vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I added a Chase offer for 10 % cash back on XXXX XXXX online to my card through Chase rewards. I made a purchase on XX/XX/2025 on XXXX XXXX utilizing the link in the Chase offer to make a purchase. This link led me to XXXX where I navigated to XXXX XXXX and made a purchase for {$71.00}. I waited approximately two weeks for the cash back credit to my card which I never received. 

I contacted Chase via secure email multiple times to request the credit only to continuously get the runaround by their customer service agents. They stated that the offer did not meet the qualifications without any explanation. When I asked for clarification, I was informed that the purchase didnt meet qualifications because the offer was for in store purchases. There were two separate offers on their platform, one for online purchases and the other for in store. When I informed them of such, I was then told the offer didnt meet the qualifications because my purchase was made at XXXX XXXX XXXX rather than XXXX which is absurd because the transaction clearly states XXXX as the storefront and the category as groceries. 

Incredibly frustrating experience with Chase. Their customer service team clearly need some training around this type of issue as they are unhelpful and dishonest when contacting them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I've been receiving requests to pay a debt to LVNV since 2024. Since at least XX/XX/scrub> 2024, I've requested multiple times proof that this company owns the debt and is entitled to collect it. I've requested signed copies of their contract that shows they purchased debt and have the right to collect, in addition to contracts showing the chain of debt ownership. 

Every time I make this request, t I am sent a short list they printed out showing the chain of debt ownership from the original creditor down to LVNV. 

However, all it is is a short printed list. There is no actual proof that the list is valid or that they own this debt and are entitled to correct it. I've sent cease and desist letters requesting they remove the debt collections from my credit report and they refuse to provide proper proof of ownership or have the collections removed from all of my credit reports. 

Instead, they just have a different company reach out to request funds to pay the debt. I've had at least three to five separate companies try to collect this debt from me. As someone who is subjected to several data breaches, this is highly suspicious and I require adequate proof that this debt is owed and who is entitled to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: MA

Complaint narrative:
I am submitting this complaint because Experian is currently reporting an inaccurate and damaging charge-off account from XXXX XXXX XXXX XXXX account number ending in XXXX, listed with a charge-off date of XX/XX/year> and a balance of {$5300.00}. Despite multiple good-faith disputes and formal requests for verification, Experian has failed to properly reinvestigate or substantiate this derogatory entry in accordance with the Fair Credit Reporting Act ( FCRA ), particularly under 15 U.S.C. 1681e ( b ) and 1681i ( a ).

Under 1681e ( b ), Experian is required to maintain reasonable procedures to ensure the maximum possible accuracy of the information it reports. However, the continued inclusion of this charge-offwithout providing any supporting documentation that validates the accuracy, ownership, or completeness of the alleged debtdemonstrates a clear failure of Experian to uphold that duty. 

I submitted a formal dispute explaining the potential issues with this account and asked for a thorough reinvestigation. Instead, Experian relied on an automated data response system from the XXXX  XXXX XXXX conducting an independent, reasonable reinvestigation as required under XXXX681i ( a ) ( 1 ) ( A ). The law is clear : if a consumer disputes information and that information can not be verified with sufficient documentation, the reporting agency must delete it. Continuing to report unverifiable or inaccurate derogatory information causes real harm and violates federal consumer protection laws.

The presence of this charge-off has significantly damaged my credit score, directly impacting my ability to qualify for affordable housing, obtain credit, and secure auto financing on fair terms. It has caused me to be denied financial opportunities, face humiliating rejections, and experience an unnecessary level of stress, anxiety, and emotional distress. These consequences are not just theoreticalthey are real and ongoing. And all because of an account Experian refuses to properly verify or remove.

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 2025-07-23 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: FL

Complaint narrative:
Dispute of Unverifiable Accounts on Credit Report, Request for Removal Complaint : I am submitting this complaint regarding inaccurate and unverifiable information on my credit report, which continues to negatively impact my credit score despite my efforts to dispute these items with the credit bureaus.

I formally disputed these accounts under the Fair Credit Reporting Act ( FCRA ) Section 611 by sending certified letters to Experian, Equifax, and TransUnion, requesting validation and removal if unverifiable.

The following accounts remain on my report without proper verification : XXXXXXXX XXXX XXXX  approximately {$10000.00} balance XXXX XXXX XXXX XXXX approximately {$3800.00} balance XXXX  XXXX XXXX approximately {$5400.00} balance These accounts contain inaccurate balances, or lack sufficient documentation from the creditors. The credit bureaus have failed to provide adequate proof of these debts or correct my credit report. 

I request the CFPBs assistance in ensuring these accounts are thoroughly investigated and removed unless the furnishers provide original signed contracts or accurate, verifiable documentation supporting these debts. 

Thank you for your 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 2025-07-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MoneyLion Inc.
State: FL

Complaint narrative:
MoneyLion continues to withdraw money from my bank account even though Ive attempted to cancel my membership and revoke ACH and without my consent, the company continues to take money out. I have changed my card number and contacted my bank. I also have sent cancellation requests to MoneyLion customer support and asked them to revoke ACH authorization. I have contacted them multiple times with no resolution. I want all withdraws to stop, my account closed, and any unauthorized charges refunded. This is predatory behavior and I am requesting investigation as it appears again predatory and deceptive.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/year>, {$120.00} appeared in my Chase savings account. The transaction looked like a direct deposit and posted with a transaction ID. 

On XX/XX/XXXX, the exact amount was reversed using the same transaction ID, without my permission or action. I never initiated a transfer or withdrawal. The transaction does not show up in my checking account or activity logs. 

I called Chase to ask for an explanation. I was told " the money was never there, '' which contradicts what I saw in my online account history. I requested documentation and was told I had to visit a branch in person but I am XXXX hours away from where I live ( XXXX Fl ) and in a city with no Chase branch nearby XXXX XXXX ). 

I asked multiple times for a breakdown or written confirmation but was denied, hung up on, and dismissed without resolution. 

It appears Chase allowed funds to post, made them available, and then reversed the transaction without my request or authorization. This has caused confusion and concern about unauthorized internal access or activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: NJ

Complaint narrative:
On XX/XX/year>, I initiated a transfer in order to withdraw the funds from my Wise USD balance to my other bank account. Wise in response to this action suspended this requested transaction pending a verification process. I have been as cooperative to them as possible in responding to their queries and providing the documents that they have asked. Whenever I responded to them, It would take them multiple days or at least a week just to process my response/document submission. 

As of today XX/XX/year>, I'm still waiting for a resolution in order for me to withdraw my funds that are currently stuck in my Wise account since Wise will not even allow me to withdraw them. Normally an account restriction pending verification would still allow a customer to withdraw their own funds even though no other transaction ( third party ) is allowed. Wise would not even XXXX me that access. Ironically on XX/XX/year>, Wise was more than satisfied to accept my deposit to my account, but when it was time for me to make a withdrawal, all of a sudden it became a major issue which I found to be dishonest by this company. They should have initiated the verification process even before I made my deposit, because why even accept my deposit only to initiate a restriction thereafter? 

I already filed a formal complaint through Wise 's customer support via phone on XX/XX/year> which was acknowledged on XX/XX/year>. Until now the complaint yielded no resolution. I also submitted a letter to their Compliance team to answer any remaining queries and indicated to them that I have already provided an extensive amount of documents and there is nothing more that I can submit. I also implored to them to resolve this issue as soon as possible in order for me to withdraw my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRIAD FINANCIAL SERVICES, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX TN XXXX annually late pays the required property taxes. Every year since the house was purchased, XXXX has been late on paying the property taxes resulting in a " Notice of XXXX XXXX '' sent to me personally and every year I must request them to pay the required taxes. XXXX requires the mortgagee to scan and email delinquent tax forms to escrow XXXX. This year I emailed the late tax statement form XXXX XXXX on XX/XX/year>. I received the standard automated email....... 
" Dear Valued Customer, Thank you for contacting Triad Financial Services , Inc . If you have attached a tax or insurance bill, consider this your receipt and it will be handled accordingly. If you need to discuss matters concerning your escrow account, please contact our office at ( XXXX ) XXXX. '' It is in my opinion that Triad has intentionally delayed tax payments XXXX XXXX offices for additional interest revenue while passing the increasing escrow requirements onto the mortgagees. I have contacted Triad Escrow annually with no resolution. I believe this is considered a " default of mortgage '' by Triad. 

Because of the nature of lending and financing of a single wide manufactured mobile homes, I also believe this is a predatory action against a genre of mortgagees that do not have the financial capacity to dispute. It would be interesting to know if there are any mortgagees that have lost their houses to foreclosure/liens due to these predatory actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was recently reviewing my Credit Report and noticed that there were fraudulent accounts that I did not authorize.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute inaccurate, fraudulent, or unverifiable information on my credit report. I request that this account be removed from my Credit Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-23 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: FL

Complaint narrative:
I was recently reviewing my Credit Report and noticed that there were fraudulent accounts that I did not authorize.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute inaccurate, fraudulent, or unverifiable information on my credit report. I request that this account be removed from my Credit Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are several inaccuracies on my account that the investigation did not resolve

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 2025-07-23 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: GA

Complaint narrative:
There are several inaccuracies on my account that the investigation did not resolve

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: CT

Complaint narrative:
I've provided information to the company regarding a XXXX XXXX XXXX XXXX account that i have dispute vigorously. XXXX  XXXX is in violation of the Fair Credit Reporting Act. They have furnished incorrect information to the credit reporting agency over one hundred times. I have provided Equifax with proof of the discrepancy but they have failed to update my report accordingly. XXXX  XXXX is bitter about a previous case that I prevailed on in court and is trying to reage this account by not reporting the proper dates of delinquency. This is a disputed account where dealer fraud was involved which makes my contract null and void.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: GREENSKY OPERATIONS, LLC
State: VA

Complaint narrative:
I was offered an interest free 12 month loan when I contracted to have about {$6200.00} worth of work done by a national company. It was explained that the loan would be interest free if paid off within the 12 months after the loan was initiated. Payment was setup to be auto pay on a monthly basis ( 1/12 of the amount of the loan/month ) from my Bank. This is the method I use to pay most of my bills if they offer this process.

Last month when i checked my statement it showed that I had made 12 payments thus i felt I had repaid the interest free loan. Then this month i got another statement showing an additional payment plus information that my next payment would be due about one month in the future. I was confused so I called GreenSky customer service. The agent i spoke to was a bit hard to understand but from what I could make out she was saying that since I hadn't paid the loan off within the XXXX monts that i now had to pay interest. I asked how much i had already paid and was told $ XXXX. Next i asked to speak to a supervisor. Put on hold, she came back and said that the supervisor would be available shortly. Shortly a person comes on the phone and starts explaning that i didn't pay on time etc at which time i very sternly said you are not the supervisor you are the same person i was just speaking to. Put the supervisor on. Shortly a very understandble lady was on the line. I asked how muchI had already paid, was told the same as previously and that I was being charged the interest because I hadn't paid off on time. I explained that this was auto pay and that GreenSky controlled getting the money and if it wasn't requested on time i had nothing to do with it. I then asked how much I owed at the end of the 12month term of the loan. She said " XXXX cents ''. For a XXXX XXXX paid balance that I really shouldn't have owed I had already paid over {$550.00} interest and was to pay that amount again next month. Beyond that I don't know how long this game was going to go on. I did get a little excited and iinformed the lady that my last {$550.00} payment would be refunded immediately and any future bank withdrawls would be cancelled. My issue I " think '' has been resolved but i want it on record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2025-07-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MA

Complaint narrative:
The customer service person was very rude and would not connect me to a supervisor and they keep hanging up on me. 
I am writing to respectfully request a prompt review and refund of an overpayment made on my student loan account. Recently, I paid {$76000.00} toward my loan balance. However, the system continued to display an outstanding balance of {$11000.00}, which I then paid as well to ensure my account remained in good standing. 

After speaking with a representative, I was informed that the additional {$11000.00} was in fact an overpayment and that a refund may take up to 90 days to process, without any interest applied to that amount during the waiting period. As a recent XXXX  currently seeking employment, I am in urgent need of these funds and would greatly appreciate your assistance in expediting the refund process. I do not have a job and I really need the money to fill gas and pay my food bills I fully understand that operational procedures must be followed, but I kindly ask that you consider the hardship this delay places on me. If there is any way to shorten the processing time or escalate this request, I would be truly grateful. 

Thank you very much for your time and understanding. I look forward to your response and any updates you can provide.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-23 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: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-07-23 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are several inaccuracies on my credit report that needs attention

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: GA

Complaint narrative:
There are several inaccuracies on my credit report that needs attention

Company response to consumer: Closed with non-monetary relief