vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-30 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: SUNRISE CREDIT SERVICES, INC
State: NJ

Complaint narrative:
I am writing to formally dispute a collection account reported by Sunrise for a XXXX bill that appears on my credit report. I have never had an account with XXXX ; I have only used XXXX for my telecommunications services. 

I have contacted XXXX on multiple occasions requesting validation of this debt, including documentation that proves I am responsible for the account in question. To date, I have not received any such verification. 

This unresolved matter is negatively impacting my credit score. I am requesting that this account be removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), which requires that all information on a credit report be accurate and verifiable. 

Please investigate this matter and confirm the deletion of this erroneous entry from my credit 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 2025-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
To whom it may concern, I am submitting this complaint regarding XXXX  failure to properly investigate disputes I have filed concerning inaccurate information on my credit report. Despite providing evidence to support my claims, XXXX  has not taken the necessary steps to conduct a proper investigation, which violates my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). 
The inaccurate accounts in question area as follows : XXXX. ADS/COMENITY/NY & CO XXXX XXXX XXXX XXXX XXXX ADS/COMENITY/VICTORIA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have submitted disputes for these accounts and provided documentation to prove the information is either inaccurate or unverifiable. However, XXXX  has either failed to verify the information properly or has responded with generic verified statements without explaining their investigation process or correcting the errors. 
This failure to conduct a reasonable investigation has caused harm to my credit score and financial well-being, affecting my ability to get approved for credits, loans, and housing. 
I am requesting the following actions from XXXX  through CFPB : XXXX. Conduct a proper and though investigation into the accounts Ive disputed. 
XXXX. Provide me with a detailed explanation of the steps theyve taken to verify or correct the information. 
XXXX. Remove any inaccurate or unverifiable information from my credit report immediately. 
I am attaching all relevant documents, including dispute letters, XXXX response, and supporting evidence, to this complaint for your review. 
Thank you for your assistance in addressing this matter and ensuring that XXXX  complies with federal laws to protect consumers like me. 
Sincerely, XXXX XXXX Attachments Copies of dispute letters sent to XXXX  XXXX XXXX XXXX response Supporting evidence

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The name on this account and address is inaccurate. XXXX XXXX XXXX XXXX is inaccurate. The current address on this account is inaccurate and none of the addresses on this account is accurate they do not belong to me. I do not live at any of the addresses listed. 
This inaccurate information has impacted me long enough. I would like to have this matter taken care 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 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As a result of a recent data breach, my credit file now shows fraudulent accounts. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I am requesting their removal within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Please delete and block the following accounts from my credit report 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/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 non-monetary relief
Consumer complaint received 2025-05-30 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: MS

Complaint narrative:
I am filing this complaint against XXXXXXXX XXXX XXXX XXXX XXXX  ( XXXX ) for mishandling a legitimate paid account, failing to act appropriately in response to identity theft involving a second account, and violating consumer protection laws under the FCRA, TILA, and UDAP. 

Violations FCRA : Failure to report accurate and complete information ; unauthorized deletion of tradelines ; failure to correct disputed information after receiving proper notice. 

TILA : Failure to provide periodic statements and legally required disclosures for an account reflecting a transferred balance. 

UDAP : Engaging in deceptive and confusing practices in the creation, handling, and communication surrounding multiple accounts tied to the same balance. 

Summary of Events According to XXXX own documentation, a credit account reflecting a {$2500.00} balance showed a {$0.00} balance as of XX/XX/2025, with the billing statement thanking me for paying the balance in full. Despite this confirmation, XXXX later reported the account as charged off for the full balance, significantly damaging my credit score. 

In response, I submitted a formal dispute requesting correction to reflect accurate payment history and closure. Instead of correcting the tradeline to Closed Paid in Full Never Late, XXXX deleted the tradeline entirelyremoving years of positive payment history and compounding the damage. 

In XX/XX/2025, a new account reflecting the same {$2500.00} balance appeared in XXXX system. I received no disclosures, account-opening documentation, or periodic statements for this account. On XX/XX/2025, I made a {$100.00} payment in good faith, assuming the balance had been transferred from my original account. XXXX accepted the payment, failed to issue billing statements, did not report the account to credit bureaus, and later removed it from my portal without explanationviolating TILA disclosure and servicing requirements. 

In XX/XX/2025, I received a letter dated XX/XX/2025, stating that XXXX had sold a credit card account with the same {$2500.00} balance to a third-party collector. I submitted a formal fraud dispute and an FTC Identity Theft Report. 

After receiving my Equifax credit report in XXXX I discovered that XXXX had deleted the original tradeline entirely rather than correcting the reporting. On XX/XX/2025, I contacted XXXX again to request that the account be reinstated and reported accurately. To date, there has been no resolution or update.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am filing this complaint against XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX ) for mishandling a legitimate paid account, failing to act appropriately in response to identity theft involving a second account, and violating consumer protection laws under the FCRA, TILA, and UDAP. 

Violations FCRA : Failure to report accurate and complete information ; unauthorized deletion of tradelines ; failure to correct disputed information after receiving proper notice. 

TILA : Failure to provide periodic statements and legally required disclosures for an account reflecting a transferred balance. 

UDAP : Engaging in deceptive and confusing practices in the creation, handling, and communication surrounding multiple accounts tied to the same balance. 

Summary of Events According to XXXX own documentation, a credit account reflecting a {$2500.00} balance showed a {$0.00} balance as of XX/XX/year>, with the billing statement thanking me for paying the balance in full. Despite this confirmation, XXXX later reported the account as charged off for the full balance, significantly damaging my credit score. 

In response, I submitted a formal dispute requesting correction to reflect accurate payment history and closure. Instead of correcting the tradeline to Closed Paid in Full Never Late, XXXX deleted the tradeline entirelyremoving years of positive payment history and compounding the damage. 

In XX/XX/year>, a new account reflecting the same {$2500.00} balance appeared in XXXX system. I received no disclosures, account-opening documentation, or periodic statements for this account. On XX/XX/year>, I made a {$100.00} payment in good faith, assuming the balance had been transferred from my original account. XXXX accepted the payment, failed to issue billing statements, did not report the account to credit bureaus, and later removed it from my portal without explanationviolating TILA disclosure and servicing requirements. 

In XX/XX/year>, I received a letter dated XX/XX/year>, stating that XXXX had sold a credit card account with the same {$2500.00} balance to a third-party collector. I submitted a formal fraud dispute and an FTC Identity Theft Report. 

After receiving my XXXX  credit report in midXXXX I discovered that XXXX had deleted the original tradeline entirely rather than correcting the reporting. On XX/XX/year>, I contacted XXXX again to request that the account be reinstated and reported accurately. To date, there has been no resolution or update.

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 2025-05-31 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-30 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: Eastern Account Systems of Connecticut, Inc.
State: SC

Complaint narrative:
XXXX  credit report there was an item on my credit report that shouldve been off my credit report and I asked him to remove it because of the fact the company never gave me a 1099. Its a collection agency call eastern credit systems I They are debt collector never sent me a 1099 for this item that is on my card report and I asked it to be removed and experience. Give me the runaround. 15 US code 1692C anything that is a collective item and its not the original debt it need to be removed on my credit

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Volvo Car Financial Services U.S., LLC
State: TX

Complaint narrative:
I purchased a XXXX XXXX XXXX XXXX  from XXXX Volvo XXXX XXXX XXXX on XX/XX/XXXX and was pressured into using in-house financing even through I was preapproved through XXXX XXXX XXXX XXXX  ( this is the website where I found the deal ) When I arrived the salesperson XXXX XXXX said that this dealership does not accept outside financing -- contradicting their online listing. I was told to apply with them and " not to worry '' about credit inquiries. I reluctantly agreed due to pressure and urgency created by the salesperson. 

When XXXX came back from the finance department, he pointed my attention to the section highlighting the amount my payments would be, which I agreed to but did not realize that by then the dealership increased the vehicle price from the advertised {$20000.00} to {$22000.00} without clear disclosure. I finished the transaction but later asked asked XXXX, why the difference in the advertised priced. He told me it was for the " XXXX XXXX XXXXXXXX '', but no documentation was provided before or after the sale. I asked him to include the breakdown of this package in the documentation when I picked up the keys for the car. This was never provided. Unfortunately I was charged {$1700.00} for this package with no itemization, explanation or written agreement. This appears to be a 'bait-and-switch ' tactic. I called XXXX afterwards on the next day to remind him to send me the details on the XXXX XXXXXXXX but was never provided with an answer. 

I was also sold a {$3200.00} vehicle service agreement which I later found out was ineligible for my vehicle ( an electric vehicle ). This refund is currently being processed after I discovered the issue myself when attempting to file a claim earlier this week. The dealership refused to refund the " XXXX XXXXXXXX '' despite never proving what it includes. 

These actions were misleading, non-transparent and financially harmful. I am requesting a full refund of the {$1700.00} for the " XXXX XXXX XXXX '' and this complaint to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: I.C. System, Inc.
State: TX

Complaint narrative:
XX/XX/year> a report went to my collections that I was not aware of. The system says that the agency is IC systems And that the company is spectrum the cable Internet company. Ive never had a XXXX  account on my own. Ive only paid my XXXX  bill through my apartments. XXXX XXXX XXXX in XXXX Texas, where I have been residing for the last XXXX years since Ive been in Texas. I called XXXX  to see if they had an account under my name. They did not find anything under my name nor my address because everything is paid through my apartments. I called IC systems to verify if they have anything under my name they had an account under my name in birthday, but the information of the persons address where the Service was being provided is in XXXX, New York her name is XXXX XXXX and the address that populated for ICC systems was XXXX XXXX XXXX XXXX, XXXX, New York. I dont know anyone by that name. I dont know anyone in XXXX let alone in the state of New York XXXX IC systems confirmed that my data has been stolen by another person and used to purchase XXXX  services.

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 2025-05-30 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: PA

Complaint narrative:
Im very upset and confused after seeing an unauthorized inquiry suddenly appear on my credit report today. I double-checked and refreshed the page thinking it might be a technical issue, but the inquiry remained. This has caused me a lot of frustration, and Im urgently requesting a full review of the documents I sent to prevent further problems.

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 2025-05-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: CA

Complaint narrative:
I have been taken advantage by this credit card company disclosure failure on their part The credit limit was very low as { {$500.00} }. They did not disclose the annual fee of { {$120.00} } will be charged within XXXX  months after the card was issued. The fee is almost XXXX XXXX of the credit limit and they will charge to added fees. The interest rate is very high at XXXX XXXX and the balance goes up to the point that Its almost impossible will be not able to pay off. I am an old man

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 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I never requested a fraud alert with any of the three credit reporting agencies. Therefore, I respectfully request the deletion of the fraud alert that was placed on all of the credit bureaus, making it impossible for any finance company to pull my credit report. Please remove the fraud alert on my credit bureaus. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report that are having a significant negative impact on my financial well-being and my ability to provide for my family. As a single mother, every financial decision I make directly affects my child ( ren ) XXXX security and future. The information below on my report I have identified as identity theft, and this item is not related to any transactions by me at all. I was not able to move because of my credit profile being inaccurate due to these unknown accounts being opened in my name. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error : nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : This unauthorized item has had a profound negative effect on my credit profile, and I am reaching out to you to request your assistance in rectifying this situation. The unauthorized item ( XXXX ) on my credit reports are : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please correct/update this inaccurate information on my credit repor

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: AL

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer 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 non-monetary relief
Consumer complaint received 2025-05-30 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: FL

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Comnt is [ FTC Complaint Number ], filed on [ FTC Complaint Date ]. mission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complain FTC Report Number : Date XX/XX/XXXX XXXX Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXXXXXX XXXXXXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief