vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-26 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nc XXXX XX/XX/year> Sunrise Credit Services , Inc . 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX Re : Request for Validation of Alleged Debt under 15 U.S.C. 1692g To Whom It May Concern, I am writing in response to your recent communication regarding an alleged debt that you claim I owe. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I hereby request validation of this debt.

Under this federal law, I am entitled to request and receive proper documentation that verifies : 1. The amount of the debt ; 2. The name of the original creditor ; 3. A copy of the original agreement or judgment, if applicable ; 4. Proof that you are authorized to collect this debt on behalf of the creditor ; 5. The chain of assignment ( if the debt was sold or transferred ). 

Until you provide the requested information and documentation, I request that you : Cease all collection activities ; Cease reporting this account to any credit reporting agencies ; and Cease all contact with me, except to provide the validation or to inform me that collection efforts are terminated. 

Please note that any attempt to collect this debt without validating it is a violation of the FDCPA and my rights under federal law. I am keeping a record of all correspondence and reserve the right to report any violations to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. 

This is a formal request, and any future communication from you should be in writing only. Please respond within 30 days as required by law. 

Sincerely, 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 2025-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Im writing CFPB in regard to my rights as a consumer. Ive been writing and calling every credit bureau and company trying to address the adverse credit on my credit. Per 15 USC 1681B the credit bureaus are violating my rights. Ive sent my identification and Social Security number with my address above to XXXX XXXX, XXXX, and XXXX. I have no power on their end to correct my credit. I have been trying to do this since XX/XX/. I get automatic responses by email and have received some mail. Ive called XXXX XXXX XXXX XXXX  and they all had the same response. Their process is looking a credit reports and not calling or contacting the companies to investigate one at a time. They all have blatantly ignored my rights as a consumer. Nothing has been deleted at all. XXXX responds only once, via email, and XXXX  responds via mail and an automatic response. XXXX XXXX responded once as well. I have requested that all companies listed on my credit bureaus respond, and I will be emailing a few responses as part of a complaint. Some companies have charged off, and I have responded to the following companies : XXXX, XXXX XXXX, and XXXX, XXXX XXXX XXXX, XXXX. No prevail in getting any kind of debt validation and trying to be taken to court. Please investigate and have these debts removed from my credit reports immediately, per my rights. I appreciate your time in this matter, thank you. 

Attached are letters that were sent to creditor and credit bureau with on response from no credtor and credit bureau with electronic response over the years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: TX

Complaint narrative:
XXXX XXXX agreed in writing to delete a tradeline after I filed a complaint. However, TransUnion continues to report it inaccurately in violation of FCRA 607 ( b ), 611, and 623. The address was also changed from XXXX XXXX XXXX XXXX, XXXX, TX XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, causing conflicting records. This also violates Metro 2 guidelines ( Fields 17, 25, 71 ) and e-OSCAR protocols.

* * * Transunion has blocked me from dispute from their online portal which also violates my consumers right. * *

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 2025-07-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Experian credit report on XX/XX/scrub>, 2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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 modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the that the information has been modified or delete from the file of the consumer and according to 15 USC 1681s-2 they are supposed to 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.

CORRECTION TO MY REPORT DELETE ALL UNAUTHORIZED FRAUDULENT ACCOUNTS.

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 2025-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I accidentally transferred {$2000.00} from my Bank of America account to an old XXXX XXXX  account number. XXXX XXXX  ceased operations following its acquisition by XXXX XXXX, and the account in question had been closed since XXXX. Therefore, the receiving institution and account no longer existed at the time of transfer. 
Upon realizing the mistake, I immediately contacted both Bank of America and XXXX XXXX XXXX XXXX confirmed that the account was closed and indicated the funds should have automatically returned to the sender within three business days. Despite this, I have not received the funds back. 
I have followed up with Bank of America multiple times, requesting assistance in retrieving the funds. I have been told that investigations were underway, but ultimately, they informed me there was nothing they could do. As of the date of this filing, the funds remain unreturned and unaccounted for.

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 2025-07-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: United PanAm Financial Corp.
State: IL

Complaint narrative:
In XXXX I was alerted through XXXX  a person has used my personal information to open a auto loan using my identity I made a report with the identity commission I notified the United auto credit and they failed to remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
This account is being reported inaccurately. I was not given proper notice of repossession and had the full amount to bring the account current, but Santander refused payment. They also wrongfully took a trailer that was not part of the auto loan and forced me to pay {$100.00} to retrieve it. This account does not reflect the full circumstances and was charged off only four days after the vehicle was repossessed. Furthermore, XXXX  does not report this item at all, which shows inconsistent reporting between bureaus. Under FCRA Section 1681i, I am requesting a method of verification and reinvestigation within 15 days. If Santander can not verify the debt and reporting, it must be removed. 


Company Involved : Santander Consumer USA XXXX XXXX XXXX XXXX Complaint Description : In XX/XX/year>, Santander repossessed my vehicle despite my attempts to bring the account currentI was in contact with them, had the funds, but was told payment would not be accepted. They charged off the loan just four days later without providing any written notice or opportunity to cure. 
Additionally, a trailer I ownwhich was not part of the auto loanwas seized during the repossession process. I was forced to pay {$100.00} in exact cash to retrieve my trailer, with no receipt or documentation, and had to provide my drivers license and keys. I missed work and suffered financial loss as a result. 
I believe this constitutes unlawful repossession, conversion of personal property, and failure to comply with UCC 9614 and FCRA. I am requesting : * A refund of the unauthorized {$100.00} fee * Compensation for lost income * Assurance no deficiency balance will be collected * Full documentation on the repo, towing, and account history * Deletion of the charge-off entry if Santander can not verify these claims Please complete your investigation within 15 days per FCRA 1681i and provide written results.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-26 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:
I am filing a complaint to serves as my third and final formal dispute regarding the following account which continue to appear on my credit report without permissible purpose, in direct violation of the Fair Credit Reporting Act ( FCRA ) 604 ( f ) 15 U.S.C. 1681b ( f ) : I have not authorized this company or any third party to access, furnish, or continue to report this account. Its continued presence is an unauthorized action and constitutes a willful violation of the FCRA.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00}

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 2025-07-26 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Issue : Deceptive billing and promotional interest charges on a Zales-branded Comenity credit card account. 

Summary of Problem : In XX/XX/XXXX, I purchased a ring from Zales for {$4400.00} using Comenitys promotional plan ( 18 months deferred interest for purchases over {$3000.00} ). 


I was later charged ~ {$1800.00} in deferred interest in XX/XX/XXXX when I did not pay in full during the promotional period. 


In XX/XX/XXXX, I traded in the original ring at, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NJ XXXX Phone : ( XXXX ) XXXX for a new one ( ~ {$3000.00} ). This transaction was a trade-in, not a new purchase. 


Comenity misclassified this as a separate new purchase completely omitting the trade-in credit. 


As a result : I was given only 6 months deferred interest, expiring XX/XX/XXXX despite Zales own policy stating purchases over {$3000.00} qualify for 18 months.

A second massive interest charge above ( ~ {$2000.00} ) hit my account in XX/XX/XXXX, raising the balance to {$7200.00}. increasing my balance on my credit profile. 
My exceptional credit score dropped significantly from XXXX due to this sudden balance spike. 


The transaction was handled deceptively and violates both advertised promotional terms and standard trade-in practices. 



Additional Concerns : XXXX website states : No interest if paid in full within 6, 12, or 18 months on purchases of {$300.00} for 6 months, {$750.00} for 12 months, or {$3000.00} for 18 months made with your Zales Credit Card. 


My XX/XX/XXXX transaction qualified for 18 months, but I was only given XXXX. 


Comenity initially refused to open a dispute, citing the 60-day rule, despite the charge being recent. They opened one only after escalation.

When I called and explained the issue, a Comenity rep hung up on me mid-call.

This mirrors past CFPB enforcement actions against Comenity for deceptive marketing, billing, and refusal to investigate disputes.

Resolution Requested : Reverse the second interest charge tied to the misclassified purchase Correct the account to reflect the actual trade-in transaction Adjust balance accordingly Restore the significant points lost on my credit report Confirm the XX/XX/XXXX purchase should have had 18 months promotional period as required by Zales policy

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: NV

Complaint narrative:
I am filing this complaint to notify you that I have been a victim of identity theft. As per FCRA Section 605B regarding Credit Reporting Agencies, I must report this to the Federal Trade Commission or visit FTC.gov to file an official report. I understand that you are required to investigate any items listed on an identity theft report. Attached are the relevant documents to support the investigation into the inaccurate information reported on my credit file, including a list of items that do not belong to me or were initiated without my consent.

XXXX XXXXXXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
* * Company * * : Navy Federal Credit Union * * Issue * * : Credit denial and inaccurate credit score usage * * Category * * : Credit reporting, credit score, or credit repair services * * Sub-category * * : Incorrect information on your credit report Complaint Description I am filing this complaint due to repeated denials of credit and loan applications by Navy Federal Credit Union, despite maintaining a strong credit profile. I have been a member since XXXX and currently hold multiple personal and business accounts. 

Most recently, I was denied a pre-qualified auto loan twice ( on XX/XX/XXXX and XX/XX/XXXX ), which triggered two hard inquiries within five days. These inquiries were excessive and damaging to my credit profile. Navy Federal cited an XXXX  score of XXXX in their decision, while my actual score as of XX/XX/XXXX is XXXX, as documented in the attached report. 

Additionally, all my business credit applications have been denied without clear justification, and my requests for credit line increases were rejected based on inaccurate credit data. Navy Federals responses have referenced general lending criteria and federal regulations but failed to address the specific discrepancies in their decisions.

As a XXXX business owner, I find this pattern of treatment troubling and discriminatory in effect, if not intent. 

Desired Resolution I respectfully request : 1. A written explanation of the specific lending criteria used to evaluate my applications.

2. Clarification on why my accurate credit score was not used in decision-making. 
3. Removal or correction of the hard inquiries placed on XX/XX/XXXX and XX/XX/XXXX. 
4. Reconsideration of my business credit applications using accurate and current credit data.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
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 XXXXXX/XX/year>

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 2025-07-26 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 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 XXXXXX/XX/year>

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