vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> Bank of America XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Request for Late Payment Fee Waiver and Credit Report Adjustment Dear Bank of America I am writing to formally request a waiver of the late payment fee and the removal of any negative reporting to credit bureaus regarding my credit card account [ Account Number ], as permitted under the CARES Act and the Fair Credit Reporting Act ( FCRA ), due to financial hardship caused by the COVID-19 pandemic. 
Pursuant to Section 4021 of the CARES Act, financial institutions are encouraged to provide accommodations to consumers experiencing financial hardship due to the pandemic. Furthermore, under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), furnishers of credit information must ensure the accuracy and fairness of reported information. Given that my late payment was directly caused by [ briefly explain your circumstances, e.g., loss of employment, medical expenses, reduced income, etc. ], I believe it falls within the scope of these protections. 
Despite this temporary financial hardship, I have since resolved the issue and made the necessary payment as soon as I was financially able. Prior to this event, I have maintained a responsible payment history, demonstrating my commitment to fulfilling my financial obligations. 
Given these considerations, I respectfully request that you : Waive the late payment fee associated with this delay. 
Remove or amend any negative reporting to credit bureaus in accordance with my rights under the FCRA and CARES Act. 

I appreciate your time and consideration in reviewing my request. I would be happy to provide any further documentation necessary to support my case. Please confirm receipt of this request and advise on any next steps. 

Thank you for your cooperation and assistance. I look forward to your prompt and favorable response. 

Sincerely, 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 monetary relief
Consumer complaint received 2025-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
As a consumer, I did not give permission for this to be on my credit report, cease and desist please remove off my credit report!

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 2025-03-30 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Subject : Dispute Regarding Incorrect Payment Allocation and Interest Charges on Citi Bank Best Buy Credit Card Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint regarding a billing issue with my Citi Bank Best Buy credit card account. Despite my efforts to resolve this matter directly with Citi Bank, I have not received a satisfactory resolution and am now seeking your assistance in rectifying the issue. 

As of XX/XX/XXXX, my account had three promotional balances as follows : {$2000.00} ( expired on XX/XX/XXXX ) {$270.00} ( expires on XX/XX/XXXX ) {$1500.00} ( expires on XX/XX/XXXX ) In XXXX, I made a payment of {$2200.00} with the explicit intention of paying off the expired promotional balance of {$2000.00}. Prior to making this payment, I contacted Citi Bank to confirm that my payment would be applied to the expired promotional balance, ensuring that my other promotional balances remained intact. The representative I spoke with assured me that my payment would be allocated accordingly. 

However, despite this assurance, my account was not updated correctly. Instead of fully paying off the expired promotional balance, my promotional balance was inexplicably reduced to {$460.00}, while my regular purchase balance increased to {$2900.00}. This is despite the fact that I had only made a regular purchase of {$190.00} and an additional payment of {$120.00} during this period. 

As a result of this incorrect allocation, I have been wrongfully charged interest on an amount that should have remained under a promotional balance. This is an unfair and incorrect application of my payment, and it has resulted in unnecessary financial hardship due to the accumulating interest charges. 

I have attempted to resolve this matter with Citi Bank multiple times, but they have failed to correct the error or provide an adequate explanation. Therefore, I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that Citi Bank : Removes any wrongful interest charges that have been applied to my account as a result of this misallocation. 

Restores my account to the correct promotional balance or compensates me with 5 % cashback on the amount that was wrongly reclassified as a regular purchase. 

Provides additional financial compensation for the time and effort I have spent since XXXX trying to resolve this issue. 

I appreciate your time and assistance in this matter and look forward to your response. Please let me know if you require any additional information or documentation to facilitate your investigation.

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 monetary relief
Consumer complaint received 2025-03-31 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: NC

Complaint narrative:
Dear CFPB, I am filing this complaint against TransUnion and XXXX XXXX XXXX XXXX for failing to correct inaccuracies on my credit report, violating the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines.

1. Violations Summary FCRA 611 ( a ) ( 1 ) : TransUnion ignored disputes sent on [ Date ( s ) ] and failed to investigate errors.

Metro 2 4.2 : XXXX XXXX collection lacks " Date of First Delinquency '' and proof of debt ownership. 
Metro 2 4.4 : Duplicate " Placed for collection '' remarks violate reporting standards. 
FCRA 605 : Outdated/inaccurate addresses ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX pose fraud risks. 

2. Disputed Accounts XXXX XXXX XXXX XXXX ( {$660.00} ) Metro 2 Violations : 4.2 : Missing " Date of First Delinquency '' and payment history since XXXX XXXX 
4.4 : Redundant " Placed for collection '' remarks ( flagged twice ). 
FCRA 623 : No validation from XXXX XXXX XXXX proving debt ownership. 
FTC Debt Collection Rule : XXXX XXXX failed to provide written debt verification. 
Inaccurate Personal Information Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX are outdated/unfamiliar. 
Risk : These errors increase identity theft/fraud exposure under FCRA 605 .

3. Harm Caused Credit Denials : Rejected for an auto loan due to invalid {$660.00} collection. 
Emotional Distress : XXXX from unresolved errors despite multiple 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 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

Account Name : XXXX XXXX Account Number : XXXX bal. {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 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: GA

Complaint narrative:
Some time ago, I noticed several suspicious and unfamiliar accounts on my credit report. The number of them was so overwhelming that I couldnt even begin to figure out where they came from or who might be behind them. In an effort to resolve this and clear my name, I followed the proper steps and requested validation from the credit bureau for each accountspecifically asking for the original signed contracts tied to these accounts. 

I submitted a formal letter along with an FTC Identity Theft Report, exactly as required, over two months ago. Yet here I am, still waiting. I have not received a single original contract, no details about the method of verification used, and no clarification on who was contacted to confirm the legitimacy of these accounts. Meanwhile, these fraudulent items remain on my credit report, damaging my financial standing and peace of mind. 

I am beyond frustrated. This delay is not just inconvenientits irresponsible. I expect immediate action and a full response or, failing that, the removal of these fraudulent accounts from my report 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 non-monetary relief
Consumer complaint received 2025-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of XXXX XXXX. The information listed below, which appears on my credit report, is the result of that 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 2025-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: CA

Complaint narrative:
I have had problems with Chime and their products/services since I started using them to direct deposit my paychecks in XXXX of XXXX they offer all kinds of services to get you to sign up with them but once you do you dont get to use any of the offered services like they say for example I was told when I signed up that I would get {$200.00} fee free overdraft protection but still have only gotten XXXX $ and then theres another service they offer called XXXX which lets you borrow money against your paycheck up to the amount you qualify for but heres what they dont tell you if you use this which they make available all of your limit at first if you take your limit {$500.00} they are taking it ALL back on your next check which would be fine except thats when they change your limit as well as when theyll make the limit available to you without warning!! And then youre left with a paycheck that doesnt cover your bills and anything else you need! So this has happened every single pay period for me starting XX/XX/XXXX and every two weeks after up until this last week XX/XX/XXXX and the worst part is when I call to speak to customer service I get lied to and told that Im at fault that my limit isnt available like it should be and then in the same day I get told that I just need to uninstall and reinstall the app and that should fix it to let my limit be available now, but it didnt fix it and then I get told same day that I shouldnt worry that they were gon na help me get it fixed and then they have me on hold for literally hours not exaggerating hours! Only to come back to tell me that they dont have anything they can do!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I am filing this complaint against Bank of America concerning the handling of an alleged consumer debt linked to my name under account number XXXX. This debt has purportedly been charged off and subsequently sold multiple times, yet the bank has failed to provide adequate validation of the debt as required by the Fair Debt Collection Practices Act ( FDCPA ) and continues to report it on my credit files, contrary to the Fair Credit Reporting Act ( FCRA ). 

Key Points of Complaint : Failure to Validate Debt : Despite multiple requests, Bank of America has not provided necessary documentation or validation of the alleged debt, thereby violating 15 U.S.C. 1692g of the FDCPA.

Unlawful Credit Reporting : The bank continues to report the charged-off debt on my credit reports even after selling it to multiple debt buyers, which misrepresents my financial obligations and harms my credit standing, a direct violation of 15 U.S.C. 1681s-2 of the FCRA.

Improper Debt Collection : By selling the debt multiple times, Bank of America has relinquished any ownership of the debt. Consequently, neither the bank nor any debt collector has the right to collect or demand payment from me for a debt they no longer own, which is a fundamental violation of consumer rights.

Monetary Damages Sought : I seek immediate rectification, including the cessation of all reporting of this debt to credit bureaus and removal of any entries related to it from my credit reports. Furthermore, I demand compensation for the damages suffered due to these violations, totaling {$25000.00}. 
This practice of reporting unverified, sold, and invalidated debts not only undermines consumer trust but also inflicts significant financial harm and distress. It represents willful non-compliance with federally mandated consumer protection laws. 

Action Taken : I have sent a formal dispute and demand for removal from credit reports via certified mail ( Tracking Number : XXXX XXXX XXXX XXXX XXXX XXXX ), which was received by the bank on MXXXX XXXX XXXX The lack of response and continuation of these practices necessitates this complaint. 

I request tto investigate these practices by Bank of America and to enforce appropriate penalties and corrective actions to prevent further harm. 

Thank you for your attention to this urgent matter. I am prepared to provide any additional information needed to support this complaint.

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 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am formally disputing the inaccurate and unauthorized accounts appearing on my credit report with TransUnion, XXXX, and XXXX under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) and other applicable consumer protection laws. Specifically, the following entities are reporting false and unverifiable information : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX I have no open accounts with these entities, and their presence on my credit report constitutes a direct violation of the FCRA, which mandates the reporting of only accurate and verifiable information ( 15 U.S.C. 1681e ( b ) ). Additionally, continued reporting of these erroneous accounts, despite my formal dispute, constitutes willful noncompliance under 15 U.S.C. 1681n, exposing the responsible parties to legal consequences, including statutory and punitive damages.

I have already filed a Federal Trade Commission ( FTC ) identity theft report and a police report, both of which substantiate my claim. Pursuant to 15 U.S.C. 1681c-2, I am demanding the immediate and permanent removal of these accounts from my credit file. You are legally obligated to : 1. Conduct a reasonable reinvestigation into the disputed accounts within 30 days ( 15 U.S.C. 1681i ).

2. Provide written confirmation of the deletion or correction of the inaccurate information ( 15 U.S.C. 1681i ( a ) ( 6 ) ).

3. Cease all reporting of these unverifiable accounts to any third parties, as failure to do so may constitute defamation, negligence, and a willful violation of federal law.

If these fraudulent and inaccurate accounts are not fully removed within the legally required timeframe, I will pursue all available legal remedies, including complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and state attorney generals office, in addition to pursuing civil litigation for damages. 

This letter serves as formal notice under the FCRA and related laws. I expect immediate compliance and written confirmation of the account deletions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: NC

Complaint narrative:
I am formally disputing the inaccurate and unauthorized accounts appearing on my credit report with TransUnion, XXXX, and XXXX under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) and other applicable consumer protection laws. Specifically, the following entities are reporting false and unverifiable information : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX I have no open accounts with these entities, and their presence on my credit report constitutes a direct violation of the FCRA, which mandates the reporting of only accurate and verifiable information ( 15 U.S.C. 1681e ( b ) ). Additionally, continued reporting of these erroneous accounts, despite my formal dispute, constitutes willful noncompliance under 15 U.S.C. 1681n, exposing the responsible parties to legal consequences, including statutory and punitive damages.

I have already filed a Federal Trade Commission ( FTC ) identity theft report and a police report, both of which substantiate my claim. Pursuant to 15 U.S.C. 1681c-2, I am demanding the immediate and permanent removal of these accounts from my credit file. You are legally obligated to : 1. Conduct a reasonable reinvestigation into the disputed accounts within 30 days ( 15 U.S.C. 1681i ).

2. Provide written confirmation of the deletion or correction of the inaccurate information ( 15 U.S.C. 1681i ( a ) ( 6 ) ).

3. Cease all reporting of these unverifiable accounts to any third parties, as failure to do so may constitute defamation, negligence, and a willful violation of federal law.

If these fraudulent and inaccurate accounts are not fully removed within the legally required timeframe, I will pursue all available legal remedies, including complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and state attorney generals office, in addition to pursuing civil litigation for damages. 

This letter serves as formal notice under the FCRA and related laws. I expect immediate compliance and written confirmation of the account deletions.

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 2025-03-31 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: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
A subscriptIon wine company called XXXX sent me a package that I did not authorize. I spoke to the vendor who said I could return it at my expense. I returned it and did not see the refund and disputed with Goldman Sachs Bank USA, who manages Apple Card. I provided the receipt for the shipment as evidence that it was returned. They continually deny my dispute and I have to reopen it every 2 months or so, and they provide no evidence that the vendor did not receive it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: IL

Complaint narrative:
On XXXX XXXX XXXX, XXXX XXXX instructed his team of Department of Government Efficiency ( DOGE ) to gain access to multiple internal system within the Department of Education, including financial aid dataset that contains the personal information of millions of students enrolled in the federal student aid program. My information was among that dataset that has been compromised.

Company response to consumer: Closed with explanation