vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-26 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: NCB Management Services Inc.
State: LA

Complaint narrative:
UCC 9-614 ( Uniform Commercial Code, Article 9, Section 614 ) dictates the required content and format for a secured party 's notice to a debtor before selling or disposing of collateral in a consumer-goods transaction, ensuring the debtor knows their rights, like redeeming the property or getting an accounting, with specific mandatory information ( who, what, when, where ) and a safe harbor form for compliance. I was not notified when or where the car was sold, how much the car was sold for or the sale price for it. The amount the car was sold for was not applied to my balance owed. I was not informed that the amount the car was sold for would be applied to my balance! I also did not receive the POST REPO NOTICE! Therefore this account is inaccurate. If you believe you have proper notification please provide CERTIFIED MAIL, within 45 days, with receipts displaying my signature. If not please delete account # XXXX from my credit report or I will take LEGAL ACTION

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: FL

Complaint narrative:
I have noticed several hard inquiries on my Experian credit report that I did not authorize or that appear to be unauthorized. The inquiries I am requesting to be removed from Experian are : XXXX XXXX XXXX, dated XX/XX/XXXX XXXX XXXX XXXX, dated XX/XX/XXXX XXXX XXXX XXXX, dated XX/XX/XXXX XXXX  XXXX XXXX, dated XX/XX/XXXX XXXX XXXX XXXX, dated XX/XX/XXXX XXXX, dated XX/XX/XXXX XXXX, dated XX/XX/XXXX XXXX, dated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  / XXXX, dated XX/XX/XXXX XXXX, dated XX/XX/XXXX I previously disputed these inquiries directly with Experian, but they were not removed. I am requesting CFPB assistance to have these unauthorized inquiries removed from my Experian credit report as soon as possible. I expect written confirmation once these inquiries have been removed.

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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am filing this CFPB complaint as a follow up because I have already disputed these inaccuracies and they still have not been resolved. My middle initial continues to be reported incorrectly as XXXX instead of XXXX XXXX XXXX, and the addresses XXXX XXXX XXXX, XXXX, NJ XXXX and XXXX XXXX XXXX, XXXX, NJ XXXX remain on my credit file even though they are not associated with me and were never authorized. My only accurate address is XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX. The failure to correct this information after prior disputes violates the Fair Credit Reporting Act, including 15 USC 1681e ( b ) for maximum possible accuracy and 15 USC 1681i ( a ) for proper reinvestigation. I am requesting CFPB assistance to require the immediate removal of these inaccuracies and written confirmation once my credit file accurately reflects my correct legal name and 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 2025-12-26 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Product : Auto Loan or Lease Issue : Trouble getting information or records/ Problem with loan or lien Company : JPMorgan Chase Bank , N.A . 

I am the borrower on an auto loan held by JPMorgan Chase Bank , N.A . The vehicle was titled in my name, and the loan remained active at all relevant times. 

Without my authorization or written consent, Chase released the lien on the vehicle at the request of a towing company after the vehicle was sold. I was never notified in advance of the lien release, nor was I provided any documentation supporting Chases decision to release the lien. 

After learning of this, I submitted a written request asking Chase to provide records and documentation related to : the lien release, the authorization relied upon, communications with the towing company, and the handling of the loan account after the vehicle was sold. 

Chase failed to respond to my written request. When I followed up by phone, a representative from the lien release department ( XXXX, ID # XXXX ) stated that the bank was under no obligation to provide documentation or records regarding the lien release. 

Attached are the letters and the XXXX USPS receipts which confirms the letter was received by Chase. 

As a result of Chases actions, the loan remains outstanding with no collateral, and my family has suffered financial harm. I am requesting that Chase be required to provide a written explanation and all records related to the lien release and loan handling. 

I am filing this complaint because Chase has refused to provide information that directly affects my financial obligations and rights as a borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I am submitting this complaint regarding inaccurate, incomplete, and unverifiable information being reported about me by ChexSystems , Inc., a consumer reporting agency. 

ChexSystems is currently reporting negative information that has prevented me from opening a checking account. I believe this reporting violates the Fair Credit Reporting Act ( FCRA ), which requires consumer reporting agencies to maintain reasonable procedures to assure maximum possible accuracy of the information they report. 

I have not been provided with adequate documentation demonstrating that : - The reported account is accurate and legally attributable to me - The balance and reason for reporting are correct - Proper notice was provided prior to reporting - A reasonable reinvestigation was conducted as required by law Despite my efforts to resolve this matter, ChexSystems continues to report this information without providing competent evidence verifying its accuracy. Under the FCRA, information that can not be verified must be corrected or deleted. 

I am requesting that the CFPB investigate this matter and require ChexSystems to : 1. Conduct a full and lawful reinvestigation 2. Provide complete verification of the reported information 3. Remove any information that can not be verified as accurate and compliant with federal law This reporting has caused ongoing financial harm by limiting my access to basic banking services. I respectfully request assistance in resolving this matter promptly. 

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 explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: OPTUM BANK, INC.
State: UT

Complaint narrative:
I have an XXXX account and an XXXX account. I requested that the entire investment account ( XXXX ) be transferred to the XXXX account on XXXX XX/XX/2025. At this time, auto transfer of funds from XXXX to the investment account was turned off. 

Investments were sold XXXX XX/XX/2025. However, on XXXX XX/XX/2025, the money automatically moved back into the investment account and used to purchase investment funds. 

I logged in to view the unexpected transfers and to confirm that auto-transfer was off on XXXX XX/XX/2025. I called and asked for support / explanation - the only support I was given was to repeat the transfer process again. I expressed concern, and the XXXX said they could verify that auto-transfer was turned off, though they could not verify when it was turned off. Both the XXXX and I were unable to transfer the accounts because they were " in process '' - although my investment transaction details show that all purchased were made on XXXX XX/XX/2025, and there were no transfers or purchases pending. I was told to wait a few days and try to transfer again. I was asked for something in writing, and the XXXX said not to worry - the call was recorded. 

I am in the process of transferring out of Optum into another XXXX provider, and this likely will delay or complicate that process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This complaint is submitted as a continuation and formal rebuttal to Citibank, N.A.s XX/XX/year> CFPB response in prior cases # XXXX, # XXXX, and # XXXX, which were administratively closed without resolving the underlying violations. 
Since Citibanks response, new and continuing violations have occurred. Citibank has assigned the same disputed accounts to additional third-party debt collectors, including XXXX XXXX XXXX XXXX XXXX ( account ending XXXX ) and XXXXXXXX XXXX XXXXXXXX XXXX XXXX account ending XXXX ), despite unresolved disputes, lack of lawful validation, and prior cease-and-desist notices. 
Citibank has failed to provide a signed cardholder agreement, complete accounting ledger, chain of title, insurance recovery disclosures, securitization information, or a clear explanation regarding Form 1099-C issuance. Only generic, unsigned applications and billing statements were provided, which do not constitute lawful validation. 
Additionally, during and after CFPB review, credit reporting for these accounts was altered, including removal of prior written off coding and substitution of contradictory charged off, past due, and over credit limit reporting on closed accounts. These changes occurred while disputes were active. 
Attached is my sworn rebuttal affidavit and supporting exhibits documenting these continuing violations. I respectfully request CFPB review, cross-reference of the prior cases listed above, and appropriate supervisory and enforcement action.

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 2025-12-26 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-26 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: AZ

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have no public record history on my credit report, and these entries should not be there. Please delete them immediately, as they are creating serious 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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
I previously submitted disputes to Equifax through the CFPB on XX/XX/XXXX, and again on XX/XX/XXXX ( CFPB reference numbers available ), concerning inaccurate and negative account information. 

Following my XX/XX/XXXX dispute, the disputed accounts were deleted. Equifax later reinserted the same information without providing the required statutory notice or certified verification from the furnisher, in violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). 

Equifax failed to conduct a reasonable reinvestigation, failed to maintain maximum possible accuracy, and continued reporting despite multiple notices and opportunities to cure. 

Equifax is also maintaining inaccurate personal identifying information, including name variations and outdated addresses. 

The alleged debts have been assigned, and continued reporting listing me as the personal obligor is inaccurate. 


A physical dispute letter was mailed to Equifax- XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: IN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-26 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: IN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, 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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this formal complaint regarding inaccurate credit reporting and the failure of credit reporting agencies and furnishers to conduct a reasonable reinvestigation as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 
I previously disputed the accounts and inquiries listed below directly with the credit bureaus. Despite my dispute, these items continue to be reported inaccurately and without proper verification. As of today, the issues remain unresolved, requiring CFPB review and intervention. 
XXXX XXXX Date : XX/XX/year> Issue : I did not authorize this inquiry. Please delete. 
XXXX XXXX Date : XX/XX/year> Issue : Duplicate and unauthorized inquiry. Deletion requested. 
XXXX XXXX Date : XX/XX/year> Issue : No consent provided for this inquiry. Remove immediately. 
XXXX XXXX Date : XX/XX/year> Issue : Unauthorized inquiry. Please delete under FCRA guidelines. 
XXXX XXXX Date : XX/XX/year> Issue : Duplicate unauthorized inquiry. Removal requested. 
Despite my prior disputes, the credit bureaus and furnishers failed to correct or remove the above items and did not provide adequate verification. This demonstrates a failure to comply with their obligations under 15 U.S.C. 1681 and 1681s-2. 
I respectfully request that the CFPB require the involved parties to conduct a lawful reinvestigation and to correct or delete any information that can not be fully verified with proper documentation. 
Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: TX

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation