vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX has send for collection the amount of {$78.00} under my name. this account in question has been reported six time on all credit bureaus from XXXX to XXXX, XXXX under XXXX XXXX XXXX ( collection agency ). 
After I learned about it, I called XXXX XXXX XXXX ( about a month ago ) and they agreed to correct this issue as it was wrongly reported and set in collection by them? ( the account was paid in full and on time every time ) this morning XXXX/XXXX/2016 I had to call again because as I mention this still being reported and affecting my score. 
Now they tell me that it would take another 30 days before anything will be done? Why and what is it about XXXX XXXX XXXX that they can just followed through on matters like this one? 
I would like to have this information cleared from my report ASAP please.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-17 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
THIS IN REGARDS TO A COLLECTION ACCOUNT ON MY CREDIT REPORT LISTED AS XXXX XXXX # XXXX for the amount of {$620.00} that has been disputed in the pass ... the experian did not properly verify this account ... .due to the fact that the company itself has no imformation regarding this account accept the original creditor. when i disputed the validity of the debt .... experian will not inform me of their verification methods .... ..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian has a ongoing issue of not updating my correct address I have hade to pay people to help me with this before however it cost me allot of money Experian seems to go out of there way to cause chaos and have no fear of doing so when I try to dispute this issue myself the online system ask me security that make no sense and can not be answered correctly and a screen come up saying unable to complete please fax your dispute to this number

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 2015-05-24 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I 've disputed several inaccurate and invalidated information on my Experian credit files that are regarding student loan accounts. For XXXX, these accounts are older than XXXX years old and they are currently being reported as in chapter XXXX bankruptcy which is incorrect. I 've written these companies and requested validation of information as well as filed a complaint with a student loan ombudsman regarding the reports. I do n't believe that Experian validated this information by receiving competent documentation that these accounts are accurate and being reported accurately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-31 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: MD

Complaint narrative:
Tried to obtain my annual credit reports. XXXX was no problem. XXXX and Experian both were unable to send. XXXX questionnaire asked questions but none were related to any information about me. Experian did not even ask questions simply stating they were unable to send online. Both want me to mail my requests and submit my PERSONAL information via the mail which I feel further exposes me to credit theft.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-27 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: MORGAN STANLEY & CO. LLC
State: NM

Complaint narrative:
Morgan Stanley mis-reported our XXXX XXXX contributions to the XXXX, incorrectly completing XXXX forms XXXX ; causing the XXXX to review our tax return and assess a liability not actually owed to them. We discussed this with XXXX, and they said they just needed the amended XXXX 's accurately reporting the deposits and applicable tax years from Morgan Stanley, then would retract the liability and close the file. Morgan Stanley has consistently refused for months and months now to revise the forms. Eventually XXXX withheld funds from our XXXX tax refund to satisfy the improperly assessed liability. So Morgan Stanley has cost us {$10000.00}! And not to mention continuing frustration, time, energy, and more money in dealing with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
This complaint is addressed to Experian Reporting Agency. Resolution deletion of collection account # XXXX per ( XXXX ) XXXX. 
Per response with the CFPB, case number:XXXX, dated XXXX XXXX, 2016, XXXX claims they have submitted a " request for deletion '' to ALL credit reporting agencies and requested permission up to 45 days for the agencies to process their request. ( Validation Letter attached ). On XXXX XXXX, 2016, was denied online dispute due to maximum access. Online, the report shows the collection account with XXXX as " Closed '', updated XXXX XXXX, 2016. As of XXXX XXXX, 2016, it has not been deleted. Other agencies have adhered to request. If said request is not honored within the timeline requested by XXXX, I will proceed legal actions per the Fair Credit Reporting Act, 15 U.S.C.s1681.

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 2016-01-02 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX pulled my credit report without my consent and I did not apply for credit nor do I have an account with them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 's mailing address for dispute requests is : XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX Account Number Num : XXXX Balance {$00.00} XXXX Account Number Num : XXXX Balance {$00.00} Dear Sir or Madam, I am writing in regards XXXX on my credit report. I 've enjoyed being a customer of XXXX XXXX since XX/XX/XXXX. Today, I 'm writing to request a goodwill adjustment to my credit files. 

I was a model customer from the time I received my credit card in XX/XX/XXXX, however it has been 11 years. 

Your agency should delete all information regarding the account from my credit files within 10 business days. Please delete the above information as quickly as possible. 

Sincerely, 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 2016-04-11 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 recently pulled my credit report from Experian, XXXX and XXXX and noticed this account was listed on each of my reports as a collection/chargeoff. I immediately disputed this information with Experian, XXXX and XXXX and the results of the investigation came back as " verified ''. I did not have an account with XXXX XXXX during this time period. XXXX XXXX is incorrectly reporting this debt and has ignored a demand letter under FCRA regulations. They continue reporting this account as negative on my credit report and therefore makes it impossible for me to establish new lines of credit and also tarnishes my name. I will also be filing complaints with the Attorney General of my state and pursue full legal action under FCRA regulations and defamation of character unless this debt is immediately removed 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 2016-02-23 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:
I 'm really running out of patience and I just do n't know what to do at this point! I have used a credit repair company and now am disputing myself with the XXXX bureaus. I have accounts on my file that continuously come back as " verified '' and yet I have never received any documents, I have never received a description of their procedures in detail which I have requested and I have never received any documentation proving ownership of any of the accounts. How can they say that these accounts are verified when they do n't have any documentation? How can they just take the creditors at their word? Do n't they have a responsibility to actually do a real investigation? I understand that they only have a few minutes to do an investigation, but that 's not my problem. That 's a problem on their end and i should n't be a victim of their money-making scheme. I already made a complaint with the TX Attorney General so each of the XXXX bureaus will be receiving either a call or letter and will have to explain themselves. Who did they speak with at the creditors? What date? what was their name? What documentation was used?

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 2016-11-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I am disputing XXXX reporting negatively on my Experian credit report. I asked Experian to investigate and they replied that they verified the accuracy of XXXX claim. Experian states that if I have additional relevant information that was not present when previously disputed, they would re-investigate. I now have additional relevant information ( attached ). 
If XXXX is claiming I have a debt, they have not done so clearly, and I have no idea from when the alleged debt originates. I have attached XXXX letters sent to me from XXXX different companies regarding the alleged debt XXXX. While XXXX may have purchased a debt in 2011, I have yet to see where this debt came from, and Experian has yet to send me the evidence either, which they said they would. If XXXX purchased an alleged debt, their tactics of using these XXXX companies is confusing and shows their misleading approach. 
I argue that the use of their confusing debt collection tactics as shown here and Experian not sending me the evidence that shows the validity of the original debt, gives me no reason to believe that this purported debt is mine. In this dispute I show that this is yet another trick that XXXX is playing that is not allowing me, the consumer, to clearly and plainly manage my finances.

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 2016-08-31 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:
The credit reporting company called Experian has historically been very troublesome often denying me my free annual credit report long after the one year eligibility time has elapsed. After completing all required information either via phone or more currently online, they 'll immediately deny me my report and ask I mail photocopied drivers license, utility bills and other like items to verify my identity to get my report. Thereafter they always mail back a response saying that I 'm ineligible because they just sent me one. When they did not! It appears that once the initial annual request is made, and if denied, they view this as a report was generated and sent. Then they adamantly deny any further disputes when told that the requested report was not sent! This has happened many times and I have gone several years without seeing my report. It just happened again on XXXX/XXXX/XXXX when after completing the on-line form, I was again denied. Even though my last report was dated XXXX/XXXX/XXXX. However they always point out that I can easily buy the report by remitting their asking price. I am very angry with Experian. They offer no personal phone in help. Only endless pre-recorded messages designed to frustrate a caller. I have no problem with the other XXXX credit reporting agencies who are helpful and easy to deal with. I want my annual credit report from Experian each year without all the trouble they cause.

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 2016-09-28 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 recently pulled a copy of my credit report and noticed the following information are in error : Credit Inquires : The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following credit inquiries are related to none of the aforementioned permissible purposes : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-06-01 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: VA

Complaint narrative:
I signed up with Experian Credit reporting, paid the fee and I received a credit XXXX score of XXXX when I applied for a loan the same company gave me XXXX score of XXXX, which caused me not to get the loan. The XXXX would have allowed me to get the loan. I am going to have to pay again to get the mortgage score again when I close the loan. I am being defrauded by Experian Credit Reporting company by paying for the scores which are different If i did work for some one and charged two times for same job, the I could be charge with fraud. Am I right or wrong.

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 2015-11-14 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:
Despite my repeated requests for them to do so, EXPERIAN refuses to delete outdated, inaccurate accounts containing numerous errors and issues of ownership stemming from an acrimonious divorce dispute with my former spouse. Specifically, they continue to list judgments from XXXX XXXX from XXXX XXXX BANK and XXXX ; a repossession/late payment account with XXXX ; XXXX " charged off '' credit cards with XXXX ; a collection account with XXXX XXXX XXXX ; and lastly a collection account with XXXX XXXX. In addition, they also refuse to delete an outdated account with XXXX which contains numerous errors as well as an inquiry XXXX XXXX made on XXXX/XXXX/2014 without my authorization or knowledge.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The bank that issued my credit card is showing on my Credit Report that I have a current balance on a credit card, yet they have no documentation on this account. The account has been closed, but they are reporting there is still a balance of {$7800.00} on this card. It is endangering my ability to refinance my home, as my credit lock is set to expire soon.

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: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
After having my XXXX credit card number stolen ( attempt to charge online fraudulently on XX/XX/XXXX ), I closed my account and received a new card number. On XX/XX/2016, I pulled my credit report and saw an incorrect ( fraudulent ) address listed and a XXXX credit inquiry filed on XX/XX/2016. I disputed the fraudulent address with Experian, placed a fraud alert on my credit file, and contacted XXXX that an account in my name but new address was fraudulent which they then denied. The incorrect/fraudulent address ( XXXX, XXXX OHIO XXXX ) is a homeless shelter called " The XXXX ''. I want to file a police report re : this fraud. I am now concerned about how much of my personal information has been compromised and am concerned about the extent of my identify theft and safety of my credit file.

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 2015-09-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
Additional documents attached to support complaints XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX. 
Disparity in credit scores still continues. Key factors that adversely affected my credit scores. Serious delinquency, number of accounts with delinquencies, time on delinquency is too recent or unknown. A review of credits reports does not support these adverse comments. There no delinquencies. If there are no delinquencies time on delinquencies are null and void. Several accounts continue to be reported as and adverse accounts or accounts that may be negative. Information creditors are reporting to bureaus does not support adverse/accounts that may be considered negative. Several accounts have inserting bankruptcy comments, which I believe is the reason for reporting as adverse. Public record was a chapter XXXX bankruptcy which was dismissed in 2009. There were never any liens /liabilities against this file. These accounts were never included in bankruptcy. Information received from a creditor reveal that they throw out the high credit score and the low credit score, using the middle score. Based on their processing, I missed the cut off by XXXX points. Why do credits continue to use credit bureaus information as gospel?. Believe the creditor should communicate with customer before making any decision on an application. Creditor questioned why is there such disparity in my scores. scores. This question has been asked with responses from the credit bureaus. Why do the credit bureaus have such power to dictate who is credit worth or not. In response to my disputes, the end results are that information is accurate and will no longer investigate. Their re investigative results are verbatim Like they copied and pasted their results from previous investigative results. XXXX account show that records were updated based my dispute submitted over one year ago.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-14 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:
I noticed XXXX erroneous accounts on my credit a few weeks ago and I immediately took steps to have this error corrected by contacting both the data furnisher ( XXXX XXXX ) and the bureau ( Experian ) which were reporting this incorrect information on my credit file. 
I am attaching the letter I sent to Experian in which I dispute the account on XXXX XXXX. I also am attaching the letter I sent to XXXX XXXX on XXXX XXXX, requesting a description of their " verification procedures '' as well as the XXXX forms transmitted by them to Experian regarding this account and any and all data submitted as " verification '' of this account. To date, I have received no response. Since my letter was sent out over 30 days ago, the window within which they must respond has now closed for them to provide requested verification proof. Therefore, as they are unverified accounts they must be immediately and permanently removed from my file, as per 15 U.S.C. 1681s-2 of the U.S. Code, which states : " ( D ) if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis ; and ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly -- ( i ) modify that item of information ; ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information. '' Please instruct Experian to remove these XXXX unverified and erroneous accounts from my credit history.

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