within XXXX ( XXXX ) business day of the receipt of this notice. Or, we can meet in court where you will end up removing the inquiry, paying me the civil liability fine, punitive damages for my score drop, plus court and attorney fees. The choice is up to you. 
Please contact me immediately at the address listed below. 

Sincerely, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I would like to validate all of the debt showing for XXXX, as i do not believe this debt is mine. I have not recieved services for the places listed on the 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 2016-10-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian refuses to remove student loan accounts that have been discharged by the Department of Education on XXXX XXXX 2016. The accounts are with XXXX and with XXXX. Experian is reporting incorrect account numbers on the Dept of Edu/XXXX accounts ; the XXXX account is properly reported as XXXX ... I have attached documents from XXXX, service for the Department of Education, proving that these loans have been discharged and paid in full and at XXXX balance and should be removed immediately 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 2015-08-14 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: OR

Complaint narrative:
I have a security freeze placed on my credit reports with all XXXX credit reporting agencies. When I need to thaw my credit reports I can go to the website of the agency, and using my personal information and a PIN that is assigned to me by that agency, I can temporarily unfreeze my credit so I can apply for credit when I need it. This has worked fine for me until the last XXXX times that I have tried to thaw my credit ( starting in XXXX 2015 ). Now XXXX of the agencies, Experian, will not allow me to thaw my credit online or through their automated phone system. They are requiring me to send to them via US Mail, copies of my driver license, Social Security Card and a current utility bill. This has turned the process of thawing my credit from a simple XXXX minute exercise into a seven day wait and a major inconvenience. I have been unable to contact anyone at Experian to help me resolve this problem.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
my credit report lists a lien, concerning which I have no knowledge. 
I was not aware this was on my report until I recently checked updated credit reports from allXXXX agencies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Lowered my credit score from XXXX to XXXX for no reason. After corrections to my report, my score rose to XXXX and now without any new information it was lowered. I have paid my credit card and car, my report should be gradually getting better. It is a systematic way to slander one 's credit 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