vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: CO

Complaint narrative:
Sunrise credit is reporting a debt on my consumer report for {$250.00} AND THE ONLY ACCOUNT NUMBERS LISTED ON THE REPORT ARE- ( XXXX XXXX ). This debt has yet to be validated or verified and has been reporting on my consumer report. This is a violation of the FCRA and FDCPA. I HAVE NOT RECIEVED ANY PAPERWORK FOR THIS UNKNOWN INACCURATE DEBT. ( I DEMAND THAT THIS DEBT BE DELETED FROM MY CONSUMER REPORT IMMEDIATELY ) SINCE THIS DEBT IS STILL REPORTING ON MY CONSUMER REPORT, I WILL BE SEEKING FOR DAMAGES UNDER THE FCRA FOR EVERY MONTH THIS ACCOUNT HAS BEEN REPORTING AND THE FDCPA FOR NOT VALIDATING THE DEBT AND NOT VERIFING IT ALSO. I WILL BE TAKING ACTION AGAINST SUNRISE CREDIT IMMEDIATELY WHIN 2 WEEKS OF THIS COMPLAINT. I DO NOT NEED ANY EXPLANATION OF WHY YOU ARE COLLECTING, WHO YOU ARE COLLECTING FOR, IF YOU THINK ITS VALID AND ACCURATE.DELETE THE ACCOUNT IMMEDIATELY OR MY CONSUMER ATTORNEY WILL TALK TO SUNRISE CREDIT BECAUSE YOUR NAME IS ON THE REPORT.

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 2024-11-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: COMMUNITY FINANCIAL SYSTEM, INC.
State: NY

Complaint narrative:
In early XXXX, while initiating a vehicle purchase, a local XXXX dealer told me he was going to run my credit with his bank. Without my consent, he sent my application to several banks ( all creating hard pulls on my credit report ), one of which was Community Bank N.A. I received an adverse action letter from the bank, dated XX/XX/2024. I mailed them a Right of Reconsideration letter which they received on XX/XX/2024. I gave them 5 business days to either approve my application or I rescind my application and require proof of retraction. It has been 10 business days and they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX has violated my rights, 15 U.S.C 1681 Section 602 A, States I have the right to privacy.

15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2024-11-09 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: GA

Complaint narrative:
Consumer Name : XXXX XXXX XXXX DOB : XX/XX/year> Consumer SSN : XXXX I am a victim of the data breach and would like all accounts mentioned to be blocked and deleted within ( 4 ) business days pursuant to FCRA 605B15 U.S.C. 1681c-2 ( a ).

Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX, and Experian credit reporting agency , block information appearing on my consumer credit report that is the result of data breach, identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of credit cards, loans, insurance from the US Dept ED with balance of {$4900.00}, US Dept ED with a balance of {$2500.00}, XXXX XXXX  with a balance of {$1000.00}, XXXX XXXX with a balance of {$530.00}, XXXX with a balance of {$330.00}, XXXX XXXX with a balance of {$1300.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) with a balance of {$250.00}, XXXX XXXX with a balance of {$350.00}, and XXXX XXXX with a balance of {$19000.00}. And all closed accounts including XXXX XXXX, and XXXX .

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/XXXX my account balance shows over {$1500.00} dollars but my card was being declined online and at a gas station. I called Wells Fargo and was told my account was overdrawn. I was unable to see this from a branch ATM. I was told by XXXX in customer service that a hold was placed on the deposited check I made the day before but no notice was sent to me prior or during. I was told I wouldn't get that til Tuesday. I called my employer to verify the check cleared a d was sent proof of thr check clearing their account. XXXX with Wells Fargo is claiming the hold will stand until XX/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 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$20000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$37000.00} XX/XX/XXXX XXXX XXXX {$2900.00} XX/XX/XXXX XXXX XXXX XXXX {$7400.00} XX/XX/XXXX XXXX XXXX XXXX {$2100.00} XX/XX/XXXX XXXX XXXX {$1300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXX XXXX XXXX {$670.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following 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 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 explanation
Consumer complaint received 2024-11-09 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: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
I am filing a complaint against Bridgecrest for their failure to comply with their obligations under the Fair Credit Reporting Act ( FCRA ) regarding a fraudulent account opened in my name ( Account # XXXX ). 
Timeline of Communications : XX/XX/year> : Sent initial identity theft notification letter including : FTC Identity Theft Affidavit CFPB Notice to Furnishers of Information document with highlighted FCRA obligations Request for removal from all three credit bureaus Certified Mail Tracking # XXXX Delivered XX/XX/year>, at XXXX am XX/XX/year> : Sent follow-up letter including : Police report FTC Identity Theft Affidavit CFPB Notice to Furnishers of Information document To date : No response received by either myself or my power of attorney Legal Violations : Section 623 ( a ) ( 6 ) of the FCRA requires that upon receiving notice of identity theft : Furnishers must cease furnishing information relating to the consumer to any credit reporting agency Furnishers must notify all credit reporting agencies that previously received the information that the information was fraudulent Furnishers must implement reasonable procedures to prevent refurnishing of the fraudulent information Section 623 ( a ) ( 2 ) of the FCRA requires furnishers to : Conduct an investigation upon receiving notice of identity theft Review all relevant information provided by the consumer Report the results to the consumer Bridgecrest has failed to meet any of these obligations despite : Receiving proper notice via certified mail Being provided with comprehensive identity theft documentation Receiving a follow-up communication with additional documentation Being explicitly informed of their legal obligations via the CFPB notice Impact : This continued reporting of fraudulent information has : Damaged my credit score Caused significant emotional distress Created financial hardship Required extensive time and effort to attempt to resolve Generated unnecessary legal expenses Requested Resolution : Immediate cessation of all reporting related to this fraudulent account Notification to all credit bureaus that the account is fraudulent Removal of all related information from my credit reports Written confirmation of all actions taken Implementation of procedures to prevent refurnishing Compensation for damages incurred due to their negligence I request that the CFPB investigate this matter and ensure Bridgecrest 's compliance with their obligations under the FCRA. Their continued failure to respond or take appropriate action demonstrates willful noncompliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I would make a transaction it would be subtracted from my available amount and then later on someone will go in and make that same transaction as if I didnt have the funds in charge me a {$39.00} fee. They have done this more than one time I have reached out they said they were doing a complaint however, it is very imperative someone look into this because it is illegal. They have been doing this and I have complain. I took screenshots and everything before they did, and only then return some of my fees, however, it just recently happen again again

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 2024-11-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: WA

Complaint narrative:
I received a snail letter collection for a dental bill from a dental office i was never seen at there is no XXXX XXXX and the phone number is fake I even researched my dental claims threw XXXX XXXX no claim or office claim date who ever is claiming I owe is a scammer and is committing identity fraud i will be contacting the FTC and filing a consumer report there is no valid proof i ever saw this company

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: LA

Complaint narrative:
The company will not provide any documentation to support their claim that I owe the amount stated on my credit report. Have tried to dispute amount and it results that the claim is legal under the Fair Credit Report Act yet they refuse to give me any information whatsoever.

The amounts are incorrect if I even owe anything whatsoever. The company is not legally allowed to dismiss me and not provide any documentation to show proof of their claim.

Account Info Account Name I C SYSTEM INC Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$470.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$470.00} Balance Updated XX/XX/XXXX Recent Payment - Monthly Payment - Original Balance {$470.00} Highest Balance - Terms 1 Months On Record Until XX/XX/XXXX Historical Info Original Creditor XXXX XXXX Contact Info Address XXXX XXXX XXXX, XXXX XXXX MN XXXX Comment Current : Account previously in dispute - investigation complete, reported by data furnisher Previous : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ).

Reinvestigation Info This item was updated from our processing of your dispute in XX/XX/XXXX. 

Please assist me in this matter. They are ignoring me and I dont appreciate the companies negligence in this imperative 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 non-monetary relief
Consumer complaint received 2024-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I purchased a camera and memory cards from XXXX with order number XXXX on XX/XX/year>. Unfortunately, I was dissatisfied with the camera and requested a return. XXXX accepted the return and provided a XXXX return label with tracking number XXXX. I shipped the product back via XXXX on XX/XX/year>. However, after a week, when I contacted XXXX to request a refund, I was informed that they had not yet received the package. They later confirmed that XXXX had lost the package. 
I reached out to XXXX, and they confirmed that the package was indeed lost. XXXX further advised that XXXX should file a claim to recover the value of the package, since they are the owner of the return label and I, as the customer, have no control over the shipment. XXXX subsequently filed a claim with XXXX, but now they are charging me the full amount for the items, citing that they have not received the package. 
Since I returned the product using the return label provided by XXXX, I should not be held responsible for the lost package. I paid for this order using my American Express card, and as a result, I filed a dispute regarding this transaction. However, American Express has sided with XXXX and closed the dispute, despite my providing all the necessary documentation, which includes : 1.Order invoice from XXXX ,2XXXX return label provided by XXXX ,3.XXXX tracking details ,4.Email from XXXX  acknowledging that they lost the package Given that I followed the correct return process and the package was lost by UPS, I believe this issue should be resolved fairly, and I should not be held liable for the charge. 
To escalate the issue, I contacted an American Express supervisor, XXXX XXXX, but he has repeatedly told me that he would call me back regarding the dispute and has not followed through on any of his promises to respond. I am extremely frustrated with this lack of follow-up and transparency, especially given that I have provided all the relevant documentation to support my case. Given that I followed the correct return process and the package was lost by XXXX, I believe this issue should be resolved fairly, and I should not be held liable for the charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-09 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: MN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact therfore exists. ( Please remove this account before I seek litigation for defamation of character. ) XXXX XXXX XXXX balance {$580.00}, XXXX XXXX balance {$5100.00}, The XXXX XXXX XXXX Balance {$82.00}, XXXX XXXX XXXX  Balance {$1300.00}, impact receivables manag balance {$3100.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-09 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: MN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  presume that no proof of the alleged debt. Nor therefore any such debt in fact therfore exists. ( Please remove this account before I seek litigation for defamation of character. ) XXXX XXXX XXXX balance {$580.00}, XXXX XXXX balance {$5100.00}, The XXXX XXXX XXXX Balance {$82.00}, XXXX XXXX XXXX Balance {$1300.00}, XXXX XXXX XXXX balance {$3100.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: SCA Collections, Inc.
State: NC

Complaint narrative:
I CONTACTED XXXX XXXX XXXX AND TOLD THEM I DID NOT HAVE A LOAN WITH THEM AND THEY SAID THEY WOULD REMOVE THE LOAN FROM MY CREDIT FILE AND I WAS NOT RESPONSIBLE. I CONTACTED SCA COLLECTIONS OF XXXX AND TOLD THEM IT WAS FRAUD AND ASKED FOR THE DOCUMENTS FROM THEM AND THEY HUNG UP THE PHONE, THEY HAVE POLICE REPORT SHOWING FRAUD. I CONTACTED NC CHILD SUPPORT AND TALKED TO A SUPERVISOR AND TOLD THEM HOW CAN I HAVE A CHILD WHEN IVE BEEN OUT THE COUNTRY FOR THE LAST 10 YEARS ON XXXX. 
I CONTACTED XXXX XXXX  AND TOLD THEM AND ASKED FOR THE DOCUMENTS OF THE LOAN THEY SAID I HAVE AND SENT THEM A FTC REPORT AND POLICE REPORT AND THEY STATED THEY WOULD REMOVE THE FRAUD ACCOUNT FROM MY CREDIT FILE AND REMOVE EVERYTHING FROM THE TRADE LINES AND I WILL NOT BE RESPONSIBLE FOR ANYTHING.

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 2024-11-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I would like to get a validation letter, and see the errors from this account reported on my credit removed.

I will provide a list of account under the same circumstance. 

XXXX XXXX XXXX XXXX XXXX  collection {$76000.00} XXXX XXXX XXXX XXXX Collection {$10000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX {$3800.00} ( I went in person to this office and they say this will be removed ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Collection {$210.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Collection {$2900.00} XXXX XXXX XXXX Charge-off {$150.00} XXXX XXXX Charge-off {$1000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Company refuses to re investigate disputed information..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Overdraft fees and charges i didn't make because my identity was stolen

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation