vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-09 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: NY

Complaint narrative:
IN REGARDS TO THIS ACCOUNT # XXXX, THE PAYMENT HISTORY IS INCOMPLETE. PLEASE INSURE THE COMPLETENESS AND ACCURACY OF THIS ACCOUNT. 

The Fair Credit Reporting Act ( FCRA ) requires that consumer reporting agencies take steps to ensure consumer reports are accurate and to conduct investigations of information disputed by consumers. The FCRA provides people multiple ways to dispute inaccurate information on their consumer reports, including by contacting consumer reporting agencies directly. The FCRA also requires that consumer reporting agencies follow certain procedures before reinserting into consumer reports information that has previously been removed as the result of a dispute. 
The CFPB alleges that Experian has violated the FCRAs requirements for handling consumer disputes in numerous ways. Specifically, the CFPB alleges that Experian is harming consumers by : Conducting sham investigations that fail to properly address consumer disputes Improperly reinserting inaccurate information on consumer reports Furthermore, the sale or sharing of my personal information to a third-party collection agency without my explicit consent constitutes several violations of both the Privacy Act of 1974 ( 5 U.S.C. 552a ) ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.

This also violates the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 ). Under the Privacy Act, federal agencies are prohibited from disclosing personal information without the individuals consent, except under certain circumstances, and under the Gramm-Leach-Bliley Act, financial institutions are required to protect the privacy of consumers nonpublic personal information and limit disclosures to third parties without consent. Given that I did not authorize this disclosure or sale of this account, I am formally requesting immediate action to investigate this violation, cease further sharing of my information and to remove all unauthorized reporting related to this account.

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 2025-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: ND

Complaint narrative:
Subject : Formal Complaint Regarding Repeated Calls on Sundays I am writing to formally address an ongoing issue regarding repeated phone calls I have been receiving on Sundays, the most recent occurring today, XXXX XXXX XXXX. As a XX/XX/XXXX, Sunday is a holy day of rest and worship, in accordance with my deeply held religious beliefs. It is distressing and disrespectful to receive calls on this day, and it is negatively impacting my ability to observe and honor this sacred time.

To further clarify, I have received calls on the following dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( most recent call ) I kindly request that you cease calling me on Sundays, as it violates my religious observances. I understand that debt collection is a necessary process ; however, I ask that you respect my right to observe my faith without interference. I would also appreciate a confirmation in writing that my request will be honored going forward. 

Thank you for your understanding and cooperation in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
I had previously reached out to Synchrony bank regarding their collection tactics last year, due to their excessive calls during the day and told them to cease and desist. They did and later on I ask that they resume collection efforts thinking that they would have updated their policies toadhere to the FDCPA, but they have not. As of Wednesday, XX/XX/XXXX they have called me twice a day every day, which violates the harassment and excessive phone calls clause of the fair debt collection practices act. Which I have previously notified them of their violations of.

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 2025-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: LA

Complaint narrative:
I have two items on my credit report that are not mine one is dated XX/XX/year> from a XXXX XXXX XXXX XXXX  the other was dated on XX/XX/year> from so XXXX  XXXX  that I never had

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: HUNTINGTON NATIONAL BANK, THE
State: CO

Complaint narrative:
Checking accounts have been opened in my name, leases and credit cards. There has been breached in security on several of the companies that declared I owed them. There have been cyber brwaches where my infi has been expised and id like to have these hecking accounts, leases and credit cards removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: TX

Complaint narrative:
Name : XXXX XXXX XXXX Last XXXX of XXXX Date : XX/XX/year> Bureau Name : Trans, Union Equifax XXXX Experian Bureau XXXX XXXX XXXX XXXX XXXX Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S.

Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modity that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit, please 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
Bankruptcy is unverified by the US Bankruptcy Court and court trustee of the Northern District of Oklahoma Bankruptcy court, as it is known that the court and court trustee are not credit furnishers to credit reporting agencies. Information is assumed and not verified by a complete social security number that the US Bankruptcy Courts omitted from public record as a result of Federal Regulations that the Federal Government has put into effect to protect consumer rights against invasion of privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
Subject : Dispute of Inaccurate Credit Reporting by Comenity Bank To Whom It May Concern, I am writing to formally dispute inaccurate information being reported by Comenity Bank on my credit reports. Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and fair credit reporting, and Comenity Bank is currently in violation of this right. 

Comenity Bank is reporting incorrect account information across all three major credit bureausExperian, XXXX, and XXXX. The information they have provided is inconsistent and inaccurate, which is damaging to my credit profile. Since the information is not being reported accurately on all three bureaus, I am requesting a complete deletion of these accounts from my credit reports. 

I have attached copies of my credit reports highlighting the inaccuracies, along with any supporting documentation that proves my case. I kindly request that the CFPB investigate this matter and ensure that Comenity Bank corrects its reporting or deletes the inaccurate accounts as required by law. 

Please provide me with an update on the status of this dispute at your earliest convenience. I appreciate your prompt attention to this matter and look forward to your response

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB finding against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to express my concerns dealing with mis handling my zelle when there was money missing. Ive used Zelle many times and my bank nor Zelle tried to investigate missing funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/year>, after several weeks of trying, I am still unable to get on the Equifax website to check the freeze status of my credit. My wife has attempted to do the same, but she is getting the same issue. The issue occurs when we put in our username and password we are then prompred for a one time pin. We receive the pin and enter it into the website. We both get an error page stating, " We are temporarily unable to complete this request. Please try again later. '' We have struggled with this and I have called the customer service line at XXXX ( XXXX ) with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Professional Finance Company, Inc.
State: NC

Complaint narrative:
I am writing to formally lodge a complaint regarding an alarming and unprofessional debt collection attempt that I recently received via text message from PFC. In an era where privacy is increasingly being infringed upon and spam communications are rampant, it is highly concerning that a business would obtain my personal information without my consent and attempt to contact me in such a cryptic and unprofessional manner. 

I do not recognize the company that sent the text, nor do I have any knowledge of the alleged debt they are referring to. I have never received any formal communication by mail regarding this matter, which raises serious concerns about the legitimacy of this claim, as well as the manner in which my personal information was obtained. 

As a consumer, I have the right to full disclosure, transparency, and proper verification of any alleged debt. Therefore, I am formally requesting : A full ledger detailing the history of the alleged debt, including all transactions and any applicable payments. 
A copy of any contract or agreement that allegedly binds me to this debt. 
An explanation of how this company obtained my personal information and from whom it was acquired. 
The use of text messages for debt collection, especially without prior communication through proper legal channels, is not only unprofessional but also potentially unlawful under the Fair Debt Collection Practices Act ( FDCPA ) and other consumer protection laws. This practice creates confusion and distress for consumers and raises serious privacy concerns. 

I urge the Bureau to investigate this matter, as this type of behavior may be indicative of broader issues within the industry. I also request that any necessary action be taken to ensure that debt collection practices adhere to legal and ethical standards, protecting consumers from potential fraud, harassment, or identity misuse. 

I appreciate your prompt attention to this matter and request confirmation of receipt of this complaint, as well as any updates regarding the investigation. Please do not hesitate to contact me should you require any additional information.

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 2025-02-09 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: TX

Complaint narrative:
Please check the information concerning Equifax data breach below in attachments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 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: TX

Complaint narrative:
All of these accounts and collections i have no knowledge of and now they are effecting my way of life.

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 2025-02-09 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: Tater Inc.
State: CA

Complaint narrative:
I am writing to file a formal complaint regarding Lease End, a company that contacted me in XX/XX/year> about my car lease. Based on the detailed information they had about my lease, such as the end date and the specific model of my car, I initially believed that Lease End was affiliated with XXXX XXXX XXXX and was reaching out to discuss my options at the end of my lease term. 

During my conversation with a Lease End representative, I was informed that they needed to run my credit to explore my loan options, and I agreed to this request. However, I was led to believe that my credit would only be run through XXXX XXXX XXXX. At no time was I informed that my credit would be submitted to multiple lenders, nor did I explicitly authorize such inquiries. As a result, multiple hard inquiries appeared on my credit report, which I did not consent to and was never made aware would happen. 

After discovering these unauthorized hard inquiries on my credit report, I contacted XXXX XXXX XXXX and learned that Lease End has engaged in this practice with other customers in the past. The lack of transparency, as well as the failure to properly inform me about the credit inquiry process, has caused significant distress and confusion. 

To protect my credit, I have placed a fraud alert and a security freeze on my credit file. I am also in the process of disputing these unauthorized inquiries, but the process has been difficult and frustrating. 

I feel misled by Lease Ends actions, particularly because the details they knew about my situation led me to believe they were representing XXXX XXXX XXXX. The unauthorized inquiries have negatively impacted my credit, and I am seeking your assistance in addressing this issue. 

I respectfully request that the Consumer Financial Protection Bureau investigate Lease End 's practices and take appropriate action to prevent further harm to consumers. I also ask that they be held accountable for the unauthorized credit inquiries they have caused. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: NC

Complaint narrative:
Experian IN REGARD TO THESE XXXX  XXXX ACCOUNTS # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX THE PAYMENT HISTORY IS INCOMPLETE. PLEASE INSURE THE COMPLETENESS AND ACCURACY OF THIS ACCOUNT.

The Fair Credit Reporting Act ( FCRA ) requires that consumer reporting agencies take steps to ensure consumer reports are accurate and to conduct investigations of information disputed by consumers. The FCRA provides people multiple ways to dispute inaccurate information on their consumer reports, including by contacting consumer reporting agencies directly. The FCRA also requires that consumer reporting agencies follow certain procedures before reinserting into consumer reports information that has previously been removed as the result of a dispute.

The CFPB alleges that Experian has violated the FCRAs requirements for handling consumer disputes in numerous ways. Specifically, the CFPB alleges that Experian is harming consumers by : Conducting sham investigations that fail to properly address consumer disputes Improperly reinserting inaccurate information on consumer reports Furthermore, the sale or sharing of my personal information to a third-party collection agency without my explicit consent constitutes several violations of both the Privacy Act of 1974 ( 5 U.S.C. 552a ) ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.

This also violates the Gramm-Leach- Bliley Act ( 15 U.S.C. 6801 ). Under the Privacy Act, federal agencies are prohibited from disclosing personal information without the individuals consent, except under certain circumstances, and under the Gramm-Leach-Bliley Act, financial institutions are required to protect the privacy of consumers nonpublic personal information and limit disclosures to third parties without consent. Given that I did not authorize this disclosure or sale of this account, I am formally requesting immediate action to investigate this violation, cease further sharing of my information and to remove all unauthorized reporting related to this account.

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 2025-02-09 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: CORELOGIC INC
State: FL

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report. Upon reviewing my report on XX/XX/XXXX, I noticed that certain accounts contain incomplete and incorrect information. 

Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy when preparing consumer reports. However, the following accounts are reporting incorrect information : Account Name : XXXXXXXX XXXX Closed on XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX Closed on XX/XX/XXXX Account Name : XXXX XXXX Closed on XX/XX/XXXX Account Name : XXXX Closed on XX/XX/XXXX Account Name : XXXX XXXX XXXX Closed on XX/XX/XXXX The specific inaccuracies include : Incorrect open date Incorrect date of last activity Incorrect date of last payment Enclosed are copies of relevant documents supporting my dispute. I appreciate your prompt attention to this matter and look forward to your response.

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