vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I froze my credit with Experian a few years ago. I need to unfreeze my credit so I tried using their website yesterday, XX/XX/2025. After I entered my information, the website " encountered an irrecoverable system error '' and would not let me proceed with logging into my account. 

I tried to log in to their website today ( XX/XX/2025 ) and received the same result. When I went to their website for help, it directed me to use their app. I downloaded their app, tried to make a new account, and received a " registration error ''. The error message gave me a phone number to call ( XXXX ) XXXX. I followed the phone directory 6 times, and their automated system only offered to send me back to their website. I repeatedly asked for a live agent, IT support, login assistance, and help unfreezing my credit. None of these were offered. 

I tried logging into my existing account from yesterday on the app and never received any of the 2-factor authentication codes I requested that would allow me to long into my account. My phone number is correct and I requested multiple codes via text and phone call and none of them are being received. I have cell phone service and wifi and have received other messages during this span of time. 

I went back to their website and was not able to find troubleshooting help. I found another phone number ( XXXX ) XXXX which I tried calling twice and this automated system would not unfreeze my credit for me nor connect me to an operator for help. All XXXX of these calls I made today took place between XXXX and XXXX Eastern Time. 

There are no other phone numbers on Experian 's website for consumers. There is no text chat nor email address/web form for assistance on their website. Their mail system takes multiple weeks to unfreeze credit and I need assistance more quickly than this. This company seems to be purposefully not allowing consumers to access staff to solve problems that are being caused by Experian 's own systems.

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To Whom It May Concern : Upon reviewing my credit report, I have identified the presence of the following inaccurate item ( s ) : 1. violation of 15 USC 1692g. Validate this account. You have 30 days to verify if you fail to this must be deleted. 
XXXX XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

2. violation of 15 USC 1692g. Validate this account. You have 30 days to verify if you fail to this must be deleted. 
XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. violation 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. Delete immediately XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

4. Violation 15 USC code 1681 ( a ) Congressional Findings and statement of purpose - consumer 's right of privacy XXXX XXXX Account Number : XXXX Please remove this inaccurate information 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 2025-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I opened a td bank yesterday, XX/XX/XXXX, and I deposited cash {$310.00} dollars. Im a XXXX XXXX that money was to buy books online etc. I wake up this morning not be able to purchase my book online, I call the bank and they said Td bank  is refusing to release my money. I ask why, they said from something happening in XXXX 4 years ago. I said can you provide more information please he said Td bank is keeping your money. And my account wont be able to use or do anything. I want my money its for my school books.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge 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: CAPITAL ONE FINANCIAL CORPORATION
State: ID

Complaint narrative:
My credit card was charged for purchases not made by me. I informed Capital One reps that the balance is inaccurate, yet Capital One is still attempting to collect on a balance that is not mine. In addition, they need to remove derogatory remarks from my credit report. The balance is not valid

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/2025 I received a call from BOA fraud department regarding a {$5000.00} XXXX transfer. I confirmed that it was fraud and advised them not to allow the transfer. I do not use XXXX which is available on BOA online. The recipient was a fraud. Instead of complying with my request they allowed the transfer. The same thing happened on XX/XX/XXXX for {$10000.00} by the same recipient. That was blocked. 

BOA fraud advised me that the XXXX transfer was my fault since they allege the recipient hacked my IPad. This is complete nonsense. The BOA fraud department caught it and advised me of the potential transfer. They were told on a recorded line not to allow it. They fumbled and now they concocting sone ridiculous reason for the fraud which they allowed to happen. I use online BOA banking sparingly like to check my accounts but never use XXXX. BOA should not partner with XXXX when it exposes customers to fraud. BOA should reimburse my {$5000.00}. It was BOAs mistake that caused my {$5000.00} to be sent to a fraudulent recipient. Thank you 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 monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
I paid off my debt which was originally via Paypal- XXXX XXXX The debt was paid in full on XX/XX/year> The account was sent to collections. I have tried to contact the collection agency XXXX XXXX based in XXXX NY. No one answers the phone. 

The debt was not reported to any of the Credit bureaus : XXXX, XXXX, or 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 2025-02-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Mercedes Benz Financial Services
State: OH

Complaint narrative:
On XX/XX/year> I filled the application for a loan with Mercedes-Benz of XXXX in OH, the same day I received a notice via email of the denial to provide credit on the basis of needing a co-signer and adding my income information. So I contacted the Mercedes dealer over a period of 3 days trying to request a copy of my application and finally spoke with the director of finance to see what was wrong and they said my application wasnt submitted to a financial institution yet I was denied the credit, now it was also stated that I could submit my application but I was going to get denied for surely which discouraged me but I wanted to pursue my liberty so I ask if I could receive a copy of my application so I can review it and I was told that the representative that provided me with the denial email would send it. Now I receive a text message from said representative and he basically tells me the link in the email had my application yet it was just another application form and they stated I need to fill out my private information or I cant even process my application to their financial institution which was misleading because the director just said I could, and when reading the application it literally states Participation in this service is completely voluntary and it is your choice whether or not you wish to disclose your personal information to us so I feel as if I am being discouraged, discriminated upon and misled Mercedes deprived my right to choice. Right to privacy and right to credit credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Point Digital Finance, Inc.
State: NV

Complaint narrative:
I applied for home equity loan for home improvement from XXXX. Financial even though I am qualified they rejected my application since the first time I applied I was approved so it's not clear why the second time they disapproved me?

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: CA

Complaint narrative:
I demand proof you contacted the FTC to verify these affidavits and the name and address of the persons contacted to validate the accounts. The method of investigation used, as required under FCRA 611 15 U.S.C 16811, or delete the 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 2025-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: UPGRADE, INC.
State: IN

Complaint narrative:
My name is XXXX XXXX, I reside at XXXX XXXX  XXXX, XXXX, IN. Ive been contacted by XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX  XXXX, OH XXXX XXXX ) XXXX XXXX Fax ( XXXX ) XXXX I have not borrowed any money from this company nor do I have any credit card debt from this company at any time. I have no agreement with this company of any kind. Ive received a letter from them, threatening to garnish my wages. I believe that they are trying to collect an old debt between myself and ( XXXX  ) from 2018 which is more than six years old. if this is the case, I have not agreed to upgrade to sell my debt between them and myself to any third-party. I would like to have this matter resolved as soon as possible. and I do not agree to any debt that I didnt borrow from this company directly. 
Thank you for your time please contact me at ( XXXX ) XXXX for any questions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: FL

Complaint narrative:
I am writing to formally dispute the continued reporting of the XXXX account ( # XXXX ) on my TransUnion credit report XXXX This account is no longer reported by Experian or Equifax, yet it remains on your records despite being time-barred under Florida law . 

The details of this account as reflected in my TransUnion report are as follows : Date Opened : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Date Last Active : XX/XX/XXXX Under Florida law ( Chapter 95.11, Florida Statutes ), the statute of limitations for revolving accounts is five ( 5 ) years. Based on the dates provided, this account has exceeded the allowable timeframe and should no longer be reported. 

Additionally, under the Fair Credit Reporting Act ( FCRA ) 605 ( a ), consumer reporting agencies must ensure the accuracy and timeliness of reported information. Since this account is no longer reported by XXXX or XXXX, its continued presence on my TransUnion file suggests an inconsistency that requires immediate correction. 

Requested Action : I formally request the immediate removal of the XXXX account from my TransUnion credit report, as its reporting is outdated and negatively impacting my ability to obtain credit. 

Please investigate this matter promptly and provide me with a written response detailing the action taken. If you require any additional information, feel free to contact me at the details provided above. 

Thank you for your immediate attention to 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 non-monetary relief
Consumer complaint received 2025-02-19 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: MI

Complaint narrative:
XXXX XXXX are reporting inaccurate information to the credit bureaus. I sent a complaint about XXXX XXXX  reporting that I owe a certain amount for a repossession, when I have never received a letter that states the vehicle was sold, how much the vehicle was sold for, and how much do I owe. Theres no proof of this vehicle being sold at auction, therefore, there is no proof of me owing what they claim I own. This goes against the FCRA laws. And now they are reporting inaccuracy on how much they claim I owe. First they claimed I owed {$8900.00}, and a few months later now they claim I owe {$8700.00}. Again, there is no proof that this debt is owed. No proof that this vehicle was indeed sold at auction. I am sending screenshots of the inaccurate 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 2025-02-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I submitted multiple formal dispute letters to Equifax regarding unauthorized credit inquiries, inaccurate credit report entries, and unverifiable accounts on my credit report. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), Equifax is legally required to conduct a reasonable reinvestigation within 30 days and correct or delete any information that can not be verified. However, Equifax has failed to comply with this law. 

Timeline of My Disputes and Equifaxs Failure to Respond Properly : XX/XX/scrub> 2024 I sent my first formal notice disputing inaccurate accounts and unauthorized inquiries. I also included proof of identity. 
XX/XX/year>2024 I sent a follow-up letter after receiving no meaningful response from Equifax, demanding compliance with Metro 2 reporting standards. 
XX/XX/year>2024 I sent a second formal notice demanding that Equifax either verify or remove the disputed information, as required by law. 
Despite my multiple disputes, Equifax has : Failed to provide any documentation proving that the disputed accounts and inquiries were authorized. 
Refused to remove unverifiable items, violating FCRA laws. 
Ignored my requests and has not conducted a reasonable reinvestigation. 
Delayed and obstructed the process by repeatedly asking for unnecessary identity verification, despite already receiving my documents. 
Equifaxs continued failure to investigate and correct these errors is a direct violation of the Fair Credit Reporting Act ( FCRA ) and has negatively impacted my credit standing. 

How This Has Affected Me : My credit report remains inaccurate, affecting my financial reputation. 
Equifaxs inaction is preventing me from resolving fraudulent or unauthorized credit activity. 
The companys failure to act has forced me to escalate this complaint to regulatory authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint against [ Debt Collectors Name ] for their unlawful and deceptive debt collection practices regarding a vehicle that has been fully paid off. The actions taken by this company are not only inaccurate but also in clear violation of my rights under federal and state consumer protection laws. 
Background of the Issue : I purchased a [ XXXX Toyota Corolla ], and I successfully completed all loan payments on [ Date ], as confirmed by my lender, [ Toyota Financial ]. 
Despite this, I have been receiving persistent and harassing collection attempts from Toyota MTR CREDIT DISPUTE RESERCH TEAM XXXX TX XXXX XXXX ( XXXX ) XXXX [ ], falsely claiming that I owe an outstanding balance. 
I have repeatedly provided proof of final payment and loan closure, yet they continue to pursue collection efforts, including calls, letters, and potential credit reporting actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: VA

Complaint narrative:
XXXX XXXX XXXX/XXXX/2025 XXXX XXXX  XXXX/XXXX/2025 XXXX XXXX  XX/XX/scrub>/2025 XXXX XX/XX/scrub>/2025 XXXX XXXX XXXX XXXX/XXXX/2025 XXXX XX/XX/scrub>/2025 I am disputing multiple inaccuracies on my TransUnion credit report, which violate my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Under FCRA 611 ( 15 U.S.C. 1681i ), unverifiable information must be deleted within 30 days. Additionally, FCRA 605B ( 15 U.S.C. 1681c-2 ) requires credit bureaus to block inaccurate or fraudulent information upon notice. 

I am requesting the immediate deletion and blocking of these accounts. Non-compliance with FCRA obligations may lead to further legal action. 

This complaint will be sent to the Attorney Generals Office and the Consumer Financial Protection Bureau ( CFPB ) for review.

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 2025-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
My mobile banking was hacked along with much of my personal information in XX/XX/scrub> 2019. Through my mobile banking, a scammer activated zelle which had not been done prior and sent {$1000.00} along with mobile depositing a fake check. 
My bank refunded me what was possible but Zelle did not. They said there was a call to my bank from me confirming the transfer but there is no outgoing calls in my phone records or information matching when the call was made. Zelle closed the account without potential to ever re-enroll due to the fraud, despite a police report for stolen identity and other materials proving the fraud and mobile banking connection, along with changing all my personal information after the incident. My mom also attempted as she was on the hacked account as well. The connection is frozen in my banking institution where no one is able to help me remove that zelle link to an account that no longer exists or get clarity on whether a new account can be enrolled over 4 years later.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: CA

Complaint narrative:
I have disputed 4 times in 2024 on both of my XXXX XXXX accounts. Also I have disputed to remove XXXX account 4 times as well in 2024. I was told they were not able to remove them. The XXXX is an old account and should not be on my credit anymore.

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 2025-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I applied for a Chase loan in XX/XX/XXXX, which was supposed to last for 24 months. In XX/XX/XXXX, I realized that I had forgotten to turn off the automatic payment for my Chase credit card, which then attempted to use my debit card to pay off my loan. I immediately called Chase and was informed that if there were insufficient funds in my debit account, the transaction would not go through, and I would not need to worry. 

I later checked my transaction history and confirmed that XXXX attempts were made to pay off my Chase loan using my debit card, but they were reversed as expected. However, in XX/XX/XXXX, I received an email stating that my Chase loan had been paid offwhich I never authorized. Upon further investigation, I found that the payment was made by charging my Chase credit card, which now carries a 21.24 % APR interest rate. 

I did not authorize the use of my credit card for this payment, and Chases prior assurance that the automatic payment would not go through was clearly incorrect. This has negatively impacted my financial situation by increasing my credit card balance and subjecting me to high-interest charges. Chase has refused to reverse this unauthorized charge.

Company response to consumer: Closed with explanation