vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-15 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX Washington XXXX DC XXXX Subject : Complaint Regarding Reinsertion of Previously Deleted Information in Credit Report Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the reinsertion of information that was previously deleted from my credit report. This action violates Section 611 ( B ) of the Fair Credit Reporting Act ( FCRA ), which clearly outlines the procedures and requirements for such reinsertion. 
Details of the Complaint : - **Name : ** XXXX XXXX XXXX XXXX **Date of Birth : ** XX/XX/XXXX - **Social Security Number ( last XXXX digits ) : ** XXXX - **Address : ** XXXX XXXX XXXX XXXX, FL XXXX **Background : ** On XX/XX/XXXX, EXPERIAN deleted the following information from my credit report : was confirmed. 
**Reinsertion Incident : ** Despite the clear provisions under Section 611 ( B ) of the FCRA XXXX which require a creditor or information furnisher to notify me in writing of their intent to reinsert any deleted information, I recently discovered that EXPERIAN has reinserted the previously deleted information mentioned above. However, I did not receive any prior written notice regarding this reinsertion. 
**Impact : ** This reinsertion has adversely affected my credit standing and financial reputation. It has potentially harmed my ability to obtain favorable terms on loans, credit cards, and other financial products. 
**Request for Resolution : ** In accordance with the FCRA, I request the following actions to be taken : 1. Conduct a thorough investigation into the reinsertion of the deleted information in my credit report.

2. Ensure that EXPERIAN complies with the notification requirements outlined in Section 611 ( B ) of the FCRA.

3. Correct my credit report by removing the reinserted information promptly.

**Supporting Documents : ** Enclosed with this complaint are copies of relevant documents, including : - Copies of correspondence with EXPERIAN ] regarding the original deletion. 
- Copies of my current credit reports highlighting the reinserted information. 
- Any other supporting documents deemed necessary to investigate this matter. 
**Contact Information : ** Please feel free to contact me at the above address or by phone at should you require any further information or clarification regarding this complaint. 
I appreciate your prompt attention to this matter and look forward to your swift resolution. Thank you for your assistance in protecting consumer rights under the FCRA. 
Sincerely, 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 2024-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: DISCOVER BANK
State: PA

Complaint narrative:
I attempted to make a wire transfer through my online bank, Discover bank, and was asked to repeatedly verify my identity. Despite providing the necessary documentation multiple times, the bank requested that I upload my IP address and a selfie for further verification. I was uncomfortable complying with this request due to privacy concerns and the potential for identity theft, especially considering recent high-profile cases of such data being misused by hackers. 

When I decided to close my account and requested the balance to be sent to my address, the bank refused to process my request. I made several attempts to resolve this issue by contacting customer service, but each time I was met with unhelpful responses and no resolution. Additionally, my request to cancel the wire transfer was ignored, leaving me in a state of uncertainty and distress. 

The bank 's handling of my requests has been highly unprofessional and has caused me significant financial inconvenience and XXXX XXXX. Their refusal to close my account and disburse my funds is unacceptable and has deprived me of the ability to earn interest on my money elsewhere.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LCI Acquisition Inc.
State: FL

Complaint narrative:
LCI Consumer Center XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Removal of Inaccurate Addresses, Update of Correct Information, and Security Freeze Dear LCI Global Consumer Center, I hope this letter finds you well. I am writing to dispute certain addresses listed on my credit report that do not belong to me. I kindly request that you remove any incorrect addresses and update my credit profile with my actual correct address. 
My correct information is as follows : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX Please find attached copies of my driver 's license and a recent utility bill as proof of my accurate address. 
In addition to the removal of inaccurate addresses, I request that you place a security freeze on my credit report to protect my personal information from unauthorized access. 
Thank you for your prompt attention to this matter. Please confirm in writing that the necessary changes have been made and that the security freeze has been placed. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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: KY

Complaint narrative:
It is my sworn statement that the below listed account is not mine and needs to be marked for identity theft and deleted immediately as I did not originate this account. Pursuant to 15 USC 1681c-2 please delete this fraudulent account. XXXX XXXX XXXX XXXX SEE ATTACHED IDENTITY THEFT REPORT. 

That fact that this account was verified is ridiculous and your agency may be setting itself up for a lawsuit. This is a fraudulent account that I never created. According to the FCRA, more specifically 15 USC 1681i, a REAL re-investigation must be performed immediately and this needs to be deleted.

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 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
Innovis XXXX XXXX  XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Removal of Inaccurate Addresses, Update of Correct Information, and Security Freeze Dear Innovis XXXX XXXX, I hope this letter finds you well. I am writing to dispute certain addresses listed on my credit report that do not belong to me. I kindly request that you remove any incorrect addresses and update my credit profile with my actual correct address. 
My correct information is as follows : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, Sunrise, FL XXXX Please find attached copies of my driver 's license and a recent utility bill as proof of my accurate address. 
In addition to the removal of inaccurate addresses, I request that you place a security freeze on my credit report to protect my personal information from unauthorized access. 
Thank you for your prompt attention to this matter. Please confirm in writing that the necessary changes have been made and that the security freeze has been placed. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: PENNYMAC LOAN SERVICES, LLC.
State: LA

Complaint narrative:
Penny Mac stated that we are no longer in the short sale process and that it was denied. We asked for them to do an interior appraisal where the XXXX can see the repairs needed and they did not want to order a new one, the amount they are asking is not possible now that the roof is leaking and XXXX of the room ceilings is caved in because this is taking too long.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Advanced Resolution Services Inc.
State: FL

Complaint narrative:
Advanced Resolution Services ( ARS ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Subject : Request for Removal of Inaccurate Addresses, Update of Correct Information, and Security Freeze Dear ARS Consumer Relations Department, I hope this letter finds you well. I am writing to dispute certain addresses listed on my credit report that do not belong to me. I kindly request that you remove any incorrect addresses and update my credit profile with my actual correct address. 
My correct information is as follows : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX Please find attached copies of my driver 's license and a recent utility bill as proof of my accurate address. 
In addition to the removal of inaccurate addresses, I request that you place a security freeze on my credit report to protect my personal information from unauthorized access. 
Thank you for your prompt attention to this matter. Please confirm in writing that the necessary changes have been made and that the security freeze has been placed. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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  has violated my rights. 

15 U.S.C 1681 SECTION 602a. : STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604A. : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 U.S.C 1681C ( A ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONCUMER REPORT CONTAINING ANY OF THE FOLLWOING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-07-15 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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  has violated my rights. 

15 U.S.C 1681 SECTION 602a. : STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604A. : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 U.S.C 1681C ( A ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONCUMER REPORT CONTAINING ANY OF THE FOLLWOING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Velocity Portfolio Group
State: CA

Complaint narrative:
Velocity Investments LLC, last email sent to me, XX/XX/year> : Third party creditor keeps contacting me about debt from original creditor XXXX XXXX XXXX XXXX XXXX XXXX The information is inaccurate because the debt has been re-aged to extend the reporting period illegally and also the balance reported on the charge-off account is incorrect. 
I am writing to complain about the inaccurate information that appears on my credit report. I have reviewed my credit report, and I have identified a charge-o account that I believe is being reported in violation of the Fair Credit Reporting Act ( FCRA ). 

I have also reached out to this creditor to inform them to cease all communication with me. 
15 USC 1692c ( c ) that law clearly states : ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.

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 2024-07-15 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:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
Complaint and dispute against EXPERIAN for violating my rights as a consumer by not providing the proper and accurate documentation to verify that excluded information can and should be reported on my Consumer Report without my consent or knowledge. According to 15 US CODE 1681a reporting on my consumer report an EXCLUSION in accordance with 15 US Code 1681XXXX is not to be permitted without the consumer 's consent or knowledge. Such is a line item listed as XXXX XXXX XXXX is being reported without my consent or knowledge. 
I am once again requesting the physical documentation as proof of the ACCURATE CERTIFIED VERIFICATION of the reinvestigation of my consumer report according to 15 US CODE 1681 ( 2 ) ( i ) and 15 US CODE 1681b ( i ) Your company EXPERIAN has stated previously in a response to my complaint in the CFPB portal on XX/XX/year> regarding the Credit Repair Act. More importantly EXPERIAN stated its reinvestigation of my Consumer Report/ Credit file has been completed. However, I am once again requesting the physical documentation as proof of the ACCURATE CERTIFIED VERIFICATION of the reinvestigation of my consumer report and or credit file according to 15 US CODE 1681 ( 2 ) ( i ) and 15 US CODE 1681b ( i ) Informing the consumer of the Certified Verification of the reinvestigation is not what the law 15 US CODE 1681 ( 2 ) ( i ) and 15 US CODE 1681b ( i ) demands. Proof of an accurate Certified Verification document is the only item acceptable. NOT HEARSAY OR STATEMENTS! 
EXPERIAN has not furnished any proof of an accurate certified verification of the investigation of my consumer report regarding XXXX XXXX XXXX. This is XXXX of my several demands and attempts of EXPERIAN to provide the CERTIFIED VERIFICATION of the investigation regarding XXXX XXXX XXXX in accordance with 15 US CODE 1681 ( 2 ) ( i ) along with 15 US CODE 1681b ( i ).

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 2024-07-15 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 would like to address my recent review of the credit report obtained from your bureau. Upon careful examination, I noticed reported late payments on my accounts, which I dispute as incorrect information. 

I have taken the necessary steps to investigate and identify any delayed payments. I am pleased to inform you that other credit bureaus have already removed these late payments from their records. I am concerned about the discrepancy in reporting between your bureau and the others. 

Regarding the specific accounts : 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 2024-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Dear Bank of America ; I am writing to address a matter concerning an alleged debt which I have no knowledge of and believe to be a result of fraudulent activity. Despite disputing this with the credit reporting agency, they have confirmed your assertion of its validity. 

I want to clarify that I have never engaged with your companies or the original creditor in any capacity, nor do I recognize any contractual obligations with them. The reporting inaccuracies surrounding this account constitute a violation of FCRA and FDCPA regulations. 

In an effort to resolve this amicably, I must insist on proof of this debt, specifically the alleged contract or agreement bearing my signature, as well as proof of your authority in this matter. Without such documentation, I demand the correction of any erroneous credit reports pertaining to this debt. 

Please provide the following information promptly : Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for this alleged matter. 
Legal basis for your collection of information. 
Legal basis for your collection of this alleged debt. 
Evidence of your authorization to operate in this state. 
Proof of the alleged debt, including any contracts or instruments bearing my signature. 
Complete account history, including collection-related charges. 
I am also filing a formal complaint citing violations of my consumer rights under the FCRA and FDCPA. According to 15 U.S.C. 602 ( a ), I am entitled to privacy, and 15 U.S.C. 604 ( a ) ( 2 ) specifies that no account can be furnished without my written instructions. Therefore, I demand an immediate cessation of all communication and collection activities regarding this account. Furthermore, I request the deletion of this account from my credit report due to its unrecognized status and absence of contractual obligations. 

Your actions have infringed upon my rights under the following sections of the FDCPA : 1692d : Harassment or abuse in connection with debt collection.

1692e : Use of false, deceptive, or misleading representations.

1692g ( b ) : Failure to properly disclose my rights.

1692f : Use of unfair or unconscionable means to collect a debt.

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 2024-07-15 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: GA

Complaint narrative:
I reviewed my consumer report and noticed that I had one late payment on an account that I was never late on. the consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on a payment for this account that I included screenshot inside this complaint on the dates of XXXX XXXX. please investigate and provide proof with statement showing that these payments were late. if proof can't be provided, I demand the payments be updated and paid as agree on time as they should be due to the fact I was never late. 

Payment history guide 30 days past due as of XXXXXXXX XXXX  Thank you

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