vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: Porsche Financial Services, Inc.
State: CA

Complaint narrative:
Supporting Statement Regarding Incorrect Late Payment Reporting Name : XXXX XXXX Account Type : Auto Loan Reason for Dispute : Incorrect late payment reporting due to autopay enrollment error by lender representative. 
I am submitting this statement to clarify the circumstances surrounding the late payment reported on my auto loan account. 
On Fri, XX/XX/year>, I spoke with a representative from the lender who walked me through setting up automatic payments. During that call, I was verbally informed that my autopay enrollment was successfully completed. Based on that confirmation, I reasonably believed my payments would be drafted automatically. 
At no point did I receive any notice, alert, or communication indicating that the autopay setup had failed or remained incomplete. The first time I became aware of any issue was when I was notified of a missed payment. I immediately brought the account current as soon as I was informed. 
This late payment resulted from a miscommunication and an autopay enrollment error, not from any intentional or negligent failure on my part. It does not reflect my actual payment behavior or intent to maintain the account in good standing. 
I am requesting that this late payment be removed from my credit file to ensure accurate reporting. 
Thank you for your review and correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SSN : XXXX ( XXXX ) XXXX Date : XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone : XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( s ) : 1 ) - XXXX XXXXXXXX, 2 ) -XXXX  XXXX XXXX Incorrect Address ( es ) : 1 ) - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Correct Information to Be Reported : Full Name : XXXX XXXX XXXX XXXX Correct Date of Birth : XX/XX/XXXX Correct Social Security Number : XXXX Correct Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report. 

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities.

Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation. 

Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements. 
I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above. 

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section 611 of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within 30 days, as required by law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I have recently been informed that there is negative information reported by XXXX  and Midland Credit Management XXXX in the file you maintain my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing an alleged debt of {$4700.00}. 

I challenge the accuracy, compliance and reportability of this listing. 
Please validate this information : XXXX  and Midland Credit Management XXXX and XXXX XXXX XXXX XXXX of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX  XXXX, TX XXXX, provide me with copies of any documentation associated with this account, bearing my signature. 

In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: WA

Complaint narrative:
I refinanced my XXXX XXXXXXXX XXXX XXXX  ( VIN : XXXX ) through Navy Federal Credit Union on XX/XX/XXXX. Navy Federal paid off my original lender, XXXX XXXX XXXX XXXX ( now XXXX XXXX XXXX ). I paid off the Navy Federal loan in full on XX/XX/XXXX. I have been a Navy Federal member for XXXX XXXX ( since XXXX ). 
When attempting to sell my vehicle in XX/XX/XXXX, I discovered that Navy Federal never perfected their lien with XXXX XXXX XXXX XXXX XXXXXXXX after the refinance. Washington State records still show XXXX XXXX XXXX XXXX as the legal owner/lienholdereven though Navy Federal paid them off over five years ago. 
I obtained a notarized lien release from a Navy Federal branch and presented it to Washington State DOL. The DOL rejected it because Navy Federal is not the lienholder of record in their system. DOL told me I need documentation from Navy Federal acknowledging they did not perfect their lien. 
On XX/XX/XXXX, I spent over two hours in Navy Federal 's online chat. I spoke with an initial agent, supervisor " XXXX, '' agent " XXXX, '' agent " XXXX, '' and supervisor " XXXX. '' XXXX admitted in writing that : Navy Federal has a record of payment clearing to XXXX ; Navy Federal did not receive a lien release from XXXX ; Navy Federal was never placed as lienholder because they never received the perfected title. 
Despite admitting these facts, XXXX refused to provide a letter documenting them, stating " this is not a standard letter to provide. '' When I asked to add one sentence to their standard lien release stating Navy Federal did not perfect the lien, XXXX refused. When I asked XXXX to confirm my request was documented, I was disconnected to an automated bot without a responsetwice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: CO

Complaint narrative:
T

he 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 2025-12-05 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: CO

Complaint narrative:
T

he 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 2025-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I am writing regarding the above-referenced account. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that you validate this alleged debt before any further collection activity or reporting.

Please provide : The original creditors name and address.

The original account number.

Documentation proving I am legally obligated to pay this debt.

A detailed accounting of the alleged balance. 

Proof your company is authorized to collect this debt.

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 2025-12-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
MISSING WIRE TRANSFER - {$10000.00} UNACCOUNTED FOR - 30 DAYS WITHOUT RESOLUTION On XX/XX/2025, I sent a {$10000.00} domestic wire transfer from my Citibank account to my niece 's XXXX XXXX XXXX XXXX ( XXXX ) account for family financial support. 

WIRE TRANSFER DETAILS : - Date : XX/XX/2025 - Amount : {$10000.00} - Sending Bank : Citibank - Receiving Bank : XXXX XXXX XXXX XXXX - Federal Reference Number : XXXX WHAT HAPPENED : Citibank debited {$10000.00} from my account on XX/XX/2025. The receiving bank ( XXXX XXXX ) rejected the wire because the recipient 's account was " too new '' and stated they returned the funds to Citibank. 

IT HAS NOW BEEN NEARLY 30 DAYS, and my {$10000.00} has NOT been returned to my Citibank account. 

CITIBANK 'S UNACCEPTABLE DELAYS : I have contacted Citibank XXXX Department multiple times over the past month. Despite providing the Federal Reference Number every time, Citibank has : - REFUSED to file a formal wire trace - FAILED to locate my {$10000.00} for 30 days - FAILED to provide any resolution timeline - Repeatedly claimed they have " no record '' of the returned wire - Told me they contacted XXXX XXXX but got " no response '' - Directed me to contact the receiving bank myself instead of investigating The recipient contacted XXXX XXXX multiple times and confirmed : - XXXX XXXX received the wire ( they provided the FRN ) - XXXX XXXX rejected and returned it to Citibank XXXX XXXX XXXX stated only Citibank can file a dispute to recover funds THIS DELAY IS UNACCEPTABLE : A rejected wire transfer should be resolved within XXXX business days. Instead, Citibank has allowed 30 DAYS to pass without filing a wire trace, locating my funds, or taking responsibility. 

Every time I contact them, I receive vague responses and am told to " wait '' or contact the other bank. Meanwhile, my {$10000.00} remains missing. 

Citibank took my money but failed to complete the transfer. They now refuse to investigate properly or return my funds. This is completely unacceptable.

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 2025-12-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Formal Complaint : Systemic Account Failure, Ghost Card, & Tool Breakdown To : American Express XXXX XXXX XXXX XXXX XXXX XXXX XXXX CEO From : XXXX XXXX ( Additional Card Member ) Re : Account Mismatch ( System : XXXX XXXXXXXX XXXX. Physical : XXXX XXXXXXXX ) & Service Failure Date : XX/XX/year> URGENT : IMMEDIATE RESOLUTION REQUIRED To the XXXX XXXX  Team, I am writing to formally document a catastrophic failure in your card issuance and support systems. I am currently holding a Platinum card ending in XXXX that is " dead '' at the network level, while your frontline agents are unable to even process a basic replacement due to internal system errors. 
1. The Timeline of Failure ( Confirmed by Agent Logs ) My chat logs from today establish a clear timeline of Amex 's failure : XX/XX/year> ( The " Ghost '' Delivery ) : Your agent asked, " May I know that have you received the card which got delivered on XX/XX/XXXX? '' I never received this card. This confirms your system moved my account to a new number over two months ago without verifying I had the physical instrument. 
XX/XX/year> ( Last Success ) : My last approved charge was for XXXX XXXX. 
XXXX XXXX XXXX ( The Collapse ) : My physical card ( XXXX ) began declining everywhere ( XXXX XXXX XXXX XXXX ), yet agents could not see the declines because the network was rejecting the voided number before it reached my account. 
XXXX XXXX  Today ( The Admission ) : Your agent explicitly stated : " It seems this number was invalidated and I see new card number was issued for this card. '' 2. Operational Breakdown & Tool Failure The situation has escalated beyond a simple lost card because your own agents can not fix it. 
Tool Failure : At XXXX XXXX, your agent attempted to issue a replacement but received the error : " I'm sorry, I wasn't able to process your Card replacement request. '' Shipping Denial : When I requested overnight XXXX  to mitigate this XXXX failure, I was refused and offered " Standard '' shipping ( XX/XX/XXXX XXXX ). 
3. Demands for Resolution This is a premium product failing at every levellogistics, digital systems ( XXXX XXXX ), and customer support. I require : A. Immediate XXXX Intervention ( Logistics ) I demand that the " XXXX Standard '' shipment be intercepted or upgraded to Priority Overnight immediately. I can not wait until XX/XX/XXXX due to your system 's error in XXXX. 
B. Monetary Relief ( Compensation ) 1. Pro-Rata Refund : A refund of the Annual Fee for the period of non-usability ( XX/XX/year> XXXX ). 
2. Goodwill Credit : I request a credit of {$500.00} to compensate for the significant inconvenience, the public embarrassment of declined transactions, and the hours spent diagnosing a technical issue that your own tools could not resolve. 
I await your immediate confirmation that a working card is on its way via overnight courier. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: TX

Complaint narrative:
I am submitting a follow up on a previous dispute I submitted concerning inaccurate information on my credit report. Upon reviewing my most recent credit report, I continue to find discrepancies regarding the reporting of late payment statuses on several accounts. Despite my prior request, the following accounts still appear to reflect inaccurate or misleading information. I have thoroughly reviewed my personal records and payment history, and I maintain that the late payment reports associated with these accounts are incorrect. I respectfully request a renewed and thorough investigation into these matters, and that the necessary corrections be made as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$190.00} Date Opened:XXXX Date of Last XXXX late XXXX days XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX XXXX late XXXX days XXXX, XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$240.00} Date Opened:XXXX Date of Last Activity:XXXX late XXXX days XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, late XXXX days XXXX, XXXX XXXX-not reeported in XXXX and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Happy Money, Inc.
State: LA

Complaint narrative:
On a previous XXXX ( dba Happy Money ) loan I requested SCRA benefits to be applied to by loan. I was denied even though I sent in all supporting documentation. I was denied and it wasnt until the loan was paid off that the company finally informed me that I couldnt get the benefits because the loan was paid in full. While trying to obtain benefits that I was rightfully entitled to I was given the run away and avoidance tactics. I have emails to as receipts of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

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! 


XXXX CARD - XXXX XXXX  CARD - XXXX XXXX  CARD - XXXX XXXX XXXX  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 2025-12-05 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-12-05 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: FirstPoint Collection Resources
State: PA

Complaint narrative:
Unlawful Contract Modification and Unauthorized Charge by XXXX  XXXX I am submitting a formal complaint regarding XXXX XXXX for unlawful billing practices, unauthorized charges, and improper contract modification without my consent. 

I have been a XXXX customer for over five years. When I signed my original contract, there was no requirement to provide a 30-day cancellation notice. XXXX recently charged me for an additional month ( {$55.00} ) solely based on a contract update that I never received, never reviewed, and never agreed to. 

XXXX claims they sent emails about updated contract terms, but email notifications do not constitute legal consent, nor do they override a written signed agreement. XXXX has not provided : a copy of the original signed contract, proof that a 30-day notice clause existed, or any documentation showing that I agreed to new terms. 

When I attempted to cancel on XX/XX/XXXX, XXXX attempted to charge two additional months, then forced a one-month charge based on an unauthorized and unlawful policy.

This is a violation of fair billing practices and consumer protection laws.

I request that CFPB investigate XXXX  billing practices, improper contract modifications, and refusal to provide my original signed agreement.

Company response to consumer: Closed with explanation