vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I am filing this complaint against Credence Resource Management ( CRM ), the current collector for a disputed XXXX  account, alleging a {$1000.00} balance. CRM is inaccurately reporting this invalid debt on my credit reports, causing significant harm to my credit score. I have had no active XXXX  XXXX  since XXXX, when I switched to XXXX. 

Key inaccuracies and issues : Impossible account dates : The account is falsely reported with a date of " XX/XX/XXXX '' ( or similar recent activity/open status ). This is factually impossiblethe current date is XX/XX/XXXX, and I canceled all XXXX XXXX  in XXXX upon switching carriers. I have had no XXXX  XXXX, internet, or other services since then. 

False unreturned equipment charges ( {$1000.00} total ) : XXXX  alleges failure to return an XXXX XXXX and a XXXX  XXXX. This is untrueI returned both items in good condition in XXXX when I canceled the account and ported my number to XXXX XXXX has provided XXXX evidence ( no return receipt denial, tracking number, serialized IMEI confirmation for the phone, or inventory records ) proving non-return. Under the Fair Credit Reporting Act ( FCRA ), furnishers must verify accuracy through a reasonable investigation ; unsubstantiated claims are insufficient. 

Implausible balance amount : The only equipment I had with XXXX  XXXX  was an XXXX XXXX ( valued at around {$200.00} at the time ) and a standard XXXX  XXXX  ( typically {$50.00} {$200.00} unreturned fee per XXXX policies ). There is XXXX chance of a legitimate {$1000.00} balance from these items alone, even if unreturned ( which they were not ). XXXXXXXX XXXX  standard unreturned equipment fees are based on device retail value and rarely exceed a few XXXX dollars per item. This amount appears inflated, erroneous, or improper. 

The entire {$1000.00} balance stems from these disputed and unproven equipment charges. CRM 's reporting of this unverifiable, inaccurate information violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ) by failing to conduct a reasonable investigation and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e ) by attempting to collect a debt not owed using false representations. I have not received proper validation despite the account 's age and my disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: IL

Complaint narrative:
Due to the fraudulent account, It have had a negative impact on my credit bring my score down and I have had a financial hardship due to this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I received {$590.00} via XXXX from an unknown person by mistake. They then requested a refund but not for the correct amount so I ignored it. Some days later they had not made another request for the money so I contacted BOA who said they would deal with it. A couple of days later the correct amount was requested via XXXX which I paid thinking BOA had contacted the person in question. 2 days later BOA paid the same person another {$590.00} from my account. I contacted BOA to get my money back as was told it could take up to 45 days. Today the 45 days were up so I contacted BOA for an update. They said they emailed me in XXXX but I never received an email from them. They said the recipient had refused to pay the money back and that I should contact the recipient directly. I am in the UK and have no idea of any details about this person so they have reopened my claim.

I feel that BOA should refund me the money as they did not check my account before sending this person another {$590.00}.

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 monetary relief
Consumer complaint received 2026-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In XXXX, I held two Chase credit cards. At the time, Chase questioned my identity under 911 doctrine. They requested permanent access to my social security file among other things which was egregious. I gave Chase temporary access to all the requested databases but I was unwilling to give Chase permanent access. As a result Chase threatened to close my accounts and negatively impact my credit if I did not comply to their extortion request. I made the decision to pay-off both accounts, close them, and move away from doing business with Chase. Fast forward to XXXX XXXX, I decided to give Chase another chance. I applied for a credit card and received a letter from Chase in the mail stating they felt someone had stolen my identity and applied for this card in my name. They requested me to go through a process to validate I indeed applied for this card. I completed this process and validated I submitted the application. Chase noticed they'd let me know about my application. I never heard from Chase again. They did not process my application. In fact they now have no record of my application. I don't know what's going on at Chase, they are the ONLY entity in the entire world whose every questioned my identity. However they are quite obviously misusing my personal information. They taken sensitive personal information during the application process and have irresponsibly mishandled my information. Their systems appear to be matching me with someone who's not me which has nothing to do with me and has everything to do with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: United Shore Financial Services, LLC
State: PA

Complaint narrative:
XX/XX/XXXXwas never removed as it should have been. Paid XX/XX/XXXXmonths ofXX/XX/XXXXas XXXX was below 78 %. I have been going back and forth with UWM for months.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: MI

Complaint narrative:
Date : XX/XX/year> Amount : {$840.00} Actions I took : I submitted a dispute with the credit bureaus ( XXXX XXXX regarding this collection. I requested documentation, including the original creditor contract, full payment history, and proof that the company owns this debt. 
Actions taken by the company : The company responded to the dispute but did not provide the requested documentation. No signed agreement, payment history, or proof of ownership was supplied.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA
State: SC

Complaint narrative:
I hired a law office to settle my account. Original settlement was for XXXX, i have paid XXXX. I fired the law office bc they were taxing me and putting me into monthly chaos financially at the end of everything. XXXX is trying to tack on additional {$600.00} asking for XXXX for settlement. Mind you they refused to take off any interest and later fees i accrued by following the law office advice which grew my balance as well. I'm trying to settle my account out in good faith and have my original settlement honored. I want to pay them XXXX and be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
I am submitting this complaint regarding JPMorgan Chase Bank, N.A.s refusal to properly investigate, reverse, and remediate unauthorized and deceptively induced credit card charges originating from offshore online gaming merchants that falsely advertised their services as free to play. These merchants do not hold a license in the United States and Chase has illegally transacted with these companies even after being put on notice and thus have yet to make me whole and resolve disputes against these companies. Chase has refused to investigate properly all while claiming in writing that I did have a valid claim against the merchant. They ignored the laws surrounding these transactions and have not upheld the standard of law for consumer protections and refuse to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: SUNRISE CREDIT SERVICES, INC
State: CT

Complaint narrative:
I received a text message alleging I owe a debt that I do not. There were two messages in a text that asked for my personal information

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 2026-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
Deliquent account on credit report for very low amount

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Affirm Holdings, Inc
State: MA

Complaint narrative:
Status : Charged off {$250.00} Key Issues : First payment never received is not proof of debt Balance increased from original {$230.00} {$250.00} Prior dispute in XX/XX/year> did not provide verification No evidence of signed agreement shown Company : Affirm Inc Account : XXXX I am disputing the accuracy and validity of this account. Affirm is reporting a charged-off balance without providing verification of an executed agreement, proof of authorization, or a complete payment history. 

The balance reported exceeds the original amount financed, and the notation first payment never received does not constitute validation under the Fair Credit Reporting Act. 

This account was previously disputed and remained unchanged without proper verification. I am requesting that Affirm either provide full validation of the debt or delete this tradeline due to failure to meet FCRA accuracy and verification requirements. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Control, LLC
State: FL

Complaint narrative:
I am filing this complaint against Credit Control LLC, the current debt collector for a XXXX account, which they are reporting on my credit reports as inaccurate, incomplete, and fraudulent. This same account was previously handled by XXXX XXXX, who responded to my prior CFPB complaint on XX/XX/XXXX. Despite my disputes, Credit Control LLC has continued reporting this invalid debt, causing harm to my credit score and financial opportunities. Details of the issue : The account is listed on my credit reports as " open '' in XX/XX/XXXX, which is impossible, as the current date is XX/XX/XXXX, and I have never had an active XXXX account in XXXX. The account was actually opened on XX/XX/XXXX, and closed in XX/XX/XXXX when I returned the equipment ( XXXX XXXXXXXX XXXX XXXX XXXXXXXX, and internet receiver ), paid the final balance ( last payment {$240.00} on XX/XX/XXXX ), and ported my number to another carrier XXXX XXXX XXXX XXXX XXXX XXXX ). XXXX alleges unreturned equipment valued at {$1000.00}, but this is untrue. I returned all devices in good condition around XX/XX/XXXX per XXXX 's policy ( which requires returns within specified windows with proof of purchase/receipt ). They have provided no evidence ( e.g., return confirmation, tracking, or inventory records ) proving non-return. Without such proof, this charge is invalid under FCRA 623 ( a ) ( 1 ) ( A ), as furnishers must maintain reasonable procedures for accuracy. My devices were financed through XXXXXXXX XXXX XXXXXXXX! On Demand program. Both phones were well over 50 % paid off by the time I closed the account ( supported by payment history and the last payment of {$240.00} on XX/XX/XXXX ). Under XXXX! terms, once a device reaches 50 % paid, the customer may return it in good condition and owe nothing further on the remaining lease balance. Since I returned the devices and exceeded the 50 % threshold, there can not legitimately be a {$1000.00} " unreturned equipment '' charge. This charge is invalid on its face and appears to be an error or improper billing practice. The claimed {$1600.00} ( breakdown : service {$400.00}, late fees {$91.00}, warranty {$12.00}, equipment {$1000.00}, XXXX {$150.00} ) stems from disputed post-return charges. XXXX temporarily removed it from reports as a courtesy ( up to 60 days for bureaus to update ), but Credit Control LLC has re-reported it inaccurately. This reporting violates FCRA ( 15 U.S.C. 1681s-2 ) by furnishing inaccurate information without reasonable investigation, and FDCPA ( 15 U.S.C. 1692e/f ) by attempting to collect a disputed, unverified debt. Credit Control LLC has not provided validation despite my prior disputes.

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 2026-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XXXX cricket wireless charged my account XXXX I contacted chime right away and said this was a fraudulent charge this was in Florida I live in California. I advised them that my card was stolen. They took the info and a week later denied my claim but sent me a new card. I got a police report and then disputed it again and they denied it since then the new card they have sent me I never used. I am currently trying to dispute the claim. I am getting other charges XXXX from a clipper mobile. I have had XXXX fraud alerts and they have now had to cancel the new card and send me another : I asked for a new account they are denying me. They told me to change my password and change my email. Which I have done. This bank is fraudulent, chime and don't protect your money or info. I want them to be accountable and give me back my money

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 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: TX

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

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 2026-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC XXXX ( b ) and 15 USC XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC XXXX ( b ) and 15 USC XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: FL

Complaint narrative:
I am filing a formal complaint regarding an unauthorized $ 10 monthly fee that was charged to my Surge credit card account ending in XXXX without prior notification or consent. 
I did not receive any written notice, email, billing statement disclosure, or account alert advising me of a new or changed monthly fee. Charging a recurring fee without proper notice is misleading and violates fair billing and disclosure practices.

I am requesting : An explanation for when and why this fee was added Immediate reversal of the {$10.00} charge Written confirmation that no additional undisclosed fees will be applied Please consider this a formal billing dispute. If this issue is not resolved promptly, I will escalate the matter to the Consumer Financial Protection Bureau ( CFPB ).

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 2026-01-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: SANTANDER HOLDINGS USA, INC.
State: DC

Complaint narrative:
I am completely locked out of my Openbank account.

Openbank requires push notifications to log in and also requires push authentication to reach customer support.

Push notifications are not being delivered to my device, leaving me with zero authentication channels to access my own funds.

This is a denial-of-access condition and a violation of

Regulation E and basic access-to-funds requirements. I am requesting immediate manual identity escalation and trusted device reset.

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 2026-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Envision Payment Solutions, Inc.
State: VA

Complaint narrative:
Received a written letter from Envision Payment Solutions stating that a check I wrote has been returned. They added a {$30.00} fee, and asked that I submit a payment to them for the original amount plus the fee. 

One of the check details was incorrect on their letter, making me think this was suspicious.

I received no notice from my bank that one of my checks has been returned unpaid. 

This appears to be an ongoing scam with this company.

Company response to consumer: Closed with explanation