vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-19 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: FL

Complaint narrative:
As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and the FCRA standards of reporting. 

The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 

Account Name : XXXX # XXXX - Opened on XXXX XXXXXXXX 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 2025-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Today, XX/XX/year>, I tried to access my Chase Bank account online, but unsuccessfully. First, I entered my User Id and password. The Second Step was to request a code via my telephone. Upon receiving the code, I entered it. But, then Chase implemented a Third Step Verification with a message on screen to call another number XXXX to again verify my identity. The XXXX  AI wanted my full social security number, my account number, security code, address, date of birth. Of course, I will NOT give all that information to a XXXX  AI program. So, I am unable to make a payment on my card. The problem is that GREEDY XXXX  CEO XXXX XXXX pontificates about non-Chase matters, he allows his employees to XXXX  implement a Third Step Verification, causing more tasks and great XXXX  among the public. XXXX XXXX should concentrate on getting Congress to imprison scammers and fraudsters, rather than adding more Verification Steps. Next year will Chase add a FOURTH VERFICATION STEP XXXX XXXX? Bankers are greedy, XXXX  the American public. Rather than suffer multiple steps, I will no longer use any of my Chase accounts. Local credit unions are better.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Asked company to apply my tax exempt documentation and was denied

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 2025-04-19 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: WI

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX  XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$1600.00} XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: AZ

Complaint narrative:
I am requesting that the late payment be removed from my credit report as reported by aidVantage. I have contacted them to request they contact the credit bureaus but they have refused, ignored and been belligerent with me. They have done me serious harm for something that is entirely their fault. 

They took my student loan from XXXX and even though XXXX had my correct, updated information, aidVantage was contacting dramatically outdated addresses, emails and I have no idea what phone number, if any, they had. 

So I had NO idea that my previously deferred loan was with this new company, was no longer deferred, and payments were due until XXXX XXXX alerted me to a XXXX point drop in my credit. In a couple days I paid everything outstanding and brought it to date and tried to find out what happened. 


In short, aidVantage was sending mail to addresses from XXXX on XXXX XXXX in XXXX. I lived in XXXX from XXXX through XXXX which I can prove, and have lived at XXXX addresses after this. I now live at XXXX XXXX XXXX XXXX XXXX and have for over a XXXX  months. SO none of their mail was reaching me. In the attachment you will see XXXX was sending mail to my house at XXXX XXXX XXXX XXXX so aidVantage has no excuse to have used a XXXX XXXX XXXX address. 

I have attached proof that XXXX was mailing my current home and that any email to the address aidVantage claims they were using would have been bounced back to them- so that one they should have known was not being received. I also have attached proof that even my DL was at the address this company was using, so there is no reason for them to have using this old address.. 

Now my family could not even rent safe housing in XXXX due to to the negligence of this company. This is like the electric company sending your light bill to your neighbors and shutting of your lights when you don't pay! Now I am paying dearly for it in the form of drastically reduced credit score and will be for years to come - this is not right! 

I have attached evidence. Please assist me in getting this mark removed from my credit report. I have contacted the Department of Education in XXXX but since that department is now essentially gone, there is nobody to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
Robinhood had restricted access to my account, I do not have access to the funds on the account my family needs during an emergency. I have provided all documentations that Robinhood had requested in order to resolve this, but my account is still restricted and Robinhood has kept pushing back the deadline to resolve the restriction on my account. 

XXXX ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: NV

Complaint narrative:
I am writing to request the immediate removal and blocking of these unauthorized accounts from my credit report. I did not open or approve them, and I have no connection to them. Under the guidelines of USC 1681g, I am requesting their deletion within the next 15 days. Please review the enclosed documentation. I also noticed that the reported information varies between bureaus, making it inaccurate and misleading

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 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: MN

Complaint narrative:
I have sent letters asking for removal XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Portfolio Recovery Associates, LLC
State: MN

Complaint narrative:
I have sent letters asking for removal XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Balance transfer made from Bank of America to XXXX XXXX credit card. 

Bank of America charged XXXX separate " residual '' fees on the balance trasnfer done by another bank. 

Interest for residual fee and fee for processing a payment of a total of {$110.00} after balance was cleared. 

They offered no opportunity to dispute. Bank of America charged for XXXX separate fees attached.

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 2025-04-19 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: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$2700.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$7200.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$7100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 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: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-04-19 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: FL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Chargeoff XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * Date Opened : XX/XX/XXXX Balance Owed : $ XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : $ XXXX XXXX  XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$6200.00} - Collection XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$5500.00} - Collection XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$57000.00} - Late/Open XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4800.00}- Collection

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 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: FL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Chargeoff XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * Date Opened : XX/XX/XXXX Balance Owed : $ XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : $ XXXX XXXX  XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$6200.00} - Collection XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$5500.00} - Collection XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$57000.00} - Late/Open XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4800.00}- Collection

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 2025-04-19 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 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: NY

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2025-04-20 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 writing you this letter regarding payments that were marked late by your company for the following accounts on the following date ( XXXX ) : XXXX XXXX XXXX [ XX/XX/XXXX ] XXXX [ XX/XX/XXXX ] XXXX It is my understanding that per XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( XXXX ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company. 
Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to XXXX XXXX XXXX ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section XXXX ( b ) of XXXX XXXX. 
You have 30 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would therefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( Equifax, Experian & amp ; Transunion or all that apply ) and update the accounts to positive. Thank you.

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 2025-04-20 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:
I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following date ( XXXX ) : XXXX XXXX XXXX [ XX/XX/XXXX ] XXXX [ XX/XX/XXXX ] XXXX It is my understanding that per XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( XXXX ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company. 
Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to XXXX XXXX XXXX ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section XXXX ( b ) of XXXX XXXX. 
You have 30 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would therefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( Equifax, Experian & amp ; Transunion or all that apply ) and update the accounts to positive. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 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: MT

Complaint narrative:
Approved XXXX, Citibank card Called to verify with company could use temporary ing they sent me YES Dealership unable to process bin error Spoke to three people tried code XXXX times with no luck Advertised 6 mo no interest/ rebate if purchased and approved for card False advertising and information from representative

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 2025-04-19 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: FL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief