vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I had made a complaint regarding this issue before I believe with Consumer Financial Protection Bureau Case # XXXX in which XXXX stated that they were going to put in my file that I had a dispute regarding their claim my payments were late. According to the records that esperian is displaying in their records there is no such statement and I still dispute their claim I was late. I remember speaking with customer service representatives in XXXX, XXXX or XXXX and there was an error on their part receiving and receipting my payments at that time. I am requesting that this information be removed from my credit report being this happened in XX/XX/2010 and I am under the impression also that in the State of Georgia that adverse information is suppose to remain on your credit report after six ( 6 ) years not seven ( 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 2015-06-24 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 XXXX accounts on my credit report that are being reported XXXX under my negative items. These are student loans that were all reported by sallie XXXX XXXX XXXX. XXXX XXXX assigned these loans to XXXX. XXXX XXXX and they too reported the same loans in XX/XX/XXXX. The loans have same origination date same late dates and same dollar amount but they appear as XXXX identical entities just wish h slightly differencing loan company names. I understand it has to be reported but I also understand that it should n't be duplicated. I have tried disputing it but if the investigation asks both companies they will give u info each of them of th same loan but XXXX!!! That does n't seem like fair reporting

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently received a copy of my Experian credit report. The credit report showed credit inquiries that I do n't recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someone 's credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX XX/XX/2017 XXXX There is ( XXXX ) reporting on my Credit XXXX XX/XX/2017 XXXX XXXX/XXXX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017

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 2015-03-24 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 have n't able to get a report from Experian even after calling 3 times.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-05 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: FL

Complaint narrative:
I have tried for many years to get my credit reports from XXXX. Tried online and also phone and paper. No reports. Once, Experian did send a report, and I got some XXXX information through an insurance company. Those exceptions aside, my requests go nowhere. Our banks other financial institutions all advise checking credit reports frequently, at least annually. But XXXX 's failure to provide that service and, more important, failure to provide any reason for NOT providing it, is most frustrating. 
. 
We ( wife and I ) believe we have excellent credit, probably close to XXXX. We do n't need more credit, but we do need to check our credit reports for accuracy. That 's all we want. 
. 
I spent this evening trying unsuccessfully to fill out XXXX Contact form. Again and again, I composed a detailed and clear statement and request for help, only to be dropped out of the form with several ( XXXX ) different errors that did n't happen. No help there. 
. 
I want to know what the problem is. Is there something wrong with our accounts? Do we need to be concerned about possible identity theft? 

I did not fill out another request in recent years. It 's clear what will happen : nothing. 

Can you help? 
XXXX. XXXX From XX/XX/XXXX to XX/XX/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 2016-12-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX line identified as XXXX appears on my credit report, however, the alleged original creditor has FAILED to supply proof of a debt. Additionally, I asked Experian to provide me with the 'Method of Verification ' for the disputed item, as attached - yet the trade line was somehow 'verified '. Since neither the data furnisher nor Experian can provide me with ANY proof that I signed a contract for debt, Experian needs to permanently delete this item as FCRA does NOT allow for unverified items to remain on consumer credit reports.

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 2015-11-04 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:
There is an account appearing on my credit report that is a corporate account ; Applied Bank. I 've stated on numerous occasions that this should not be reporting on my personal credit report and they will not remove the account from my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-14 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XXXX/XXXX/2015, I contacted Experian concerning several hard credit inquiries appearing on my credit report. These inquiries were made by third parties who DID NOT have my permission to pull the report. I made Experian aware that the companies/organizations who gained access to my credit report had no permissible purpose under the Fair Credit Reporting Act and that Experian had the responsibility under 15 U.S.C. 1681i ( a ) ( 5 ) to remove credit inquiries occurring without obtaining permissible purpose from the consumer. Experian has ( 1 ) refused to make the violators prove that they had permissible purpose, ( 2 ) refused to remove the inquiries from my credit report after failing to obtain permissible purpose from the violators, and ( 3 ) claimed that my request for corrections and accuracies to my credit report were suspicious ( see attached ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-23 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian credit needed to take off XXXX collection items off the credit report that were paid in full showing on credit report dated XXXX/XXXX/15. XXXX contracting services/XXXX in the amount of {$1300.00} and XXXX hospital in the amount of {$900.00} were paid in full and are still showing on another credit report dated XXXX/XXXX/15. And again on XX/XX/2015.Experian also brought me credit score down XXXX points after paying off a medical bill in full. I ran my XXXX XXXX report from the XXXX website XXXX times which cost me {$16.00} to {$20.00} each time the report was printed. The reports included XXXX, Experian and XXXX credit reports and scores for all credit reporting agencies. The only company that is reporting correctly is XXXX. Experian and XXXX are not being regulated by anyone at all. Help Me 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 2016-04-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I filed an official dispute with Experian on XX/XX/2016. I stated that XXXX XXXX XXXX, a creditor on my file, has misstated my current account status. I supplied a current statement that verify the account status as " current ''. My previous account status was " Charged Off ''. XXXX has allowed me to bring my account back to a " current '' status. I want my credit file to reflect as such. On XXXX XXXX, 2016 Experian return my dispute and stated that the Charge off Status will remain. I am not asking for anything more that my credit file reflect my current standing with XXXX. Experian has not provided any further information to explain why they have decided not to update their files.

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 2016-11-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Credit reporting agency Experian would not validate any information for XXXX accounts that I have asked for validation of on 4 separate occasions. By law they must validate with documentation any accounts that are reporting to my credit report but they have not complied with my requests.

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 2016-06-21 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I went online to Experian to check my credit score for their advertised price of {$1.00} prior to making a major purchase. Doing this automatically enrolled me in a 7 day free trial for a monthly service I did not want and, subsequently, a monthly billing to my credit card for {$21.00}. I believe this is a dubious business practice at best, and XXXX beneath a major credit reporting agency. Although they did agree to cancel my service, they refused to refund my {$21.00}.

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 2016-10-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I 've sent 2 dispute letters to Experian. One on XXXX/XXXX/2016 the other a copy of the same dispute on XXXX/XXXX/2016 and now a third on XXXX/XXXX/2016. Since my first request ( over 260 days ago ) I have yet to see any investigation of any of my accounts in error or in question.

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 2016-08-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have disputed an inaccurate bankruptcy with Experian several times and they are not investigating the account. I wrote a letter to the court they have listed as the furnisher of information on my credit report. Several factors are wrong with the bankruptcy. Experian did not list an address or phone number for the court they claim is " verifying '' this inaccurate bankruptcy. It made it almost impossible to write a letter directly to the court, as Experian did not give me any contact info. I was able to find the court by doing extensive research online, the court responded to my dispute stating that Experian did not contact them in reference to my dispute. This is a violation of the FCRA, as they only 5 business days to send my dispute to the furinisher of information. Experian is liable to a {$1000.00} fine for lying about contacting the furnisher of information.

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 2016-09-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Items on my credit report that is old and charge off need to be remove from my credit report it is affecting my credit. Please have them removed from my credit report immediately. It becoming a serious problem to my credit.

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 — Investigation took too long
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I had disputed and tried to get some late payments that were reported by mistakes made on the banks behalf to no avail. I sent in the letters received from the creditors apologizing and wrote my letter to the bureaus requesting a dispute and to please review my documents. This company I feel has done right by me until now. Now I feel like because it was the holiday season that my stuff does n't matter. I did file a complaint and I hope this lack of responding is n't retaliation. I 've downloaded some more documentation showing missteps and violations of credit report on behalf of this company. let me know anything else thank you, 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 2016-12-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: CALCON MUTUAL MORTGAGE LLC DBA ONETRUST HOME LOANS
State: FL

Complaint narrative:
I REFINANCED MY HOME THROUGH ONE TRUST HOME LOANS IN XXXX. THEY FAILED TO ESCROW SUFFICIENT FUNDS TO COVER MY PROPERTY TAXES AND HOMEOWNERS INSURANCE FOR 2017. CLOSING DOCS SHOW THAT A PAYMENT IN THE AMOUNT OF {$710.00} SHOULD HAVE BEEN MADE TO PAY PROPERTY INSURANCE. PAYMENT WAS N'T MADE AND I CA N'T FIND OUT WHERE THAT MONEY IS. ONLY 6 MONTHS OF FUNDS WHERE ESCROWED TO PAY PROPERTY TAXES, PROPERTY APPRAISER WILL NOT ACCEPT PARTIAL PAYMENT AND THE CHECK WAS RETURNED TO THE TITLE COMPANY. I CAN NOT FIND OUT WHERE THAT MONEY IS AND WHY TAXES FOR THE ENTIRE YEAR WERE NOT ESCROWED. WHEN I QUESTIONED THE AMOUNT AT THE TIME OF CLOSING I WAS TOLD THAT EVERYTHING WAS COVERED. I WAS ALSO TOLD THAT THE ESCROW REFUND FROM THE PAID MORTGAGE WAS MINE, AT NO TIME WAS I TOLD THAT I WOULD BE RESPONSIBLE FOR 6 MONTHS OF MY PROPERTY TAXES. IT IS MY UNDERSTANDING THAT IF THE PRESENT MORTGAGE COMPANY HAS TO " LOAN '' ME THE FUNDS TO COVER PROPERTY TAXES AND INSURANCE THEY WOULD THEN HAVE TO RAISE MY PAYMENT IN EXCESS OF $ XXXX A MONTH, MONIES THAT I CAN ILL AFFORD. I WANT XXXX TRUST TO CORRECT THEIR ERROR AND GIVE ME THOSE FUNDS THAT ARE NOT ACCOUNTED FOR, THE {$710.00} THAT WAS SUPPOSED TO BE PAID FOR INSURANCE AND NEVER WAS AND THE 6 MONTHS ESCROWED FOR PROPERTY TAXES THAT WAS RETURNED TO THE TITLE COMPANY AND THE 6 MONTHS OF MONIES THAT WERE NOT ESCROWED TO COVER PROPERTY TAXES.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have credit inquiries that I did not authorize on my Experian report that were previously disputed with XXXX. I would like them to be removed permanently as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Requested the following account ( XXXX XXXX XXXX XXXX ) be deleted from my credit report, and the Credit Reporting Agency has refused. XXXX XXXX XXXX has refused to verify this debt in writing as per FDCPA, despite my numerous written requests. I am attaching several copies of Certified Return Receipts sent to XXXX XXXX XXXX and XXXX XXXX XXXX ( acting on XXXX behalf ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-18 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am filing this complain because experian has ignored my request to provide me with the documents that their company has on file that was used yo verify the accounts I disputed. Being that they have gone past the 30 days mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. 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 2016-08-03 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CO

Complaint narrative:
I wish to file a long overdue complaint against XXXX XXXX XXXX and Green Tree Servicing LLC, now Ditech Financial LLC. I apologize that this is happening so late and I wish I had more pieces of documentation to include, as I have spoken to so many people over the last few years and was told I had no other options and thus, I foolishly shredded some of the old forms when I also had to purge some of my mother 's old documents. However, I kept my log notes and with that, I will construct as detailed of a timeline as I can to explain how horribly I have been treated by both companies and how my health, current mortgage and living situation are all still being impacted by this ongoing display of poor communication, truly unconscionable customer service and what appears to be all-around unethical business practices. 

I have witnessed extreme unprofessional behavior and poor communication as well as feel I have been treated unbelievably unfairly for over 6 years by not XXXX, but XXXX companies ; though all are inter-related in regards to my initial application for the Making Home Affordable Program in XX/XX/XXXX, up to the present as my mortgage and supposedly also my HELOC has transferred hands now 3 times, even after I was told my HELOC was closed in XX/XX/XXXX. Yet, each company blames the other. yet offers me no formal options and has prevented from refinancing, as I am still sitting at 7.125 % interest and have dealt with so much, both XXXX and financially these past 6 years and this is my last hope for justice and resolution. I am not sure what exactly to mark below, as you will see this complaint/issue crosses several areas. 

Please refer to my very detailed letter and all of the subsequent attachments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I have a collection account on my credit history but this collection account is paid. I submitted the documentation that this account is paid and yet Experian denied my appeal.

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 2017-02-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: MORGAN STANLEY & CO. LLC
State: NJ

Complaint narrative:
On XX/XX/XXXX I sent a subpoena to Morgan Stanley to get all records about a house that I purchased on XX/XX/XXXX. I received nothing yet.

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 2016-07-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
My house insurance score in MI was lower than I expected and XXXX of the rating codes stated I had collections and past due amounts. Seeing this, I logged on to request a Experian report. On the report is a collection agency attempting a collection but its not an account that I ever opened

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 2016-08-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
MY REPORT REFLECT DIFFERENT VARIATIONS OF MY NAME, I WANT MY CORRECT NAME AND CORECT ADDRESS REFLECTED SINCE I HAVE A VERY COMMON NAME.

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