vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XX/XX/XXXX Sunrise Credit Services , Inc . 
XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Account Number : Unknown Dear Sir/Madam, I am writing to formally dispute the account listed above, which is reported by your agency ( Sunrise Credit Services , Inc. ) and is attributed to XXXX. After reviewing my credit report and account records, I have determined that this account is fraudulent and does not belong to me. The account was reported as opened on XX/XX/XXXX, with a balance of {$210.00}. I have never established any services with XXXX, nor have I authorized any transactions associated with this account. 

The only service provider I have ever had dealings with is XXXX. In addition to disputing this fraudulent account, I kindly request that you provide a record or proof of any driver or technician from XXXX who may have visited my home to install any of their services. I have never had any XXXX service installed at my residence, and I would like to verify any such records to assist with resolving this matter.

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 2025-02-13 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: IL

Complaint narrative:
I am filing a complaint against Equifax XXXX Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report.Despite my submissions, Equifax XXXX Experian consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( XXXX  ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's & Experians actions XXXX also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax XXXX Experian complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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 delete these fraudulent accounts from my credit report, as I did not authorize their creation. Kindly correct this mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Have been trying to accces the funds in my checking account since XX/XX/year>. In unable to access any funds and keep being told by the fraud department that its been expedited to the back end office and will be fixed with 24 hours. Its been almost 3 month. I NEED that money released now as I have XXXX XXXX and need to order food. I recieved no documentation or anything stating there was even fraudulent activity on my account. There gladly taking the deposits but I cant take them out. Ive spoken with supervisors XXXX XXXX and they keep telling me there expediting it and it will be resolved in XXXX hours. 2 reps said XXXX. Its been way past that. It is illegal to hold someones money without cause.

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 2025-02-13 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: CA

Complaint narrative:
I purchased a Netspend Prepaid Card from XXXX, loading it with {$150.00}. As of XXXX, I am unable to access the funds in the card/account for whatever reason, even after contacting customer support multiple times through email and phone. They have refused to help me, and their services especially with the prepaid card are unclear and difficult to use.

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 2025-02-13 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:
I am a victim of identity theft, which resulted in fraudulent accounts being opened in my name after my wallet, containing my ID and Social Security card, was stolen. Additionally, my personal information was compromised due to the XXXX and Equifax data breaches, which likely contributed to the fraudulent activity. As a result, the following fraudulent accounts were reported on my credit file : XXXX Bank XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX Bank - Account Number : XXXX XXXX Bank - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX I have provided an FTC Identity Theft Report and a police report verifying the fraud. Despite submitting a dispute to the credit bureaus under FCRA XXXX XXXX ( XXXX XXXX Code XXXX ), these accounts have not been blocked from my credit file within the required four-day period.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: CL Holdings LLC
State: MS

Complaint narrative:
My social was collected in a robbery in XXXX In XXXX I have more cards and accounts than I ever applied for I have a Car and insurance Thats it! 
I have no credit cards And I have all of this negative information on my report XXXX applied for a card since XXXX!! 
Some one stole my sensitive information from my car after leaving my XXXX office I filed a report and they will not stop Even cloned my phone number.. I am truly frustrated

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion has illegitimately kept an item from XXXX XXXX XXXX on my credit report since XX/XX/XXXX through today, XX/XX/XXXX. By law they are responsible to remove any item after 7 years. It has been XXXX XXXX XXXX XXXX and counting. They are in direct violation of the Fair Credit Reporting Act.

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 2025-02-13 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-02-13 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: CA

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ) .Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. XXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA.

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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 would like to receive reimbursement for transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: TN

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian Information Services, LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Credit Report Information Dear Sir/Madam , I am writing to formally dispute certain information that I believe to be inaccurate on my credit report. This dispute is made in accordance with my rights under the Fair Debt Collection Practices Act, 15 USC 1692, and the Criminal Code under 18 USC 894, which prohibit deceptive practices and misrepresentation in debt collection. Which Experian and Equifax is currently in lawsuits for not properly investigating or validating accounts. 

My Details : Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Last XXXX of Social Security Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Disputed Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$650.00} XXXX XXXX XXXX XXXX acct # XXXX {$2900.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$92.00} Reason for Dispute : The company did not properly validate these accounts, they did not provide me any documents like the original contract/purchase agreement with my signature, history of payments, method of payments, nor documents that they own alleged debt and stating they're within the statute of limitations, etc according to 18 USC 864. Furthermore, it's being reported in my credit file the debt has been charged off which means a 1099 has been filed in which I did not received a copy of this document. My rights have violated on so many levels for grounds to go to court, file a suit, and you'll be fine for damages I request that you investigate the inaccuracies on my credit report and correct any information that is erroneous. Under the provisions of the Fair Credit Reporting Act ( FCRA ), I am entitled to a timely investigation and resolution of this dispute. Please provide me with a copy of the results of your investigation and any updates made to my credit report. 

In addition, please ensure that any inaccurate or incomplete information is removed or corrected as required by law. I also request that you send me an updated copy of my credit report once the dispute has been resolved. 

I appreciate your prompt attention to this matter and expect to receive a response within the statutory 30-day period. I've also included a copy of my current DL and Proof of address. 

Sincerely, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX of Social Security : 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 2025-02-13 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: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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: NAVY FEDERAL CREDIT UNION
State: AR

Complaint narrative:
I have submitted several requests for my report to be updated they have a block on my account that I have called several times to have removed and they continue to put it back. In addition they wont actually contact they company directly to update my credit report the creditor ( NFCU ) keeps saying they are sending them updates. Attached is a statement I have sent them a statement one for past 2 months and they refuse to do a thorough investigation to correct my report. This is hurting my ability to obtain to do business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: Colony Brands, Inc.
State: PA

Complaint narrative:
My data has been breached, my old addresses were not removed along with XXXX incorrect address unknown, there was a charged off reported without my knowledge and permission by my deceased mother on my credit history and proof was sent to all XXXX credit bureaus. Nothing was done to correct the issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: NY

Complaint narrative:
I recently reviewed a copy of my credit report and noticed that I have fraudulent accounts and inquiries on my report. They are hurting 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 explanation
Consumer complaint received 2025-02-13 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:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-02-13 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 findings against Navy Federal Credit Union for similar practices where transactions that were settled with insufficient balances despite initially available funds. These practices are unfair and i 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 2025-02-13 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: EQUIFAX, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
My accounts was opened fraudulent so now I am unable to open one

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: FL

Complaint narrative:
I would like to request that a financial audit is down, no proof was provided that they didnt write this off on there books. It is my belief that they did and if so there will be proof out there unless this creditor can prove it wasnt written off on there corp return. if its discovered they wrote this off i will be taken this to civil court for punitive damages as well as statutory damages. will obtain a consumer attorney in 7 days

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 2025-02-13 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: FL

Complaint narrative:
I would like to request that a financial audit is down, no proof was provided that they didnt write this off on there books. It is my belief that they did and if so there will be proof out there unless this creditor can prove it wasnt written off on there corp return. if its discovered they wrote this off i will be taken this to civil court for punitive damages as well as statutory damages. will obtain a consumer attorney in 7 days

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