vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-19 00:00:00
Product: Student loan — Private student loan
Issue: Issue where my lender is my school — Cannot graduate, receive diploma, or get transcript due to money owed
Company: AES/PHEAA
State: FL

Complaint narrative:
My Name Is XXXX XXXX XXXX Im lookiong for legal council to help me in a serious financial debate with XXXX XXXX 

Following up on a previously addressed complaints to many staff members, Consumer Financial Protection Bureau ( CFPB ), The Attorney Generals Office and Even FedLoans services with no progress towards my case. Bringing me to seek Now Legal Action. 
The following information sums up my on going issues with thye university. 


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 XXXX Payment Method : Personal Check or Bank Debit Subject : Falsified State and Federal Information and stoping my education XXXX Falsified Multiple Federal and State Documents under my student Identification number ( XXXX ) applying my federal grants and Federal loans for semesters after my withdraw from the university on XXXX Semesters that were falsely applied ran from XXXX. 
Pell Grant amount applied- {$3500.00} XXXX XXXX XXXX {$3500.00} Stafford In-subsidized Loan- {$6000.00} Student Payments expected- {$670.00} Scholarship Used- {$750.00} Funding Plan ID : XXXX Version : XXXX Generated XX/XX/XXXX Regardless of Withdrawal this amounts were authorized and processed. Eventually reflecting as negative accounts on my credit score for years. An stoping me from continuing my education because a the school refused to release my transcripts.

Taxes were filed on a 1098-T XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Student SS # XXXX Payments Received {$6400.00} Scholarship or Grants {$1700.00} Service provider/Acct. No. XXXX I have documens, Recipts, Emails from Staff Members, applications and with drawl forms supporting my case. 
In XX/XX/XXXX I received Statements stateing I was paid in full and had no other debt towards XXXX XXXXFor Just ONE example. 

I would like to forward you the documents I received and have had on file starting that I dont owe them any more debt. Yet I still am tortured from the staff in XXXX and they refuse to release my transcripts. 

My educational gains my financial goals and my mental health has been completely disrupted by the university and the complete fact that they ignore the proof that I have that they wrongfully will not release my transcripts to this day and XX/XX/XXXX, when I requested them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian, XXXX XXXX, XXXX willfully continues to violate the FCRA by reporting Transactions on my report. law 15 USC 1681a ( d ) ( 2 ) ( i ) clearly states that transactions between consumer and the person/ corporation making the report are not included on the consumer reports, but yet Experian continues to break the law willfully and report the transactions on my consumer reports. 

From what the Law states you are in VIOLATION OF THE FCRA METRO 2 COMPLIANCE And reporting violations. 

15 USC 1681a ( d ) ( 2 ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to TRANSACTIONS or experiences between the consumer and the person making the 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 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I looked at my credit report and notice XXXX accounts ( XXXX XXXX, XXXX XXXX XXXX XXXX that shouldn't be reporting on my consumer credit report. I reached out to the CRA ( Equifax ) with dispute letters to get a proper investigation with proper identity and proof of resident since XX/XX/XXXX and corresponding mail receipt to keep record of communication, which i will include. Equifax XXXX conclusion is that XXXX these accounts are factual record of file and will remain on credit file. With respect to the FCRA requirements and can prove my rights have been violated because of willful noncompliance and they are subject to criminal liability violations. Some FCRA requirements that were violated was that CRA has a duty to maintain accurate credit reports, follow reasonable procedures to ensure the accuracy of the information in your reports, and XXXX CFR Part XXXX according to 15 USC 1681a 2 ( A ) Exclusions the term consumer report does not include ( i ) report containing information solely as to transactions ( Credit transactions which are their permissible purpose ) or experiences between the consumer and person making report. Also 15 USC a 2 ( B ) Any authorization ( auto loan ) ( credit appliances ) or approval of a specific extension of credit directly or indirectly by the issuer of a credit card ( my social security card and my driver license are credit card according to the law ) or similar device. I Have suffered many damaged because of willful noncompliance of the law and are seeking monetary compensation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
there are unauthorized inquires on my credit report. i have attached a ftc report that shows unauthorized inquires

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 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXXXXXX Balance : {$15000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$15000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 non-monetary relief
Consumer complaint received 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This is my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX {$420.00} XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'm disappointed by your claims & am rejecting on the basis that you lack any material fact to support your claim... Please DISPUTE THESE ACCOUNTS! Or I will be seeking a legal remedy from you. Frustration, distress, annoyance, and outright anger. These emotions stem from the painstakingly slow response and the repeated denial of my identity theft claim by your bureau. Let 's be clear ; this situation is nothing short of a nightmare. I've been grappling with unauthorized accounts and transactions, and the toll it has taken on my financial well-being and peace of mind is immeasurable. The emotional rollercoaster I've endured is beyond distressing. I expect a written acknowledgment of this dispute letter and a clear commitment to investigate my identity theft claim promptly. XXXX XXXX XXXX and XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX. Please delete these accounts 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 non-monetary relief
Consumer complaint received 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm disappointed by your claims & am rejecting on the basis that you lack any material fact to support your claim... Please DISPUTE THESE ACCOUNTS! Or I will be seeking a legal remedy from you. Frustration, distress, annoyance, and outright anger. These emotions stem from the painstakingly slow response and the repeated denial of my identity theft claim by your bureau. Let 's be clear ; this situation is nothing short of a nightmare. I've been grappling with unauthorized accounts and transactions, and the toll it has taken on my financial well-being and peace of mind is immeasurable. The emotional rollercoaster I've endured is beyond distressing. I expect a written acknowledgment of this dispute letter and a clear commitment to investigate my identity theft claim promptly. XXXXXXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXXXXXX. Please delete these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
It has come to my attention that there are remarks/comments linked to this account is inaccurate, and I believe it is in my best interest to have them expunged. I have reviewed the details associated with this account, and I kindly request that any remarks/comments be removed from the account. I am committed to maintaining accurate and up-to-date credit information, and I believe that the presence of these remarks/comments may not accurately reflect the current status of the account. Therefore, I respectfully ask for their removal to ensure the accuracy and fairness of my credit profile. I am writing to formally request the removal of remarks/comments associated with the following account : XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2022. I kindly request that you initiate the necessary investigation to assess the validity and relevance of these remarks/comments. If it is determined that their presence is unwarranted or misleading, I request that they be promptly removed from my account. I understand that the Consumer Financial Protection Bureau ( CFPB ) encourages credit reporting agencies to ensure the accuracy of consumer credit reports, and I trust that your bureau will take the appropriate steps to address this request.

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 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXXXXXX Balance : {$15000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am unwilling to accept your attempt to diminish the significance of my identity theft claim as a mere error or a misrepresentation of crucial information. It is important to note that you lack the authority to determine what qualifies as a material fact ; you neither serve as a judge nor a jury, nor do you possess the capacity to render such judgments. Your right to do so is unequivocally absent. My distress stems from the fact that I have become a victim of identity theft, a criminal act that has inflicted severe emotional and financial distress upon my life. Regrettably, the response, or lack thereof, from your bureau has demonstrated a startling indifference to the urgency and gravity of my situation. Allow me to be unequivocal : I will not tolerate the apathy and indifference that I have encountered thus far. As an identity theft victim, I have endured the consequences of unauthorized accounts and transactions that have tarnished my credit profile and placed my financial stability in jeopardy. These repercussions have been profound, affecting my ability to secure loans, mortgages, and even employment opportunities. PLEASE DELETE THE ACCOUNTS : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX Balance : {$0.00} XXXX-XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX 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 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX Balance : {$0.00} XXXX-XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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 non-monetary relief
Consumer complaint received 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
debt collector is in violation of fdcpa. They are reporting this allege debt on my credit report. I never gave them consent to report this allege debt. in addition, they have unauthorized access to my private personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am unwilling to accept your attempt to diminish the significance of my identity theft claim as a mere error or a misrepresentation of crucial information. It is important to note that you lack the authority to determine what qualifies as a material fact ; you neither serve as a judge nor a jury, nor do you possess the capacity to render such judgments. Your right to do so is unequivocally absent. My distress stems from the fact that I have become a victim of identity theft, a criminal act that has inflicted severe emotional and financial distress upon my life. Regrettably, the response, or lack thereof, from your bureau has demonstrated a startling indifference to the urgency and gravity of my situation. Allow me to be unequivocal : I will not tolerate the apathy and indifference that I have encountered thus far. As an identity theft victim, I have endured the consequences of unauthorized accounts and transactions that have tarnished my credit profile and placed my financial stability in jeopardy. These repercussions have been profound, affecting my ability to secure loans, mortgages, and even employment opportunities. PLEASE DELETE THE ACCOUNTS : 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 response to consumer: Closed with explanation