vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-01 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX  XXXX XXXX XXXX, TX XXXX Date of Birth : XX/XX/XXXXXXXX  Last 4 of SSN : XXXX [ Equifax / Experian / TransUnion Send a separate copy of this letter to each agency at their respective addresses ] Date : XX/XX/XXXX Re : Request for Removal of Inaccurate Personal Information on Credit Report To Whom It May Concern : Upon reviewing my credit report, I noticed some inaccuracies in my personal information, specifically concerning the spelling of my name. My legal name is XXXX XXXX XXXX XXXX, and any variations should be removed. I have enclosed a copy of my government-issued photo ID to verify the correct spelling. 

To expedite the process of updating my information, I have listed below the incorrect names currently associated with my report. I request that these erroneous entries be removed immediately : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There should be only one address on my report, which is : XXXX XXXX XXXX , XXXX  XXXX, XXXX XXXX, TX XXXX Enclosed, you will find documentation verifying my current address, as per your website 's instructions. 

According to the Fair Credit Reporting Act ( FCRA ), I understand that these inaccuracies will be investigated and corrected within 30 days of receipt of this request. I kindly request an updated copy of my credit report, free of charge, be sent to the address listed above. Additionally, please send notifications of these corrections to any recipients of my credit report within the last six months. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-01 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX  XXXX XXXX XXXX, TX XXXX Date of Birth : XX/XX/XXXXXXXX  Last 4 of SSN : XXXX [ Equifax / Experian / TransUnion Send a separate copy of this letter to each agency at their respective addresses ] Date : XX/XX/XXXX Re : Request for Removal of Inaccurate Personal Information on Credit Report To Whom It May Concern : Upon reviewing my credit report, I noticed some inaccuracies in my personal information, specifically concerning the spelling of my name. My legal name is XXXX XXXX XXXX XXXX, and any variations should be removed. I have enclosed a copy of my government-issued photo ID to verify the correct spelling. 

To expedite the process of updating my information, I have listed below the incorrect names currently associated with my report. I request that these erroneous entries be removed immediately : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There should be only one address on my report, which is : XXXX XXXX XXXX , XXXX  XXXX, XXXX XXXX, TX XXXX Enclosed, you will find documentation verifying my current address, as per your website 's instructions. 

According to the Fair Credit Reporting Act ( FCRA ), I understand that these inaccuracies will be investigated and corrected within 30 days of receipt of this request. I kindly request an updated copy of my credit report, free of charge, be sent to the address listed above. Additionally, please send notifications of these corrections to any recipients of my credit report within the last six months. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: WV

Complaint narrative:
I opened an account with Truist Bank on XX/XX/year>. The branch manager at their location in XXXXXXXX XXXX  informed me that I have a charge off with them thats went to a third party that I need to pay once my account is fully opened and my initial deposit was {$2900.00} as a check from my XXXX that took 7 days to process and clear. On XX/XX/year>, the fraud department flagged my account knowing this information as per notes left, and I wasnt able to use my account. They analyzed the situation for weeks and then told me on XX/XX/year> that the account was closed for good and my funds are being held for any claims by any other institution and that I would need to contact empower, my XXXX company, to request the funds back and XXXX wont do anything where it was a check and it was cleared. The case number is XXXX if you would like to look into it further with them

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 2025-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
Multiple dates and occasions where I wasnt able to access my online accounts due to username email or password issues. Or missing XXXX cards

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I started receiving paper statement fees on my monthly bill and didn't realized when it started. Once I noticed I called Synchrony Bank and they informed me that I would need to be enrolled in electronic statements to avoid these charges which I agreed to in XXXX. They reversed the fees. I recently noticed I was still getting paper statements and they were still charging me {$1.00} each month. I called again today and informed XXXX of the scenario above. He enrolled me in paperless billing but said he could not reverse that charges incurred since XXXX. I reiterated the situation and then asked to speak with a manager which he claimed was not available. I requested to be signed up for paperless statements when I called in XXXX, not sure why it wasn't done the first time I requested it via phone.

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 2025-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
The bank didn't credit to my account XXXX XXXX of {$810.00} as said on " Capital One XXXX : XXXX CFPB Complaint ID : XXXX '', which I attached the CFPB letter. Please check this problem. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Original complaint info was attached

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am writing to file a formal complaint regarding persistent inaccuracies on my consumer credit reports, specifically concerning medical debt and related collection activities. Despite my repeated attempts to dispute these items with XXXX, TransUnion, and XXXX ( the " Credit Reporting Agencies '' or " CRAs '' ), these agencies have failed to conduct proper investigations and remove the inaccurate information, causing significant personal and professional harm. 

These credit reports contain information related to medical debts that should not be reported. This is in direct violation of federal law and regulations. For instance, I assert violations of the following : 12 CFR 1022.38 ( Prohibition on Creditors and Consumer Reporting Agencies Concerning Medical Information ) : The CFPB has recently finalized a rule that generally prohibits consumer reporting agencies from including medical debt information on credit reports furnished to creditors for use in making credit eligibility decisions. This rule, codified at 12 CFR 1022.38, is designed to protect consumers from the negative impact of medical debt on their creditworthiness. The continued presence of medical debt and related collection activities on my credit report is a violation of this critical consumer protection ( SEE 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 non-monetary relief
Consumer complaint received 2025-06-01 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX  Subject : Formal Request for Full Refund Due to Mishandling of Dispute Process Dear Chase Disputes Department, I am writing to formally request a full refund of {$840.00} related to a dispute I filed on my Chase card ending in XXXX for a transaction with XXXX XXXX XXXX. 

I initiated the dispute and proactively contacted the Disputes Department multiple times to confirm whether any additional documentation was needed. Each time, I was assured that all required information had been received and that no further action was needed on my part. 

However, approximately 4590 days later, I discovered via the Chase website that the dispute had been denied without any prior notification. When I called to inquire, I was informed that the merchant had responded and that this was the basis for the denial. I was never notified of the merchant 's response or given the opportunity to submit further evidence. 

After insisting on escalation, I was transferred to a supervisor who acknowledged the situation and agreed to reopen the dispute. She explained that I had maximum 72 hours to submit a second opinion letter, which I did. I also asked why I wasnt informed earlier about the need for this documentation. Unfortunately, she was unable to provide an explanation. 

The supervisor further explained that because the original dispute had been closed and the timeframe to recover funds from the merchant had passed, Chase could no longer issue a refund even though I had acted in good faith and followed up diligently throughout the process. 

This situation has caused significant frustration, as I feel the dispute was mishandled due to inadequate communication and follow-up from the bank. I respectfully request that Chase issue a full refund of the disputed amount, including any accrued interest, given that I was not afforded a fair opportunity to support my claim. 

I have made every effort to cooperate and relied on the guidance provided by your representatives. I ask that Chase take responsibility for the breakdown in communication and resolve this matter appropriately. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Linebarger Goggan Blair & Sampson LLP
State: CA

Complaint narrative:
On XX/XX/XXXX, I received a notice dated XX/XX/XXXX from the California XXXX XXXX XXXX stating that XXXX dollars of my XXXX state tax refund was intercepted by Linebarger Goggan Blair and Sampson LLP on behalf of the XXXX XXXX XXXX XXXX XXXX. 

Before receiving this notice, I had never been contacted in any form. I did not receive any physical mail, email, phone call, or written communication from Linebarger or the court regarding any alleged debt. I was not given the opportunity to dispute the debt, verify its validity, or even be informed of its existence. 

By the time I received the notice, the intercept had already been carried out without my knowledge or consent. I was not provided any notice of the right to dispute the debt. I received no explanation of the amount or its origin, and no documentation of any kind. 

This situation appears to violate the Fair Debt Collection Practices Act, which requires collectors to provide written notice and an opportunity to dispute a debt before taking any collection action. I am requesting a full investigation. If it is determined that the law was violated, I request that the intercepted funds be refunded and that appropriate enforcement action be taken against the entity responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
We noticed an unrecognized XXXX transaction in our Chase checking account, which transfer {$4800.00} to a person we don't know about. We reported the issue to the bank, and changed the online user name and password as instructed. Several days later, we received the response that the claim was denied because they didn't find new login in new devices. I asked the bank to send me the log that showed which device invoked the transaction with timestamp but they could not provide that. I also told them that we don't know the recipient at all, and also the transaction notes said the it was for taking care of our children but that never happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc.
State: SC

Complaint narrative:
Account : XXXX To Whom It May Concern, This letter is in response to your recent correspondence concerning the above-referenced account ( s ). In accordance with Uniform Commercial Code 9-210 ( a ) ( 2 ), I am making a good faith and lawful request for a full and complete accounting of any and all obligations, notes, and/or security interests Nelnet claims to hold , service, or enforce in connection with this account.

Please be advised that I expect a full response within 14 business days of your receipt of this request, as required under applicable law.

This request includes, but is not limited to, the following : 1. Complete Accounting of the Obligation ( s ) : The original balance and/or principal A complete history of all payments made and how each was applied ( principal, interest, fees, escrow, etc. ) An itemized list of all fees, charges, penalties, or advances assessed The current balance as of the date of your response Any changes in the terms of the obligation, including interest rate changes 2. Documentation of Any Assignment, Sale, or Transfer : Assignments of note or any related security instruments Endorsements, allonges, or indorsements related to the instrument ( s ) Documentation of any transfers or sales to third-party entities, including trust entities The full name and contact information of any successor-in-interest or authorized agent 3. Disclosure of Securitization or Trust Transfers : Full name of any trust, including series and trustee details Date of the transfer and names of the assigning/transferring parties A copy of any Pooling and Servicing Agreement ( PSA ) , trust agreement, or custodial record related to such transfer ALL documentation or evidence that the account ( s ) were securitized or sold to a third party 4. Identification of the Current Secured Party or Assignee of Record : Legal name and mailing address of the current secured party or assignee Name and contact information of any agent or servicer acting on their behalf If you deny or decline to comply with this request, you are required to cite the specific federal law or statutory authority that exempts Nelnet from compliance with UCC 9-210. Any such denial must be supported by valid legal authorityyour internal company policies or procedures are not a legal justification and will not be accepted as a lawful basis for refusal. 

Should your organization not be the correct party to respond, you are required to promptly forward this request to the appropriate department, servicer, or affiliated entity, and notify me in writing that you have done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Dear Sir/Madam, I have recently become aware of a debt of {$6700.00} owed to ProCollect Agency opened XX/XX/XXXX and I believe that I am not responsible for the outstanding balance in question. 
To provide context, this account pertains to an apartment lease that was entered into by my mother. My mother left the apartment without informing me or providing any notice of her actions. My social security information was provided without me knowing. At no point was I made aware of her abandonment of the property or any subsequent financial obligations tied to the apartment. I was aware that I was being added as a resident of the apartment only and not part of financial obligation. 
I have filed to dispute this matter and have been denied since XXXX of this year. I then proceeded to mail a letter to ProCollect on XXXX XXXX asking for verification of this debt and they have yet to respond. I have attached below the letter I sent. I was never notified by the apartment complex that this debt was being sent to a collection agency and the collection agency failed to send me, A copy of the original lease agreement or contract bearing my signature ( if any ), establishing my liability for the alleged debt. 
A complete accounting of the debt, including itemized charges. 
The name and address of the original creditor. 
Documentation verifying that you have the legal authority to collect this debt. 
As I was not in any control over the abandonment of the apartment, I kindly request that you investigate this matter. 
I trust that you will review this situation thoroughly and correct any inaccuracies in your records. If further documentation or information is required from my side to assist with this process, please do not hesitate to contact me at the address or phone number listed above. 
Thank you for your prompt attention to this matter.

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 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I have the right to dispute any information in my credit file that I believe is inaccurate or incomplete. I exercised that right by submitting a dispute to the credit bureau ( s ), but the inaccurate information remains on my credit report despite supporting documentation I provided. Additionally, under 15 U.S.C. 1681s-2 ( b ), the furnisher of the disputed information is obligated to investigate and correct or delete any information found to be inaccurate or unverifiable. 

This account reflects an incorrect balance that misrepresents my credit obligations and unfairly affects my credit standing. Since the information has not been corrected despite a formal dispute, I am now requesting the Consumer Financial Protection Bureaus intervention to ensure compliance with the FCRA. 



SST/MEDALLION

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 2025-06-01 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: FL

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I have the right to dispute any information in my credit file that I believe is inaccurate or incomplete. I exercised that right by submitting a dispute to the credit bureau ( s ), but the inaccurate information remains on my credit report despite supporting documentation I provided. Additionally, under 15 U.S.C. 1681s-2 ( b ), the furnisher of the disputed information is obligated to investigate and correct or delete any information found to be inaccurate or unverifiable. 

This account reflects an incorrect balance that misrepresents my credit obligations and unfairly affects my credit standing. Since the information has not been corrected despite a formal dispute, I am now requesting the Consumer Financial Protection Bureaus intervention to ensure compliance with the FCRA. 



SST/MEDALLION

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
After contacting Equifax and XXXX  about and account under the name of XXXX XXXX XXXX on my credit report it has been bring to my attention that this company has been involved and Identity theft and buying personal and federal information from individuals to commit scams and rip offs.. 

I already file a Lawsuit against Equifax and XXXX  and they admit that due a DATA BREACH a couples of years ago its very likely that XXXX XXXX XXXX had stole all my information and are for sure trying to scam my off with amounts of money I do not own them. 

I requested already in multiples occasion for signed Documentation between Me and XXXX XXXX XXXX and XXXX XXXX XXXX is just ignoring my petition and are not providing any valid documentation that shows we had any business and the past. 

Be aware this company, XXXX XXXX XXXX, is Fraudulent company. 
Here is a link to Lawsuits against this company >>> XXXX XXXX XXXX XXXX & XXXX & XXXX & XXXX XXXX XXXX XXXX XXXXXXXX & XXXX & XXXX & XXXX

Company response to consumer: Closed with explanation