vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The company XXXX sold my account to a collection agency by the name of XXXX, XXXX ( XXXX XXXX XXXX ) and I paid the account off through that agency on XX/XX/2016 in the amount of {$240.00}. XXXX XXXX has updated that info and removed it from my credit report while XXXX refuses to update the account nor remove it. I have spoken to reps with XXXX and they wont even listen to me. This account needs to be updated in their system and also removed from my credit report just like the company that they sold my account too.

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 2016-09-25 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
To Whom It May Concern : I am a Pennsylvania XXXX ( ID # XXXX ), and I am submitting this dispute because MyCase and XXXX, XXXX improperly denied my application for XXXX payment services. A copy of the denial letter is attached. XXXX is a cloud based legal management system used by attorneys to store client information and bill client time. The service I applied for would have allowed me to accept credit card payments. As part of the review process to qualify for the service, XXXX used XXXX ( a real estate management company ) to investigate my credit report. XXXX claims that they pulled my Credit information from Experian. A copy of my Experian Credit report is attached. MyCase and XXXX appear to be either closely related or the same company, because they both have the same Corporate Headquarters address located at XXXX XXXX XXXX, XXXX, CA XXXX. 

XXXX claims that I was denied services because my credit score is XXXX and the date the score was allegedly created was XXXX/XXXX/2016. The Experian credit report does not show that that either XXXX or XXXX made a credit inquiry. See pages XXXX of the XXXX section of the attached Experian credit report. Furthermore my credit score is XXXX and not XXXX as stated in the XXXX credit denial letter. See page XXXX of the attached XXXX Credit Denial Letter. See page XXXX of the Experian report to view my credit score. 

Thank you for investigating this matter, XXXX 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 2016-06-23 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:
I am a victim of ID theft. I have reported this information to the FTC and I have filed a police report with my local agency. After 2 1/2 yrs Experian is the only bureau reporting the fraudulent information on my credit- it has cost me and family a lot. I also have to pay higher premiums because of the fraudulent information. I am reaching out to you for assistance. If you can not assist me I will take the matter to Federal Court. The XXXX accounts are referenced below XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2015-11-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I paid my bill on Time. They State that i was late on my bill. So they put inaccurate information on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
I sent a dispute to experian that was delivered certified mail on XXXX/XXXX/2015 ( usps tracking attached ). There is a judgement that I requested to be disputed item XXXX in letter, ( see attached copy of dispute letter ). This item was never investigated as requested ( see experian dispute summary attached ). Every other item was investigated and listed on experian 's dispute summary except this one. The judgement that was supposed to be investigated does not belong to me and experian had someone else 's social security listed on my report as well, which was removed. This item should be removed by LAW since it is now been XXXX days and I have not received any response on this item.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-21 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Concentric Receivables Management, Ltd.
State: OH

Complaint narrative:
Request validation of this debt. I do not believe I owe this creditor. Initial bill sent to wrong address due to their error. Conflicting amounts allegedly owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian continues to report XXXX XXXX XXXX account ( XXXX it was charged off and sold XX/XX/2009 it is passs the statue to 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 2016-05-13 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
EXPERIAN - I am very meticulous on watching my credit accounts and credit score, I seen online {$1.00} for a free trial with EXPERIAN for seven days. I paid the amount through my credit card and entered the site and viewed my credit accounts and credit reports with EXPERIAN and all was good! I noticed for a ONE TIME fee of {$39.00} I can have access to XXXX and XXXX my accounts and credit scores. This seemed like a pretty good deal figuring to have complete access to all XXXX Credit Reporting Agencies so I viewed all three agencies and all was good! The next day I accessed the EXPERIAN site again and again attempted to access XXXX and the window popped up stating for {$39.00} I can view all three agencies? Figuring this was a mistake I called EXPERIAN only to find out that that ONE TIME {$39.00} fee is only good for ONE DAY! Nowhere on the window for the charge does it state that the {$39.00} fee is for ONE DAY it just simply says for a ONE TIME fee! This is misleading to consumers and EXPERIAN needs to state that the ONE TIME fee is also only good for ONE DAY! This is an important consumer issue that needs to be addressed immediately to protect consumers and to ensure EXPERIAN is up front and transparent to its subscribers! 
Another point of extreme concern that I have found out is the credit scores that EXPERIAN provides to consumers from XXXX and XXXX are erroneous credit scores! I obtained my credit score through EXPERIAN for XXXX and it seemed to be on the high side? I called XXXX and they said the score I obtained through EXPERIAN was about XXXX points higher than what XXXX had on file for me on that same day and they looked back through a month and my score was never as high as what EXPERIAN provided to me? I called EXPERIAN and explained to them the discrepancy from the XXXX credit score they provided to me and she told me that EXPERIAN uses a different scoring model than XXXX uses? So this is the issue, how can EXPERIAN charge additional money for a credit score from XXXX and XXXX and provide it to the consumer and these credit scores are erroneous and do not even come close to the actual scores on file with XXXX and XXXX! And in this case there is nothing on the EXPERIAN website advising the consumer that the scores from XXXX and XXXX may differ from actual scores because of EXPERIAN using a different scoring model! Again this is a big issue for consumers and needs to be resolved with EXPERIAN!

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 2015-08-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
In XXXX 2012 I disputed a judgement listed on my Experian credit report. Experian verified. I have contacted the court listed and they have no judgement rendered under my name. Further, they have stated that they have NEVER received any inquiries from Experian regarding any alleged judgement. I 'm requesting Experian to provide me with their Method of verification or to delete this tradeline from my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04 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 sent Experian sworn statement of id theft for accounts on my report that is not mines. The accounts below are not mines. The XXXX account on my report that is mines XXXX ( XXXX ) is more than XXXX years old and the refuse to remove. All other reporting companies have removed it. 
Accounts below are all ID fraud. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts. 
XXXX I also have have XXXX XXXX forms from XXXX but these accounts still show on report as Charge offs. They should have been removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-21 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX/XXXX/15 I have disputed this illegal inquiry on my credit report more than a dozen times with Experian. Each time, Experian violates the FCRA and fails to investigate and correct my file. This HARD INQUIRY was not authorized by me, was made without my knowledge or permission, and was NOT FOR A PERMISSIBLE PURPOSE under the FCRA. The Statute requires Experian to delete this hard inquiry in the event it can not substantiate a permissible purpose, of which none exists. 

Yet Experian continue to violate the FCRA overtly, This is wrong, and I formally demand a further reinvestigation into their illegal practices. I can not prove a negative. The burden does not lie upon me. The FCRA was clearly written to protect consumers. How do I prove permission never existed? I can not prove a negative. And yet Experian continues to illegally report this hard inquiry. Under the FCRA, I am entitles to statutory damages of {$1000.00} PER INCIDENT in which Experian does not follow the law. 

Do I really have to sue? Or will the Bureau enforce the law and actually protect consumers? 

This hard inquiry MUST BE DELETED as it was not for a permissible purpose, and not authorized by me. 

I expect the law to be followed and this hard inquiry to be immediately deleted. 

Thank you, XXXX XXXX XXXX XXXXXXXXXXXX

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 2017-02-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: MORGAN STANLEY & CO. LLC
State: GA

Complaint narrative:
My Mortgage was sold from Saxon Mortgage to XXXX in XX/XX/2012. 
Prior to the Sale, my Mortgage Balance was {$200000.00} with Saxon Mortgage, but after the Sale to XXXX, my new Mortgage Balance was {$240000.00} ; hence a fee of {$40000.00} was added ( i dont know why ), which i have had to pay down over the last XXXX years to the current {$210000.00} with 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 2016-03-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
XXXX XXXX is reporting a default on a previous XXXX 's account. I do not dispute the default, but I am disputing the dates they report the account was opened and defaulted. I issued an inquiry and dispute with Experian and they refused to amend or remove the information from my credit bureaus. The information appears on Experian and XXXX, but does not appear on XXXX. I am trying to purchase a co-op as a first time home owner and the incorrect information is affecting my mortgage interest rate and how much I must provide in terms of down payment. I appreciate your assistance to investigate this further. 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 non-monetary relief
Consumer complaint received 2016-10-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX {$430.00}, This account was paid in full by insurance, yet the Collection Agency never validated this information, nor provided proof to me that they did. 
Per the FCRA Section 809, the Collection Agency never validated this debt to see that it was legitimate, nor did they provide proof that they Contacted XXXX XXXX XXXX XXXX to see if they paid the claim, like they did I would like this account removed from my Experian 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 2016-03-23 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:
Why continue to ask the company like Experian which owns XXXX for information when they continue to kick you out of the program to ask for a free report and they say they CANT CONFIRM MY IDENTITY WHEN THEY JUST DID ON THEIR OWN WEB PAGE AND THEN TELL ME THAT I ALREADY RECEIVED A REPORT AND I DID NOT!!!!! I AM SICK AND TIRED OF CREDIT AGENCIES THAT ARE INCOMPETENT AND DONT CARE ABOUT MY CREDIT BUT CARE MORE ABOUT GETTING A MONTHLY FEE!!!! WHY AM I WASTING MY TIME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have no knowledge of this dept

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 2016-07-13 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:
I have reached out to Experian 8 times now about false information they are reporting in my credit report. Thus far it has been a year and to my dismay nothing has been done- I have not even received a response from them although my notices were sent registered mail. 
The XXXX erroneous entries are referenced below 1. XXXX Account Number XXXX 2. XXXX Account Number XXXX 3. XXXX Account Number XXXX 4. XXXX Account Number XXXX 5. 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 2015-05-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX, experian and XXXX keep reporting outdated negative information. I disputed a number of things over 10 yrs ago but they continue to update as if they are new accounts and in good standing and paid and closed. Neither company is allowing me access to my file. I am requesting that you investigate this and also assist me in checking my file weekly so that I can see if I am a victim of identity theft. I would also like to send you my old credit reports from over 10 yrs ago by mail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
There was not really a category for my problem. I am trying to setup a connect.experian.com account so i can check the credit of prospective renters. I tried to setup an account and they told me some of the information on file was no matching and that I should request a free credit report then submit the credit file number to setup an account. After doing all that and receiving my credit report they are now telling me that I ca n't set up an account because " I do n't have any credit ''. I have replied to the XXXXXXXXXXXX email and told them I do n't want to share my credit but want to be able to have others submit their credit to me for the purpose of renting. Some lazy CS rep is just cutting and pasting the top XXXX replies into my email without bothering to address my question. Its the classic case of " Question Deflection '', I send them a question and they cut/paste something out of their list.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I am a victim of identity theft. The following account and inquiries are unauthorized and fraudulent : XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/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 non-monetary relief
Consumer complaint received 2016-01-04 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Audit & Adjustment Co. Inc.
State: WA

Complaint narrative:
This company never contacted me prior to listing my balance in my credit report. Upon contacting them, they acknowledged that they had a return address, and used an old address without verifying. 
My account with the lender shows my current address, yet they frivolously used an old address, did not verify and never notified me of my rights to dispute, nor informed me what the debt was related to, nor that it would be placed on my report. 
I never received any notice or communication from this debt collector prior to contacting them. 
Upon contact, they exhibited rude practices and said there is no legal requirement for them to let me know of my rights, or contact me in any way.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 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:
Ally has reported 8 late payments on my credit report that are incorrect. I paid onetime every month using their online payment system. I have disputed the information accuracy with experian and it has came back verified.I was not given the name or physical documents showing how any information was verified. I need the 8 late payment entry that are reporting incorrectly removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 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:
They blocked my dispute I complained and they said to bad not doing anything I attached my proof they requested new lease, transfer order of electricity and cable I sent it the responded they will not use this information to investigate but it was information Experian requested specifically. They blocked me from the XXXX mail my online account and phone calls I cont have any contact with the company after complaining

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 2016-10-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In a matter of months, my FICO XXXX Score reported by Experian fell from XXXX down to XXXX. The only XXXX transactions in that time were paying off XXXX auto loans, replacing them with a single {$12000.00} loan on a new {$35000.00} car, and re-closing a XXXX Credit Card I had closed three years ago that XXXX left open. I have NEVER missed or been late on any payment in 50 years over XXXX of loans. I still have a no-limit XXXX XXXX card that I opened in XXXX that I pay off every month. I still have a XXXX XXXX I opened in XXXX. I have a $ XXXX mortgage on a $ XXXX house against a $ XXXX annual income. I have no other debt. I " joined '' Experian and received my Credit Report dated XXXX/XXXX/XXXX with nothing but Green on every single entry for XXXX loans listed that go back 44 years showing " Never Negative '', 11 years average account age and 44 years for the oldest account. I spent HOURS on the phone with Experian ( mostly on hold ), being bounced from department to department but NOBODY could explain why my Score crashed XXXX POINTS for no reason. I explained to several of XXXX agents that I am a XXXX year-old XXXX-out by the frustrating treatment to no avail. 
EXPERIAN 'S CREDIT REPORT # IS 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