vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Stillman, P.C. d.b.a. Stillman Law Office
State: MA

Complaint narrative:
This complaint constitutes the 2nd complaint filed against this Debt Collector ( Stillman Law Office, LLC ). The debt that ( Stillman Law Office, LLC ) was allegedly " collecting '' on behalf of the " Original '' creditor [ XXXX XXXX XXXX ] was being " Collected '' by another debt collector ( XXXX XXXX XXXX XXXX XXXX ) during the same time period. On or about XX/XX/year> ( XXXX XXXX XXXX XXXX XXXX ) received a " Cease and Desist for Non-Response to Conditional Acceptance Notice '' and ( XXXX XXXX XXXX XXXX XXXX ) ceased all collection activities. The initial ( CFPB ) complaint against ( Stillman Law Office, LLC ) was filed on XX/XX/year> [ XXXX ]. ( Stillman Law Office, XXXX ) responded to said ( CFPB ) complaint on XX/XX/year> and the complaint was closed with explanation by the CFPB. On XX/XX/scrub>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 XXXXXXXX ] allegedly " collecting '' same debt for the " Original '' creditor [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) and ( Stillman Law Office, LLC ). No prior notices were ever received from attorney XXXX XXXX XXXX, that he was debt collector or attempting to collect a debt, just the receipt from the court of the lawsuit which constitutes a blatant and willful violation of the Fair Debt Collection Practice Act ( FDCPA ). After further research attorney XXXX XXXX XXXX is an attorney affiliated and or employed by ( Stillman Law Office, LLC ). This is evidence of the deceptive, predatory practices employed by ( Stillman Law Office, LLC ) to collect a debt. SEE ATTACHMENTS for the true and complete timeline of events as filed into Court.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: NC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: NC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
I am requesting that complaint number XXXX be reopened. Based on information that I received from Bridge Crest customer service my claim was closed on XX/XX/year> and the file shows that no activity on the account since the claim was closed. In the letter to the Bureau, Bridge Crest stated that once they have completed the investigation I would be notified.Based on the imformation received Bridge Crest did not reopen the investigation as indecated in their letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$660.00} 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.In accordance with the Fair Credit Reporting act. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting age

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 2025-07-08 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX NC XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$930.00} XXXX  XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$690.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$480.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3900.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$530.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6600.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$4000.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$3800.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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 disputing a hard inquiry on my credit report that I did not authorize or consent to. This inquiry was made without a permissible purpose and violates 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 2025-07-08 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Comerica
State: MI

Complaint narrative:
My card was stolen and for the past XXXX days I have not been able to access my account and order a new one. They had me send a copy of my Government ID over XXXX times, only to turn around and say that my ID was expired, when in fact it is not. As this situation has caused great stress and something needs to be done about this abuse.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-08 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: IA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: ROBINHOOD MARKETS INC.
State: NC

Complaint narrative:
Issue : Robinhood has restricted my account and is unlawfully withholding my funds. 

What happened : On XX/XX/2025, my Robinhood account was placed under restriction without any clear explanation. Since that date, I have been unable to withdraw my available balance of {$440.00}, despite multiple attempts and support messages. 

The app displays the message : Withdrawal declined You cant withdraw money while your account is restricted. 
I attempted to withdraw to my linked debit card ending in XXXX and was charged a {$7.00} fee, but the withdrawal was blocked entirely. 

I have requested that Robinhood close my account, and I should be able to access my remaining funds. Despite emailing support and submitting Case ID XXXX, I have not received any response or resolution. I consider this a withholding of funds without cause or legal justification. 

Company Name : Robinhood Financial LLC Email on Account : XXXX State : North Carolina Amount Withheld : {$440.00} Case ID ( with Robinhood ) : XXXX Date of Issue : XX/XX/2025 What I want : I want Robinhood to immediately lift the restriction and release my funds. If further documentation is required, they must notify me clearly and fairly. Otherwise, this constitutes an unjust restriction on my legal access to personal funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX LA XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$3300.00}

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 2025-07-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
Had hit a Dear in the car insurance total the car so it left a balance which gap insurance payed the rest of the balance which they say they did not but the gap insurance people told me they paid the rest

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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 the victim of identity theft. I have submitted a formal dispute along with an FTC Identity Theft Report and all required documentation to support the claim. Under the Fair Credit Reporting Act, the bureaus are obligated to block all fraudulent accounts within 4 business days of receiving proper notice. I am demanding permanent deletion of the following : -Fraudulent accounts and inquiries -Inaccurate or unverifiable personal information I am attaching my FTC report , formal dispute letter, and government-issued ID, SSN, and proof of address.

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 2025-07-08 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: TX

Complaint narrative:
I am the victim of identity theft. I have submitted a formal dispute along with an FTC Identity Theft Report and all required documentation to support the claim. Under the Fair Credit Reporting Act, the bureaus are obligated to block all fraudulent accounts within 4 business days of receiving proper notice. I am demanding permanent deletion of the following : -Fraudulent accounts and inquiries -Inaccurate or unverifiable personal information I am attaching my FTC report , formal dispute letter, and government-issued ID, SSN, and proof of address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIRST NATIONAL BANK OF OMAHA
State: NY

Complaint narrative:
First National Bank allowed a customer to dispute and win a chargeback on a furniture order that was a custom order and final sale and signed for by the customer. We provided the bank with all the details and they still gave the customer the money back and the customer has our furniture and money now. We have filed a police report and the police did speak to the customer they advised that we contact the bank which we did and they do not respond.

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 2025-07-08 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section XXXX of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-07-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
I have been a loyal USAA client for over 25 years, and I am now being completely locked out of my own accountall because I updated my phone number.

USAAs identity verification process has become so dysfunctional that I am unable to access my policies, bills, documents, or speak with a representative, even though I have provided : A passport, drivers license, and proof of phone number update Multiple phone calls explaining and verifying my identity in every way imaginable Despite this, USAA insists that the only way to verify me is by sending a security code to my old phone numberwhich is no longer in service. 

In order to update that phone number, I am forced into a Verify Portal where I upload my ID and then wait for a random, unscheduled phone call from a USAA number. If I miss the calleven onceI must start the process over. I have done this twice, with no resolution. 

To make matters worse, I received an email from USAA on Thursday, XX/XX/XXXX at XXXXXXXX XXXX ( right before the holiday weekend ), stating that my ID was received and asking me to call them and view a document. But : They provided no phone number, no department, and no reference code The document they asked me to view is inside the secure message center, which I can not access because I am locked out It is a closed loop of digital entrapment. 

To make it even more absurd, I have now received a billing notificationbut I am unable to view the amount due, make a payment, or access the policy at all. And of course, if I miss that payment, my coverage could be canceleddespite this being 100 % caused by USAAs system failure.

I am filing this formal complaint because USAA : Has confirmed they have my government-issued ID Continues to lock me out with no alternative solution Refuses to provide a real human contact or scheduled verification method Is creating serious risk to my legal and financial obligations I am requesting immediate intervention to restore account access using standard layered identity verification methods, not a broken system that depends on a dead phone number and a random call I may or may not receive.

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 2025-07-08 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: TX

Complaint narrative:
I recently reviewed my credit report and discovered accounts that I did not open, authorize, or use. These are fraudulent entries that likely stem from unauthorized access to my personal information.

Company response to consumer: Closed with non-monetary relief