vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY
State: OR

Complaint narrative:
I recently moved to a new state and need TD Auto Finance to send the required lienholder/title documents to my new XXXX so I can register my vehicle. My loan is not paid off, so the XXXX can not issue permanent registration without TD sending this information. 

For over several months, I have sent the required forms repeatedly. I mailed the original formsXX/XX/XXXX, and TD claimed they did not receive them. Then they told me to fax the forms instead. I faxed themXX/XX/XXXX and after the XX/XX/XXXXfax TD confirmed they had the documents and were coordinating with my previous state to transfer the title. 

When I called again to check the status, TD suddenly said they now needed new original forms mailed again, even though I already mailed originals twice and they had confirmed receipt via fax. Their instructions constantly change, and they repeatedly lose or claim not to have the documents I already sent. 

Because of TDs delays and inconsistent information, I have been unable to legally register my vehicle in my new state. This has caused actual financial harm : I have spent over {$200.00} on repeated mailing costs and temporary registrations, and I also received a traffic ticket because I could not provide proof of registration while TD continues to delay. This does not include the upcoming registration fees I still must pay. 

I am requesting CFPB assistance to require TD Auto Finance to process the paperwork they already received and send the necessary lienholder/title documentation to my new state XXXX so I can legally register my vehicle without further delays or expenses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: PA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. CXX/XX/XXXXe XXXX ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. CXX/XX/XXXXe XXXX ( XXXX ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within XX/XX/XXXX days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-11-18 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
The information being reported on my credit accounts is inaccurate and has not been updated since XX/XX/year>. Despite my repeated requests to the credit bureaus to correct these errors, they have refused to update the accounts or remove the inaccurate information.

In addition, several false and unauthorized credit inquiries have been added to my credit reports. I did not authorize these inquiries, and when I requested documentation proving that I gave permission, the credit bureaus were unable to provide it. Instead of removing the unverifiable inquiriesas required by the Fair Credit Reporting Actthey left them on my reports.

The continued reporting of outdated account information and false inquiries is negatively affecting my credit standing, and the credit bureaus have not taken proper action to investigate or correct the errors.

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 2025-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: SC

Complaint narrative:
With fifth third bank they called me today XX/XX/year> and said they are closing my account due to risk management and I need to find another bank. The guy immediately hung up. Then my bank account showsXX/XX/XXXX {$400000.00}. I called back and no one will tell me why they closed it or what adverse notice was used for this. They said I could still use my card and funds that the negative was a hold on the account. Later I tried to use the card and it declined because they never removed the block. This has caused a major inconvenience to me emotionally as no one is telling me why and I have a right to know why they are closing due to high risk activity. The local bank rep told me they see no fraud or why the accounts was closed and even the rep on the phone said that. As a consumer I have a right to know why they did this to me. Thank you for any guidance you can give me I pray you can help me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. CXX/XX/XXXXe XXXX ) says ( XXXX ) 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. CXX/XX/XXXXe XXXX ( XXXX ) and 15 U.S. CXX/XX/XXXXe XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. CXX/XX/XXXXe XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
XXXX XXXX, 2025 XXXX XXXX XXXX, XXXX XXXXXX/XX/XXXX XXXX. 
XXXX, VA XXXX Subject : Did not receive sign up {$200.00} Bonus. 
XXXX XXXXXX/XX/XXXXXXXX Dear XXXX XXXX, I opened Capital one Quicksilver credit card on-line. When I was applying on-line, I have seen/read sign up promotion {$200.00} after I spent {$500.00}. Also, I have called and re-confirmed with credit card representative about {$200.00} bonus. Now, its not showing {$200.00} bonus in my account. 

In addition, I spoke to XXXX XXXX, employXX/XX/XXXXXXXX on XX/XX/year>. She told me that after I submitted the application, they have changed my application to non- bonus .. How can they change my application without my permission and consent? 

I would appreciate very much, if you put {$200.00} bonus reward in my account. 

Thank you for your time and look forward to hearing from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: MO

Complaint narrative:
There are several charges on my CashApp account by a company called XXXX XXXX. When I contacted cashapp to dispute these transactions, they denied the claim within minutes, which is evidence of their failure to appropriately and fully investigate the fraudulent transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: FL

Complaint narrative:
I emailed MOHELA to request a School Misconduct Discharge Application because my private loans originated from XXXX XXXX a for-profit predatory school. My federal loans from the same institution were already forgiven under the XXXXXXXX XXXX XXXX XXXX. MOHELA denied my request, stating only that my loan type ( Private Consolidation ) does not meet the criteria to receive the application, without providing any further explanation or guidance. I am seeking answers, as the schools misconduct has caused significant financial, professional, and personal harm. I took out loans and relocated based on the schools false promises, leaving me with substantial debt for a program that failed to provide the job placement support, career opportunities, or transferable credits I was assured of. I have spent years making payments on loans I would never have taken had the school been truthful, and this debt has severely limited my ability to progress financially, pursue additional education, and make important life decisions. The stress, instability, and long-term impact of these misleading practices have deeply affected my well-being. Because my federal loans from the same school were forgiven under Borrower Defense due to proven misconduct, I believe the same consideration should be applied to my private student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: MD

Complaint narrative:
I had been very ill, having been hospitalized twice, and decided to consult with a XXXXXXXX XXXX XXXX XXXX XXXX XXXX The cost for XXXX sessions with the XXXX  was {$1400.00}, and she suggested I use Zelle to transfer the funds to her. Zelle had a limit of {$500.00} per day. I sent the money through Zelle, however, I had accidentally entered one wrong digit for the phone number of the intended recipient. The payments were as follows : XXXX XXXX XXXX  for {$500.00} ; XXXXXXXX XXXX XXXX  for {$500.00} ; and XXXX XXXX XXXX  for {$450.00}. 

Unfortunately, all the money went to a stranger before I figured out what had happened. I called the number in question and left a voice message asking that he/she return the money. The money was not returned. I also filed a claim with my bank. The person handling the claim sounded like they were laughing at me for thinking I might be able to get the money back. I believe they were unmotivated to help me and put forth very little effort. 
I hope you will have compassion and help me to get my money. Thank you for your efforts!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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:
I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that Experian immediately block and permanently remove multiple fraudulent accounts, including collections, charge-offs, late payments, and hard inquiries that were added to my credit report without my knowledge or authorization. These accounts and related items are the direct result of identity theft, not any legitimate consumer transaction. I have provided a valid FTC Fraud Report ( Criminal Complaint # XXXX ) along with supporting documentation, including proof that my personal information was compromised in the Equifax data breach. 

I am also submitting this FTC Identity Theft Affidavit to report five fraudulent accounts appearing on my FICO Experian credit report which I do not recognize and which are the result of identity theft. These fraudulent accounts include one XXXX XXXX XXXXedit card opened on XX/XX/XXXX under account ending XXXX with a reported balance of {$2900.00}, XXXXXXXX XXXX XXXX XXXX  credit card opened on XX/XX/XXXX under account ending XXXX with a reported balance of {$560.00}, and three DEPTEDXXXXXXXX XXXX loan accounts opened on XX/XX/XXXX and XX/XX/XXXX under account numbers ending XXXX with reported balances of {$2000.00}, {$3500.00}, and {$6000.00}. These fraudulent accounts have generated unauthorized hard inquiries, collections, and inaccurate reporting on my credit file.

Pursuant to my rights under the FCRA and FDCPA, I request that Experian immediately block and remove all fraudulent accounts, inquiries, and any related adverse information tied to the identity theft described in my FTC report. I further request that all collection activity related to these fraudulent accounts cease immediately.

Under FCRA 605B, Experian is legally required to review and block fraudulent, inaccurate, or incomplete information from a consumers file within four ( 4 ) business days of receiving proper documentation. I am demanding the immediate
removal of all fraudulent items, a halt to all related collection activity, and written confirmation that this dispute has been escalated for manual review rather than automated processing. Failure to comply with federal law may result in further legal action to protect my consumer rights.

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 2025-11-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: A.R.M. Solutions, Inc.

Complaint narrative:
I am receiving collection notices from A.R.M. Solutions for a XXXX XXXX XXXX account ( Client Account # XXXX, Agency Account # XXXX ). I canceled my service with XXXX XXXX XXXX before the dates they are billing me for. The company attempted to charge me for services I never received. 

Despite canceling, XXXX XXXX XXXX continued billing me incorrectly and then sent those charges to a debt collector. A.R.M. Solutions is now attempting to collect {$190.00} {$200.00} from me even though no service was performed.

I never authorized these charges, and no technician ever visited my home during the disputed billing period. I did not receive the services they claim I owe money for. 

The bill was forwarded to collections without proper review, and I was never given any itemized proof of services rendered. I have requested validation, but this debt is not legitimate. 

I want this collection removed, the account closed, and the negative information prevented from being reported to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: MO

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: MO

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-11-17 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: FL

Complaint narrative:
On XX/XX/year>, I attempted to withdraw {$300.00} three separate times from a XXXX XXXX XXXXXXXX ATM. Each time, the ATM malfunctioned and no cash was dispensed, but the funds were still deducted from my XXXX prepaid account. 

I contacted XXXX XXXX XXXXXXXX directly and worked with them first to try to resolve the issue. XXXX XXXX XXXXXXXX completed their own investigation and confirmed that the ATM experienced a malfunction. They also informed me that, because the card was issued by XXXX, the dispute must be filed by XXXX, not by the customer. They advised me to dispute directly with XXXX so they could obtain the ATM journal records. 

On XX/XX/year>, I contacted XXXX, explained everything, and filed all three disputes. XXXX opened the claims but never contacted XXXX XXXX XXXX  to obtain the required ATM logs. Less than a week later, XXXX closed my account without explanation and completely locked me out of my account shortly after I filed the disputes. 

XXXX failed to conduct a proper Regulation E ( 12 CFR 1005.11 ) investigation. They did not contact the ATM operator, did not request journal logs, did not provide provisional credit, and did not send any written explanation. Closing my account immediately after filing the disputes appears to be retaliation, which is prohibited under the Electronic Funds Transfer Act and may constitute an unfair and abusive act under the Consumer Financial Protection Act ( UDAAP ).

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