vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 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 am a customer of Chase XXXX XXXX, and have recently activated the newly offered benefits available through the new revision of its benefits program. XXXX of those benefits is a {$300.00} statement credit for purchases made through XXXX using the XXXX XXXX card - the benefit breaks down into XXXX eligible time frames of {$150.00} from XXXX - XXXX and {$150.00} from XXXX - XXXX. I activated these benefits during the final week of XXXX and used my XXXX XXXX card to purchase a ticket on XXXX for {$140.00} on XX/XX/XXXX - Chase now shows my purchase posted on my statement for XX/XX/XXXX and there's a subsequent {$140.00} statement credit delivered back to my account on the same date. Chase has applied this statement credit to my XXXX - XXXX benefit window instead of properly applying it to my XXXX - XXXX benefit window, which is wrong. When calling into Chase customer service to resolve this issue representatives ( including supervisors ) claimed the system had properly applied my credit to the applicable time frame because they go off of when a payment is " processed by a merchant '' rather than when it was actually purchased by the purchaser. This flawed logic puts the consumer at risk of losing access to purchased benefits offered by Chase even when making a purchase within the benefit window. Chase and other credit card providers should honor the date that the purchase is made rather than then date that a merchant clears a transaction - consumers have no control over how long a merchant takes to process a transaction, which means that consumers can lose out on benefits that they have paid for because of a technicality that they have no influence in.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
On XX/XX/year>, Synchrony Bank ( CareCredit ) attempted to issue me a refund check for {$890.00} after their online system glitched while I was trying to make a payment. The site kept showing error, please try again, or to call. So I called in and processed the payment over the phone. The next day, I noticed the money had been withdrawn twice from my account. 

They issued a refund check on XX/XX/XXXX, but I was out of the country and did not deposit it until late XXXX. Once deposited, the check was reversed, and no one at Synchrony has been able to explain why. I called again on XX/XX/XXXX to inquire, and was told they would issue a second refund check, which would arrive in XXXX business days. 

Today is XX/XX/XXXX, and I still have not received that check. I called again and was told that the second check was voided and now a third check was supposedly sent, and again, I was told to wait another XXXX business days. When I requested that they send the refund via ACH direct deposit or expedited mail with tracking, they refused. 

I was transferred to a supervisor and explained that I have been waiting since XXXX and this delay is unacceptable. I asked : Why was the first check reversed? 
Can the next check be sent with tracking or via ACH? 

Instead of giving me answers, the supervisor began pretending he couldnt hear me, saying : Due to no response, we will be forced to end the call. 
This was false I could hear him clearly, and my phone line was working. The call ended abruptly without resolution. I have the recording of the call as evidence. 

This is now the fourth time Ive called, and each time I receive vague promises, no clear answers, and now Ive been treated with extreme unprofessionalism. Synchrony Bank has failed to : Explain why my refund was reversed, Provide tracking or proof that my check was sent, Offer an alternative refund method, Treat me with basic respect on the call. 

It is now XX/XX/XXXX, over XXXX months from the original refund date, and I still do not have my money. This has been a financial burden and a complete failure of customer service.

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 2025-07-21 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: GA

Complaint narrative:
My name is XXXX XXXX. I am submitting this complaint without any influence from any party or agency. Please see attached documents and id as it contains my full complaint and request.

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 2025-07-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Self Financial Inc.
State: TN

Complaint narrative:
I am writing to formally dispute the accuracy and legal validity of the above-referenced account that appears on my credit report dated XX/XX/year>, confirmation number XXXX. 

This account is being reported with a status of XXXX days past due and reflects payment history that is inaccurate, incomplete, and potentially unverifiable, in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 and applicable regulations under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692.

LEGAL GROUNDS FOR DISPUTE : 1.Violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Consumer reporting agencies are required to conduct a reasonable reinvestigation of any item disputed by a consumer. I demand such reinvestigation and the removal of this item if it can not be fully verified.

2.Violation of 15 U.S.C. 1681s-2 ( b ) The data furnisher ( Lead Bank ) is required to : Conduct a proper investigation upon notice of dispute.

Correct or delete any information found to be inaccurate or incomplete.

Report results back to the credit bureau within 30 days.

3.Violation of 15 U.S.C. 1681e ( b ) XXXX  has a duty to report only accurate and up-to-date information. Reporting this account with multiple derogatory notations, despite the presence of payment activity and no verifiable 30-day delinquency, indicates a failure to maintain maximum possible accuracy.

4.Violation of 15 U.S.C. 1681c ( a ) No outdated adverse information ( such as late payments over XXXX  years old ) should be reported. You are also required to block unverifiable data if it can not be confirmed during reinvestigation.

ACTION REQUESTED : Immediately delete this account and all associated derogatory marks from my credit file.

Provide written confirmation of the deletion.

If verification is attempted, I demand the name, address, phone number, and documentation used to verify this item under FCRA Section 609 ( a ) ( 1 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: NY

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX  XXXX BANK # XXXX XX/XX/XXXX -- {$360.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} INQUIRIES : XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX CARD SERVICE XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: TX

Complaint narrative:
b'I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act (FCRA). Specifically, I am disputing several inquiries that are incorrectly reported or showing inaccurate data. Below are the details of the inquiries in question\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
I got a notification regarding an unauthorized credit report inquiry that was hard and affected my credit. The bank its called XXXX  and the unauthorized card inquiry report XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-07-21 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: TN

Complaint narrative:
Inaccurate & unverified information was recently reported on my Equifax credit report. According to the Fair Credit Reporting Act ( FCRA ) Law 15 U.S.C. & 1681, the recently late payments & false information reporting must be removed ASAP.

View full complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Carvana Group, LLC
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Notice of Diminished Value, Breach of Warranty, and Consumer Fraud VIN : XXXX XXXX XXXX XXXX XXXXXXXX Department, I am writing to formally place you on notice regarding your sale of a defective vehicle and to demand remedy pursuant to the Michigan Consumer Protection Act, Uniform Commercial Code, and federal warranty laws. 

On or about [ insert XXXX purchase date ], I purchased a vehicle from XXXX ( XXXX : XXXX ). Immediately after purchase, the vehicle suffered critical mechanical failures, including transmission malfunction and braking system issues. The vehicle was unusable and remained in service for three ( 3 ) consecutive months following delivery. I received no replacement, no loaner, no compensation, and no reassessment of the vehicles value during this period of loss of use.

Further, as of today, the vehicle still exhibits performance issues, including an active check engine light related to the XXXX system. The vehicle is not in reliable operating condition, and this represents an ongoing failure of your duty to deliver a roadworthy vehicle fit for its intended purpose. 

This situation constitutes : Breach of the implied warranty of merchantability and fitness Violation of Michigan XXXX XXXX XXXX ( XXXX XXXX ) Misrepresentation and possible fraud by omission Potential violation of the federal Magnuson-Moss Warranty Act Vehicle purchased XX/XX/year> from XXXX, XXXX, subsequently transferred to different loan servicer without notice. 
Immediate mechanical defects ( transmission, brakes, XXXX  system ) Vehicle was in repair shop for 3 months from XX/XX/year> to XX/XX/year> Still not in full working order ( check engine light active ) No value reassessment, no compensation Still being charged full loan payments by XXXX Due to these unresolved and compounding issues, I hereby demand the following within 15 days : XXXX. Compensation for diminished value of the vehicle 2. Reimbursement for the 3-month loss of use 3. Immediate reassessment of the vehicles current value 4. Optional : Full rescission of the sale contract and cancellation of the related loan 5. All future issues documented and disclosed in a written inspection report If this matter is not resolved within 15 days, I will file formal complaints with the Michigan Attorney General, CFPB, and FTC, and will initiate a claim in Michigan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX all rights reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: NY

Complaint narrative:
I filed formal disputes with the credit bureau concerning inaccurate and unverifiable accounts on my credit report. Under the Fair Credit Reporting Act ( FCRA XXXX ( a ) ), the bureau is required to conduct a reasonable reinvestigation within 30 days, consult with the original furnishers, and provide me with written verification or remove the information if it is unverifiable. Instead, the bureau appears to rely on automated systems ( such as eOSCAR ) without requesting or reviewing original source documents, in violation of its duty to maintain maximum possible accuracy under FCRA XXXX ( b ) / XXXX XXXX. 
XXXX ( b ). The XXXX XX/XX/year> enforcement action against Equifax ( resulting in a {$15.00} XXXX penalty ) confirms that these automated or superficial checks do not meet the reinvestigation requirements of the law. I requested detailed information about their reinvestigation process and copies of any verification or certification they obtained from the furnishers. They failed to provide this documentation and have continued reporting the disputed items without proof. XXXXXXXX XXXX XXXXXXXX XXXX....

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: TX

Complaint narrative:
Was denied discharge of my private student loans. Submitted Loan discharge application based off of previous federal loan discharge due to borrower defense and after finding that private loans could be discharged due to the same circumstance. Loan discharge was denied and i feel that previous federal loan discharge due to borrower defense was not taken into account. School I had attended was found to be fraudulent by the US Government.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: IN

Complaint narrative:
I was approved for full loan discharge under the XXXX XXXX to XXXX XXXX XXXX XXXX XXXX My FSA account shows a discharge amount of {$190000.00} applied entirely to principal, effective XX/XX/XXXX. These loans had already been at {$0.00} due to PSLF forgiveness in XXXX, but I am owed a refund because I made payments on loans tied to ineligible schools ( XXXX XXXX  and possibly XXXX XXXX XXXX- i can not tell if this amount includes both ). 

Based on MOHELAs transaction history and loan data, I appear to be owed approximately {$56000.00} in total refunds, yet I have only received {$2200.00} - XXXX  years ago. The remaining amount has not been paid, and no timeline has been provided. 

I received inbox messages from MOHELA stating that a refund of approximately {$32000.00} had been sent to the Treasury. I have copies of multiple messages confirming this and the date it was sent to treasury. However, after contacting the U.S. Department of the Treasury, they have no record of a refund in my name. I then called MOHELA again and was told by a supervisor that no refund had actually been processed, contradicting earlier messages. She apologized and said she would resubmit the request and escalate it for processing. It's been well over XXXX days and now being told they will escalate their internal processing. 

MOHELA has provided conflicting information via messages, phone calls, and account updates. My account history shows multiple adjustments and reversals without explanation. I have submitted XXXX unresolved FSA complaints ( submitted XX/XX/XXXX and XX/XX/XXXX ), and no one has followed up. 

Other XXXX borrowers discharged on similar timelines have received their refunds within 30 days, while Ive been waiting for months without resolution. 

I am requesting : XXXX. A full breakdown of the refund amount owed by loan and school. 


XXXX. Immediate processing of the full refund to me. 


XXXX. A written explanation of why MOHELA claimed the refund was sent to Treasury when it was not. 


XXXX. An investigation into why my case remains stalled despite full discharge approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: FL

Complaint narrative:
I previously submitted a valid identity theft dispute under FCRA 605B, including : 1. A signed FTC Identity Theft Report 2. A police report filed with my local Police Department 3. A written statement explaining the fraud Under federal law, you are required to block fraudulent information from my file within 4 business days of receiving a valid identity theft report. You have failed to do so, which constitutes a willful violation of federal law. Furthermore, I have issued a written revocation of authorization to each furnisher. Continued reporting of these accounts without a permissible purpose is now considered unauthorized data furnishing under FCRA 604.

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 2025-07-21 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: GA

Complaint narrative:
as of XX/XX/year> I discovered my information had been compromised my Social Security number and personal information such as my address and phone numbers were leaked and I noticed several fraudulent accounts on my credit report. The fraudulent accounts are missionlntab XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and relating inquiries to these fraudulent accounts

Company response to consumer: Closed with non-monetary relief