vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX, Texas. 
A fire occurred at the property which resulted in unsafe conditions. Management issued notice instructing residents, including myself, to vacate the unit within 7 days due to safety concerns. I have attached the fire report and management communication confirming displacement.

After this incident, management issued an official Lease Termination Letter for my unit showing a {$0.00} balance. This clearly establishes that no debt existed, no rent was owed, and no tenant breach occurred. 

Despite this, National Credit Systems is reporting a {$7000.00} rental debt, which is false, inaccurate, and not legally enforceable. Under the Fair Cr2edit Reporting Act and Texas Property Code 92.054, a casualty-loss event and forced displacement legally terminate the lease and release tenants from liability.

I am requesting permanent deletion of all public record and rental collection reporting related to XXXX at XXXX XXXX as these entries are factually incorrect and can not be verified. 

Documentation supporting my dispute is attached, including the fire report, vacate notice, and the XXXXbalance lease termination letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: WA

Complaint narrative:
I respectfully request the elimination of this erroneous account from my credit report as I did not authorize its creation and it is not mine. Attached are the supporting documents confirming my claim.

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 2025-11-14 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: WA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I am submitting this formal complaint against Equifax for ongoing violations of the Fair Credit Reporting Act ( FCRA ) related to my identity theft dispute. On XX/XX/year>, I submitted a legal demand with my FTC Identity Theft Report and supporting documentation, which identified fraudulent accounts from XXXXXXXX XXXX Despite having received all required documents, Equifax has failed to block or delete these accounts, in direct violation of FCRA 1681c-2, and has not conducted a reasonable reinvestigation under FCRA 1681i ( a ) ( 1 ) .. Their refusal to comply continues to cause harm to my creditworthiness and financial well-being. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: ROBINHOOD MARKETS INC.
State: AZ

Complaint narrative:
Hi on XX/XX/XXXX I attempted to make a transfer on my Robinhood to my checking account to pay bills and they restricted my account. I have given them all the information that they asked for, and verified it was me and my account. They have not lifted the restriction or given me a reason why it was restricted in the first place. I need access to my savings in Robinhood asap, I am about to be evicted from my home. At first it said it would be unlocked on XX/XX/XXXX, but nothing has happened. This seems very criminal, please help me get my account unrestricted, Id really appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Navy Federal Credit Union is refusing to release a lien on my vehicle title despite clear evidence that the lien was filed in error due to an administrative mistake.

The core facts are : 1. The VIN listed on Navy Federal 's own security agreement and promissory note is XXXX. 
2. However, Navy Federal placed its lien on my vehicle, which has VIN XXXX. 
XXXX. These are XXXX different vehicles. Therefore, Navy Federal has no valid security interest in my specific vehicle.

4. A third-party debt buyer, XXXX XXXX XXXX , briefly held this account but has since returned it to Navy Federal , confirming that Navy Federal is the sole party responsible for resolving this lien issue .

5. Despite multiple formal demands and providing this evidence, Navy Federal 's customer service and title department have been unresponsive or have directed me to other departments that can not help, creating a circular run-around.

This is not a dispute about debt payment. It is a demand to correct a fundamental administrative error that is unlawfully preventing me from obtaining a clear title from the Texas XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: MS

Complaint narrative:
1. Under 15 USC 1681b Permissible Purposes of Consumer Reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft. 
XXXX Account Number : XXXX DELETE AND SUPPRESS THIS ACCOUNT FROM MY CREDIT REPORT BEFORE I SEEK LITIGATION IN SMALL CLAIM COURTS 2. Under 15 USC 1681b Permissible Purposes of Consumer Reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft. 
TDRCDFRSPGR Account Number : XXXX DELETE AND SUPPRESS THIS ACCOUNT FROM MY CREDIT REPORT BEFORE I SEEK LITIGATION IN SMALL CLAIM COURTS 3. Under 15 USC 1681b Permissible Purposes of Consumer Reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft. 
XXXX Account Number : XXXX DELETE AND SUPPRESS THIS ACCOUNT FROM MY CREDIT REPORT BEFORE I SEEK LITIGATION IN SMALL CLAIM COURTS 4. Under 15 USC 1681b Permissible Purposes of Consumer Reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft. 
XXXX Account Number : XXXX DELETE AND SUPPRESS THIS ACCOUNT FROM MY CREDIT REPORT BEFORE I SEEK LITIGATION IN SMALL CLAIM COURTS 5. Under 15 USC 1681b Permissible Purposes of Consumer Reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft. 
NATLCRSYS Account Number : XXXX DELETE AND SUPPRESS THIS ACCOUNT FROM MY CREDIT REPORT BEFORE I SEEK LITIGATION IN SMALL CLAIM COURTS 6. Under 15 USC 1681b Permissible Purposes of Consumer Reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft. 
XXXX XXXX Account Number : XXXX DELETE AND SUPPRESS THIS ACCOUNT FROM MY CREDIT REPORT BEFORE I SEEK LITIGATION IN SMALL CLAIM COURTS 7. Under 15 USC 1681b Permissible Purposes of Consumer Reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft. 
ATLCAPBKSELF Account Number : XXXX DELETE AND SUPPRESS THIS ACCOUNT FROM MY CREDIT REPORT BEFORE I SEEK LITIGATION IN SMALL CLAIM COURTS

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 2025-11-14 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: WA

Complaint narrative:
I am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
To whom it XXXX concern : I am writing to file a formal complaint against JPMorgan Chase Bank , N.A . regarding fraudulent activity involving my Chase credit card and associated XXXX Rewards account. 

On XX/XX/2025, I discovered that XXXX XXXX Rewards points were redeemed on XX/XX/2025, without my authorization. The redemptions occurred XXXX times, each in the amount of XXXX points, and were used to obtain gift cards. I did not authorize, initiate, or benefit from these transactions. 

I immediately contacted XXXX fraud department to report the issue and requested an investigation and reinstatement of the stolen points. However, the response from Chase has been unsatisfactory, and the stolen rewards have not been restored to my account. These points represent significant accumulated value from years of legitimate card usage and purchases. 

I am requesting that the CFPB review this matter to ensure Chase conducts a fair and timely investigation and restores the full value of my stolen rewards points. I have attached confirmation of the unauthorized transactions. 

Please contact me if additional documentation is needed. Thank you for your attention to this serious matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I was charged {$350.00} by a medical clinic for a procedure that was not performed. I went to the clinic specifically for a cyst aspiration/removal, and I was told that the {$350.00} charge included the aspiration. yes i have a message stating that new patient price is {$350.00} but they said that this price included aspiration thats the only reason i chose this clinic and if the aspiration was not performed i of course expected to pay less but i was charged upfront i need a full refund. When I arrived, the doctor determined the cyst was too small to remove and did not perform the aspiration. Instead, he only administered a steroid injection. Despite the procedure not being performed, I was still charged the full {$350.00} for the aspiration. 

I opened a dispute with USAA because I paid for a service I did not receive. I submitted all evidence in my possession, including the clinics own written confirmation that the aspiration was included in the price. However, USAA denied my dispute and stated that they could not assist me unless I provided proof that the service was not performed. This is unreasonable, as consumers do not have access to a medical providers internal service records. 

I specifically requested that USAA contact the clinic directly, as required, to obtain the service records that would show the aspiration was not performed. USAA refused to contact the merchant and failed to conduct a proper investigation. I am requesting that USAA fulfill their obligation under the Fair Credit Billing Act by contacting the clinic and reviewing their service records to verify that the billed procedure did not occur.

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 2025-11-14 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: MA

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-11-14 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: TX

Complaint narrative:
I am filing this complaint with the CFPB regarding TransUnions repeated failure to remove inaccurate information from my credit report. This is the third complaint submitted concerning this account, as prior disputes and complaints have not been resolved. 

Account Details : Creditor : FIRST PREMIER Account Number : # XXXX Balance : {$500.00} Status : Charge-Off Date Reported : XX/XX/year> TransUnion continues XXXX report this account without verification or proper reinvestigation, violating federal consumer protection laws, despite my prior disputes and complaints. 

Legal Basis ( FCRA Violations ) : 611 ( a ) ( 1 ) ( A ) : Reasonable reinvestigation required.

611 ( a ) ( 5 ) ( A ) : Information that can not be verified must be deleted.

607 ( b ) : Maximum possible accuracy required.

611 ( a ) ( 5 ) ( B ) : Reinserted information requires furnisher certification and written notice ; neither was provided.

623 ( b ) : Furnishers must investigate and correct inaccurate information. 

I request immediate and permanent deletion of this account from my TransUnion credit report due to repeated non-compliance. 

Sincerely, 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 2025-11-14 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:
I am a victim of identity theft. My TransUnion credit report shows a fraudulent personal loan reported by XXXX XXXX XXXX for {$1300.00}. I did not apply for or authorize this loan. I have no relationship with this company and I did not give permission for them to obtain or report any information about me. This account is the result of identity theft. 

My report also shows multiple unauthorized hard credit inquiries from lenders I never interacted with. These include 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. I did not apply for credit with any of these companies, and I did not authorize these inquiries. 

I filed an FTC Identity Theft Report and completed a sworn Affidavit of Identity Theft. Under FCRA 605B, TransUnion is required to block identity theft-related information within four business days. Under FCRA 609 ( a ) ( 1 ) and 611 ( a ) ( 7 ), I requested the documentation used to verify this account and inquiries. TransUnion has not provided any verification. Any information that can not be verified must be deleted under FCRA 611 ( a ). 

I have also filed a complaint with the California Attorney General regarding this issue. I am requesting that TransUnion immediately investigate, block, and permanently delete the fraudulent XXXX XXXX XXXX collection account and all unauthorized hard inquiries from my file. 

Supporting documents, including my FTC report, affidavit, proof of identity, and copies of my credit report, are attached.

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 2025-11-14 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: FL

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report XXXX is 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 2025-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC

Complaint narrative:
First Citizen Bank reported to check system that I open an account with them. I abused the account but I never open an account with first citizen. I tried to dispute it a few times but Im not getting anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: CA

Complaint narrative:
* * The information reported is inaccurate and unverifiable. Under the Fair Credit Reporting Act, I am requesting correction or deletion according to the following laws : FCRA 602 Consumer rights to fair and accurate reporting FCRA 607 ( b ) Duty to ensure maximum possible accuracy FCRA 609 Right to full disclosure FCRA 611 Duty to reinvestigate disputed information FCRA 623 ( a ) ( 1 ) ( A ) Furnishers may not report inaccurate information FCRA 623 ( a ) ( 3 ) Duty to report disputes correctly FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) Requirement to provide method of verification I have uploaded the documentation. Please review the file and correct or delete all inaccurate information. * *

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: CA

Complaint narrative:
I am filing this complaint because XXXX has failed to respond to my formal credit reporting dispute regarding an inaccurately reported XXXX late payment on XXXX # XXXX On XXXX i submitted a formal dispute to XXXX at their designated credit reporting email ( XXXX ). This dispute included detailed information and documentation showing that the reported XXXX late payment was the result of : A system failure when I updated my bank account information, and Upstarts failure to send any notification that the payment failed or was becoming delinquent. 

XXXX is legally required under the Fair Credit Reporting Act, FCRA 623 ( a ) ( 8 ) to : 1. Conduct a reasonable investigation of a consumer dispute, and 2. Provide the results of that investigation within 30 days. 

It has now been over 30 days, and XXXX has not responded to my dispute in any form. 
This failure to respond constitutes a direct violation of their obligations under FCRA. 

Additionally, XXXX also failed to respond to my previous CFPB complaint about this matter. 

I am requesting the CFPBs assistance in compelling XXXX to : Provide the results of my dispute investigation, and Correct or remove the inaccurate XXXX late payment from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: TX

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report XXXX is 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 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Finance System of Richmond, Inc.
State: AR

Complaint narrative:
This company reached out to me today ( XX/XX/year> ) stated who they were, that I owed them {$56.00}, gave an account number, and wanted me to click a link. I responded and told them to mail me an itemized statement. I haven't recieved any mail for this debt. It's not on my credit report. I have no idea what it could even be from.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo placed a deposit hold on my account, but the written notice did not include the required funds availability date under Regulation CC 229.16 ( a ) ( 3 ). I requested a hold reevaluation, but XXXX escalations opened on XX/XX/XXXX and XX/XX/XXXX received no response. My account is now restricted : debit card, credit card payments, and transfers are blocked. I am requesting a Regulation CCcompliant notice, a hold reevaluation, and restoration of account access.

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