vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Kubota North America Corporation
State: MS

Complaint narrative:
i submitted to kubota the following by phone call and email : NOTICE OF HARDSHIP RIGHTS AND COMPLIANCE REQUEST Re : temporary Income Interruption Due to XXXX XXXX Kubota Credit XXXX, This letter provides formal notice of a documented hardship and requests a temporary payment modification on my equipment finance account XXXX. My business revenue is tied to federal contracts. The current XXXX federal government shutdown has halted payment on those contracts and created a temporary interruption in cash flow. 

Request for XXXX XXXX Kubota Credit XXXX has represented in its Consumer Financial Protection Bureau ( CFPB ) filings and complaint responses that borrowers may request hardship review when experiencing temporary loss of income. These accommodations may include : Short-term deferment Payment extension Interest-only payment period Temporary modified payment schedule I am submitting a documented hardship request and asking for temporary modification until federal payments resume. 

Request for XXXX Credit Reporting XXXX Under XXXX Credit Reporting Resource Guide standards used by Experian, Equifax, and TransUnion , when a borrower has submitted a documented hardship request and the lender is reviewing that request, the account may be coded to reflect hardship/forbearance status. This is the correct reporting treatment for a temporary, documented interruption outside the borrowers control. 
I am requesting that : XXXX. No negative credit reporting be made while my hardship request is under review, and XXXX. If a temporary modification is approved, the account be reported under the applicable XXXX hardship or accommodation coding. 
Request for Written Response Please provide a written response stating : Whether Kubota Credit will review this hardship request What modification options are available If denied, the written reason for denial Whether any partial or temporary payment arrangement is acceptable I remain willing to provide documentation of pending federal contract payments and intend to keep the account in good standing once federal operations resume. 

kubota refuses to accommodate my request

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
In reviewing my credit reports, I discovered that Equifax, Experian, Transunion is reporting a late payment for my account with XXXX XXXX XXXX Account Number : XXXX. The report shows a payment as late on or about XX/XX/XXXX- XX/XX/XXXX. I have never been 30 days late on this account. My records show that the payment in question was made on time, and I have attached copies of my statements and payment confirmations. Same with XXXX XXXX Account Number : XXXX The report shows a payment as late on or about XX/XX/XXXX. I have never been 30 days late on this account. My records show that the payment in question was made on time, and I have attached copies of my statements and payment confirmations.

I contacted Equifax, Experian, Transunion to dispute this late-payment entry and requested verification. The bureau failed to provide any dated records or documentation showing that my payment was actually late. Instead, I received a generic verification stating that the account was reported accurately. This response did not include any evidencesuch as billing statements or account historiesshowing that a late payment occurred. I also asked the bureau to mark the account as disputed and to notify the furnisher of my dispute, but I am not aware that either action was taken.

Under the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute incomplete or inaccurate information in their credit files, and credit reporting agencies must conduct a reasonable investigation and correct or delete any unverifiable or inaccurate information. Furnishers of information must investigate disputes and modify, delete or permanently block information that is inaccurate or can not be verified. Additionally, the Fair Credit Billing Act requires creditors to investigate billing disputes and prohibits them from reporting delinquent amounts that are subject to a billing dispute until the investigation is completed. Equifax, Experian, Transunion is reporting a late payment that is inaccurate and has not been verified with documentation. This inaccurate information is harming my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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:
I am a consumer who is working to improve my credit and I am disputing the following inquiries listed on my credit report with TransUnion : XXXX - Date : XX/XX/year> XXXX  XXXX - Date : XX/XX/year>

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 2025-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. they didn't follow the proper XXXX validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. This is a very stressful situation and I feel So violated and its taking a toll on me mentally.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, AL XXXX XX/XX/year> Portfolio RC XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX Subject : Request for Debt Validation Dear Sir/Madam, I am writing to request validation of the debt that Portfolio RC claims I owe. According to the information I have, the amount in question is {$1100.00}. 

In accordance with the Fair Debt Collection Practices Act, I request that you provide me with the following information : 1. Proof that I am indeed the party responsible for this debt.

2. The name of the original creditor.

3. A detailed statement of the amount owed, including any interest or fees.

4. Documentation showing that Portfolio RC is authorized to collect this debt.

Please provide these documents within XXXX  days of receiving this letter. Until such validation is provided, please cease all collection activities.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX  days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, XXXX, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Opened the account XX/XX/XXXX, funded account through savings account from XXXX, account was restricted XX/XX/XXXX, called them to provide information to release the hold, account was funded but restriction never lifted, attempted to make external transfer and was not able, called on XX/XX/XXXX and provided all information to banker on the phone and was told to give them a few business days but could not provide timeline, called again XX/XX/XXXX for update, banker could not provide XXXX, asked to speak to supervisor, supervisor said they would expedite it and would be done in XXXX days, called back XX/XX/XXXX and was told it was still being investigated and could not provide timeline or any information and there was no one I could speak with, called back XX/XX/XXXX was told there was no information and no one I could speak with but that it could now take up to XXXX days due to further investigation but could not provide any information as to why there was further investigation or anyone I could speak to. I informed the banker that I needed this money as of the XXXX of XXXX to pay bills, and was now over a week late on everything. withholding this money is causing severe financial and emotional distress.

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 2025-11-07 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: IL

Complaint narrative:
I am disputing the following items on my credit report under the " New Item '' section. The details are as follows : XXXXXXXX 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 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-11-07 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: GA

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXX XXXX -VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court ( XXXX XXXX XXXX ) that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXX XXXX -VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court ( XXXX XXXX XXXX ) that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am filing this formal complaint and appeal against Citibank for improperly denying my billing dispute on defective products and for a systemic failure of their customer service and dispute resolution processes under the Fair Credit Billing Act ( FCBA ).

1. Chronology of Administrative Chaos and Communication Breakdown The core of this issue is Citibanks complete failure to manage the dispute process and provide any effective human assistance : - Initial Intake ( Phone Call ) XX/XX/year> : I was unable to file the dispute via the app and was instructed to call. The initial representative mishandled the case intake, improperly entering the full charge of {$300.00} instead of the intended disputed amount of {$68.00}. The agent acknowledged the error and promised correction. A case under ID XXXX was opened under {$300.00} amount which they closed on XX/XX/year> and reopened case ID XXXX under amount {$68.00} on XX/XX/year>. 
- Block on Communication : The resulting active case ( ID ending in XXXX ) was completely inaccessible via the Citi app or online portal. When I called in repeatedly for a status update on this inaccessible case, the representatives, who were the only human contact point, hung up on me ( XX/XX/year> ). 
- Executive Channels Ignored : I sought urgent clarification and help by sending detailed emails to both XXXX and XXXX. I received no real person response from any XXXX or designated customer complaint channel. I have emailed them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and never received a human response. 
- Catastrophic Oversight Failure : Citibank first closed the Case ID XXXX on XX/XX/XXXX ( while I still have no access to this case ), stating I was " Customer Responsible. '' I appealed this denial via email, and the bank reopened the exact same Case ID ending in XXXX ( and gave me access to this case after reopening it, so I did not have access to this case from XX/XX/XXXX - XX/XX/XXXX despite I have requested access repeatedly ), only to close it again as " Customer Responsible. '' Denying the exact same claim twice demonstrates a failure of investigation and human oversight. 
- Unacceptable Case Management : Prior to the second denial of Case XXXX, Citibank then created a new case ID XXXX for a different amount, {$60.00} on XX/XX/XXXX, while closing the actively disputed Case ending in XXXX on XX/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 explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I wanted to reach out to explain a recent change in my credit reports. 
Yesterday, XX/XX/year>, I received alerts from all three credit bureaus notifying me that my scores had decreased. Specifically : XXXX  : decreased by XXXX points TransUnion : decreased by XXXX points Equifax : decreased by XXXX points After reviewing the reports, I found that the creditors have been reporting to the bureaus multiple times per monthless than 30 days apartwhich has caused inconsistencies in my reports. Ive been disputing these issues with the bureaus for a little over a month. I submitted direct disputes with the credit bureaus. 

Previously, TransUnion and Equifax had each reduced my score by XXXX or more points, and after filing that initial dispute, the points were not restored. However, following this new 30-day delinquency report, those same points were again deducted, while XXXX  decreased by XXXX points. When I contacted the creditor, they informed me that they only report the data and do not control how the scoring is calculated. 

I am submitting another formal dispute to the CFPB because I believe this recent reporting may be retaliatory in nature, linked to my previous complaint. The decrease in credit score should be consistent for all bureaus ; this change should not be this drastic.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
The bank sent in the pay off amount on my loan, XXXX XXXX signed for it on XX/XX/XXXX The bank and myself both called almost daily looking for them to apply the money. Every time we were told that it takes time. 
On XX/XX/XXXX they finally called and said they found the money, its in another persons account, 4 days later they called and said they had it in my account and sent me a pay off letter dated XX/XX/XXXX, which is unfair as they had the money since the XXXX. 
They also told me on the XXXX they would expedite the title and send it fed ex next day to make up for all the problems. 
On Tuesday XX/XX/XXXX I called and was told sorry we mailed it out in XX/XX/XXXX regular mail. 
It is now XX/XX/XXXX and still no title. 
This is so unexceptionable there is no excuse for any of this, everything has been there mistake and I am paying for it!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I was in the process of paying off debts from closed XXXX XXXX accounts. In XX/XX/year>, I was no longer able to log in to my accounts to make payments. Shortly after, I received notice in the mail from XXXX XXXX that I was deceased. I contacted XXXX XXXX and they were able to remove the deceased marking and said I can resume payment with them.The debt was then sent off to a debt collector. Now I am paying a debt collector instead of XXXX XXXX. This has hit my credit report as a serious delinquency, and has also caused my Equifax credit score to disappear.

Company response to consumer: Closed with explanation