vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I called into XXXX Consumer Finance and have filed a complaint against XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX : an account I had with them XXXX. XXXX is the collection agency. I filed a complaint with XXXX ( XXXX ) and Experian ( XXXX XXXX to have them remove a collection from my credit reprt. I have had XXXX for years as my TV, internet and telephone service provider. XX/XX/XXXX, I spoke with XXXX of their sales reps that I was moving from my old home ( this home sold and closed XX/XX/XXXX ) to an apartment for one month till my new home was built ( XX/XX/XXXX ). The rep agreed for us to take the equipment to the apartment. They sent a technician that set up our TV and internet in the apartment. Around the middle of XXXX, I called in that we were moving to our new home and the sales rep stated that I needed to pay the {$260.00} in order to close the account at the apartment, I asked where did that come from and she said that I signed a contract. Of course I knew that was not true because we were moving to our new home. After speaking with her supervisor, I knew the conversation was going no where. At this point, I wanted nothing to do with them. I know that if XXXX XXXX XXXX ( the CEO and share holders ) knew what they were doing to customer they had for years, they would have intercepted. I believe that sales rep received some award for signing me up for a year. The plan was to take my old account with me. Somehow there was miscommunication, but I am the long-time customer, they should have taken care of me. 
Please look at my credit report. I have had impeccable credit forever. Why would I choose to not pay {$260.00} and mess up my great credit. I am credit worthy and because of XXXX of their sales reps, my credit score has dropped from the XXXX to the high XXXX. Being a XXXX, I know how important credit is, I would not jeopardize my credit if I owed this {$260.00} and chose not to pay it. Does not make any sense. 
I have clients that have had XXXX XXXX XXXX on their credit reports that they have refused to pay, now I know why. I would look at the amount and think why did n't they just pay them. It is the principle. I am now in that class.. 
Finally, I will attach a credit report from XXXX, stating they have removed this item from my credit report. Experian has chosen not to. I need Experian to remove this collection from my credit report. Please assist me in this matter. 
Thank you for your time, 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 2015-09-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian credit reporting agency is reporting address that have never belonged to me or I never resided at. The only address I have stayed is is my permanent address of XXXX XXXX XXXX XXXX TX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I cant access my credit report, maybe my DOB incorrect or my name was misspell, thanks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
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: TX

Complaint narrative:
I 'm writing this complaint because I have an account on my credit file that is not correct and should not be reporting. The collection agency XXXX XXXX is reporting an account for XXXX for the amount {$590.00}. I do not owe this amount to XXXX before leaving all accounts was paid in full. This account is reporting to be open in XXXX or XXXX, so this is why I do not have any receipt to show my zero balance because I was not aware they would just not in XXXX put this false information on my credit file. Please I 'm requesting this account be removed and I also have disputed this account multiple time with the credit bureaus and they are not doing a proper investigation. Just because they can verify information does not prove I owe any account balance. What I do not understand why they choose to wait until this year to report this inaccurate information. Also I have had this account deleted before from another collection agency. I file a complaint previous with all XXXX credit bureaus on XXXX 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 2016-09-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
An account titled XXXX was opened in XX/XX/2012 under my name, Jointly, and I never authorized this account to be opened. I am not even sure what the Account is for. This account was past due multiple times and is negatively affecting my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Experian is reporting on my credit report under a account that is not mine : XXXX XXXX BANK. On XXXX/XXXX/2016, I requested Experian to validate this information with XXXX XXXX BANK and provide me with copies of any documentation associated to this account, bearing my signature! ( see attached letter ) sent USPS Certified item number XXXX delivered on XXXX XXXX, 2016 at XXXX ( see attached ). I, again sent another letter to Experian USPS Certified Mail item number XXXX delivered on XXXX XXXX, 2016 at XXXX ( see attached ). Experian has failed to provide ANY documentation bearing my signature! As per the Fair Credit Reporting Act section 623 ( a ) ( 3 ) Experian had 30 days to complete this investigation! They have failed and have now violated federal law. ( see credit report dated XXXX XXXX, 2016 proving their violation attached ) : 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. I am sending one more letter dated today XXXX/XXXX/2016 with this complaint attached.

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 2017-01-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
all XXXX credit agencies have me reported as deceased.do n't know how long it has been on my report.i recently applied for credit report and discovered why my cards are being canceled.i keep getting the run around.i want to know who, why, when and what information was reported and why it was n't verified with vital/records, social security administration, employment or insurance dept.this is a headache, lots of phone calls, writing letters/stamps, time consuming and getting them to understand after repeating the same thing over and over.my main complaint is why was n't it investigated before sending to credit bureau and who regulates procedures/policies for credit agencies to follow before entering information on citizens record,

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 2016-04-25 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I went on line for a free credit report from Experian and bought a credit score for {$4.00} with my debit card. Then they started charging my debit card {$19.00} for 2 month now. I think this was a trick. Is there anything I can do? That was {$40.00} I do not have ...

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 2015-07-08 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian Credit reporting agency signed me up for for " credit monitoring '' without my consent then refused to refund the charge. The business model they have employed does not rely on selling a service, it relies on consumer not reading the tiny declaimer at the bottom of a web site that that you think is verifying identity, but unknown to the consumer they are being " subscribed ''. This may or may not be Fraudulent by the letter of the law but is CERTAINLY fraudulent by the spirit of the law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been trying to file a dispute with Experian regarding an inaccurate item on my credit report, but Experian will not accept the dispute saying it was previously disputed. I tried to upload additional documents to support my dispute, but their system keeps giving me errors, although it is the correct document format. I have had this issue with Experian time and time again. 
The item I am trying to dispute is the following : XXXX XXXX XXXX, Acct # XXXX ... 
This account is being reported inaccurately by XXXX on my credit report as a foreclosure or shortsale. This was a forgiven debt by XXXX in which they forgave the debt in a settlement with the DOJ. 
Experian needs to allow me to dispute this item, and they need to fix their website so that I can upload additional supporting documentation

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 2016-09-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
While checking activity on my credit report with Experian I found that I had a collection on my account added 4 months ago. It is from a collection company called XXXX XXXX XXXX claiming I owe the XXXX XXXX XXXX, a payday loan company, {$720.00} from XXXX. 

1. I do not recognize this lender and question the legitimacy of this claim. If this was a debt from XXXX why am I just hearing about this or seeing it on my credit report in XXXX. 

2. XXXX is a payday loan company. It 's illegal for payday loan companies to lend money to residents of NJ due to our usury laws. 

" XXXX. XXXX makes it a criminal offense to charge, take from, or receive, from any individual, interest at a rate exceeding 30 % per year. Further, XXXX XXXX renders it a criminal offense to charge, take from, or receive, from any corporation, limited liability company ( an " XXXX '' ), or limited liability partnership ( an " XXXX '' ), interest at a rate exceeding 50 % per year. 

In other words, in New Jersey, charging, taking from, or receiving, from any individual, interest of more than 30 % per year is criminal usury. So, too, in New Jersey, charging, taking from, or receiving, from any corporation, XXXX, or XXXX, interest of more than 50 % per year is criminal usury. 

Criminal usury is a crime of the second degree if the rate of interest on the loan is more than 50 % per year. XXXX XXXX ( a ). Criminal usury is a crime of the third degree if the interest rate on any loan made to any individual is more than 30 % per year but less than 50 % per year. Id. XXXX ( a ). '' Payday loans usually have rates well over usury. I do not have any information on this supposed loan but would love to see the original loan agreement because I sure XXXX group llc and now XXXX XXXX are committing a criminal offense collecting a loan with high interest rates. 
XXXX XXXX XXXX. When searching for information about XXXX XXXX XXXX I have found reports of law suits and even a motion that has shut XXXX down resulting from a law suit from the FTC. 
XXXX XXXX XXXX XXXX The court has deemed the practices of XXXX XXXX XXXX as XXXX and XXXX. How can XXXX XXXX XXXX now prey on people who had loans from XXXX, if these debts are even valid, if they where shut down? Who is XXXX XXXX XXXX? Are they somehow part of XXXX XXXX XXXX? 

I ask that the Consumer Financial Protection and the credit reporting agencies please review my dispute. There is something not right with XXXX XXXX XXXX and their claim that I owe them or XXXX money. Please help me remove this item from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have been the victim of identity fraud and have contacted the credit agencies about the numerous inquires listed below that were not initiated by me. the credit bureau simply states that i need to contact the creditor. When the creditor is contacted they can not provide any proof where I consented to have my credit run. further more they refer me back to the credit bureau. Im not getting anywhere and want these inquires removed from my file as they are hindering me from obtaining credit and better interest rates at the bank. 
The following inquires were not made or authorized by me : 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 non-monetary relief
Consumer complaint received 2016-06-30 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Issue was not resolved, and collections companies ( XXXX and XXXX XXXX ) continue to show on my credit report. Are hospital bills allowed to show on a credit report? A law was recently passed to prohibit this practice.

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 2015-11-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Nationwide Recovery Systems, Ltd
State: CA

Complaint narrative:
I noticed a debt from XXXX mobile company that is not from my doing. I wish to dispute this debt since it is not from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13 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 am filing this complaint against Experian because they are reporting information on a XXXX account # XXXX. They are reporting this account incorrectly and inaccurate they refuse to re dispute the account saying the creditor says they are reporting correctly the account. Experian is reporting the account as a business account when the account is being alleged by target as a personal. The first date of delinquency on the account on the letter directly from XXXX XXXX/XXXX/2009 which means the account is reporting past the FCRA allowed time. I need this account removed from my credit file immediately.

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 2016-12-30 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I have asked Experian to provide me proof of PERMISSIBLE PURPOSE for the inquiries that are circled and highlighted in the attached document. Many of them say " Unspecified Reason '' therefore no permissible purpose can be acknowledged nor proven by the companies that asked for my credit. I also have a few from XXXX XXXX XXXX XXXX that says they tried to do a car loan for me. I NEVER asked XXXX XXXX of all companies to finance a car for me. XXXX is my bank and they are the ones that did the car loan for me. Many of the companies that are listed as pulling my credit I have no idea who they are and I never received any kind of credit from them. THIS IS NOT ASKING EXPERIAN TO PUT ANY KIND OF FRAUD ALERT OR FREEZE ON MY FILE. This compliant is being filed because I have asked Experian to provide permissible proof that I asked these companies to grant me credit which they never did. You can see right on their own report that the reason is Unspecified, if that is the case how can they show permissible purpose. This is simply Experians way of trying to hurt me financially and I will not stand for it. I am demanding that the Inquiries that I have listed be removed because I DID NOT give permissible purpose to those companies at that time to pull my credit. The guidelines are very specific on permissible purpose Employment, preapproved credit, investments, credit monitoring, mortgage or insurance. NONE of the ones circled meet that criteria and I am DEMANDING that Experian Remove these inquiries immediately as I have asked them by writing 3 times to do this and they ignore my request each 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 explanation
Consumer complaint received 2015-08-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
got a home equity loan in XX/XX/XXXX got pay of balance for my card + husbands at XXXX XXXX, Mailed both checks on about XXXX. The credir card company applied XXXX payments to my husbands account, leaving mine past due and over the limit. I did not discover their error until XXXX at which time I called and inquired about status of card, they finally applied payment to my account on XX/XX/XXXX. They accumulated late fees during that time and now say I owe {$630.00} I have been fighting this for 5 yrs. It is clearly their error. I have receipt of check from bank and statement showing when payoff was applied from XXXX XXXX. I contacted them within 30 days by mail to dispute it but they say they never got letter, so this is on my credit report, I have tried to resolve this matter but the card co. says because I mailed XXXX payments in same envelope is why they applied it to husbands acct. both checks were clearly written with each name and acct # on them. I can not be responsible for their mistake, they have hired collection cos. and when I explain the situation they just say well we are n't going to resume any collection from you, so they hire another XXXX. This is crazy, I told the gentleman last time he called that if Husbands card was over paid by law they were send overpayment to him. Then and only then did the phone calls stop, our bank has been contacted in this matter but does n't seem to want to help even thou they wrote the check. Do n't know what to do at this point.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have notified Experian on multiple occasion that some one used my personal information to open credit accounts online with XXXX XXXX XXXX XXXX. I have provided the Identity Theft affidavit, proof of resident as well as the police report information. I have also asked that the information be blocked from my credit report in writing. They refuse to investigate or comply with the rights I have been provided under the law for victims of Identity theft.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-16 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: CA

Complaint narrative:
I have been unable to obtain an Experian score and I 've contacted them twice and have been told I have a score yet I ca n't pull it up?!

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 2015-04-26 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:
My concerns are the Inquiries that is on my credit report. I am not concern with the bill you see because I taken care of that already. As you can see I sent them a detail report of the Inquiries on my credit report in which I have no clue why they are on my credit report. This is my complaint against Experian. In which I wrote to them all asking to remove the inquiries that I did n't not authorize with no one verbally, electronically, or written to pull my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation