vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to convey my deep annoyance and dissatisfaction with how your bureau has managed my identity theft disputes. Despite my repeated attempts to resolve this issue, I have encountered a frustrating lack of responsiveness and action from your side. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 

As a victim of identity theft, I have faced numerous challenges, both financial and emotional, due to unauthorized accounts and transactions appearing on my credit report. I reported these fraudulent activities to your bureau and submitted all the necessary documents and detailed explanations, to substantiate my claims and establish my innocence. 

However, it has been an exceptionally long period since I initially raised these disputes, and I have yet to receive a satisfactory response or resolution. This delay has not only caused me considerable stress but has also resulted in tangible negative consequences for my financial well-being. I have encountered denied credit applications, higher interest rates, and relentless harassment from debt collectors, all stemming from inaccuracies on my credit report. 

XXXX XXXX - XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I implore your bureau to take immediate and comprehensive action concerning my identity theft disputes. I insist that you prioritize my case, conduct a thorough investigation, and expeditiously remove the fraudulent accounts and transactions from my credit report. I also request a clearly defined timeline for resolution and regular updates on the progress of my dispute. 

As a consumer, I believe it is my right to have my concerns addressed promptly and diligently. Should your bureau fail to provide a satisfactory response within a reasonable timeframe, I am fully prepared to seek legal counsel and escalate this matter to the appropriate regulatory authorities to ensure that justice is served.

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 2023-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
When you call Chase Visa, there is a message that says they WILL use your voice recognition to verify. When I asked to be opted out and that i never gave my permission for voice recognition, it was extremely difficult. 
My voice is my personal identity and is NOT to be kept in their files to match. I should be asked for permission, not told it would happen and it should not take the below to opt out. 
The first person sent me to XXXX in XXXX Fl, he sent me to business tech side at XXXX, then i was sent to XXXX " a customer service specialist '', XXXX who was in XXXX for half and hour then an account supervisor. " XXXX from Texas '' I was on the phone with her for 40 minutes. 
XXXX was snarky and made a threat that she would have to hang up the phone if i did not give her permission to record, even though we had just discussed there were two recordings, one recording for the customer service process to assess how they are doing and can improve- i agreed to that as it is not AI matching my voice to a stored voice of mine in a database that i have no idea what protections i have to not be sold, etc. 
They do not have the right to record, store and/or use my voice for recognition. There are a gazillion less invasive, more private wasy to do this. HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 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: FL

Complaint narrative:
I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
On my credit report for TransUnion and XXXX, it is still showing a student loan balance, however, my loans were forgiven by the XXXX XXXX effective XX/XX/2023. The balance for my loans need to reflect {$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 2023-12-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: COLORADO HOUSING AND FINANCE AUTHORITY
State: CO

Complaint narrative:
I started investigating my mortgage in XXXX, by XX/XX/XXXX I suspected that this was a fraudulent transaction and started by sending refuse for cause without dishonor their requests for payment and inquiring about the details of this particular transaction. I was met with my questions being avoided and lack of meaningful response every time. It didn't appear that GAAP accounting was adhered to, and I suspected the accounting to be falsified. I later discovered that my Note funded the transaction and I wasn't given full disclosure. After trying to get answers that were never answered, I was met with a lawsuit from the opposing party 's debt collection attorneys at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX who I believe is guilty of identity theft by using my private data and placing on the public record for unjust enrichment without having standing to do so and who had Never after multiple requests proved their authority to do what they've done. I submitted a complaint to the CFPB back in XXXX and I didn't receive a valid response to my complaint. All the company did was avoid my complaint and say they referred me to their attorneys back in XXXX of XXXX and they followed up my mailing copies of the Deed of Trust and basic mortgage documents that they always send to avoid direct questions. That response is unacceptable. I was never given full disclosure, I do not believe that I ever received a " loan '' and it is obvious by their silence they have much to hide. Colorado Housing and Finance Authority was given notice by way of Notary presentment of their default and dishonor and opportunity to cure and they were send an affidavit of truth, opportunity to respond and a self executing contract that they agreed to if they refused to respond once again.. That Notice was sent out by registered and certified mail to the master servicer and their sub servicer. All have continued to acquiesce, therefore they have be default agreed to the attached self executing contract. They have not given me response to the notice of rescission, not have they returned my property as commanded by law. They continue to leave my home on the foreclosure sale list and have not returned any of my property as requested and as obligated by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The inconsistency in your reporting is not only inconvenient but also damaging to my financial standing and overall well-being. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. WHY DOES YOUR BUREAU TAKE AN INORDINATE AMOUNT OF TIME TO RECTIFY INACCURACIES WHEN OTHER CREDIT BUREAUS HAVE MANAGED TO COMPLETE THEIR REPORTS ACCURATELY AND PROMPTLY? THIS DELAY IS NOT ONLY UNACCEPTABLE BUT ALSO INDICATIVE OF A LACK OF COMMITMENT TO ENSURING THE INTEGRITY OF THE CREDIT REPORTING SYSTEM. 
XXXX XXXX  PLEASE DELETE!!! XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
XXXX XXXX XXXX XXXX XXXX PLEASE DELETE!!! XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
XXXX XXXX XXXX XXXX XXXX PLEASE DELETE!!! XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
XXXX XXXX XXXX XXXX PLEASE DELETE!!! XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
It has come to my attention that there are significant disparities in the reporting of fraud accounts across different credit bureaus. While some bureaus have successfully and promptly removed these fraudulent accounts from my credit report, your bureau seems to be lagging behind, causing unnecessary confusion and distress on my part. I insist that you prioritize the resolution of this matter urgently and provide me with a detailed explanation of the steps you are taking to rectify the inconsistencies in my credit report. The delayed removal of fraudulent accounts is not only a violation of my rights as a consumer but also a direct threat to my financial stability.

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 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SECURITY FINANCE CORP
State: TX

Complaint narrative:
There seems to be an account on my credit report from Security Finance listed as a charge off, which is debt that has been discharged and you took a tax write on. After contacting the IRS they explained that it was illegal that you were reporting this information to my credit report trying to collect or having a charged off status. This is called tax fraud upon the IRS and you will be reported for such. The following account was written off, yet you are still reporting a balance for account XXXX. This is a clear violation of the FCRA. I demand you to remove this item from my credit report. You violated the FCRA 15 USC 1681eb you are reporting information that's not 100 % accurate. I was directed to file form 3949a for illegal tax violations upon your company. I'm quite sure your CEO OR VP don't want to be in court for this matter. Any US Code in the FCRA that any corporation violates the consumer is entitled to actual damages and monetary compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: FL

Complaint narrative:
I have been contacting Mohela on numerious occasions regarding my missing months of eligible PSLF payment in order for my loan to be forgiving. I submitted all of the information that needed to have loan forgive. I contacted Mohela about 3 times and files a complained on XX/XX/XXXX, XX/XX/XXXX, I was told the Department of Education needs to review my account. I tried to tell them I have already established the 120 payments to have my account forgive and was told they do not have any ideas Why I have only 108 weeks instead of 120 weeks even though my documentation shows that I have more than 120 payments to fulfilled the requirement of having my loan forgive. The following weeks are missing from my account. In XXXX, XXXX, and XXXX. According, to my documentation from my employer. I have more than 120 weeks of payment to qualify for my forgiveness. This is is very stressful to deal with at this moment. I just lost my father on XX/XX/XXXX and having to still have to call Mohela and told the same thing again it's very frustrated. I would like to have my account to be review and apply all of the remaining weeks in order for my PSLF can be done and my loan can be process as being pay in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 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: MI

Complaint narrative:
There was a dispute entered on XX/XX/2023. The results came back as the XXXX account balance being decreased and closed. As a result the credit score dropped. The credit should not have dripped based off the XXXX student loan being decreased and closed. A relresentive dejected this information after I questioned why the credit score dropped based of the XXXX XXXX XXXX. The representative also replaced this information with placing dispirited as modified without my permission or knowledge. I demand the credit to go back to the original score. Deleting information off the credit should be noticed and action shiujd be taken.

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 2023-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/2023, I AM STATUTORY DURABLE POWER OF ATTORNEY ON BEHALF OF MY SON XXXX XXXX. I RECEIVED THE DEBIT CARD ( 2 WEEKS IT TOOK ), ACTIVATED IT AND THE CHIP IS DEFECTIVE, IT WILL NOT WORK. THE BANKERS AT THE LOCATION ON XXXX IN XXXX SHARED THAT I WOULD BE RECEIVING MY OWN DEBIT CARD AS SDPOA BUT THE ONLY ONE I RECEIVED IS UNDER XXXX XXXX 'S NAME. I HAD TO CALL CAPITAL ONE TWICE, THE 1ST TIME I WAS TOLD IT LOOKS LIKE THE CARD IS WORKING, AND I TRIED AGAIN MULTIPLE TIMES AND IT IS NOT WORKING. IT WILL NOT READ, THE CHIP DOES NOT WORK. SO I CALLED AGAIN, SPOKE WITH XXXX WHO SAID " MAAM I CAN NOT ORDER ANOTHER CARD FOR YOU I NEED TO SPEAK WITH THE ACCOUNT HOLDER, '' WELL, I QUICKLY ENDED THE CONVERSATION RIGHT THERE. I AM XXXX 'S SDPOA BECAUSE HE CAN NOT TALK. XXXX SUFFERED A XXXX XXXX XXXX AND I AM HIS MOM, TRYING TO CONDUCT HIS BUSINESS BY YEAR END, AND SO FAR CAPITAL ONE PUT A HOLD ON XXXX 'S BACK PAY THAT WAS NOT ABLE TO BE DEPOSITED UNTIL THIS WEEK AND THERE IS MORE COMING. THE DEBIT CARD DOESN [ 'T WORK AND EVERY TIME I CALL THIS BANK I AM ACCUSED OF BEING A CRIMINAL. I SAT IN THE CAR AND SOBBED, BECAUSE PEOPLE HAVE FORGOTTEN HOW TO TREAT EACH OTHER. THIS IS THE ABSOLUTE WORST BANK I HAVE EVER DEALT WITH. SO GOOD LUCK TRYING TO TALK TO XXXX, BECAUSE I AM HIS MOTHER AND I CAN'T EVEN TALK TO HIM. HE IS ENTITLED TO HIS PAY, TO BUY A HOSPITAL BED, A WHEELCHAIR, AND XXXX PRESENTS FOR HIS XXXX YEAR OLD SON WHO BASICALLY LOST HIS FATHER ON XX/XX/2023. I PRAY THAT EVERY PERSON WHO READS THIS FEELS THIS, AND STOPS TO REALIZE THAT BEING SO CRUEL COULD TRULY PUSH A PERSON OVER THE EDGE ESPECIALLY WHEN YOU ACCUSE A XXXX YEAR OLD WIDOW, WHO IS TRYING TO TAKE CARE OF A SEVERELY INJURED XXXX YEAR OLD SON, WHO WAS A ; PEDESTRIAN AND GOT XXXX XXXX BY A CAR WHO NEVER STOPPED, AND HE LAID IN THE MIDDLE OF XXXX XXXX IN XXXX TX UNTIL SOMEONE CALLED XXXX, AND IN THAT TIME, HE DIED AND SUFFERED AN XXXX XXXX XXXX, AND HE IS LEARNING HOW TO SWALLOW, TALK, AND HE IS XXXX. XXXX XXXX CAPITAL ONE.. THEY ARE GREEDY MEAN PEOPLE AND IT SHOWS BECAUSE XXXX ALWAYS FLOWS DOWNHILL FROM UPPER MANAGEMENT, THEY SHOULD GIVE LESSONS ON CRUELTY TO HUMAN BEINGS, AND HOW TO INSULT THEM BY ACCUSING THEM OF BEING A CRIMINAL SO THEY CAN KEEP A XXXX PERSONS MONEY FOR AWHILE TO ACCUMULATE INTEREST. AND DEMAND TO SPEAK TO THE ACCOUNT HOLDER WHO CAN NOT TALK. UNCONSCIONABLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 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: AR

Complaint narrative:
I am writing to express my deep concern and frustration regarding the persistent inaccuracies on my credit report related to an account. Despite numerous attempts to rectify this matter, I continue to face obstacles in achieving a resolution. I first became aware of the issue when reviewing my credit report. The account in question, which is inaccurately reported as being opened late, has caused substantial damage to my credit score and has negatively impacted my financial standing. Since the initial discovery, I have made several attempts to correct this error through the established dispute resolution process. Despite my best efforts, the corrections have not been reflected accurately on my credit report. The persistence of this error is not only affecting my creditworthiness but is also causing undue stress and inconvenience. I believe it is essential to rectify this matter promptly to prevent any further harm to my financial standing. I kindly request the following actions be taken : A thorough investigation into the inaccuracies related to the late open account on my credit report. Prompt correction of the erroneous information on my credit report. Confirmation of the resolution and an updated credit report reflecting the accurate information. I understand that the Fair Credit Reporting Act ( FCRA ) grants me the right to an accurate and fair credit report. Failure to address and rectify this matter in a timely fashion may compel me to take legal action to protect my rights. Enclosed with this letter, please find copies of supporting documents. I am asking for your assistance to correct this late open account in my credit file : XXXX XXXXXXXX Balance Owed : {$13000.00}.

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 2023-12-22 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: AR

Complaint narrative:
I am writing to express my deep concern and frustration regarding the persistent inaccuracies on my credit report related to an account. Despite numerous attempts to rectify this matter, I continue to face obstacles in achieving a resolution. I first became aware of the issue when reviewing my credit report. The account in question, which is inaccurately reported as being opened late, has caused substantial damage to my credit score and has negatively impacted my financial standing. Since the initial discovery, I have made several attempts to correct this error through the established dispute resolution process. Despite my best efforts, the corrections have not been reflected accurately on my credit report. The persistence of this error is not only affecting my creditworthiness but is also causing undue stress and inconvenience. I believe it is essential to rectify this matter promptly to prevent any further harm to my financial standing. I kindly request the following actions be taken : A thorough investigation into the inaccuracies related to the late open account on my credit report. Prompt correction of the erroneous information on my credit report. Confirmation of the resolution and an updated credit report reflecting the accurate information. I understand that the Fair Credit Reporting Act ( FCRA ) grants me the right to an accurate and fair credit report. Failure to address and rectify this matter in a timely fashion may compel me to take legal action to protect my rights. Enclosed with this letter, please find copies of supporting documents. I am asking for your assistance to correct this late open account in my credit file : XXXX XXXXXXXX Balance Owed : {$13000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22 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: WI

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX  days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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