vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This Credit Bureau complaint is in regards to whomever was responsible in the " pair '' of CFPB complaints on file at this time pertaining to.. 

CFPB Complaint # XXXX, and alsoCFPB Complaint # XXXX. 

I do not have an awareness as to who or whom is at fault regarding the errors contained within the other XXXX complaints mentioned/or referenced above pertaining to/or involving " XXXX '' AND " XXXX '' PLEASE HELP!!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I submitted a dispute on inquiries that were XXXX and XXXX times by the same people with the same address and name some only a day apart but after the dispute instead of deleting some of them ( XXXX ) they doubled ( XXXX ) them and now my score dropped XXXX points. All XXXX Credit companies are the same they do what they want some one puts something on your report and even if its false its like pulling teeth to get it off. You either have to live with it or pay someone to try and get it off and not everyone ca n't afford {$80.00} a month. I live in Florida and not XXXX of those companies are here so they do n't abide by the new laws of our bankruptcy as I filled and was reported XXXX/XXXX/2011 and since I 've try to rebuild my credit it was XXXX before I contacted XXXX now its XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian has fraudulent information listed on my credit file from XXXX XXXX XXXX XXXX Numerous attempts to dispute this Inaccurate and Unverifiable information have been made with no remedy. Supporting documentation will be sent via U.S. Mail

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My student loans have always been in Deferment and Forbearance due to my situation at the time. Anytime I took on the deferment or forbearance the creditor re-aged the account and back dated the deferment or forbearance however on my credit report there is some inconsistency. XXXX XXXX XXXX shows I have missed XXXX payments open in XXXX 2007 on XXXX account and XXXX payments on the additional account opened XXXX 2007. The information is reported incorrectly.

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 2015-08-01 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: FL

Complaint narrative:
I contacted " Experian '' directly, and was somehow redirected to " XXXX '', I paid my XXXX for my Experian credit report but only got to view my XXXX XXXX and XXXX. fico score, I already got this info from credit XXXX XXXX, Experian is unlawfully in collusion with other corporations to hide, and make it to impossable for me to obtain!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-02 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:
There is a collection account through a company I have n't had services with for a long time. My account was closed and paid for. This is unknown to me. I need this company to validate this

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 2017-02-01 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The federal Fair Credit Reporting Act ( the " FCRA '' ) section 604 outlines permissible purposes of consumer reports. On that outline it is very specific as to what qualifies. Go threw ALL of it and you will notice that it is NOT APPLICABLE to those Hard inquiries. These inquires are not from Collection agencies, Employers, Government Licensing, Insurance companies, National security, or from creditor that I have existing accounts at the time of the inquiries, ect .... I have attached all of Section 604 as proof. Continuing to not follow CRA guidelines after these complaints have been made is willful noncompliance which is outlined Section 616 and 617 and there are legal consequences as outlined. And those legal consequences will be followed threw if willful noncompliance continues. In addition if I must I will send all of these transcripts to Senator XXXX office.

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 2016-08-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I paid for my credit report at XXXX today and my FICO scores are the following : XXXX : XXXX ; XXXX : XXXX ; and Experian : XXXX, but there are " revolving accounts '' that have been closed for years in some cases and should be removed. I was able to file online " disputes '' with XXXX and XXXX with ease and with no problems. But the online link for Experian from both XXXX and Experian 's own website sends the user in a circle and does not allow me to file my dispute -- even with all of my personal information from my credit report that Experian currently has on file. I also tried Experian 's XXXX # XXXX with again being sent in a circle and eventually hung up on by the automated system.

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 2016-06-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
XXXX has placed a collection on my credit file dated XXXX XXXX, how can you place a collection on my credit file for XXXX XXXX and I paid this account with XXXX on XXXX XXXX so please inliting me how can you pay a bill in XXXX XXXX and now you put a collection on my credit file in XXXX XXXX saying a collection XXXX XXXX so how can a collection be placed on my credit file for XXXX XXXX and this account was paid back in 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 2016-03-15 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
We are happy that this obligation is now behind us, please note the damage to my consumer credit 1. Credit report agency -Experian is showing this legal item of {$600.00} paid, 2. Credit report agency -Equifax is showing this as legal item not paid Requesting complete removal of this item

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 2015-09-10 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:
I have been writing the XXXX credit agencies to remove the theft off my credit report i even hired attorneys to have incorrect moved and it stills remains which is effecting my credit score and effecting me from getting anything in my name which is effecting my life and my children life. I have file many complains for frauds on my account and still not actions have been made which is getting out of control. I also have things on my report that is pass 7 years old which should have been deleted and things thats not even mines. I filed dispute after dispute and even ask if they can investigate still nothing have happen. half of the addresses on my report i never even lived at. I have several accounts with XXXX, wi XXXX XXXX XXXX which is not mines. XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX which is not mines. I will like someone to investigate to see is using my name and ss XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2016 I Submitted a dispute to Experian regarding a collection account placed on my credit report by XXXX XXXX XXXX. I disputed the account information as it was reporting an incorrect date of default from the original creditor, incorrect original balance, and incorrect account history. I requested a full deletion of the account since XXXX had been unable to provide accurate dates and terms, and due to the fact that the account should have aged off based on the true date of default. The original account, owned by XXXX XXXX, is no longer on my report as it has already aged off. 

I received the final results of Experian 's investigation on XX/XX/XXXX. Although. Experian failed to verify the accuracy of the collection account. Instead of promptly deleting an account that is reporting inaccurately and past the age-off date, they updated the information with a new, yet still incorrect account status, account history, and account terms. This update looks as though this is a recently paid collection and it has negatively affected 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 2015-06-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I filed a dispute online, but received no confirmation number or email confirmation. I subsequently tried to check the status of the dispute, but I was unable due to my not having a report number or dispute number. I tried to call Experian to find out what to do, but there seems to be no way to speak to a person unless XXXX want purchase a product form them. It should not be so difficult to correct information on this report, which has critical impact on my personal credit status.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-12 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I am a new Macy 's card holder. I made XXXX purchase for {$92.00}. My husband made XXXX payment. The balance was {$58.00}. I am diligent about our credit, we are saving for a new home and want to keep me credit score strong, so I paid the balance online on XXXX XXXX (? ), early. 

I received a phone call from Macy 's yesterday, saying my account payment did not go through and now the payment is late, late charges, interest and returned check fees adding to over {$200.00}. 

I was devastated! They did refund the late fee and interest fee but would not remove the returned check fee because it was an error on my part. Clearly, I was trying to maintain my account by paying early. Why could n't they call me sooner? 

I paid the balance of {$58.00} and {$130.00} in returned fees over the phone and vow to never shop at Macy 's again! 

This is a disgrace! 

XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-01 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
the company has listed several recent inquiries that I am not familiar with and I would like them removed. my score was just literally over XXXX and now it is back down bc of this. I strive hard to keep my score going up, please do n't let my progress get hindered by fake inquiries

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 2017-02-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
The XXXX Department of Education discharged my student loans as a result of my total and permanent XXXX on XX/XX/XXXX. XXXX in turn discharged my student loans and reported this to all XXXX credit bureaus on XX/XX/XXXX. The XXXX Department of Education received notice from XXXX on XXXX that my loans were discharged. Nonetheless, and inexplicably, the XXXX Department of Education reported my loans not as discharged, paid in full, with XXXX balance, but rather reported them as in a balance status of {$100000.00} and {$95000.00} on XXXX XXXX XXXX. Now, each of the XXXX credit bureaus -- XXXX, Experian, and XXXX -- is incorrectly reporting that my loans are in balance status when they have been discharged by the XXXX Department of Education and XXXX for total and permanent XXXX and should show XXXX balance, paid in full, and closed. This represents deliberately false reporting to the credit bureaus and is discrimination against a XXXX person. These loans have been discharged for over 130 days. Please immediately resolve this and ensure that all parties and all credit bureaus show these loans as discharged, paid in full, and closed, with XXXX balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03 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: AZ

Complaint narrative:
It seems impossible to get a FACT ( free ) credit report online from Experian- it fails with a message saying a free report is not available at this time. 

All to conveniently, you can get a report on the website for what appears to be {$1.00}. However, this offer is misleading as the service actually costs $ XXXX/month. It is unnecessarily hard to cancel this service, which can only be done via phone.

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 2015-09-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Dear Sir/Madam, I am writing to request you open an investigation surrounding what I believe are unfair, improper and perhaps even illegal practices engaged in by ExperianIn XXXX of XXXX I suffered a significant financial blow when a business I owned failed, which ultimately necessitated a bankruptcy filing in XXXX of XXXX. 

I had several accounts with XXXX XXXX, all of which were in good standing until XXXX XXXX. Up till that point, I had never had any inaccurate credit reporting, or felt poorly treated by XXXX, and in fact had a stellar reputation with them and a very good credit rating overall. 

In XXXX of XXXX, XXXX was notified, as were all of my creditors, as to the Bankruptcy proceedings. At that time the accounts mentioned should have been reported to credit bureaus as " closed ''. 

Further, XXXX has repeatedly, and with what seems to be malice and purpose, incorrectly reported the disposition of my accounts to The Credit Bureaus. I have tried to resolve this by opening over XXXX investigations with each credit bureau, sending supporting documentation including bankruptcy orders, discharge orders, etc. to the credit bureaus, sending the same documentation to XXXX as well as having my attorney contact XXXX. Ultimately this has yielded " XXXX '' results, and the Credit Bureaus, despite my submission of supporting and explicit documentation, claims XXXX has verified the reporting. It is my belief this constitutes a willful and purposeful intent to harm me as a consumer, and is a violation, at the very least of the FCRA, but may consist of even more severe violation of other laws and/or regulations. 

XXXX has consistently incorrectly reported account on all XXXX of my reports in this way and despite supporting documentation to the contrary, the credit bureaus continue to incorrectly report it : '' XXXX '' accounts showing them XXXX, thus severely damaging my credit rebuildingHas reported accounts as being enrolled in a " wage earner program '', which has never been the case, and has damaged my credit worthiness. 

Is reporting most accounts as closed XXXX XXXX, even though they should show closed in XXXX of XXXX, which is severely damaging my credit rating. 

Has/Is reporting accounts as " open and late ''. 

the credit bureaus refuse to revise these inaccuracies, and seem only willing to list what XXXX tells them, despite my myriad documentation to the contrary.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-01 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Io, Inc.
State: VA

Complaint narrative:
I received a bill for {$150.00} from XXXX XXXX and sent a money order for {$150.00} to XXXX XXXX XXXX, XXXX, Maryland XXXX via united states postal service mail and delivery confirmation reports it was received on XXXX/XXXX/2016 at XXXX. Despite this, I received a letter dated XXXX/XXXX/2016 from Receivables Management Systems ( a collection agency for XXXX ) reporting that I have a remaining balance of {$54.00}. I do not, because I owed {$150.00} for the service and paid it in full in XXXX 2016.

Company response to consumer: Closed
Consumer complaint received 2016-08-17 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 disputed on XXXX 2016 the accuracy of a XXXX XXXX XXXX XXXX XXXX account that appears in my credit file with Experian. I requested that Experian provided to me the XXXX of XXXX used on their investigation pursuant to XXXX XXXX XXXX a ) ( XXXX ) of the FCRA. Experian has not responded to my request. See letter.

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: CO

Complaint narrative:
In 2012 I set up a temporary account for a one month rental we had at a house in XXXX XXXX XXXX, GA, just outside of XXXX. I closed the account after we moved out and paid the bill fully. Someone else moved into the house a month late, activated the account and then never paid the bill. 2 years later I got a bill, filed a complaint to XXXX and then they handled the dispute for me and said it was all taken care of. 

Two weeks ago I applied for a mortgage to buy my first home and my mortgage broker let me know that there was a negative file for " closed '' dispute on my file for XXXX for XXXX. I have called, emailed, called, emailed and have gotten no response from XXXX. 

This is significantly hurting my score and lowering my approval process on my loan. I am really upset that someone was able to use my identity, get this account set up and then after hours and hours of calls on the phone with XXXX I was told it was all handled and now 2+ years later its effecting me negatively. 

PLEASE HELP!

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 2016-02-04 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: IL

Complaint narrative:
Using the same personal information ( name, ssn, address, .. ) the Equifax is not able to provide me with my free annual credit report. The identity verification questions I was presented clearly show that the Equifax system is not able to identify me and later claim that the identification process failed, request I go through a mailed credit report for with a long list of identification documents copies. The other XXXX credit agencies ( XXXX, XXXX ) have been able to verify my identity online and provide me with my free credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I had a mortgage originally with XXXX XXXX without a escrow account. The mortgage was purchased in XXXX by PNC and in XXXX my wife sent a check to XXXX XXXX to pay property taxes and XXXX PNC stated the taxes were not paid and the county did not receive the payment. I reimbursed PNC in XXXX XXXX and called the XXXX XXXX XXXX office to no prevail. Everything was fine until XXXX XXXX, PNC stated I had an Escrow account which I never had and if I did I questioned a PNC representative why did you refund me the Escrow check in XXXX of XXXX. I continued to make my regular payments never late and they placed me into pre foreclosure. I have an attorney working on the foreclosure and filed a complaint with Illinois Attorney General office as well. They continue to take my money sometimes they refund the payments which they stopped payment on when I deposited the check into my bank account and report this late on my credit. I am in the progress of selling the home and need your assistance to get this resolved. 

I am also part of the class action lawsuit with XXXX XXXX XXXX/ PNC Mortgage on discrimination which was handled by your organization.

Company response to consumer: Closed with explanation