vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-27 00:00:00
Product: Credit card — Store credit 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: TD BANK US HOLDING COMPANY
State: MN

Complaint narrative:
Fraudulent Charges on Target Credit Card : fraudulent charges made to my Target Credit Card between XX/XX/XXXX and XX/XX/XXXX, all of which were charged to XXXX. I reported these charges immediately upon discovery and have repeatedly followed up without receiving written acknowledgment or resolution. 

Timeline of Contact : XX/XX/XXXX : Called Target Credit Services to dispute charges totaling {$240.00}. Received a dispute form, completed it promptly, and returned it within a few days. Previous account balance was {$0.00}. 
XX/XX/XXXX : Called to check status. Form was received ; requested written acknowledgment denied. 
XX/XX/XXXX : Called again. Case escalated to investigation team. 
XX/XX/XXXX : Spoke with XXXX from XXXX XXXX Services. Case escalated ; instructed to be available for a call XX/XX/XXXX ( no call received ). 
XX/XX/XXXX : Follow-up call ; told backlog exists; frequent calls do not help. 
XX/XX/XXXX : Case number XXXX provided ; resolution promised within 57 days. 
XX/XX/XXXX : Follow-up call confirmed escalation ; apology issued for delay. 

Summary of Disputed Charges ( all made to XXXX ads ) : Date | Amount XX/XX/XXXX | {$2.00} XX/XX/XXXX | {$2.00} XX/XX/XXXX | {$2.00} XX/XX/XXXX | {$2.00} XX/XX/XXXX | {$2.00} XX/XX/XXXX | {$2.00} XX/XX/XXXX | {$2.00} XX/XX/XXXX | {$3.00} XX/XX/XXXX | {$3.00} XX/XX/XXXX | {$3.00} XX/XX/XXXX | {$3.00} XX/XX/XXXX | {$5.00} XX/XX/XXXX | {$5.00} XX/XX/XXXX | {$5.00} XX/XX/XXXX | {$8.00} XX/XX/XXXX | {$8.00} XX/XX/XXXX | {$8.00} XX/XX/XXXX | {$8.00} XX/XX/XXXX | {$9.00} XX/XX/XXXX | {$10.00} XX/XX/XXXX | {$11.00} XX/XX/XXXX | {$13.00} XX/XX/XXXX | {$15.00} XX/XX/XXXX | {$17.00} XX/XX/XXXX | {$19.00} XX/XX/XXXX | {$21.00} XX/XX/XXXX | {$24.00} XX/XX/XXXX | {$27.00} Total : {$240.00} Since these fraudulent charges appeared, I have not used the card, yet late fees and interest have accrued, totaling {$520.00}. This is negatively affecting my credit score and causing significant distress.

Under the Fair Credit Billing Act ( 15 U.S.C. 1666 ), the creditor must acknowledge disputes within 30 days and resolve them within two billing cycles ( not exceeding 90 days ). More than six months have passed without written acknowledgment or resolution.

I request : 1. Written confirmation that my fraud affidavit was received in XX/XX/XXXX. 
2. Written status update and expected resolution timeline.

3. Removal of all late fees, interest, and negative credit reporting.

4. Written confirmation once my account balance is corrected to {$0.00}.

Please respond in writing within 10 business days to the address above.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-27 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: TX

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account XXXX : [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Problems receiving the advance — 
Company: Wolf River Development Company
State: CA

Complaint narrative:
CFPB, This complaint concerns ongoing issues with XXXX XXXX website and customer service. When attempting to apply for a loan, the website repeatedly indicates that an existing account is already associated with the applicants information. However, the password reset process does not function, and access to the account can not be regained. 

Customer service was contacted to resolve the issue and escalated the matter to upper management. After the escalation, representatives stated that no account exists on record directly contradicting the message displayed on the companys website. The inability to reset the password or access the account, combined with inconsistent statements from the company, has made it impossible to proceed with a loan application or verify what information XXXX XXXX currently holds. 

A screenshot is attached showing the website message confirming that an account exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: MS

Complaint narrative:
To all parties involved, I need your attention to this matter. My name is XXXX XXXX. I received some unfortunate news. I have been notified that I am a victim of the XXXX data breach, which has resulted in the theft of my identity. I am seeking guidance, please.I seek the enforcement of my consumer rights as specified in FCRA SECATION 605B ( 15 U.S.C. 1681c-2 ). As an individual impacted by identity theft. I am entitled to request the removal of any fraudulent information from my credit reports, thank you. This regulation mandates that credit reporting agencies swiftly remove any data that stems from identity theft upon receiving the necessary notification. Kindly ensure deletion occurs within four business 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 non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX I deposited a check I earned from a company for a service I provided for XXXXXXXX XXXX which chase placed on hold, then proceeded to fully freeze my account. After numerous phone calls with chase and the company that issued the check, chase was unable to verify the check as the number chase has in their system is not a working number for the check issuer company. I provided multiple other numbers to chase in which they refused to use. My account and all my funds are frozen and I have been forced to wait until chase closes my account in full get my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: PA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-10-27 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: GA

Complaint narrative:
Under my rights granted by the Fair Credit Reporting Act ( FCRA ), I am disputing the following entries listed in your records : XXXX. XXXX XXXX ( Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge-off showing balance of {$110.00} Late payments include 30, 60, 90+ days with over 15 reported Violations : Misreporting charge-off with unpaid balance, non-compliant payment history profile, violating Metro 2 and FCRA 607 ( b ). 
XXXX. Hard Inquiries Not Tied to Open Accounts : XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Violation : No active accounts tied ; violates permissible purpose per FCRA 604. Data integrity further compromised due to Equifax 's XXXX breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In XXXX I had XXXX and incurred debt due to medical bills. I had to file bankruptcy. It contains sensitive medical information related to my sickness that is part of public information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: NC

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: CA

Complaint narrative:
This letter serves as a formal dispute of inaccurate, incomplete, and unverifiable information being reported on my TransUnion credit file in violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), the Truth in Lending Act ( TILA ), the Uniform Commercial Code ( UCC ), and Metro 2 reporting standards. 
Disputed Items : XXXX. XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX ) o Account # : XXXX o Balance : {$1000.00} o Date Opened : XX/XX/XXXX o Date Last Active : XX/XX/XXXX o Violation : Inconsistent payment history, disputed status not coded XXXX ', continued reporting without proper reinvestigation under FCRA 611 ( a ). Metro 2 non-compliance on Payment Rating and DOFD. 
2. Hard Inquiries Not Tied to Any Open/Positive Accounts : o XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX o XXXX XXXX XXXX  - Date of Inquiry : XX/XX/XXXX o XXXX XXXXXXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX o Violation : No permissible purpose under FCRA 604 ( a ) ( 3 ) ; inquiry retention beyond relevance ; non-compliant with data minimization standards. 
Additionally, in light of the TransUnion data breach disclosed XX/XX/XXXX, I am exercising heightened scrutiny over any data retention or dissemination practices. 
Legal Grounds for Dispute : FCRA 607 ( b ) : Duty to ensure maximum possible accuracy FCRA 611 ( a ) ( 1 ) ( A ) : Reinvestigation obligation FDCPA 807 : False or misleading representations Metro 2 : Account Status/DOFD/Dispute Code non-compliance XXXX XXXX TransUnion Data Breach : Heightened risk and need for removal of unverifiable data

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 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: FORD MOTOR CREDIT CO.
State: GA

Complaint narrative:
I purchased a vehicle from XXXX XXXX XXXX in XX/XX/year>. They used predatory lending practices and sold me a vehicle I stated multiple times I could not afford and they charged me a higher price than the window sticker. 

They said things like oh you arent a XXXX  XXXX mom, thats lame, you need a vehicle that shows you are a bad mom and oh your kids will love this they probably think the XXXX is so lame and show your ex. I told them I couldnt even afford the down payment and this vehicle is twice the cost of my current one and they told me oh just get the down payment to us in a few weeks, we got to get this sold its the end of the month. 

They proceeded to keep saying things to pressure me into buying it. When I signed I brought up the fact that the price didnt match the sticker and he said thats because thats for Ford financing but I found out after that I was financed by ford and should have gotten that price. 

They didnt pay off my trade until over a month after the sale. They got my down payment in XX/XX/year> and then said my car payment was due next month when I wasnt supposed to have to pay until XXXX months after the down payment. I havent been able to afford the vehicle and have struggled a lot, even getting behind on payments. 

Today I went for my oil change and was told that all my warranties were voided. I havent my buyers paperwork showing I paid for them though. Finance department at XXXX XXXX is not answering my calls. Contacting CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Capital one is refusing to send my credit card even though Ive sent my ID multiple times for verification. Im told the picture back of my card is blurry, but not the front. The issue is that my ID was approved when it was scanned through their automated system. But when a XX/XX/XXXXeviews my ID, it seems they cant see because maybe their eyes are blurry or theyre XXXX because every rep Ive talked to is XXXX and their supervisor is XXXX ( XXXX XXXX ) Also Ive received multiple spam calls after applying for a capital one card on XX/XX/XXXX. All beginning with a XXXX area code which is XXXXXX/XX/XXXX The first person to view my ID was a XXXX named XXXX, this was on XX/XX/XXXX. I didnt receive a response until XX/XX/XXXX because my number wasnt on file. My card was sent on XX/XX/XXXX while I was still waiting on a response for verification. But when returned back because it was shipped to the wrong address, I havent been able to correct my address or phone number. This is being done purposely and I feel my Info is being sold to scammers by the representatives that are viewing my ID. They can also see that XXXX XXXX. So I believe this is being done discriminatory

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am requesting the removal of certain information from my credit file, as detailed in the attached XXXX  document. I am a victim of identity theft and have multiple accounts and inquiries on my credit report that I did not authorize. I ask that these items be deleted so that my credit report reflects only accurate information. I have reported the identity theft to the Federal Trade Commission and have included copies of the report. I request that these items be removed from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: CA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-10-27 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Five Lakes Law Group PLLC
State: KY

Complaint narrative:
In XX/XX/XXXX, my husband and I enlisted help from XXXX XXXX XXXX XXXX for debt settlement. From XX/XX/XXXX to XX/XX/XXXX, we paid {$7100.00} to Five Lakes Law Group. During that time, the company kept {$4100.00} for fees and only paid out {$2900.00} to our debtors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: MS

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-10-27 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:
I reached out to this consumer reporting agency numerous times. Submitted documents including identity theft reports regarding my account status and inaccurate information on my consumer report, I haven't gotten any compliance. I will not stop communicating with them until i get the results i desire and that is too delete any adverse information off of my report that is harming my credit worthiness. Experian is violation of numerous consumer laws.

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 2025-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: AZ

Complaint narrative:
My husband passed away 6 months ago. I contacted the bank and requested the money remaining in his account, the bank responded requesting some legal documents. I sent it over a link over and over, called so many times asking why I did not receive the money. Sent emails calls and its been so long and frustrating that in this situation I have to be constantly repeating the story and spending so much time just to receive the money for his last pay check. They told me the ticket and his account is closed and not giving me an answer why I havent received it. Awful customer service and zero empathy.

Company response to consumer: Closed with monetary relief