vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-16 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I have had a checking account at Citizens Bank for many years. In the past year the statements are not correct. Last winter I spoke to XXXX different service reps and they could not help. More recently I spoke to another service rep who started to help and then said it was too much work. Lastly I met with a rep who after spending considerable time with me borrowed my ledgers for several days and then said after going over the bank figures and my figures could not find the mistake. There is a difference of about {$200.00} in their favor. I can not close the account until a lot of checks clear or until this difference is settled. Meanwhile I will not do any more business with them. I have opened an account with another bank but I need to take the money out of Citizens.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-26 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:
I started getting denial letters from creditors and I pulled my credit report and I notice some inquires on my credit report that do n't belong to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My complain is with Experian. My questions are : Why does a data furnisher ( XXXX ) have more authority than United State court documents? Why are United States courts not being used to verify information? How can you use a data furnisher ( XXXX ) that is providing you ( Experian ) invalid information to verify that information is correct? The letter Experian sent to me is invalid because it does not provide the reason United States court documents can be used to verify information. Also, select portfolio has been calling me at XXXX XXXX since I started this dispute with Experian. My lawyer has sent them a letter to desist calling me 2 times. Experian says they will not longer investigate this complain.

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 2016-08-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Statebridge Company
State: NJ

Complaint narrative:
My name is XXXX, I have been trying to contact Statebridge for way too long now. I need my pay off in writing as soon as possible. I will be paying my balance when I receive this information. 
It is impossible to speak to a person ... 
I 'm at my wits end, and I 'm ready to move on. This company has been a nightmare from day one, when my old bank sold them my loan. 
Not happy .... thank you, 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: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I disputed the following erroneous information with this bureau directly. The majority of this erroneous information is because obviously my credit report has been merged with another XXXX XXXX and now my accounts are marked bankruptcy. 
1. XXXX XXXX XXXX - this account went delinquent for the first time in XXXX. The other credit bureaus have removed this however Experian continues to report the information. I have asked for a full payment history from the creditor and from Experian. Neither has sent me the same so how are we " verifying '' that this is accurate as reported. 
2. XXXX XXXX XXXX XXXX - This collections company purchased this account second hand from XXXX XXXX. They are claiming that the account was included in a Chapter XXXX bankruptcy in XXXX of XXXX. However this appointment with XXXX XXXX did NOT occur until XXXX of XXXX. Please request the original receipts or instruments bearing date of service. 
3. XXXX XXXX Bank - Acct. XXXX - this again is erroneous information that Experian claims to have verified. It literally says " debt included in Chapter XXXX Bankruptcy on XXXX XXXX, XXXX - HOW IS A DEBT INCLUDED A BANKRUPTCY that does n't exist. There is no bankruptcy in XXXX XXXX. And this account was n't included in a bankruptcy. 
4. XXXX accounts from XXXX XXXX XXXX. Same issue. These accounts are being reported as included in bankruptcy when I was NOT liable for these accounts, the insurance carrier was. I have also disputed these accounts and Experian continues to insist they have verified them. I am requesting copies of the instruments or any documents relative to the same. 
XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX You can clearly see the inconsistencies in all of this information. And This refusal by Experian to adequately verify information is causing personal injury to me and my family. I have multiple times requested the documentation from Experian Credit Bureau and they refuse to respond. Please send the relative contracts or receipts bearing my signature.

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 2016-04-14 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: PA

Complaint narrative:
XXXX will not allow me to get my reports. Experian says I need to mail in the request and when I hit next the site times out and starts the whole process all over 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 non-monetary relief
Consumer complaint received 2016-07-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have subitted proof over 12 times in the past few years in regards to XXXX. which is XXXX for the amount of {$2300.00}. I have disputed this information and yet the item still remains. The apartment complex was paid directly XXXX XXXX and the property manager gave me a signed letter after receipt of payment indicating they received the full balance and my balance was XXXX. All the reasons I provided are BY LAW grounds to have it deleted and I am still dealing with the same issue. If this item is not deleted, I will be forced to use all avenues provided to me as a consumer if the credit bureaus do not abide by the laws governed and remove the items.

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 2016-08-12 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:
I asked Experian to remove this old account number XXXX, XXXX XXXX Bank which does not belong to me and it is not attached to another account. Experian has not removed and I am within guidelines to ask for the removal of old accounts.

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 2016-12-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
I disputed this information because this was not my debt. I contacted XXXX XXXX services and I have a XXXX balance. This belongs to XXXX XXXX. The incorrect debt was removed from my credit on XXXX XXXX 2016. I recently just saw that this debt has been reinserted after it was deleted on 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 2016-11-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This account has been pif, the entire {$720.00} amount and the acct closed and per our agreement with XXXX bank it was to be deleted from my credit reports entirely. XXXX bank 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 2016-04-22 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:
I submitted a dispute to both XXXX and Experian online after receiving notification of an inaccurate collection via the XXXX credit monitoring service I subscribe to. After carefully following the online process and uploading HSA statements showing payment to the healthcare provider that the third party collection agency was purporting to represent, Experian informed me that they were not able to handle my case via the online service, that that I would have to send in my dispute via post. XXXX appear to accept my online dispute. However, upon using their " check status '' functionality to confirm that my online dispute was being processed, I received a screen in forming me that " The information [ I ] provided does not match [ XXXX ] records so [ they ] are unable to process your request online. '' I receive the same message when I try to resubmit my online dispute. 

I feel that the credit bureaus -- XXXX and Experian -- are making it unduly hard for me to challenge inaccurate reporting by the collection agency. I pay for credit monitoring to help make it easier for me to monitor and protect my credit rating. However, it seems as if Experian and XXXX want to obstruct or discourage consumers from submitting disputes that they would then need to research, in the hopes that they will get frustrated and give up. This practice is not fair. It should not be more expedient for third-party collection agencies and creditors to post inaccurate information to my credit report that has real and damaging impact on my personal finances, than it is for me as a consumer to challenge inaccurate or dubious reporting. The fact that they both waited until after I filled out the online forms and uploaded my supporting documentation before informing me that I would not be able to submit an online dispute is especially frustrating. What criteria are Experian and XXXX using to determine who is eligible to submit online disputes, and who is not? Should n't all consumers have the right to dispute inaccurate information on their credit reports through a means that does not unduly burden them? Should that means be the same for all consumers?

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 2015-10-13 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:
There are XXXX student loans and an account with XXXX and XXXX that have been disputed with the bureaus and the information varies on all three bureaus. The late payment months are different amounts etc., I then requested information directly from the companies and they have not responded at all. The address that were used for these letters were those listed on the credit report. It has been over two months and there is still no response. If the creditors are not responding to me the person that is suppose to be responsible then they would not reply to a true investigation from the XXXX bureaus.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have complained about XXXX on my credit report with XXXX XXXX XXXX, XXXX from 2010. I threatened to file a lawsuit for a procedure he did on me personally and highly embarrassed me and I told him I was going somewhere else. When I did, the doctor said what he stated was wrong was not right and it was the WRONG XXXX. I advised him I would not pay the bill, I talked to him on the phone, he even called the second opinion doctor. He advised me he would remove the charges and I just got a copy of my credit report and saw this on there. I am fighting to have this removed. Please do what you can. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX Phone number, Social is XXXX. Thank you!

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 2015-11-08 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have another complaint that 's related, # XXXX. I tried to get my XXXX free credit reports because my FICO scores with XXXX of them were XXXX points different. But I was not able to get my FICO score from Experion without paying {$1.00} for it. At no time did the representative tell me that I was signing up for a credit checking service and she told me what to click and where. She never explained I 'd have to cancel the " free '' service within 7 days, nor where I could do so. They charged me {$21.00} for this service that I did not want, did not order, did not ask for, was never told about, and they would not refund the charges. This is the biggest scam going and these credit bureaus are what all the rest of the good people of this country are being held hostage by and being scammed on a daily basis. It 's no wonder the financial systems in this country are in major trouble. 
It 's shameful that people are being ripped off every minute by the XXXX credit reporting agencies that we 're all dependent on for obtaining credit and that this continues daily with no recourse.

Company public response: Company 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: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I have a collection from the State of Colorado for child support for my kids that are adults and I have been paying on monthly for over 20 years with no late payments. On my credit report it is reporting a XXXX balance of a collection from the state of Colorado and every time I try to call them they have no record of it but when I try to dispute the item with Experian to have it removed, it comes back verified. I 've never had a collection and I am still paying adult children. It is affecting my ability to get a home loan with this item still on my credit report. I need help in getting them to remove the item from my credit report with Experian. All of the other bureaus have removed the item from my 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 2016-04-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian refused to provide Credit Score to lender XXXX XXXX XXXX, whereby I was refused a Home Loan. In addition the dispute requests are not entertained, and refusing to remove incorrect items from my Credit File with them. Some of these items are have already been removed from my credit file with Credit Reporting Agencies.

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 2015-06-26 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I googled " Free credit report '' and link to Experian showed up. When requesting a credit report supposed to be " free '', they signed me up for monthly monitoring for {$21.00} without my realizing it. My FICO score is excellent and I am not in the market for any loans. I found out about this charge from my credit card statement. When contacted, they refused to refund the fee. When googled, this is XXXX of the top XXXX complaints against Experian as many other people have had the same unfortunate experience.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-17 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have been disputing the same collection for to years. The account in question is a collection for a checking account with what was then XXXX XXXX. The date of assignment with the collection agency was XX/XX/XXXX. This account remained open and active with XXXX XXXX until XX/XX/XXXX at which time I closed the account with a XXXX balance due to XXXX being unwilling to allow me to have a checking account unless I had overdraft protection. So I closed my account. I disputed the collection with all XXXX CRA 's and it was deleted from all but Experian. In my multiple disputes of this account I have sent Experian documentation of both deposit and withdraw activity on the account in question AFTER the date that the account was said to have been put into collection. I also sent them documentation from XXXX stating the account was closed with a XXXX balance on XX/XX/XXXX. Experian 's response was that they verified the account info with the collection agency, and the the collection will remain. I believe that Experian is violating the Fair Credit Reporting Act, and the new settlement agreement that all XXXX CRA 's entered into the the NY state Attorney General.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I had an account with XXXX XXXX Bank in 2006 and they changed the company to XXXX XXXX XXXX. I paid the account several years ago and I recently received a settled in full letter from them the only issue I have is that its still reporting on my credit report only under Experian, it is not reporting under XXXX or XXXX. I would like it to be off of Experian as well so I called the original company however they said that the account is no longer with them so I called XXXX XXXX they sent me settled in full letter however I asked if the account can be taken off of Experian because it is off on XXXX and XXXX however both creditors send me back to the other and XXXX said they do n't know if anything can be done however I feel if its off the other credit unions why is n't if off of Experian, its an old settled in full account if they cant delete like the others then a minimal explanation like paid in full would be more helpful then negative comments. I hope your office can help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian is currently reporting an open collection account from the company XXXX XXXX on my credit file. I have no knowledge of why this company is reporting this debt on my file. I do not owe this company anything. The lease was turned in on time and whatever charges were remaining they were paid in full to the finance company. its reporting as a {$0.00} balance. i tried disputing and they will not reinvestigate or provide me with proof of the investigation. This company has no right to report an non existent collection account on my credit file. Its not being reported by no other bureaus from Experian and they will not disclose to me the verificaton that this debt is in fact mine. i do not have any knowledge of this debt

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 2016-07-22 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: CA

Complaint narrative:
Thought I was getting a Free Credit score. 
Website somehow charged {$1.00} I was then manipulated into signing up without knowing I was ordering a trial subscription. 
A few months later I noticed the charge on my CC. 
Since I never intended to order anything, I disputed. 
They agreed to cancel but refused to refund.

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