vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiries on my credit report.Please dispute and remove listed fraudulent inquiries from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
My name I XXXX XXXX, I '' ve Been dealing with this never ending XXXX  XXXX that keep on selling my account from one to another. somebody stole my identity start from XXXX XXXX. I never known and never have any business with this company. this company does not even have a service in Ca. the problem was resolved after i report to FTC and CFPB. but now they keep on selling my account to another XXXX  XXXX company which is XXXX XXXX XXXX  the address is XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX. Please FTC and CFPB help me. This is ruin my credit that I've been keeping in perfect standing for so hard. I attached document from previous case. somebody using my name live in XXXX XXXX. I never live and have any relative or friend who live in XXXX XXXX. Thank you CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: FORD MOTOR CREDIT CO.
State: VA

Complaint narrative:
First Ford car in my life, first leased but not purchased car. 
Leased XXXX XXXX from Ford dealership in XXXX XXXX XXXX VA in XX/XX/XXXX. 3 years lease contract with Ford. After less than a month and XXXX miles in the minor accident front bumper is damaged. Fully insured car sent to the same dealership under the claim with XXXX XXXX XXXX On XX/XX/XXXX there will be 4 months anniversary they are not able to repair the car or make it at least drivable as Ford are not able to provide one particular part - some XXXX $ worth wire harness, its not available nationwide and on back order from Ford with no ETA . Ford said the part is not manufactured now and they dont know when it will be. Car stays in the body shop and I continue to pay the lease not being able to use the vehicle. Ive been told it could be month until they will find the supplier of this harness and fill the backorders. 
After XXXX  of calls to Ford, Ford Finance with question what are my options- they offered just the one - buyback my car subject for approval by Ford. I filed request and on Friday XXXX XXXX XXXX Ford officially informed me on rejection. They said buyback request and process is not subjective or decided by Ford Motor Company. The process is strictly based on compliance with the lemon law of your state. According to the review of the buyback team my vehicle does not meet state requirements for repurchase or replacement under the state of Virginia, as vehicle does not satisfy the requirement for days down or repair attempts. If I disagree with the decision, they said I may seek an independent arbitration. They recommended just to address it to XXXX, which is not a consumer protection authority but simply the claims website tbh. As last resort I asked dealership for my options and they offered nice trade-in option with full 3 years negative equity to go into my new vehicle So for XXXX $ part Ford is not able to manufacture or source Im paying XXXX $ lease for the next 3 years not being able to use the asset. They both rejected even to provide me with the loaner car!!! Ford, its dealership or insurance company are not supported customers. Ford XXXX XXXX is very popular successful XXXX  now. Front bumper is the most damaged part in any car accidents. I presume Im not alone with this matter. But some loopholes in lemon laws or practices to implement in in internal procedures allows manufacturers to violate my consumer right for service or abnormal termination of the lease when manufacturer cant provide the service or parts for their products.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina XXXX Subject : Formal Dispute of Inaccurate Credit Reporting To Whom It May Concern, ( equalfax, experian, transunion ) I am writing to dispute my entire credit report. I believe that all information contained within the report may be inaccurate or incomplete. This is a formal dispute of inaccurate credit reporting under the Fair Credit Reporting Act ( FCRA ) and consumer law.

Under the FCRA, specifically under 15 U.S.C. 1681i, I am requesting a thorough investigation of all the information reported on my credit file. I am requesting that any inaccurate, incomplete, or unverifiable information be removed or corrected within the legal time frame.

Furthermore, I believe that my information was obtained illegally, particularly in connection with the Equifax data breach. This breach has compromised my personal information, and I request that any information obtained as a result of this breach be removed from my credit report immediately.

Please confirm receipt of this dispute and provide an update on the status of your investigation as soon as possible. If I do not receive a response within the required time frame, I will consider pursuing further legal action. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: Experian Information Solutions Inc.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Synovus Bank
State: FL

Complaint narrative:
I opened a secured credit card with First Progress and deposited {$200.00} as a security deposit. I believed I had closed the account years ago. However, I later discovered the account was still open and accumulating late fees, despite the fact that I was no longer using the card and had no balance due. 

I contacted First Progress multiple times to dispute the charges and request account closure and refund of my {$200.00} deposit. Each time, the representatives initially gave me the runaround, then eventually acknowledged the account should have been closed and promised to send me a refund. However, they stated I would only receive a partial refund ( around {$40.00} ) because they were keeping the rest to cover late fees that were incurred after the account should have been closed. 

I am being blamed for not making payments, even though I did not owe anything to begin with. I had no active charges, and these fees were not due to my actions but due to the companys failure to properly close the account. The account now shows a balance of {$150.00}, made up entirely of unjustified fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had opened up several accounts with Wells Fargo with a direct deposit checking & savings, and IRA, Stocks builder personal investor bank associate builder. Never earned a cent in the year that I had it. My checking account i opened up with direct deposit so I could receive no fees on any checking savings accounts that they offered for new customers with direct deposit plus ATM card and I opened a {$1000.00} Secured Visa card account to back up any problems. So no overdraft over balance or late fees everything covered. I always paid for fees and almost always paid for XXXX phone bill twice a month direct bill payment that sometimes got reversed. Date opened account Wells Fargo in XXXX give or take a year I think around XXXX closed out in XXXX XXXX. I tried everything to fix the wrongness from wells fargo because I paid the checking account several times same day from my direct deposit. On a no fees account.

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 2025-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
On XX/XX/year>, I contacted Apple Card support to question why my APR is set at 26.24 %, which I believe is excessive and potentially abusive. I repeatedly asked for a clear explanation of the criteria used to determine APRs, whether a reassessment was possible based on my credit history and responsible usage, and what steps I could take to qualify for a lower rate. 

Instead of addressing my questions, I was met with evasive responsesincluding irrelevant information about APY ( savings accounts ), generic policy statements, and referrals to the customer agreement. When I pressed for a transparent answer and cited the Truth in Lending Act and Dodd-Frank Act ( UDAAP ), they still refused to give any individualized justification or escalation path. 

I believe this lack of transparency and refusal to provide a fair process for rate evaluation constitutes an unfair and abusive lending practice. I am requesting that the CFPB investigate this matter and require Goldman Sachs/Apple Card to offer clear standards for how interest rates are determined and how customers can seek fair reductions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, Chase bank frozen my three checking accounts and restricted my access to the online banking. This includes my other accounts access. I went to the bank, but the bank told me the fraud department made that decision. No reason was provided and I need to wait 10 business days for Chase 's internal investigation.

Chase has violated my right and restricted my accounts without advance notice. This put me into the financial distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : DPT EDXXXX XXXX # XXXX, Account name : DPT ED/ XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, has violated my rights. I looked at my TRANS UNION credit report on XX/XX/year> and noticed somethings are incomplete and not accurate, and according to the fair credit act whenever a consumer reporting agency prepares a consumer report it shall 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 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 suppose 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 information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose 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.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall 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.

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 2025-03-30 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: EQUIFAX, INC.
State: DE

Complaint narrative:
After applying for a home I was made aware of some accounts that did not belong to me. The report came and these are the findings. I have created a FTC report and am freezing my file to prevent any other issues. I wish could have been proactive with this. I am a victim of the Equifax data breach, just received a settlement paper in the mail from another breach, giving someone access and opportunity for identity theft. 
The inaccurate and fraudulent accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
After applying for a home I was made aware of some accounts that did not belong to me. The report came and these are the findings. I have created a FTC report and am freezing my file to prevent any other issues. I wish could have been proactive with this. I am a victim of the Equifax data breach, just received a settlement paper in the mail from another breach, giving someone access and opportunity for identity theft. 
The inaccurate and fraudulent accounts 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 non-monetary relief
Consumer complaint received 2025-03-30 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: WI

Complaint narrative:
TransUnion is reporting multiple inaccurate, unverifiable, and derogatory accounts on my credit report, including but not limited to XXXX  XXXX bankruptcy, charge-offs, collection accounts, and unauthorized hard inquiries. I formally disputed these items and requested full validation and verification under the Fair Credit Reporting Act ( FCRA ) Sections 609 and 611. TransUnion has failed to provide proper validation and continues to report inaccurate and harmful information without permissible proof. This is a direct violation of the FCRA and other consumer protection laws. I am demanding immediate removal of all negative accounts and inquiries from my TransUnion credit file.

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 2025-03-30 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Target TD bank has performed a hard inquiry on my XXXX report. I did not apply for a target credit card. I have a fraud alert on my credit report which they were supposed to call me to confirm if that was me applying for credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
This is an account is asked to be closed instead they kept it open and continued to charge me late fees and interest

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 2025-03-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: GA

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-03-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX. No Valid Promissory Note No Legal Obligation I did not sign the promissory notes associated with the student loans in question. To date, XXXX has failed to produce a valid, signed promissory note bearing my original, wet-ink signature to verify the authenticity and enforceability of the alleged debt. Without such documentation, there is no legal basis to hold me liable for repayment. This constitutes a material failure to validate the debt under the FCRA and FDCPA. 
XXXX. Ownership and Standing in Question Securitization and True Sale The loans in question were transferred and securitized into a third-party XXXX XXXX XXXX XXXX via a true sale transaction. The securitization documents and prospectus ( attached ) confirm that all legal rights, title, and ownership of the loans were transferred to the trust. As such, XXXX no longer retains any legal or equitable interest in the loans and lacks standing to collect, service, or report them under its name. 
3. Improper Reporting and Collection Practices XXXX continues to furnish tradelines to the credit bureaus and misrepresent itself as the creditor, despite relinquishing ownership. This is a deceptive and materially misleading practice that negatively affects my credit profile. Such actions are in direct violation of the FCRA, particularly 15 U.S. Code 1681s-2 ( a ), which prohibits furnishing inaccurate or incomplete information to consumer reporting agencies. 
Additionally, TransUnions own SEC filings reveal that the bureau profits from the sale and monetization of consumer identity data, raising concerns about their objectivity and the integrity of the reporting process. 
4. Harm and Relief Sought The continued misreporting of this alleged debt has caused tangible harm, including damage to my credit score and potential denials of credit. I am requesting the CFPB to : Require XXXX to provide a legally valid, signed promissory note to substantiate any obligation ;

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