vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have a CareCredit account through Synchrony bank, they were charging over {$50.00} a month since I opened the card for something called consumer protection. I called today and told them I never signed up for something like this and they gave me a different phone number to call. I called and they told me I signed up at the merchant I got the card for. The problem is, I signed up online, there was no merchant to sign up at. The place is XXXX and its internet based. Also, when I called the company they did not have my correct address, so if I signed up at the time of opening the card with the merchant, then wouldn't the XXXX AND this company have the same address. They have a different address. Care credit said there was nothing they could do because I signed up, I asked them to send me something that shows without a doubt that I signed up for this and nothing can be produced, she said I'm sorry ma'am there is nothing I can do to help you. They have charged over {$350.00} in fees to my account since XXXX. I simply want it refunded as I did not sign up for this program and no one can provide proof that I did.

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 2025-03-20 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: DISCOVER BANK
State: MD

Complaint narrative:
I have reported incorrect information sent by the credit bureau through my email and formally dispute an error on my credit card statement. Despite my request for further investigation, the company has disregarded the issue. I urge you to resolve this matter promptly and provide a confirmation receipt for my reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: CA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-03-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA
State: MD

Complaint narrative:
I am writing to formally address a serious issue regarding the unauthorized compromise of my personal and financial information. It has come to my attention that my data was accessed without my consent, which constitutes a violation of my rights. As you are aware, the Family Educational Rights and Privacy Act ( FERPA ) is in place to ensure the confidentiality and security of student records. This breach clearly contravenes the protections afforded by FERPA, as well as your obligation to safeguard my sensitive information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: AZ

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: CT

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX I opened at the Chase branch checking and saving account with the {$900.00} bonus coupon ( see attached ). I met the qualifying activities written on the coupon for both accounts but received only one bonus for saving account. I was denied a {$300.00} bonus for checking accounts and {$400.00} extra bonus for opening and meeting qualifying activities for both accounts. 

To receive the checking bonus according to the terms and conditions of the coupon is to : " 1 ) Open a new Chase Total Checking account, which is subject to approval ; AND 2 ) Have your direct deposit made to this account within 90 days of coupon enrollment. Your direct deposit needs to be an electronic deposit of your paycheck, pension or government benefits ( such as Social Security ) from your employer or the government. Person to Person payments ( such as XXXX ) are not considered a direct deposit. Micro-deposits do not qualify as a direct deposit for the bonus. Micro-deposits are small deposits, typically less than {$1.00}, that are sent to your account to verify it is the correct account. After you have completed all the above checking requirements, we'll deposit the bonus in your new account within 15 days. 

I had XXXX direct deposits : XXXX XX/XX/XXXX - {$730.00} and on XX/XX/XXXX - {$4500.00}. Governmentbenefits : tax refunds I called Chase customer service and was told that since I opened the account at the branch I should go to them and they should escalate this issue. I went to the branch and I was told by the gentlemen that opened the account I should wait until XX/XX/XXXX and if I don't get my bonus then I should come back and they will escalate it to Chase customer service. Even though the coupon said bonus is paid within 15 days after meeting qualifying activities I had no choice and had to wait. I didn't get the bonus either and went to the branch after XX/XX/XXXX. The same gentleman that opened the account for me said he consulted with the branch XXXX and they will escalate the issue and I should give it XXXX weeks. After XXXX weeks I went to the branch and I was shown an email from Chase customer service in response to my request that tax refund does not qualify for direct deposit. I went home and called Chase customer service again and they said that the tax refund posted on my account doesn't qualify as direct deposit since it is not recurring. 

Nowhere on the coupon terms and conditions says that direct deposit has to be recurring or that tax refund doesn't qualify as the direct deposit for the purpose of the bonus. Chase violated it is own terms and conditions and robbed me from {$700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: SunTx Capital Partners
State: FL

Complaint narrative:
Freedom Truck Finance , LLC account number XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed above.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-20 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: NC

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 explanation
Consumer complaint received 2025-03-20 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: NC

Complaint narrative:
I am writing to formally dispute the validity of my XXXX DEPTEDXXXX student loan ( s ) due to a violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ), 20 U.S.C. 1232g. FERPA strictly prohibits the disclosure of student educational records without written consent, yet I have reason to believe that my personal and financial records were unlawfully accessed by unauthorized third parties, including XXXX XXXX XXXX DOGE related entities. Upon investigation, I have found that : 1. Unauthorized Third-Party Access : My personal and financial student records appear to have been improperly accessed, shared, or utilized by individuals and/or organizations with whom I did not consent to share my information. This includes entities affiliated with XXXX XXXX 2. Breach of Privacy Rights : I was never informed of, nor did I consent to, the release of my educational data to these third parties. This is a direct violation of FERPA regulations. 3. Compromised Loan Agreement : If my student loan was issued or influenced by parties who illegally obtained my educational data, then its legitimacy and enforceability are in serious question. Requested Actions : In light of this FERPA violation and unauthorized third-party access, I demand the following immediate actions : A complete audit and review of my student loan records, including how my data was obtained and whether it was improperly shared. A written response within 30 days acknowledging my dispute and detailing the steps you will take to remedy this violation. I demand the immediate cancellation and discharge of my student loan ( s ) as they were obtained under legally questionable circumstances. If this matter is not resolved promptly, I am prepared to escalate my complaint to the U.S. Department of Educations Family Policy Compliance Office ( FPCO ), file a formal legal complaint, and pursue further action against the involved parties. I expect a prompt and fair resolution to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to formally dispute the validity of my XXXX DEPTEDXXXX student loan ( s ) due to a violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ), 20 U.S.C. 1232g. FERPA strictly prohibits the disclosure of student educational records without written consent, yet I have reason to believe that my personal and financial records were unlawfully accessed by unauthorized third parties, including XXXX XXXX XXXX DOGE related entities. Upon investigation, I have found that : 1. Unauthorized Third-Party Access : My personal and financial student records appear to have been improperly accessed, shared, or utilized by individuals and/or organizations with whom I did not consent to share my information. This includes entities affiliated with XXXX XXXX 2. Breach of Privacy Rights : I was never informed of, nor did I consent to, the release of my educational data to these third parties. This is a direct violation of FERPA regulations. 3. Compromised Loan Agreement : If my student loan was issued or influenced by parties who illegally obtained my educational data, then its legitimacy and enforceability are in serious question. Requested Actions : In light of this FERPA violation and unauthorized third-party access, I demand the following immediate actions : A complete audit and review of my student loan records, including how my data was obtained and whether it was improperly shared. A written response within 30 days acknowledging my dispute and detailing the steps you will take to remedy this violation. I demand the immediate cancellation and discharge of my student loan ( s ) as they were obtained under legally questionable circumstances. If this matter is not resolved promptly, I am prepared to escalate my complaint to the U.S. Department of Educations Family Policy Compliance Office ( FPCO ), file a formal legal complaint, and pursue further action against the involved parties. I expect a prompt and fair resolution to this issue.

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 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Dear Sir/Madam, I am filing this dispute with the Consumer Financial Protection Bureau XXXX CFPB ) regarding inaccurate information reported on my credit reports by XXXX, XXXX, and XXXX. The accounts in question are both with XXXX XXXX Services : JPMCB Card Services ( Account Number : XXXX ) JPMCB Card Services ( Account Number : XXXX ) I am requesting that the CFPB facilitate an investigation into the following discrepancies and ensure that the credit reporting agencies correct the information as required under 15 USC 1681I ( Fair Credit Reporting Act ), 15 USC 1666b, and 15 USC 1681s-2.

Disputed Information for Both Accounts : Date Closed The reported closure dates appear to be inaccurate.

Payment History The reports list late payments that I dispute, as I have documentation confirming that all payments were made on time during the stated periods.

Charge-Off Status Both accounts are listed as charged off, but I have not received sufficient documentation supporting these claims.

Legal References for Dispute : 15 USC 1666b This law mandates that accurate information be reported, especially in regard to charges, payments, and any adjustments.

15 USC 1681I Under the Fair Credit Reporting Act, I am requesting a thorough investigation and correction of the disputed information within 30 days.

15 USC 1681s-2 I am also requesting that the creditors provide valid statements confirming compliance with the law regarding accurate and complete reporting to credit bureaus.

Additionally, I believe both accounts may have been reported as forgiven or written off. Please provide the 1099-C form ( s ) for these accounts, as it is critical for verifying their proper handling and reporting under tax and credit regulations. 

I request that the CFPB forward this dispute to XXXX, XXXX, and XXXX and assist in ensuring that these credit bureaus investigate and resolve these matters according to the applicable laws. Please notify me when action has been taken and provide confirmation that the necessary corrections have been made to my credit reports. 

I have attached supporting documents to help with the investigation. 

Thank you for your assistance in resolving these matters. I look forward to receiving confirmation of the investigation 's results and any actions taken. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: FL

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Source receivables : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 
[ Identify item ( XXXX ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section XXXX of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( XXXX ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of 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 2025-03-20 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:
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Source receivables : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 
[ Identify item ( XXXX ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section XXXX of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( XXXX ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of 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 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank
State: MO

Complaint narrative:
On XX/XX/XXXX I faxed a notice requesting First Progress to update credit reports pursuant to XXXX XXXX XXXX section XXXX ( a ) ( XXXX ) within XXXX ( XXXX ) days from receipt of notice. XXXX XXXX XXXX has not yet complied. On XX/XX/XXXX I sent a XXXX Official Notice : Demand to Correct Credit Report Pursuant to XXXX XXXX XXXX section XXXX ( a ) ( XXXX ), via XXXX XXXX Mail XXXX XXXX XXXX XXXX XXXX XXXX, a demand to immediate correct inaccurate account reporting XXXX XXXX XXXX XXXX, and XXXX credit reports. Specifically, account 's Monthly Payment, Balance, Date Updated, Payment Received, Last Payment Made and Terms that have not been updated with XXXX, XXXX or XXXX since XX/XX/XXXX. As a result, the information currently being reported is inaccurate, which is causing me harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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 a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX FIN XX/XX/XXXX XXXX XXXX FIN XX/XX/XXXX XXXX AUTO XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief