vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: TX

Complaint narrative:
XX/XX/XXXX, I underwent a scheduled medical procedure. Several months later I received one bill from XXXX of Texas in the amount of {$3300.00}. Shortly after, I received a notification of the bill going to a collection agency. My insurance provider was notified and I was informed they would address the issue. The insurance provider addressed this issue with Wakefield and Associates on at least three occasions. Follow-up information exchanged with the insurance provider stated that Wakefield and Associates was informed they were in violation of federal law. The insurance provider stated Wakefield and Associates refused to remove the derogatory information filed with the credit bureaus, declined to stop collection efforts, and refused the insurance provider to speak with a Wakefield and Associates supervisor or senior representative. 

XX/XX/XXXX, credit bureaus XXXX XXXX XXXX XXXX were notified of the dispute and the derogatory information was then removed by all three agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
I attended XXXX University from XXXX. On XX/XX/XXXX, the XXXX Department of Education approved my XXXX XXXX to Repayment ( XXXX  ) application under the XXXX  v. XXXX settlement, fully discharging my federal loans related to my enrollment at XXXX. 

Following this approval, I submitted the DOE discharge documentation and federal/state settlement evidence to Navient/XXXX as part of a request for discharge of my related private student loans. 

On XX/XX/XXXX, and again on XX/XX/XXXX through the CFPB Navient/XXXX  denied my request. 

Their legal department stated my allegations were insufficient and that their internal review process is confidential and proprietary. They did not explain why Department of Education findings and federal settlements confirming XXXX misconduct are not considered sufficient evidence for private loan discharge. 

This leaves me in an unfair situation : my federal loans were discharged for proven fraud, but my private loans are still being enforced for the exact same fraudulent enrollment. 

I have attached my escalation letter and supporting documentation for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: TRUIST FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XX/XX/year>, I received three letters in the mail from Truist Bank. The letters are dated XX/XX/year> and indicate that my accounts were closed. I have never had accounts or applied for accounts with Truist Bank. I pulled my credit reports and see that Truist Bank ( Lightstream ) did a hard inquiry of credit report on XX/XX/year>. This inquiry will be on my report for two years. Again, I never applied for accounts with Truist. I called the Truist Bank fraud department. They confirmed that someone used my credentials to open a checking account and an online banking account. The accounts were marked as fraud and subsequently closed. The hard inquiry remains on 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 2025-09-27 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: MO

Complaint narrative:
Transunion, Equifax and Experian are all illegally reporting nonpublic private information. I never gave them consent to report on my consumer report in accordance with the requirements of the GLBA. I have officially filed a fraud report with the FTC to have XXXX  and XXXX  Investigated. By law, XXXX  and XXXX  and or the credit reporting agencies are to block this information within 4 days from receipt of this notice. If this information is NOT deleted within 4 days, I will be moving forward with filing a lawsuit.

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 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
All 3 credit bureaus are incorrect. They are reporting incorrect items causing my credit score to be lower than it should be.

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 2025-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Atlanticus Services Corporation
State: GA

Complaint narrative:
Sometime in XXXX an XXXX Credit card was opened and used fraudulently in my name.. The card was sent to an old mailing address which is XXXX XXXX XXXX, XXXX, XXXX  XXXX an address which I no longer lived at since XXXX, XXXX XXXX .. I have no been in the market for any credit cards and have been receiving denial letters of applying for credit which I have not applied for! I recieved a balance statement sometime late XXXX or early XXXX with charges and I called XXXX immediately and contacted there fraud department, I gave all information to my knowledge and let the investigator know I have not applied for a credit card or heard of this company which I thought was a scam at first. They asked me to prove I no longer lived at XXXX XXXX XXXX XXXX XXXX  .. I sent over documentation with my leasing agreement with my current address XXXX XXXX XXXX XXXX XXXX  showing my move in date which they asked for upon request in order to solve this matter. once submitted they told me this was not substantial enough because of me and my mothers name being attached on the leasing agreement which is were me and my mother both reside. And they told me it was a fraudulent leasing agreement I resent this leasing agreement with every document including the landlords information attached they told me once again it was not substantial enough and fraudulent because of the different fonts in the text. On XXXX the XXXX I submitted the police report with the same information Ive already provided and a print out of the leasing agreement of my current address and the claim was still denied. Ive called over 15 times since XXXX to get this matter resolved and have provided all and truthful and substantial documentation! Ive called on the XXXX of XXXX again to try to understand why this matter is denied once again and it is always another invalid reason once I submit documentation proving my claim. On XX/XX/XXXX Ive been told the information Ive provided is contradicting verbatim from one of the fraud specialists so this claim will continue to be denied!! I feel this has been unfair and unjust! Ive also been told an email address is listed on the account which is not my email address which Ive already addressed and have been corresponding with this company my email address is XXXX the charges on the account which have been sent in the account statement show dates I was currently at work and places I have never made purchases from

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: NY

Complaint narrative:
I was scammed! 

Tuesday, XX/XX/year>, XXXX XXXX, during work, I received a text from XXXX I thought it was from Chime An attempted purchase was attempted for the sum of {$530.00} in XXXX, TX. Do I authorize this transaction? 
I hit the autoreply NO from my drop-down window on my notifications I got a call from a Spoofing Call from Chime on Tuesday, XX/XX/year>, XXXX XXXX  Asking about said transaction I refreshed my virtual card because the caller claimed I was possibly being skimmed with it. They even mentioned its been happening a lot in the XXXX in supermarkets Thursday, XX/XX/year> XXXX I got a call from a Spoofing Call from Chime It was a man at first ; he was going through my transaction history because, at first, I did not believe I had to take such a step with Chime and he did so with detail. Somewhere along the call, I made another transaction at the vending machine and asked him to update me on my balance, and he was still able to I lost connection cause I was at work Thursday, XX/XX/year> XXXX I received another spoofing call from Chime This time it was a woman, and we went through the same thing naming my last transactions, cause once again I didn't believe them right off the bat But I was so caught up at work, I wasn't really paying attention to the process she was walking me through, which was actually a money transfer, and about halfway through, I believed the person claiming to be a rep for Chime I reached out to Chime, explained in detail what happened, and they denied my claim

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I moved and during the move my bank information was stolen and over XXXX was stolen from my checking account. I filed a dispute with Chase, canceled my debit card and called them right away. They denied my dispute, treated me very unprofessional and closed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: SECURITY FINANCE CORP
State: GA

Complaint narrative:
When I got this loan in XX/XX/XXXX all payments were made on time except in XX/XX/XXXX. I was trying to set my account to have automatic payments deducted from my bank account. I was informed that I made arrangements to late. So XXXX payment was considered late. Payments from XXXX through XXXX have been automatically deducted but my credit report reflects late payments. I have been given unbelievable reasons why my credit report shows late and no one at the company is making it make sense. I just want my credit report to reflect that I have been making payments on time each month from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: GA

Complaint narrative:
I am writing to formally dispute an item on my credit report that I believe XXXX have been compromised as a result of the data breach affecting Experian. As a XXXX  of this XXXX, my personal and financial information was exposed without my consent, placing me at risk of identity theft and fraudulent activity. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that the information contained in my credit report is accurate, complete, and verifiable. I am requesting that you investigate and promptly delete the item that XXXX have been affected by this breach, as it can not be verified as accurate or legitimately associated with me. 
The specific item I am disputing is : Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/year> Balance : {$4600.00}

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 explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I used my Chase Sapphire Reserve Credit Card to pay {$110.00} for seats on flights to and from XXXX in XXXX 
I had to cancel this trip because I had XXXX XXXXXXXX and was not allowed to fly. 
I filed with the credit card to be reimbursed for the {$110.00} because that charge was not covered by the travel company insurance nor the airline, XXXX XXXX XXXX and according to Chase Sapphire Reserve Credit Card rules it should have been. They refused to pay for the seat charge saying that it was not covered although I had to cancel the trip because of the XXXX XXXXXXXX which I documented with a doctor 's note. The company policy does state that they cover charges incurred due to a covered reason which the XXXX XXXXXXXX is.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 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: CA

Complaint narrative:
I am filing this complaint against the credit reporting agencies and the furnishers of information for multiple inaccuracies and violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Issues in Dispute : Wrong Address Reporting XXXX XXXX XXXX, XXXX, CA XXXX is being reported on my credit file. 

This is not my address and must be immediately removed. 

Reporting inaccurate personal information is misleading and violates 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy. 

Unauthorized/Unwarranted Inquiries XXXX  XX/XX/year> XXXX  XX/XX/year> XXXX XX/XX/year> These inquiries were made without my knowledge or authorization. I never applied for credit, nor did I grant permission for these hard pulls.

Under the FCRA, hard inquiries are only permissible with consumer consent. These entries are damaging my credit profile and must be deleted immediately.

Requested Resolution : Immediate deletion of the wrong address from my credit file. 

Permanent removal of the unauthorized inquiries listed above. 

A full investigation into how these inaccuracies were placed on my report and accountability from the furnishers involved. 

Written confirmation from the credit bureaus once these corrections have been made. 

These errors are causing direct harm to my creditworthiness and are in clear violation of the protections granted to me under federal law. I expect swift corrective action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a XXXX XXXX XXXX, and the information listed below on my credit report is a result of that XXXX : Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$41000.00} Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$470.00}

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 explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation
State: MD

Complaint narrative:
Hello. Approximately XXXX months ago I inquired with One main Financial on personal loan options. Even though I decided NOT to move forward with my application due to me changing my mind I have been bombarded with spam calls DAILY from loan companies stating they are from underwriting section and have my loan application and if I want to go forward with my application. One Main Financial was the only company I submitted a loan application at this time. I believe One main Financial has neglected its privacy statement rule and sold my personal information to third parties hence the reason for all of the loan company spam calls. When I called One main Financial that I was not going forward with the loan process I specifically requested to delete my application from their records AND my credit took a big hit as well. This has not been done. I am constantly bombarded with these spam calls daily. Ive told these companies to remove my info and not interested but they still call from numerous random numbers and leaving voicemails and texts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I sent Resurgent account number # XXXX a certified letter asking them to send me a validation on XX/XX/year>. They didnt send me the debt validation letter they only sent internal internal " ACCOUNT SUMMARY REPORTS '' and a denial of my dispute. These documents are generated by their servicer and do not constitute legal debt validation as required by 15 U.S.C. 1692g. The company failed to provide the following essential documentation for any of the three accounts.

1. A copy of the original signed consumer credit agreement proving my contractual liability.

2. The full, complete chain of custody/bill of sale proving that LVNV Funding LLC legally owns the debt and has the right to collect.

By reporting these accounts and attempting collection without providing proper legal validation, LVNV is violating the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX | XXXX XXXX A claim was previously made. 
Cash App Fraud Department Block , Inc . 
XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Subject : Urgent Fraud Complaint and Request for Investigation Subject : Formal Complaint Fraudulent Transactions via Cash App To Whom It May Concern, I am writing to report and request investigation into a series of fraudulent transactions made through my Cash App account between XX/XX/XXXX and XX/XX/2025, totaling {$2100.00}. These payments were sent to a cryptocurrency wallet address : XXXX The breakdown of these transactions is as follows : XX/XX/2025 at XXXX XXXX  {$85.00} XX/XX/2025 at XXXX XXXX  {$300.00} XX/XX/2025 at XXXX XXXX  {$740.00} XX/XX/2025 at XXXX XXXX {$500.00} XX/XX/2025 at XXXX XXXX {$470.00} These payments were made in connection with fraudulent investment offers from XXXX involving individual XXXX XXXX ( XXXX, XXXX ). Despite assurances of legitimacy and returns, I received no services and was instead redirected to further payment requests via XXXX XXXX XXXX 
I have already filed complaints with the FBI, local police, the Governors office, and the Attorney General of Pennsylvania. I am now requesting : A full refund of the {$2100.00} A formal investigation into the recipient and associated wallet address Written confirmation of the outcome Preventive action to protect other consumers from similar scams This situation has caused significant financial hardship. I am prepared to provide transaction records, screenshots, certificates, and all supporting documentation. I respectfully urge your offices to act swiftly and decisively. 
Thank you for your attention to this urgent matter. 
Sincerely, XXXX XXXX Submission Instructions To Cash App : Submit via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Report a Payment Issue To CFPB : File online at XXXX : XXXX If youd like help organizing your attachments or tracking responses, Im here to assist every step of the way.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I have an amazon card via Synchrony financial. My payment due date was XX/XX/year>. I scheduled the payment via their app for XX/XX/year>. I logged in on XX/XX/year> and see the payment is processing as of XX/XX/XXXX, but I am being charged a late fee of {$29.00} and they say my payment is late. 
I waited hours for a rep to contact me back. She said " I do understand your concern, However I would like to inform you that any payment made on the account it would take 24-48 hours for the payment to be posted on the account. '' So I have to keep repeating myself that it isn't my fault and I have no control over their system processing payments. I did everything I am supposed to do. But because their system didn't process the payment completely on the XXXX, somehow I'm liable for a late fee. I am attempting to get my {$29.00} refunded and the late removed but I'm not sure how successful I'll be. The rep is contacting me via text and I can provide proof.

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 2025-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
Bank of America credit card payment. Payment amount {$1500.00} made via electronic transfer on XX/XX/25. Funds cleared my bank that day. I have a letter to that effect from XXXX. Bank of America placed a 5 day hold for no apparent reason. Did not care about the verification letter. Have never had a payment returned. Had made a {$790.00} payment without issue last payment.

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