vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: MI

Complaint narrative:
There appears to be a bank account being reported by XXXX XXXX. The debt included in my XXXX  and should reflect a {$0.00} balance. 

Subsequently, on XX/XX/year>, the XXXX XXXX entered XXXX XXXX discharge ( the XXXX ), a copy of which is attached for your convenience [ XXXX ]. Pursuant to 524 ( a ) ( 2 ) of the Bankruptcy Code, [ a ] discharge... operates as an injunction against the commencement or continuation of an action, the employment of process, or an act, to collect, recover any such debt as a personal liability of the debtor....

________________________ { 01139023.1 } This is commonly referred to as the discharge injunction. It prohibits the Lessor from suing or threatening to sue XXXX XXXX with respect to the Lease, as the debt associated with XXXX XXXX  were XXXX. 

I am writing this letter because Chex Systems or has : ( i ) sent XXXX XXXX communications threatening to sue her for nonpayment of the Lease, and ( ii ) reporting unauthorized reports on XXXX XXXX. I hope these actions were taken inadvertently. Nonetheless, the Lessor must immediately discontinue these actions.

If the Lessor does not, it will be in violation of the discharge injunction, and will be subject to court sanctions and other serious consequences.

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 2025-11-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Porsche Financial Services, Inc.
State: CA

Complaint narrative:
I am unable to access my auto loan account with Porsche Financial Services because they are forcing me to install a third-party authenticator app in order to log in and make my monthly payment. I fully support the use of multi-factor authentication, but Porsche is not offering any reasonable alternatives such as SMS or email verification codes, which every other financial institution I use provides.

This requirement prevents me from accessing my billing information and from submitting my payment online. When I log in, I am taken to a mandatory XXXX enrollment screen with only XXXX option : install an authenticator app and scan a QR code. The XXXX code does not work with standard authentication tools on my device, and Porsche offers no alternative method to verify my identity. Their help pages only describe how to enable XXXX, not how to bypass or use another method.

Porsche Financial Services has created an unreasonable barrier to making my payment by requiring the installation of third-party software on my personal device. I am requesting that Porsche provide normal XXXX  options ( SMS or email codes ) so that I can access my account and manage my loan without being forced to install additional software. This issue is preventing timely payment and proper access to my loan information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
I am writing to notify you that several accounts appearing on my credit reports are the result of identity theft following a data breach involving my personal information. I did not open, authorize, or use these accounts. Please investigate and remove or block all fraudulent information from my credit file as required under the Fair Credit Reporting Act ( FCRA ) 5 U.S.C. 1681c-2.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: TX

Complaint narrative:
I am sending this complaint because the credit report currently on file contains inaccurate and unverifiable information that is negatively affecting my creditworthiness and must be removed immediately. Under the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute and request the removal of any information that can not be verified as accurate. My report lists addresses that I have never resided at, including XXXX XXXX XXXX, XXXX, GA and XXXX Antler Rdg # NA, XXXX, GA. The inclusion of these false addresses violates FCRA 607 ( b ), which requires credit reporting agencies to maintain the maximum possible accuracy of all consumer information. Negative account information is also being reported inaccurately. Accounts with XXXX and XXXX XXXX XXXX are shown as late closed, despite having XXXX balances. My XXXX credit card is reported with an outstanding balance of {$5000.00}, even though it was legally forgiven and reported to the IRS via Form XXXX ( Cancellation of Debt ). Collection accounts listed under XXXX and XXXX ( XXXX XXXX ) also contain balances that are unverifiable. Reporting these items violates FCRA 611 ( 15 U.S.C. 1681i ), which allows consumers to dispute inaccurate information, and FCRA 623 ( b ), which requires furnishers to conduct a reasonable investigation. Unauthorized inquiries from XXXX XXXX ( XX/XX/year> ) and XXXX XXXXXXXX XXXX XXXX XX/XX/year> ) are also present. These inquiries were not authorized and violate FCRA 604 ( a ), which strictly limits permissible purposes for accessing a consumers credit report.Because these accounts, collections, and inquiries are inaccurate, unverifiable, or unauthorized,

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 2025-11-13 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 sending this complaint because the credit report currently on file contains inaccurate and unverifiable information that is negatively affecting my creditworthiness and must be removed immediately. Under the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute and request the removal of any information that can not be verified as accurate. My report lists addresses that I have never resided at, including XXXX XXXX XXXX, XXXX, GA and XXXX Antler Rdg # NA, XXXX, GA. The inclusion of these false addresses violates FCRA 607 ( b ), which requires credit reporting agencies to maintain the maximum possible accuracy of all consumer information. Negative account information is also being reported inaccurately. Accounts with XXXX and XXXX XXXX XXXX are shown as late closed, despite having XXXX balances. My XXXX credit card is reported with an outstanding balance of {$5000.00}, even though it was legally forgiven and reported to the IRS via Form XXXX ( Cancellation of Debt ). Collection accounts listed under XXXX and XXXX ( XXXX XXXX ) also contain balances that are unverifiable. Reporting these items violates FCRA 611 ( 15 U.S.C. 1681i ), which allows consumers to dispute inaccurate information, and FCRA 623 ( b ), which requires furnishers to conduct a reasonable investigation. Unauthorized inquiries from XXXX XXXX ( XX/XX/year> ) and XXXX XXXXXXXX XXXX XXXX XX/XX/year> ) are also present. These inquiries were not authorized and violate FCRA 604 ( a ), which strictly limits permissible purposes for accessing a consumers credit report.Because these accounts, collections, and inquiries are inaccurate, unverifiable, or unauthorized,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALCAR INC.
State: KS

Complaint narrative:
I am filing a complaint about a personal loan with DR Bank ( loan originated through Upstart ) due to a significant discrepancy between the XXXX I understood at the time of application and the XXXX shown on the final contract. 

OnXX/XX/XXXX I completed an online loan application and electronically signed documents through XXXX. 
I believed I was agreeing to a loan with an XXXX close to 10 %. The platforms interface and preliminary estimates suggested a far lower cost of credit. 
Only after the loan was already active did I discover that the contract listed a 32.99 % XXXX, which is drastically higher than what I expected or understood at the time of signing. 

The loan contract states the following amounts : Amount Financed : {$12000.00} Origination Fee : {$1700.00} Principal Amount : {$14000.00} Finance Charge : {$13000.00} Total Payments : {$26000.00} Monthly Payment : {$430.00} for 59 months XXXX : 32.99 % I also reviewed the amortization schedule provided by the lender. 
Beginning on XX/XX/year>, each payment of {$430.00} allocates over {$300.00} toward interest, and only about {$120.00} {$140.00} toward principal, meaning that the vast majority of my early payments do not reduce the loan balance in a meaningful way.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: AR

Complaint narrative:
I previously submitted a dispute under the Fair Credit Reporting Act ( FCRA ) regarding several accounts, inaccurate addresses, and unauthorized inquiries currently reported on my credit report. The addresses in question include XXXX XXXX XXXX XXXX, XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, AR XXXX ; and XXXX XXXX, XXXX XXXX, AR XXXX. The accounts reported include XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$1800.00}, XXXX XXXX XXXX with original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$84.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$6400.00}, XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX XXXX and XXXX XXXX XXXXXXXX XX/XX/XXXX. These items appear to be inaccurate, outdated, or unauthorized, and despite my previous dispute submissions, I have not received any verification, explanation, or correction from the credit reporting agency. The continued reporting of these inaccuracies is negatively affecting my creditworthiness and may violate FCRA reinvestigation requirements.

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 2025-11-13 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: AR

Complaint narrative:
I previously submitted a dispute under the Fair Credit Reporting Act ( FCRA ) regarding several accounts, inaccurate addresses, and unauthorized inquiries currently reported on my credit report. The addresses in question include XXXX XXXX XXXX XXXX, XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, AR XXXX ; and XXXX XXXX, XXXX XXXX, AR XXXX. The accounts reported include XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$1800.00}, XXXX XXXX XXXX with original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$84.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$6400.00}, XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX XXXX and XXXX XXXX XXXXXXXX XX/XX/XXXX. These items appear to be inaccurate, outdated, or unauthorized, and despite my previous dispute submissions, I have not received any verification, explanation, or correction from the credit reporting agency. The continued reporting of these inaccuracies is negatively affecting my creditworthiness and may violate FCRA reinvestigation requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In XXXX, I disputed and had multiple inaccurate personal details ( names, addresses, phone numbers, and employers ) removed from my credit reports with the credit bureaus. These items have recently reappeared without any notice of reinsertion, which violates FCRA 611 ( a ) ( 5 ) ( B ). 

Several negative and collection accounts are also reporting with conflicting dates, inconsistent balances, and inaccurate payment histories. Some accounts appear to be associated with personal information that I previously disputed and had removed. I requested reinvestigations, but the bureaus continue to report information that is inaccurate or can not be verified. 

I have submitted updated disputes to each credit bureau, requesting deletion of all inaccurate or unverifiable items. Despite this, the bureaus continue to report the same errors. I am requesting the CFPBs assistance to ensure the credit reporting agencies comply with FCRA 602, 607, and 611, remove reinserted items that lack the required notice, and delete all unverifiable or inaccurate accounts.

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 2025-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: DOLLAR MUTUAL BANCORP
State: PA

Complaint narrative:
We recently sold our house and found an item we would like to pull cash for to purchase on XXXX my wife called our local bank the manager said he couldn't give us that much cash we planned on going too several banks and make smaller withdrals we were going to get XXXX from our local bank then XXXX from another farther away and as many as needed till we got the full amount went to the local bank got the XXXX my wife called the other they said they don't do business that way we had to wait for the money transfered in today my local bank called said the money was being transfered at the same time my wife got a call from the security dept. she explained what we were doing with the money i got off the phone with my local bank and talked to the girl in the security dept. she wondered what we were doing with the money I told her it was personal it is my money she said since i wouldn't give her any information about the transaction she was locking my account now we can't even get money out to buy grocery 's all of this because they want to know what i am doing with my own money PLEASE HELP US

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: MD

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. 
With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: NY

Complaint narrative:
I am submitting to formally dispute several inaccurately reported items on my credit report. These entries include inaccurate addresses, employer information, collection accounts, late payments, charge-offs, and multiple inquiries that appear to contain errors, incomplete information, or unverifiable data. I request a full investigation into the accuracy of these items and their removal if they can not be fully verified. 
XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXXXXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXXXXXX XXXX Date Updated : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$640.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX * * * Balance : {$140.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$65.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information I believe is inaccurate or incomplete. All information reported must be complete and accurate, and unverified items must be removed. Specifically : FCRA 611 ( 15 U.S.C. 1681i ) requires that I be able to dispute information and request a reasonable investigation. FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) obligates credit reporting agencies to ensure the maximum possible accuracy of the information they report. FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) requires data furnishers to report accurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
To Whom It May Concern : I am writing to file a formal complaint against USAA Federal Savings Bank regarding their failure to provide provisional credit and their mishandling of multiple unauthorized transactions following a security breach. 

I currently have four open disputes with USAA totaling approximately {$3000.00}. A USAA representative informed me that my account security had likely been compromised. Per their instructions, I promptly reviewed the disputed transactions and confirmed that they were not authorized. Despite this, more than 10 days have passed, and I have not received the provisional credit required under Regulation E ( 12 CFR 1005.11 ).

On the day I am submitting this complaint, a USAA representative contacted me to discuss the ongoing security concerns. After nearly an hour on the phone, the representative abruptly disconnected the call. When I attempted to call back, I discovered that USAAs offices had already closed, leaving the matter unresolved.

Due to these ongoing issues, my bills are now behind, and I am facing financial hardship caused by USAAs failure to follow Regulation E timelines and procedures. While USAA claims to safeguard its members, I feel that I have been treated unfairly and left without protection after doing everything I was asked to do.

I respectfully request that the CFPB ensure that : 1. USAA issues the required provisional credit for the disputed transactions in accordance with Regulation E.

2. USAA conducts a full investigation into the unauthorized activity and verifies that my accounts are secure.

3. USAA communicates clearly and promptly regarding the status of the investigation and any steps being taken to prevent further compromise.

Thank you for your time and attention to this matter. I am happy to provide supporting documentation, including dispute reference numbers, account details, and correspondence with USAA, upon request. 

Sincerely,

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 2025-11-13 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: AR

Complaint narrative:
Good day, I am writing to follow up on my previous letter where I requested the three credit bureaus to remove the remaining fraudulent items from my credit report. I am sending this letter to ensure that Experian, XXXX, and TransUnion credit bureaus will indeed remove the items listed below. Additionally, I would like to express my gratitude for removing some of the fraudulent items from my credit report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : $ {$0.00}

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 non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute a fraudulent hard inquiry from XXXX XXXX  XXXX that appears on my credit report. I did not authorize this inquiry, I did not apply for credit with XXXX  XXXX XXXX, and this inquiry was the result of identity theft. 
This item violates multiple sections of the Fair Credit Reporting Act ( FCRA ). Please apply the correct identity-theft dispute codes and remove the inquiry immediately. 

FCRA 611 Duty to Investigate & Delete Unverifiable Information You must conduct an investigation and delete any information that can not be verified as authorized by me. 

XXXX  XXXX XXXX Hard Inquiry Date of Inquiry : XX/XX/year> This inquiry is fraudulent, unauthorized, and must be deleted immediately. 
Please send me an updated copy of my TransUnion credit report once the investigation is complete and the inquiry has been removed. 
Thank you for your prompt attention.

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