vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-29 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX obtained a copy of my credit report on a debt that had been paid. I called Experian and asked why they were able to obtain my credit report when no permissible purpose was granted and they have no permissible purpose. 
" FCRA 604. Permissible purposes of consumer reports ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 3 ) To a person which it has reason to believe " FCRA 607. Compliance procedures [ 15 U.S.C. 1681e ] Identity and purposes of credit users. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of sec-tion 605 [ 1681c ] and to limit the furnishing of consumer reports to the purposes listed under section 604 [ 1681b ] of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 604 [ 1681b ] of this title. '' ( A ) intends to use the information in connection with a credit trans-action involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; '' The FCRA does NOT limit a consumer to {$1000.00} per violation. That limit is for statutory damages under the FDCPA, not for civil liability under the FCRA. 
Civil action under the FCRA is covered under FCRA 616 for Willful Noncompliance, and FCRA 617 for Negligent Noncompliance. 
FCRA 619 provides that " any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, United States Code, imprisoned for not more than 2 years, or both. ''

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 2016-10-25 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:
The account of XXXX which has been attached has not been removed from my credit report. This account should be removed from my credit report as it is not mine and a police report has been filed to show that it is a fraudulent charge.

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

Complaint narrative:
I have been associated with a XXXX XXXX who lived or lives in XXXX XXXX, Michigan for years and believe it has had a negative impact on my report. Also some birthdate saying I was born in XX/XX/XXXX. I would like an explanation for this and what it is this person in XXXX XXXX is doing on my credit report, and would like it 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 2015-08-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have received a credit card application in my XXXX year old 's name, XXXX XXXX XXXX, what do I do? My purse was stolen from my vehicle 2013 including my and children 's social security cards. Nothing came of it until this. Help me with my next step please!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26 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: NJ

Complaint narrative:
The website is totally inconsistent. I easily obtained credit reports from XXXX and XXXX but Experian will not process my online request and will not let me resubmit the request. I have no idea of how to dispute this with Experian. They should be required to have a live customer service 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 2016-05-03 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX XXXX Certificate of Savings Deposit for my XXXX children in XXXX and XXXX at XXXX XXXX XXXX on XXXX XXXX XXXX in XXXX, PA XXXX. XXXX XXXX Bank was bought out on XXXX XXXX, XXXX by XXXX Bank ; on XXXX XXXX XXXX XXXX was bought out by XXXX XXXX XXXX Bank ; on XXXX XXXX XXXX XXXX XXXX XXXX XXXX was bought out by Wachovia Bank ; on XXXX XXXX, XXXX Wachovia Bank was bought out by Wells Fargo. While going through my paperwork I came across the Certificate of Savings Deposits. They have never been cashed. I never received a notice of forfeiture of money if not chased by a specific date. During the banks buy out no one ever contacted me or my children about the Certificate of Savings Deposits. I have contacted XXXX different Wells Fargo Banks, XXXX in XXXX and XXXX in XXXX. They give me the same line. We have no records after 7 years and there is on funds. I understand they have a dormant fund. The bank has never even informed me about this fund. We are not talking about XXXX dollars here. I just want my children to receive the money that they are entitled too. Please, I would appreciate any help. 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 2016-11-05 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I think it is a scam, I received a phone call from XXXX from a person who would n't give me her name stating she was calling from " XXXX '' and stating she was looking at my " Experian '' credit report and she wanted to lower my credit card interest rate. She was not professional and I felt extremely uncomfortable knowing she had my credit information. She stated she could see my last six months of payment 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 explanation
Consumer complaint received 2015-09-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dispute letter along with original documents from the Creditor was mailed in regarding the incorrect balance of XXXX. I do not owe the amount shown on my credit report. I also attached a letter explain the breakdown of the incorrect amount. The credit bureau has failed to insert a proper investigation for the item. The reporting agency only went by what the creditor responded. The documents clearly states the balance is incorrect. 
Attached in the packet was the original agreement, copy of payment summaries as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 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 went investigation of XXXX XXXX XXXX. It took about 25 day saw XXXX XXXX XXXX XXXX XXXX, XXXX. So I call customers XXXX XXXX, XXXX at XXXX so I went online gave {$50.00} Account Number XXXX and XXXX XXXX/XXXX/XXXX approve 2-3 day. So I go decide to go pay XXXX {$290.00} paid off. So I got a email from Manager XXXX XXXX XXXX/XXXX/XXXX them.and told me thank you its going about 7 day XXXX, Tx XXXX. So I online an I see XXXX {$290.00} and now I owed. I call XXXX XXXX XX/XX/XXXX and customers and he 's at lunch I will call you about I hour and they have n't call me back. I have approve Confirmation # XXXX XXXX/XXXX/XXXX XXXX # XXXX and Conformation # XXXX XXXX/XXXX/XXXX # XXXX XXXX {$290.00}. I paid it off.

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 2016-03-14 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I wanted to check my credit so I logged into Experian. It asked if I wanted to pay XXXX for my FICO score. I check yes. My score was perfect so I logged out. Somewhere along the line they say I signed up for some type of service with them and they billed me XXXX later. 
I did not authorize this nor did I see anything that said I was incurring this charge. I called and was told too late they had already processed the charge and could not reverse it. 
To charge someones credit card they need to make it plain to the consumer that they are being charged and should require a box to be checked authorizing the payment. 
I am a XXXX and resent being what I call tricked into a fee for something I do not want or need.

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

Complaint narrative:
I am complaining about experian credit reporting agency. I have been disputing incorrect information on my credit report with them. Now today I tried to re-dispute the same incorrect information and the system would not allow me to do so. A message came up after I put the items in the cart telling me I have already disputed this information and they will not re-dispute nor re-investigate the incorrect informaiton. I tried to add a personal statement to each one and I was not allowed to do that either. I have complained to the XXXX as well as experian will not allow me to re-dispute incorrect information. To be very specific and not to delay in processing my complaint. The following errors are reporting on my experian credit report : XXXX XXXX : was never paid late. I contacted XXXX at XXXX XXXX and left several messages and never received a return phone call in regards to this matter. XXXX ext : XXXX ... ..XXXX is reporting XXXX seperate loans. This is wrong I only had XXXX loan with them not XXXX ... ..XXXX credit card : never paid late ... .XXXX/ account paid in full before they sent this over to collection. It should have never been sent over to collection in the first place as I paid this account in full. XXXX keeps telling me I was to pay the XXXX and not XXXX directly. Regardless they received the money from me because it was the same account 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 explanation
Consumer complaint received 2015-04-23 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:
To Whom It May Concern : I received an alert by the Experian XXXX XXXX XXXX about an increase of the credit limit of a XXXX Card associated with me from $ 16k to $ 20k. While I am the holder of a XXXX Credit Card, branded " XXXX XXXX '', this card has a different limit ( $ 7k ). Moreover, this limit was not changed recently. 
I therefore conclude that XXXX XXXX is reporting incorrect information against my credit file. I demanded correction of the incorrect data reported against me from XXXX in writing, postmarked XXXX/XXXX/15. My communication to XXXX is attached. 
Thanks much for your assistance in this matter -- Kind regardsXXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have asked on numerous occasions for my address and Name be corrected on my Credit reporting account

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 2015-08-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
hi I want to inform you I had credit card with XXXX after that I decided to close this account for many reasons:1- my XXXX decrease 2- I was unable to pay on time so the bank charged me high interest 3- I called the collection agency phone number:XXXX several times in order to fix the problem and get agreement monthly payment but I do n't get any right response until right now.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
Experian is not responding to my requests to investigate and remove accounts from my credit report that were opened fraudulently.

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 2016-01-12 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: ND

Complaint narrative:
I am still waiting for the documents I requested. 

See attachment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-28 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 reviewed a copy of my credit report and the companies below ran an unauthorized credit inquiry on me on date provided. 
XXXX XXXXI never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact each company and investigate such occurrence.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: MORGAN STANLEY & CO. LLC
State: NJ

Complaint narrative:
In XX/XX/XXXX I paid a Morgan Stanley mortgage. For some reason they did not update my CBR on time. They submitted a letter to me in XX/XX/XXXX stating they made a mistake and it was corrected. However I am applying for a mortgage and a deragatory has appeared on my CBR and XXXX XXXX is deeming it an issue.Morgan Stanley claims they are trying but the mortgage department is no longer in tact and they do not know who can update my CBR. They have acknowledged the letter and their responsibility yet the issue is not resolved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-02 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:
I sent a letter to Credit Bureau certified XX/XX/XXXX because I am a victim of Identity theft. I was requesting a security freeze. I sent all the required documents -id, police report, ss card and utility bill and asked specifically for a freeze. I received response back from XXXX and Experian both that instead they placed an Extended Fraud alert and ignored my request for a security freeze

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
In XXXX of 2016, I discovered a public record of bankruptcy on my Experian report. I contacted the XXXX Bankruptcy Court via certified mail twice ( letters received and signed for by court XX/XX/XXXX16 and XX/XX/XXXX16 ) requesting verification of this account with documentation bearing my signature.Twice, the court failed to provide such proof. In addition, my Experian report never showed the item marked as disputed. 
on XX/XX/XXXX16, I sent via certified mail ( signed for by Experian on XX/XX/XXXX16 ) a request for removal of the item in light of the courts failure to provide signature proof or mark the item as disputed. Experian replied that as of XX/XX/XXXX16, the record had been verified and and would remain on my report. The record was not marked as disputed and Experian failed to provide documentation bearing my signature. An employee finding my name of a third party data mining database is not verification.

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 2015-07-10 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: VA

Complaint narrative:
Have tried to retrieve report on line - reports requested- with information - went directly to : we can not process your request, please call or request by mail '' when I call I can not get anyone on phone to help just given address and request for mail in form and payment check to process - wanting copies of SS card and other info - I have no way of securing info once it is mailed-all agencies are doing same thing -

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX is listed on my credit report as a collections account. The account needs to be deleted from my credit report immediately. XXXX XXXX XXXX signed a consent agreement on XXXX XXXX, 2015, with the Consumer Financial Protection Bureau because of their illegal and deceptive debt collection practices. Under the consent agreement, XXXX XXXX XXXX is to provide consumer refunds and correct credit reports for those consumers. My situation falls under the consent agreement and the collection account needs to be deleted from my credit report immediately. XXXX XXXX XXXX used deceptive and illegal debt collection practices to try and collect on the account they placed on my credit report. In addition, XXXX XXXX XXXX has incorrect information on my credit report which is a flagrant violation of the Fair Debt Collections Practices Act.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
# 1 Experian is reporting XXXX as well as XXXX funding and it is the same account. that is double jeopardy and must be removed as only the company that actually holds the account can report the account. If they are both reporting it, it looks like I owe twice the amount on my credit summary. The original creditor does NOT hold the account anymore, therefore it must be removed or must show that it was transferred to another company, which it does not. Please see credit report that is attached. 

# 2 I 've notified Experian that they have the wrong filing date on the bankruptcy and they came back saying that " bankruptcies will stay on your credit report for 7-10 years ''. I never asked how long they stay on there! I also wrote the court and their response was that they dont do any verification whatsoever with the credit bureaus and so, in consideration of the fact that they can not verify this and that they are reporting it incorrectly it must be removed. In addition, I did not give my authorization for them to report it on my credit file pursuant to FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ) : ( o ) Excluded communications. A communication is described in this subsection if it is a communication ( 5 ) with respect to which ( A ) the consumer who is the subject of the communication ( i ) consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication ; ( iii ) in the case of consent under clause ( i ) or ( ii ) given orally, is provided written confirmation of that consent by the person making the communication, not later than 3 business days after the receipt of the consent by that person ;

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 2017-02-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am a victim of identity theft. I have send letter to Credit Bureaus for blocking Fraud information, but they did n't send me proper notice for that investigation

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