vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX  XXXX Accounts # XXXX has been paid and closed since 2020 but on my report, this is still showing with lates but my record shows XXXX balance. How can this be? They should be update this account.. This inaccurate account is preventing me from getting the credit I deserve and it needs to be updated immediately! 
XXXX  XXXX XXXX Balance : {$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 non-monetary relief
Consumer complaint received 2022-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : {$41.00}.

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 2022-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : {$41.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : {$41.00}.

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 2022-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is my sixth 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 of XXXX. 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 alleged fraud. Pursuant to Section 605B of the Fair Credit Reporting Act this account XXXX XXXX Balance : {$0.00} will be removed 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 2022-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This is my sixth 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 of XXXX. 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 alleged fraud. Pursuant to Section 605B of the Fair Credit Reporting Act this account XXXX XXXX Balance : {$0.00} will be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
This is my 6th 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. 

EXPERIAN : XXXX. XXXX XXXX XXXX XXXX : {$360.00} XXXX. XXXX XXXX XXXX XXXX : {$2300.00} XXXX. US DEPT ED XXXX Balance : {$3200.00} XXXX. US DEPT ED XXXX Balance : {$4400.00} XXXX. US DEPT ED XXXX Balance : {$4400.00} XXXX. US DEPT ED XXXX Balance : {$3200.00} XXXX. US DEPT ED XXXX Balance : {$1800.00} XXXX. US DEPT ED XXXX Balance : {$3100.00} XXXX. US DEPT ED XXXX Balance : {$4300.00} XXXX. US DEPT ED XXXX Balance : {$3200.00} XXXX. US DEPT ED XXXX Balance : {$3100.00} XXXX. US DEPT ED XXXX Balance : {$1700.00} XXXX XXXX XXXX. XXXX XXXX XXXX* Balance : {$360.00} XXXX. XXXX XXXX XXXX Balance : {$2300.00} XXXX. US DEPT ED XXXX Balance : {$3200.00} XXXX. XXXX XXXX XXXX XXXX Balance : {$4400.00} XXXX. US DEPT ED XXXX Balance : {$4400.00} XXXX. US DEPT ED XXXX Balance : {$3200.00} XXXX. US DEPT ED XXXX Balance : {$1800.00} XXXX. US DEPT ED XXXX Balance : {$3100.00} XXXX. US DEPT ED XXXX Balance : {$4300.00} XXXX. US DEPT ED XXXX Balance : {$3200.00} XXXX. US DEPT ED XXXX Balance : {$3100.00} XXXX. US DEPT ED XXXX Balance : {$1700.00} XXXX XXXX XXXX. XXXX XXXX XXXX Balance : {$360.00} XXXX. XXXX XXXX XXXX Balance : {$2300.00} XXXX. US DEPT ED XXXX Balance : {$3200.00} XXXX. US DEPT ED XXXX Balance : {$4400.00} XXXX. US DEPT ED XXXX Balance : {$4400.00} XXXX. US DEPT ED XXXX Balance : {$3200.00} XXXX. US DEPT ED XXXX Balance : {$1800.00} XXXX. US DEPT ED XXXX Balance : {$3100.00} XXXX. US DEPT ED XXXX Balance : {$4300.00} XXXX. US DEPT ED XXXX Balance : {$3200.00} XXXX. US DEPT ED XXXX Balance : {$3100.00} XXXX. US DEPT ED XXXX Balance : {$1700.00}

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 2022-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove any accounts which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

EXPERIAN : 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 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 2022-07-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: NJ

Complaint narrative:
President Biden has canceled student loan debts worth {$3.00} XXXX. And this cancelation includes the {$500.00} XXXX of XXXX XXXX student loan forgiveness. 
I am a former student and attended the college from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I submitted an online dispute with equifax on XX/XX/22 for XXXX account # XXXX. I received an update online on XX/XX/22 stating my account was verified as accurate. I'm confused as to how they were able to investigate this account in only 6 days and make a determination that its accurate. On XX/XX/22 I sent them a letter requesting them to provide me with validation of how they completed the investigation and verified this debt to be accurate. They are saying they did but according to law they didn't do a proper investigation. According to law they violated my consumer rights and these consumer laws. 
15 USC 1681. ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
This is my several attempt to get this matter resolved. I've submitted previous complaints with the CFPB & you claim I'm submitting the information for someone else... I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong 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 non-monetary relief
Consumer complaint received 2022-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong 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 non-monetary relief
Consumer complaint received 2022-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
This is my several 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. Regardless of the multiple written requests, the public record, accounts and inaccurate information listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with ( EXPERIAN, XXXX, XXXX ), they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove these items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed : XX/XX/XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed : XX/XX/XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed : XX/XX/XXXXXXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed : XX/XX/XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed : XX/XX/XXXX XXXX XXXX Balance : {$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 non-monetary relief
Consumer complaint received 2022-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MT

Complaint narrative:
I submitted a letter to the Experian Credit Bureau XX/XX/XXXX to update this suspicious information. I think you have not validated these 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 XXXX, and I'm including it again. 

XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$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 2022-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
This is my 6th 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**** Balance : {$360.00} XXXX XXXX XXXX XXXX**** Balance : {$2300.00} 3. US DEPT ED XXXX**** Balance : {$3200.00} 4. US DEPT ED XXXX**** Balance : {$4400.00} 5. US DEPT ED XXXX*** Balance : {$4400.00} 6. US DEPT ED XXXX**** Balance : {$3200.00} 7. US DEPT ED XXXX**** Balance : {$1800.00} 8. US DEPT ED XXXX*** Balance : {$3100.00} 9. US DEPT ED XXXX**** Balance : {$4300.00} 10. US DEPT ED XXXX**** Balance : {$3200.00} 11. US DEPT ED XXXX**** Balance : {$3100.00} 12. US DEPT ED XXXX**** Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX**** Balance : {$360.00} XXXX XXXX XXXX XXXX**** Balance : {$2300.00} 3. US DEPT ED XXXX**** Balance : {$3200.00} 4. US DEPT ED XXXX**** Balance : {$4400.00} 5. US DEPT ED XXXX**** Balance : {$4400.00} 6. US DEPT ED XXXX**** Balance : {$3200.00} 7. US DEPT ED XXXX**** Balance : {$1800.00} 8. US DEPT ED XXXX**** Balance : {$3100.00} 9. US DEPT ED XXXX**** Balance : {$4300.00} 10. US DEPT ED XXXX**** Balance : {$3200.00} 11. US DEPT ED XXXX**** Balance : {$3100.00} 12. US DEPT ED XXXX*** Balance : {$1700.00} TRANSUNION : 1. XXXX XXXX XXXX**** Balance : {$360.00} 2. XXXX XXXX XXXX**** Balance : {$2300.00} 3. US DEPT ED XXXX**** Balance : {$3200.00} 4. US DEPT ED XXXX**** Balance : {$4400.00} 5. US DEPT ED XXXX**** Balance : {$4400.00} 6. US DEPT ED XXXX**** Balance : {$3200.00} 7. US DEPT ED XXXX*** Balance : {$1800.00} 8. US DEPT ED XXXX*** Balance : {$3100.00} 9. US DEPT ED XXXX*** Balance : {$4300.00} 10. US DEPT ED XXXX**** Balance : {$3200.00} 11. US DEPT ED XXXX**** Balance : {$3100.00} 12. US DEPT ED XXXX**** Balance : {$1700.00}

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 2022-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
This is my 6th 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 Balance : {$360.00} XXXX. XXXX XXXX XXXX Balance : {$2300.00} XXXX. US DEPT ED XXXX Balance : {$3200.00} XXXX. XXXX XXXX XXXX XXXX Balance : {$4400.00} XXXX. US DEPT ED XXXX Balance : {$4400.00} XXXX. US DEPT ED XXXX Balance : {$3200.00} XXXX. US DEPT ED XXXX Balance : {$1800.00} XXXX. US DEPT ED XXXX Balance : {$3100.00} XXXX. US DEPT ED XXXX Balance : {$4300.00} XXXX. US DEPT ED XXXX Balance : {$3200.00} XXXX. US DEPT ED XXXX Balance : {$3100.00} XXXX. US DEPT ED XXXX Balance : {$1700.00} EQUIFAX XXXX XXXX. XXXX XXXX XXXX Balance : {$360.00} XXXX. XXXX XXXX XXXX Balance : {$2300.00} XXXX. XXXX XXXX XXXX XXXX Balance : {$3200.00} XXXX. US DEPT ED XXXX Balance : {$4400.00} XXXX. US DEPT ED XXXX Balance : {$4400.00} XXXX. US DEPT ED XXXX Balance : {$3200.00} XXXX. US DEPT ED XXXX Balance : {$1800.00} XXXX. US DEPT ED XXXX Balance : {$3100.00} XXXX. US DEPT ED XXXX Balance : {$4300.00} XXXX. US DEPT ED XXXX Balance : {$3200.00} XXXX. US DEPT ED XXXX Balance : {$3100.00} XXXX. US DEPT ED XXXX Balance : {$1700.00} XXXX XXXX XXXX. XXXX XXXX XXXX Balance : {$360.00} XXXX. XXXX XXXX XXXX Balance : {$2300.00} XXXX. US DEPT ED XXXX Balance : {$3200.00} XXXX. US DEPT ED XXXX Balance : {$4400.00} XXXX. US DEPT ED XXXX Balance : {$4400.00} XXXX. US DEPT ED XXXX Balance : {$3200.00} XXXX. US DEPT ED XXXX Balance : {$1800.00} XXXX. US DEPT ED XXXX Balance : {$3100.00} XXXX. US DEPT ED XXXX Balance : {$4300.00} XXXX. US DEPT ED XXXX Balance : {$3200.00} XXXX. US DEPT ED XXXX Balance : {$3100.00} XXXX. US DEPT ED XXXX Balance : {$1700.00}

Company response to consumer: Closed with explanation