vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 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: Porsche Financial Services, Inc.
State: CA

Complaint narrative:
I am submitting this formal complaint to PORSCHE FINANCIAL SERVICES regarding the inaccurate reporting of your account on my consumer credit reports with XXXX XXXX XXXX XXXX. The information furnished by your institution is being reported in a manner that is inaccurate, incomplete, and inconsistent across all reporting agencies, resulting in material harm to my credit profile. 

Under the FAIR CREDIT REPORTING ACT ( FCRA ), INCLUDING 15 U.S.C. 1681E ( B ), 1681I, AND 1681S-2, furnishers of information are required to ensure that all data reported is ACCURATE, COMPLETE, AND VERIFIABLE, and to promptly correct or delete any information that is inaccurate after receiving notice of a dispute. Additionally, the XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX REPORTING GUIDELINES require that all account information, including payment history and delinquency reporting, be accurate and consistent across all reporting fields. 

The account in dispute is PORSCHE FINANCIAL SERVICES ACCOUNT NO. XXXX ( DATE OPENED : XX/XX/year> ). The 30-DAY LATE PAYMENT for this account is reported INCORRECTLY and is inconsistent with my records. This reporting violates XXXX XXXX STANDARDS and fails to meet the FCRA REQUIREMENT OF MAXIMUM POSSIBLE ACCURACY, creating a misleading and materially inaccurate credit history. 

The furnishing of inaccurate late payment data constitutes a violation of federal law and industry standards. Information that is inconsistent between credit bureaus or can not be substantiated with competent evidence must be corrected or deleted and can not lawfully continue to be reported. 

The continued reporting of these inaccuracies by PORSCHE FINANCIAL SERVICES, despite notice of dispute, demonstrates noncompliance with U.S. FEDERAL LAW, the FAIR CREDIT REPORTING ACT, and applicable INDUSTRY REPORTING STANDARDS. As a data furnisher, your organization bears an ongoing duty to ensure that all information reported is accurate, complete, and properly verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX What happened : I am submitting this complaint regarding inaccurate, inflated, and unauthorized debt charges being asserted by XXXX XXXX XXXX related to a former tenancy that ended approximately four years ago. 

Shortly after I vacated the apartment, XXXX provided a final move-out invoice reflecting a balance of approximately {$1800.00}. Highlighting their need to keep my security deposit. I disputed this amount at the time due to unexplained fees, missing payment credits, and unclear abbreviations, but this was the only balance ever documented directly by XXXX. Never acknowledging my security deposit or an explanation on every fee that with the alleged ( ex : other ) The alleged debt was placed with National Credit Systems, who began reporting a significantly higher balance of approximately {$4600.00}. I disputed this inflated amount with the credit bureaus and later through the CFPB, providing documentation including the original XXXX invoice. As a result of that CFPB dispute, the balance was reduced back to approximately {$1800.00}, confirming that the higher amount was inaccurate. 

Despite this prior correction, two days I unexpectedly received an email directly from XXXX XXXX XXXX four years after move-out attaching a new invoice again asserting a balance of approximately {$4600.00}. This amount mirrors the previously disputed and corrected collection balance and includes charges that are false and unauthorized. 

1. XXXX rent charges, despite my lease ending and my vacating the unit in XXXX. 
2. An eviction fee, even though I was never evicted, no eviction was filed, and no court action ever occurred. 
3. Numerous unexplained fees and abbreviations that were never disclosed, authorized, or supported by my lease. 
4. A complete contradiction of XXXX  own original move-out invoice and the corrected balance acknowledged after my prior CFPB dispute. 

CFBP staff please see the reviews another complaints with similar situations to highlight that this is not a one off. Its against the law. 

This balance was previously corrected after a CFPB dispute. The original creditor is now attempting to reassert a higher amount with charges that were never incurred or authorized. I owe this company {$0.00}. Im not interested in a refund on my security deposit because of the mental anguish Ive been through. I just want to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: CA

Complaint narrative:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit standing.

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 2025-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
Capitol one close my accounts without any type of notice right before the holidays and my direct deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BTH Management
State: OK

Complaint narrative:
PLAZA SERVIC is falsely reporting on my credit. I have never had any accounts with them. Per my research PLAZA SERVIC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: NV

Complaint narrative:
THE COLLECTION ACCOUNTS LISTED ON MY CREDIT REPORT WERE NOT OPENED OR AUTHORIZED BY ME. I HAVE NO AFFILIATION WITH, NOR RESPONSIBILITY FOR, THESE ACCOUNTS. THESE ENTRIES ARE INACCURATE AND UNVERIFIED.

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 2025-12-29 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: SC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
On XX/XX/year>, I attempted to update the email address associated with my XXXX ( Paypal Inc. ) account. During the email verification process, I accidentally clicked the " Report '' link in the automated verification email instead of the " Confirm '' link. This was a user interface error on my part and not a report of actual unauthorized activity. 

As a result, XXXX has frozen my account, which contains a balance of {$820.00}. I have contacted XXXX support via both live chat and telephone to clarify that this was a " false positive '' report and that I am the authorized account owner. I offered to undergo immediate identity verification ( ID upload, SSN verification, etc. ) to resolve the issue, on top of emailing them all of the required documents, which they confirmed they have received. 

XXXX customer support representatives have refused to escalate my case to an Account Specialist, claiming they only have the ability to " email '' the back-office team. They have informed me of a 3-5 business day waiting period before my funds will be reviewed. This is an unreasonable withholding of my personal funds for a self-reported non-security event and have the right to immediate unfreezing of account and restoration of access to funds.\ My Case ID is : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Credit Karma, LLC
State: CA

Complaint narrative:
2 days ago I applied for a card that I had outstanding approval odds for, I was then denied and was given a negative mark on my report. I messaged them and tried to understand. I have been using this company for 6 years now and never gotten a denial when applying for an outstanding odds. So I applied for it. I let that go because I didnt know about the disclosure that they really dont have a good rating system and to not go with that in the future. Then today I go back on cause I got a notification. I then started scrolling around to see what was going on and I come across a section that says you have XXXX cards that have 0 % offers that are outstanding. I click on it and those offers are no where in that section. So I think wait are they using AI and there model is XXXX everything up? So I go on help to find out. I do this so I can decide weather to delete the app or so I can inform them that its changed from 6 years ago and they just ignore me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
[ Short Summary of the Problem ] On XX/XX/year> I received an adverseaction notice from XXXX c/o OneMain Financial stating only that my credit score does not meet our minimum requirement and listing generic keyfactor bullets. The notice failed to provide specific and accurate principal reasons as required by Regulation B, omitted the Appendix C righttorequest disclosure, and failed to provide meaningful creditscore disclosures required by FCRA/Regulation V. I mailed a demand for cure via certified mail on XX/XX/year> ; USPS shows delivery and recipient signature on XX/XX/year>. 

[ Detailed Description of Events and Legal Basis Facts : ] I applied for a XXXX dental loan on XX/XX/year>. 

XXXX issued an adverseaction notice dated XX/XX/year> ( Ref. # XXXX ). The notice states : Credit score does not meet our minimum requirement and lists XXXX boilerplate key factors. It provides a single numeric score ( XXXX ) and a generic score range ( XXXX ) but does not identify the controlling bureau score, the score product name, the score date/time stamp, or tie the key factors to specific tradelines. The notice also states the consumer reporting agency played no part and is unable to supply specific reasons. 

I sent a demand letter on XX/XX/year> requesting compliance with ECOA/Regulation B and FCRA/Regulation V ; certified mail was delivered XX/XX/year> ( return receipt attached ). 

[ Why this is unlawful : ] Regulation B requires an adverseaction notice to specifically and accurately indicate the principal reason ( s ) for denial and to include the Appendix C righttorequest disclosure and contact information. The notices single conclusory phrase and boilerplate bullets do not identify the principal underwriting reasons, cutoff scores, score bands, or whether human overrides or compensating factors were considered. The notices language shifting responsibility to the consumer reporting agency is misleading and fails to satisfy the creditors duty to provide reasons. 

FCRA/Regulation V requires that when a credit score is used the creditor disclose the score, score range, date, source, and up to XXXX meaningful key factors tied to the consumer report data. The notices key factors are generic and not tied to specific tradelines or to the score ( s ) that controlled the decision. If proprietary or blended scores or thirdparty models were used, those must be disclosed. 

[ Harm : ] I was denied credit without a clear, actionable explanation, preventing me from understanding and correcting the specific issues that affected eligibility. The deficient notice obstructs my ability to verify the accuracy of the information used and to meaningfully exercise my rights under ECOA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAINE & WEINER COMPANY, INC.
State: SC

Complaint narrative:
I submitted a formal written dispute to XXXX  regarding several accounts that are being reported inaccurately, incompletely, or without proper verification. USPS tracking confirms that XXXX  received my dispute packet, which included my identification, proof of address, and highlighted pages of the disputed tradelines. 

Under the Fair Credit Reporting Act ( FCRA 609, 611, and 623 ), XXXX  is required to conduct a reinvestigation, obtain verification directly from the furnisher, and provide the results within 30 days. If the information can not be verified, XXXX  must update or delete the tradeline. 

XXXX  did not provide any investigation results or updates within the 30-day timeframe. 
They did not verify the information, did not send reinvestigation findings, and did not correct or remove the disputed tradelineseven though several furnishers have not supplied any supporting documentation and can not validate the reported information. 

The affected tradelines include : XXXX XXXX reporting inconsistencies and inaccurate late payment history after the account was closed. 
XXXX XXXX XXXX reported as a charge-off without any validation from the furnisher. 
XXXX XXXX reported as a collection without supporting documents or DOFD. 
Caine & Weiner ( Progressive ) reporting dates inconsistent with alleged debt ; no documentation provided. 
XXXX XXXX / XXXX missing the required Date of First Delinquency. 
XXXX XXXX XXXX previously disputed ; XXXX  marked consumer disagrees but furnisher provided no proof. 
XXXX XXXX XXXX XXXX XXXX multiple years of reporting with no supporting statements or proof of liability. 

Because XXXX  failed to complete the reinvestigation, failed to respond within the 30-day statutory window, and failed to obtain verification from the furnishers, the information is now considered unverified under FCRA 611 ( a ) ( 1 ) ( A ) and must be deleted under FCRA 611 ( a ) ( 5 ) ( A ). 

I am requesting CFPB assistance to ensure XXXX  deletes each unverified tradeline immediately. I have documentation confirming the dispute was received, along with proof that no investigation results were ever issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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 seeking the immediate removal of these fraudulent accounts from my credit report, as I did not authorize or recognize them. Under USC 1681g, I request their deletion within 15 days. Relevant supporting documentation is enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am submitting this formal complaint to WFBNA CARD regarding the inaccurate reporting of your account on my consumer credit reports with XXXX, XXXX, AND XXXX. The information furnished by your institution is being reported in a manner that is inaccurate, incomplete, and inconsistent across all reporting agencies, resulting in material harm to my credit profile. 

Under the FAIR CREDIT REPORTING ACT ( FCRA ), INCLUDING 15 U.S.C. 1681E ( B ), 1681I, AND 1681S-2, furnishers of information are required to ensure that all data reported is ACCURATE, COMPLETE, AND VERIFIABLE, and to promptly correct or delete any information that is inaccurate after receiving notice of a dispute. Additionally, the CONSUMER DATA INDUSTRY ASSOCIATION ( CDIA ) METRO 2 REPORTING GUIDELINES require that account status, charge-off information, and payment history be reported consistently and accurately across all fields and credit reporting agencies. 

The account in dispute is WFBNA CARD ACCOUNT NO. XXXX ( DATE OPENED : XX/XX/year> ). This account is reported with INACCURATE CHARGE-OFF AND PAYMENT HISTORY INFORMATION, and the reporting does not match my records. The inaccurate and inconsistent reporting violates METRO 2 STANDARDS and fails to meet the FCRA REQUIREMENT OF MAXIMUM POSSIBLE ACCURACY, creating a misleading and materially inaccurate credit profile. 

The furnishing of inaccurate and inconsistent information constitutes a violation of federal law and industry standards. Information that varies between credit bureaus or can not be substantiated with competent evidence must be corrected or deleted and can not lawfully continue to be reported. 

The continued reporting of these inaccuracies by WFBNA CARD, despite notice of dispute, demonstrates noncompliance with U.S. FEDERAL LAW, the FAIR CREDIT REPORTING ACT, and applicable INDUSTRY REPORTING STANDARDS. As a furnisher of consumer credit information, your organization bears an ongoing duty to ensure lawful, accurate, and consistent reporting.

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 2025-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: WEBULL PAY HOLDINGS (US) INC
State: TX

Complaint narrative:
I opened a Webull account in XXXX with an initial investment of approximately XXXX XXXX XXXX0.00}. I have since attempted to access my account multiple times but can not remember my password. 

In XXXX XXXX and XX/XX/XXXX I sent emails to Webull support requesting assistance to reset my password. I also attempted to contact Webull by phone multiple times, but received no response.

The bank originally linked to my account is now closed, so I can not use it for identity verification. I requested that Webull perform manual verification to restore my access or allow me to withdraw my funds.

Despite these actions, Webull has not responded, leaving me unable to access my account or funds. 

Action Taken/ Requested : Emails sent : XXXX XXXX And XXXX years Phone calls : Every single day without any answer Requested manual verification and account recovery Submitted complaint to CFPB for resolution I am requesting that Webull respond immediately to restore access to my account or provide a method to withdraw my funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: OH

Complaint narrative:
I am writing as a consumer to dispute several items on my Equifax credit report. I request that these accounts and inquiries be investigated and corrected or removed if inaccurate. 

XXXX. Previous Address The listed previous address on my report is incorrect and does not reflect my actual history. Please verify and update as needed. 

XXXX. Charged-Off Accounts CXXXX 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 XXXXXX/XX/XXXX, {$0.00} These accounts contain inaccuracies regarding balances, status, and reporting. Please validate these items and correct any discrepancies. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were not authorized. Please remove any inquiries that lack my consent. 

XXXX. Late Payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I dispute these late payment entries as they are inaccurate. Please investigate and remove any erroneous items. 

I request that Equifax complete the investigation under the Fair Credit Reporting Act and provide written confirmation of any corrections made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: CA

Complaint narrative:
I discovered fraudulent accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
I had originally submitted a CFPB complaint to this company and on the credit company for not verifying the account properly. The company replied false to the CFPB complaint by lying about receiving the debt validation letter I originally sent to them. They also never responded or validated the debt. If their debt can not be properly verified by the debt collector for XXXX it should be removed all together. If it is not I will be contacting the FTC, and the Florida state attorney general 's office on next recourse actions.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation