vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 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: FL

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-12-15 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: NC

Complaint narrative:
I recently opened a XXXX  account on XX/XX/XXXX and received {$140.00} from a friend. On XX/XX/XXXX I tried to add a bank account and kept receiving a try again later error. I tried to contact support via chat around XXXX, who advised me to call support. I called multiple times and was unable to reach someone who could help me verify my identity. It was generative AI who did not understand the issue and would not put me in touch with someone who could help. I tried to use the AI chat bot again and it looped the same message that did not apply to my situation until I was forced to end the chat. The XXXX  app is saying my identity verification failed and there is no one who can assist me in either verifying my identity or getting a bank account added. They are holding my money with no way to contact a person who is not AI who can assist me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute inaccurate and unauthorized information appearing on my TransUnion consumer credit report as a result of known data breach exposure and failures in your reporting procedures. Under the Fair Credit Reporting Act ( FCRA ), TransUnion is legally required to ensure that all information reported is accurate, complete, and fully verifiable. 
The following account is being disputed due to lack of authorization, questionable accuracy, and inability to verify lawful reporting : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2025-12-15 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: CA

Complaint narrative:
I discovered incorrect 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 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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I am submitting this complaint regarding multipleinaccurate, outdated, and unverifiable accounts that I have identified on my credit report. These inaccuracies are negatively affecting my creditworthiness and financial opportunities. This violates FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ), which require consumer reporting agencies to ensureaccuracy and proper verification.

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 2025-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am submitting this complaint regarding Citibanks failure to properly and timely process my Servicemembers Civil Relief Act ( SCRA ) request despite receiving my valid military orders. 
On XX/XX/2025, I submitted my military orders to Citibank via their designated email and online submission process. These orders qualify me for SCRA protections under 50 U.S.C. 3937, including a maximum 6 % interest rate cap, retroactive adjustment, and removal/refund of excess interest and applicable fees during my covered period of military service.

Despite confirmation that my documents were submitted, Citibank has failed to process my SCRA request within a reasonable time, has not issued a written determination, and continues to charge interest and/or fees in excess of the SCRA limit .

This delay and lack of action place an unfair financial burden on me and are inconsistent with federal law. Financial institutions are required to promptly apply SCRA protections once valid military orders are received.

Company Name Citibank Account Information Account ending in : XXXX Last XXXX of 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 2025-12-15 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: NC

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-12-15 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: WA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am a Texas consumer located in XXXX. My Capital one account was closed with a remaining balance and has not been charged off. Capital One still owns the debt. I am currently experiencing financial hardship with no source of income. I contacted Capital One requesting hardship assistance, fee relief, or a reasonable repayment or resolution option to address the balance, and I was told they have nothing to offer. I am not refusing to pay ; I am requesting a hardship consideration or written clarification of available options for closed accounts under financial hardship. I am asking for executive or hardship review of this matter. I called in today XXXX XXXX at XXXXXXXX XXXX and spoke with XXXX in the collections department and called back spoke with another manger and was told there's nothing they can do to help with fees or reducing the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Concord Servicing Corporation
State: TN

Complaint narrative:
This complaint concerns prolonged servicing and communication failures related to a XXXXXXXX XXXX XXXX loan, serviced at different times by Blackwell Recovery and Concord Servicing LLC XXXX 

The loan originated in XX/XX/XXXX. A balloon payment became due in XX/XX/XXXX. Prior to that due date, I did not receive billing statements, payment instructions, or delinquency notices by mail, email, or phone. I later learned that incorrect or missing contact information was associated with my account, including an email address I have never used, while other parties stated no email address was on file at all. 

In XX/XX/XXXX, I was first contacted by XXXX XXXX regarding the alleged delinquency. I promptly requested full debt validation and clarification regarding who owned and serviced the loan. XXXX took approximately one year to provide partial documentation, which did not fully address my requests. On XX/XX/XXXX, XXXX confirmed in writing that the account was no longer placed with them and had been returned to XXXX. 

Between XXXX and XX/XX/XXXX, I made repeated written and phone inquiries to XXXX and Concord seeking confirmation of the current servicer, a complete loan and billing breakdown, confirmation of correct contact information, and clarification of late fees. During this time, Concord stated that no email address was associated with my account, while XXXX correspondence reflected an incorrect email address that does not belong to me. 

On XX/XX/XXXX, I spoke directly with Concord, who confirmed that Concord is the loan servicer and XXXX is the loan owner, that I was not enrolled in paperless billing, and that requests for late fee waivers could be submitted in writing. Despite this, I continued to receive billing statements from XXXX reflecting late fees. 

On XX/XX/XXXX, XXXX confirmed in writing that the account was under investigation and that no additional late fees or interest would accrue during the review. I later provided an updated mailing address, and on XX/XX/XXXX, XXXX again confirmed in writing that the review was ongoing and that fees would not accrue during this period. 

Despite these assurances, I continue to receive automated billing statements reflecting late fees, and the investigation has remained unresolved for an extended period. I have made good-faith efforts over several months to obtain complete verification and resolve this matter, but conflicting servicing information, incorrect contact data, delayed responses, and continued billing during an active investigation have prevented resolution. I am requesting regulatory assistance to ensure proper servicing, accurate account information, and fair treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC
State: NJ

Complaint narrative:
I am filing a complaint regarding unfair billing practices and inaccurate credit reporting by Concora Credit XXXX Indigo Mastercard. 

My Indigo account had a {$0.00} balance prior to XX/XX/year>. Without clear advance notice, a {$99.00} annual fee plus a monthly maintenance fee posted to the account, creating a sudden balance of {$100.00} on a card with a {$300.00} credit limit. This balance was not the result of spending or revolving debt. 

The fee-only balance was reported mid-cycle to the credit bureaus, causing an artificial utilization spike and immediate credit score damage across XXXX, XXXX, and XXXX. I paid the balance in full the same day it posted ( XX/XX/year> ), returning the account to a {$0.00} balance. 

Reporting a temporary fee-only balance as revolving utilization misrepresents my actual credit behavior and disproportionately harms consumers with low-limit cards. This practice does not accurately reflect risk and caused unjustified credit score declines despite immediate payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I did not sign no contract with this limited liability company trying to collect this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: TX

Complaint narrative:
In accordance with fair credit reporting act this creditor has violated my rights under 15 U S C 1681 section 602. States I have the right to privacy 15 USC 1681 section 604 section 2 it states a consumer reporting agency can not furnish an account without my written Instructions. Under 15 USC 1666B creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with fair credit reporting act this creditor has violated my rights under 15 U S C 1681 section 602. States I have the right to privacy 15 USC 1681 section 604 section 2 it states a consumer reporting agency can not furnish an account without my written Instructions. Under 15 USC 1666B creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

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 2025-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: MS

Complaint narrative:
ALDOUS is falsely reporting on my credit. I have never had any accounts with them. Per my research ALDOUS 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 2025-12-15 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: CITIBANK, N.A.
State: GA

Complaint narrative:
This is the second time in a week I voiced a complaint it just keeps getting worse Citi bank might have the most vile and worst Customer Service I've ever experienced such a simple simple remedy to this they claim they couldn't text to confirm my information to me even though everybody else texts me I did get a call back over the weekend from a XXXX area code claiming they're sorry for the inconvenience and to call back but when I call back the number did not accept incoming calls! 
I called a different XXXX number this morning I find out they blocked my account I can't even go in on my app that I loaded Something needs to be done about this company I've had many different cards in my life I've never experienced anything like this in my life I wanted to use the card during XXXX season now they said they're gon na mail out a letter to me in the mail to confirm that I am the person that they're speaking to on the phone!. Someone needs to be held accountable for this there's a language barrier when I call I know it's outsource to a place in XXXX or somewhere maybe that's the issue? I'm sure they're saving a lot of money that way I wouldn't recommend this Citi bank to anyone

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 2025-12-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC
State: FL

Complaint narrative:
I have made a series of payments as directed by Selene Finance to address the past-due amounts for XXXX, XXXX, and XX/XX/year>. I was repeatedly advised by multiple representatives that upon fulfilling these payment obligations, the demand letter would be nullified. 
Below is a detailed timeline of my communications and actions taken : Timeline of Events and Payments : XX/XX/year> : XXXX payment ( {$2000.00} ) made, same day the default letter was generated. 

XX/XX/XXXXXXXX XXXX XXXX XXXX : Spoke with representative " XXXX, '' who confirmed the demand letter would be canceled because the XXXX payment was made on the letter 's generation date. 

XX/XX/year> : Spoke with representative " XXXX, '' who confirmed XXXX provided incorrect information and established a payment plan. XXXX assured me the plan would prevent enforcement of the default letter. 

XX/XX/year> : XXXX payment ( {$2000.00} ) made as per plan. 

XX/XX/year> : XXXX payment ( {$1200.00} ) made as per plan. This fulfilled the past-due amount specified in the original demand letter prior to the stated XX/XX/XXXX deadline. 

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  : Repeated calls regarding the XX/XX/XXXX payment showing in suspense. Representative " XXXX '' and " Patches I believe '' confirmed the payment needed manual application and assured me the demand letter would be canceled. 

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) : XXXX XXXX confirmed on their end that the funds were pulled from supsence and had been applied and the demand letter was canceled. 

XX/XX/year> Spoke to XXXX XXXX and she assured me that even thought the last payment still showed in suspence that the payments had cured the default letter and no further actions would be taken. 

XXXX XXXX XXXX  Logged into my account and found that I no longer have the ability to pay on line and that the last payment made on the XXXX were still showing in suspence. 

XX/XX/year> ( Scheduled ) : Final payment for current XXXX dues ( {$1200.00} ). 

Also to be noted is that my mortgage payments are due on th XXXX of the month and not on the XXXX of the month as most are. 

Total Payments Made to Clear Default : XXXX Payment : {$2000.00} XXXX Payment : {$2000.00} XXXX Payment : {$1200.00} Total Paid towards past due : {$5400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: FL

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: MO

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
THE REPORTING AGENCY HAS DEMONSTRATED A PATTERN OF SYSTEMIC NEGLIGENCE AND FAILURE TO MAINTAIN REASONABLE COMPLIANCE PROCEDURES AS REQUIRED UNDER 15 U.S.C. 1681E ( A ) AND 1681E ( B ). IT IS CLEAR THAT THIS ENTITY DOES NOT HAVE ADEQUATE INTERNAL CONTROLS, AUDIT TRAILS, OR SUPERVISORY PROCEDURES IN PLACE TO ENSURE LEGAL ACCURACY AND COMPLIANCE. 

THE AGENCYS RESPONSES TO DISPUTES ARE AUTOMATED, UNSUBSTANTIATED, AND DEVOID OF HUMAN REVIEW INDICATING THAT NO REASONABLE INVESTIGATION OCCURRED. SUCH AUTOMATION, WHEN IT RESULTS IN THE CONTINUED REPORTING OF KNOWN INACCURACIES, AMOUNTS TO RECKLESS NONCOMPLIANCE AND BAD FAITH OPERATION UNDER THE FCRA. 

MOREOVER, THERE IS NO EVIDENCE THAT THE AGENCY HAS PROVIDED TRAINING OR OVERSIGHT TO PERSONNEL RESPONSIBLE FOR HANDLING CONSUMER DISPUTES, NOR HAS IT IMPLEMENTED ADEQUATE SAFEGUARDS TO PREVENT REPEATED ERRORS OR IMPROPER DATA HANDLING. 

THIS PATTERN OF NONCOMPLIANCE VIOLATES THE CORE PRINCIPLES OF CONSUMER PROTECTION, FAIR DATA USE, AND DUE PROCESS AND DEMONSTRATES A DELIBERATE FAILURE TO UPHOLD FEDERAL REPORTING STANDARDS.

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 2025-12-15 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Model Finance Company
State: GA

Complaint narrative:
Model finance has contacted multiple relatives, employers and has harassed me multiple times about there motorcycle. I have told them multiple times to come pick the bike up. They have refused and continued to report negative payment history to my account.

Company response to consumer: Untimely response