vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-18 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: United Revenue Corporation
State: TX

Complaint narrative:
I would like to say that this will be my first and only notice to United Revenue. My credit report shows that your company allege that I have a debt due to you and as allowable under the Fair Debt Collections Practices Act, I am requesting validation of the alleged debt. I am aware that there is a debt from XXXX XXXX XXXX but I am unaware of the amount due you are claiming, and your bill does not include a detailed breakdown of any fees. It should also be noted that I am on a payment plan with the original creditor. 

Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of XX/XX/1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me, but any details may only be revealed with the patient 's authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, of which I am allowed under the FDCPA. 

Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant will be a violation of the FDCPA because you will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt. 

Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 non-monetary relief
Consumer complaint received 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I don't want this in my report, they are accounts with negative information that I don't remember having. 

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 explanation
Consumer complaint received 2024-01-18 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
My information such as my social security number and address and other personal information was breached in XX/XX/year> twice by two different companies. I put a freeze on my credit report as soon as I was informed in writing. I now have to check my credit report every week because XXXX, Experian and XXXX, Bankruptcies and debt collectors are sharing my personal information to third parties without my authorization and or written consent. According to 15 U.S.C. 1681 b ( 2 ), this is illegal. I would like to have all negative items removed from my credit report 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 explanation
Consumer complaint received 2024-01-18 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: DISCOVER BANK
State: DE

Complaint narrative:
I am writing to file a formal complaint against Discover Bank Financial regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach-Bliley Act ( GLBA ) to opt out of such information sharing and I believe my privacy rights have been violated. 
On XX/XX/XXXX, I notified XXXX XXXX XXXX  that I am opting out of all authorizations, whether written, unwritten, verbal, or nonverbal, for the sharing of my nonpublic personal information with non-affiliated third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services.

I provided this opt-out notice in accordance with the legal requirements outlined in 15 USC 6802 , and I have retained documentation of my communication with the institution. 
Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have a reason to believe Discover Bank Financial has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent.

This unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing including the potential for identity theft, fraud, or other financial harm.

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that Discover Bank Financial complies with all federal regulations and XXXX, including the GLBA, to protect the privacy and information security of consumers like me.

Additionally, I would appreciate regular updates on the progress of this investigation and any actions taken to address the violations committed by Discover Bank Financial. 
Please feel free to contact me at XXXX or XXXX if you require any further information or documentation to proceed with the investigation. I am committed to cooperating fully with your office to resolve this matter and to protect my privacy rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I did not give my permission to report this on credit report. 

I have reviewed my consumer report and there is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I'm requesting that the reporting of this information be blocked and deleted. All required fields of my FTC are complete.

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 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I did not give my permission to report this on credit report. 

I have reviewed my consumer report and there is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I'm requesting that the reporting of this information be blocked and deleted. All required fields of my FTC are complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I did not give my permission to report this on credit report. 

I have reviewed my consumer report and there is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I'm requesting that the reporting of this information be blocked and deleted. All required fields of my FTC are complete.

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 2024-01-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Co-signer
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Payments were made by me, the co-signer, for 12 years. This amounted to {$40.00}, XXXX which exceeds the original loan amount by {$9700.00}. The original borrower has made no attempt to pay. I have made numerous attempts to get Navient to get the borrower to sign the release of co-signer form. This has not happened. I am now being harassed by Navient in the form of daily phone calls, emails, and USPS mail. 

I know that the State of California is one of many who have taken action against Navient for unfair loan practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
CAPITAL ONE XX/XX/2024 - Opened Account with Capital One XX/XX/2024 - Initiated inbound transfer to fund new account ( {$50000.00} ) XX/XX/2024 - Informed of account lock XX/XX/2024 - Responded to account lock providing additional personal information for verification ( Valid State ID / Drivers License ) ; Was informed the data would be processed in two business days, and/or I would be contacted XX/XX/2024 - Zero contact from bank XX/XX/2024 - Contacted bank over telephone ; Authenticated into automated systems to gather more details regarding account lock ; Unable to access any information, support rep requested secure personal information over nonsecure line; Requested account to be closed ; Informed that Capital One was unable to close account/ comply with deletion requests ; Escalated to manager -- Manager was argumentative, but confirmed that he would close the account, Refused to provide any information regarding delation of personal data XX/XX/2024 - Attempted to submit request for deletion of personal information from bank databases ; Unable to complete request either due to account lock, or broken IT infrastructure

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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: AL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX  is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Please see the documents attached as these inquiries are not by me.

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 2024-01-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Sunbit, Inc.
State: GA

Complaint narrative:
Subject : Formal Notice of Adverse Action To : XXXX XXXX XXXX : XXXX XXXX I am writing to formally express my dissatisfaction and disappointment with the recent decision regarding my credit request. Pursuant to my rights under 15 USC 1691 ( a ) ( 3 ), I exercised my right to credit, only to encounter what appears to be discriminatory practices within your system. 

I want to emphasize my concern regarding the use of a credit report from XXXX without my explicit consent. According to federal law, credit is a right under 15 USC 1602 ( f ), not a privilege. However, Sunbits representatives conveyed a denial of my request for an increase in credit as if they were extending me a favor rather than acknowledging my entitlement to credit. 

The denial, especially in the context of a medical emergency, is profoundly impactful. I was preapproved for a {$300.00} credit transaction, but this amount falls significantly short of the medical assistance required for my dental emergency. This discrimination jeopardizes my livelihood and adds undue distress as I am responsible for caring for a newborn. 

During my interactions with two Sunbit representatives, the language used made me feel oppressed and worthless. Their discussions focused on policy and included what appeared to be fabricated stories about their inability to assist in similar situations. I believe these conversations, recorded by Sunbit, will serve as valuable reference points. 

If an increase in credit is not granted, this transaction becomes an unauthorized use of my credit card, as I am receiving no benefit for the intended purpose necessary medical care. I implore you to rectify this issue immediately, considering the urgency of my medical needs and the emotional toll it takes on my ability to care for my child. 

I am XXXX awaiting your prompt response to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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: LA

Complaint narrative:
I am the author of this complaint and I have attached my ID and SSC to verify my identity. I have also attached a case study ( XXXX XXXX XXXX XXXX XXXX ) to further back my standing Dear Consumer Financial Protection Bureau, I am writing to submit a formal complaint against XXXX and Experian for violations of the Fair Credit Reporting Act ( FCRA ) in connection with inaccurate information on my credit reports. I believe these inaccuracies are negatively affecting my creditworthiness and financial standing. 

The inaccurate information pertains to the following accounts : 1. XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX 2. XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) 3. XXXX XXXX XXXX ( Original Creditor : XXXX ) 4. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) 5. XXXXXXXX XXXX 6. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX I have already submitted dispute letters to both XXXX, XXXX and Experian, detailing the inaccuracies and requesting a correction. However, to date, I have not received a satisfactory resolution. I am seeking the intervention of the Consumer Financial Protection Bureau to address these violations. 

I believe the credit reporting agencies have violated the FCRA by reporting inaccurate information and failing to conduct a reasonable investigation. This has caused significant harm to my credit standing, affecting my ability to secure favorable terms on credit and loans. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that XXXX and Experian comply with the FCRA. I am also requesting that you provide me with updates on the progress of your investigation. 

Enclosed with this letter are copies of the dispute letters sent to XXXX and Experian, along with any supporting documentation. I appreciate your prompt attention to this matter and thank you for your assistance.

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 2024-01-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
In XXXX, property taxes were not paid properly on the property resulting in delinquent property taxes. Once taxes were paid in XX/XX/XXXX, and escrow analysis showed that the account was - {$7000.00} short for the future year. An escrow adjustment was made to catch up in XXXX. 

Moving forward, we were told to manually upload a property tax bill annually to ensure proper payment. 

Electronic Tax Bill Submission XXXX ( Can not pinpoint exact date ) XXXX Phone Call XXXX @ XXXX. Spoke with agent about property taxes. Confirmed that property tax bill was received on XX/XX/XXXX in the amount of {$4900.00}. Confirmed that the amount was correct and that the tax would be paid before EOY. Agent suggested calling back on XX/XX/XXXX to confirm. 
XXXX @ XXXX. Spoke with agent about property taxes. She stated that while Lakeview has the bill it had not been escalated to be researched and would likely not get paid before EOY. I inquired about paying them myself to ensure payment. They said they would notate the account to not pay the taxes as we would do it and submit a receipt through the portal. 
XXXX @ XXXX spoke with agent and voiced our frustration with the management of our escrow account. She stated that it would be escalated and researched. I requested a hold on any escrow analysis until the property tax refund had been received. Will call back again on XX/XX/XXXX to get a status. 
XXXX received a notice that property taxes were paid for a second time by XXXX in the amount of {$4800.00}. This is the second consecutive payment ( XXXX ). Upon inquiry we were told that the incorrect parcel was paid the amount of {$6400.00} so they paid the correct amount {$4800.00} to the correct parcel. The problem with this is that we submitted a fully paid receipt in XXXX which they acknowledged receipt of. Our escrow account has not been depleted to zero and we have been told that we need to wait for the county to refund payments. This is not an acceptable resolution as we did not make the mistake the service did. 
XXXX - Research and escalation team contacted me regarding a status update and we have been told that they are still awaiting refund from the county. Again this is not an accepted resolution. Our account needs to be credited {$11000.00}, followed immediately by a refund to myself of {$4800.00} for property taxes paid directly by me. 


Actions XXXX @ XXXX property taxes were paid by homeowners. Receipt uploaded around XXXX to the portal.

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