vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Chime Financial Inc
State: WA

Complaint narrative:
I am filing a complaint against Chime Financial , IncXXXX in XXXX with XXXX, XXXX ( operating as " The Opinion Terminal, '' theopinionterminal.com ), for deceptive practices related to a co-sponsored financial product promotional offer. On XX/XX/year>, I enrolled in a co-sponsored offer through The Opinion Terminal requiring me to ( XXXX ) open a new Chime bank account and ( XXXX ) receive a qualifying direct deposit of {$200.00} within XXXX days of enrollment, in exchange for XXXX XXXX ( Alaska XXXX ) reward points. I have a screenshot documenting these exact terms taken at the time of enrollment. In reliance on these terms, I opened a new Chime account that same day ( XX/XX/XXXX ) using the offer link provided, and completed the required {$200.00} direct deposit on XX/XX/year> well within the XXXX window stated in the offer. Upon completing both requirements, I received only XXXX points instead of the promised XXXX. When I contacted The XXXX XXXX 's support team ( Ticket # XXXX ), they initially requested documentation, which I provided in full. After several weeks of follow-ups, they informed me on XX/XX/year> that the offer amount had been lowered on XX/XX/year> a deadline that was not disclosed at the time of enrollment and that directly contradicts the XXXX completion window in the offer terms. The XXXX XXXX agent informed me that both XXXX XXXX XXXX and Chime jointly changed the offer contract to lower the amount after I had already enrolled and opened a new Chime account. Retroactively applying a different offer amount after I had already opened a new financial account and redirected funds in reliance on the advertised terms is a deceptive practice in connection with Chime 's advertising and financial products. I would not have opened a Chime account or redirected funds had it not been for the offer exactly as written when I enrolled. The monetary value of the XXXX withheld points is approximately {$1200.00}, based on Alaska XXXX ' published price to purchase that amount of points directly. Despite repeated follow-ups from XX/XX/XXXX through XX/XX/year>, no resolution has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 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: NJ

Complaint narrative:
I want you to immediately remove this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law Office of Michael J. Scott, PC
State: TX

Complaint narrative:
I recently went to court on XX/XX/year> for a debt that was owed by my wife to XXXX XXXX. She has passed away and a third party named Scott & Associates is attempting to go after the estate for the debt. The are not the original creditor and have no legal grounds to sue unless they provide validation of the debt owed. They are a third party debt collector and can not collect funds on a debt that was not originally issued by them. I have spoken to XX/XX/XXXXXXXX and was told not to worry about the debt as it will be charged off because my wife has passed away. I am able to send in death certificate paperwork as well. I believe my consumer rights are being violated by this third party and would like to settle this issue once and for all. The stress and grief of this whole situation is overwhelming. 15 usc XXXXg states that a collector must send a written notice containing a statement that unless the consumer disputes the debt in writing withinXX/XX/XXXX days after the notice the debt is assumed to be valid. 15 usc XXXX ( c ) also states that if the consumer does not dispute the debt, that failure can not be treated as an admission of liability in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
My name is XXXX XXXX and I got a Care credit Card around XXXX ofXX/XX/2024. I put about {$1300.00} on the card. I was told I needed to the card off in a year in order to not receive any interest. I paid a few XXXX initially on the card and then paid {$200.00} every month except XXXX where they took an extra {$200.00} out of my account for some reason. I was told through a Care credit advisor that anytime you put a charge on the card as long as you pay it off within time frame they allot, you don't get charged any interest. Well I put another XXXX charges on the card. All of these charges were for dental work. I was not told that the last XXXX charges needed to be paid right away. Had I have known, I never would have put the charge on that card. In fact, had I have known how ridiculous the fees were, I would have never got this card to begin with. It's awful. Due to the poor description of the card by the advisor, I had been charged an interest fee of {$390.00}, I believe in XXXX of this year and then another charge of XXXX in XXXX and I believe the last charge was only XXXX. As soon as I found out about these charges late XXXX, I called and spoke to XXXX and then when XXXX couldn't help me I was transferred to XXXX, the XXXX who also told me there was nothing he could do. I completely paid off the rest of what was on my card, any remainder of my past charges. It was a little over {$600.00}. That being said, I don't believe that it's fair that I was told XXXX things and charged close to {$500.00} in interest. Had I have understood how the card actually worked I would have never had allowed that to happen. It's disgusting that these companies are profiting off people that don't even understand the card. It was my fault for not checking my account regularly. Although we would get charged for statements and online they make it quite difficult to even get a statement, or to look up anything. There is about {$480.00} left on that card, which was all interest charges. I would just like my account closed and for that to be be written off since it was received through lies and trickery.

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 2026-03-30 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: MOHELA
State: IN

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting and servicing errors by MOHELA. My student loan account shows delinquent payment history during periods when I should not have been reported as late. From XX/XX/XXXX through XX/XX/XXXX, my loans were under the federal COVID-19 payment pause, during which payments were not required and negative reporting was prohibited. From XX/XX/XXXX through XX/XX/XXXX, the federal government implemented an on-ramp period in which missed payments were not to be reported as delinquent. Despite this, MOHELA reported late payments during this time. When repayment resumed, I applied for an Income-Driven Repayment ( IDR ) plan. My application was delayed or denied, and I was unable to reach MOHELA despite multiple attempts due to excessive wait times. My account should have been placed into administrative forbearance during this period.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
I am submitting a formal complaint regarding both the conduct of XXXX XXXX XXXX and the handling of my prior complaint. On or about XX/XX/2025, a lease was approved using income information that I did not provide, authorize, or verify. The income listed is materially inaccurate and does not match my actual earnings. I was not provided a copy of the credit application at the time of signing and did not have the opportunity to review or confirm the information submitted. My signature on the lease does not validate false or misleading financial information. Under California XXXX XXXX XXXX, XXXX, and XXXX ( b ) ( XXXX ), a contract may be rescinded where consent was obtained through fraud, misrepresentation, or mistake. Under California XXXX XXXX XXXX and XXXX, a licensed dealer has a duty to avoid false or misleading statements and to maintain accurate records in connection with vehicle transactions. The lease agreement itself states that the lease may be canceled for legal cause, such as fraud. It also states that false or misleading information in a lease application is material under the contract. In other words, the presence of a signature does not end the inquiry where the issue is whether inaccurate information was submitted and used to obtain approval. Despite submitting documentation showing these discrepancies, the response I received relied mainly on the existence of a signature and did not address the accuracy, source, or verification of the income used to obtain financing. A proper investigation requires determining whether the information submitted was truthful and actually provided by the applicant, not simply whether a document was signed. To date, I have not received confirmation that my evidence was fully reviewed, nor a timely or substantive response addressing these issues. This raises concerns regarding both the dealerships conduct and the adequacy of the investigation performed. I am requesting : XXXX. A complete investigation into how the income information was entered and whether it was verified XXXX. A determination as to whether the dealership complied with applicable California laws and the lease terms regarding truthful information XXXX. A written response addressing these issues within a reasonable timeframe

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 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: Prog Holdings, Inc.
State: TX

Complaint narrative:
Hello, I am submitting a complaint regarding my Four app account. I was charged two separate late fees ( {$7.00} and {$8.00} ) for a single missed payment which I paid in XXXX and XXXX ( overpayment total of {$16.00} ). According to Fours policy, there should only be one late fee per missed payment. I currently have 3 additional {$8.00} fees but I already paid the 3 {$7.00} fees I was supposed to pay. I have contacted Four customer service multiple times, and their responses have been inconsistent. They have not explained why two fees were applied for a single missed payment, nor have they corrected the charges. I am requesting that Four : 1. Remove the current duplicate fee ( s ) applied to my account. 2. Refund any fees I have overpaid due to this issue. 3. Provide a clear explanation of why the extra fee was charged. Account Email : XXXX Payment Date ( s ) of Missed Installment : XX/XX/year> ; XX/XX/year> ; XX/XX/year> ; XX/XX/year> ; XX/XX/year> ; XX/XX/year> ; XX/XX/year> ; XX/XX/year> Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Navy Federal Credit Union is reporting a closed account on my credit report for account number ending in XX/XX/XXXXXXXX with a balance of {$7800.00}. I have concerns regarding the accuracy of the reporting, the lack of documentation, and insufficient communication related to this account. I have not been provided with clear or complete information regarding : How the current balance of {$7800.00} was calculated A full payment history showing how payments were applied Any itemization of fees, interest, or charges contributing to the balance Documentation supporting the final charged or closed balance Additionally, I did not receive adequate communication regarding : The status of the account prior to closure Any opportunities to resolve or cure the account before it was reported negatively Clear notice of how and when this account was reported to the credit bureaus Because of this lack of transparency, I am concerned that : The balance may be inaccurate or improperly calculated There may be missing or misapplied payments The account may be reported incompletely or inaccurately Consumer Rights Concern These issues raise concerns under : The Fair Credit Reporting Act ( FCRA ) requires accurate and complete reporting Consumer protection standards require proper disclosure and documentation of account activity

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: AL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the validity of the alleged debt you claim I owe to XXXX XXXX. After carefully reviewing the information associated with this account, I have determined that the details you have reported are inaccurate, incomplete, and do not reflect any legitimate financial obligation on my part. Under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am requesting full validation of this debt. This includes, but is not limited to, a complete accounting of the alleged balance, copies of any signed agreements or contracts bearing my signature, detailed billing statements, and documentation proving that I am legally responsible for this debt. Until such validation is provided, you are required to cease all collection activities. Furthermore, the information currently being reported is incorrect and is causing harm to my financial standing. If you are unable to provide proper verification of this debt, I demand that this account be immediately removed from all credit reporting agencies and that all negative reporting associated with it be deleted. Additionally, this letter serves as a formal cease and desist notice. You are hereby instructed to immediately stop all communication with me regarding this matter, including phone calls, emails, text messages, and any other forms of contact. The only exception to this request is written correspondence confirming either : XXXX. That the debt has been fully validated with supporting documentation, or XXXX. That the account has been closed and removed from all credit reporting agencies. Be advised that any further attempt to collect on this unverified and disputed debt, or continued reporting of inaccurate information, will be documented and may result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. I also reserve the right to pursue legal action for any violations of federal law. This matter requires your immediate attention. I expect a written response within XXXX days of receipt of this letter. Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL. ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
In XXXX I called Citibank and spoke to the representative and requested my payoff amount. It was over XXXX. I paid in full and was told my balance was XXXX as I paid in full. On XX/XX/XXXX I called Citibank and spoke to representative because I received a suspicious email that was supposed to be from Citi, I was afraid that someone stole my identity, I asked what my balance was and he said you have a balance of over {$200.00} XXXX reported to him that I have made no charges and paid off the card in full. After being on hold quite sometime he said no one used the card it was interest on my account. I dont know how I owe interest when I paid the card in full. He said it was interest accrued that came out after I paid in full. How can I have an interest charge when I paid off the card? At that point I requested to close the account.

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 2026-03-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC
State: PA

Complaint narrative:
XXXX. The solar system associated with this financing was installed by XXXX XXXX XXXX, later acquired by XXXX XXXX. The system has never functioned as represented and required extensive troubleshooting efforts after installation. XXXX. XXXX XXXX acknowledged performance issues after taking over the account. Despite prolonged troubleshooting, the system continues to experience functionality problems. XXXX. During installation, a hole was created in my roof, causing water intrusion along a structural beam, resulting in freezing, thawing, and interior leakage. This constitutes property damage directly related to the installation. XXXX. I was never provided a complete executed copy of the loan or financing agreement. I was instructed to electronically sign partial documentation with the promise that full contract documents would follow. They never did. XXXX. Due to installer failure, system defects, and property damage, the validity and enforceability of this alleged obligation are disputed under applicable consumer protection laws and the FTC XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Central Portfolio Control Inc.
State: CO

Complaint narrative:
Central Portfolio Control is reporting a collection account on my credit report for {$56.00} originating from XXXX XXXX XXXX. I was a member of XXXX XXXX XXXX for 8 years ( XX/XX/XXXX to XX/XX/XXXX ). When I closed my account, I brought the balance to XXXX A {$56.00} charge posted after closure without my knowledge. The balance now reflects {$0.00}. I was not given adequate notice of this charge before it was sent to collections. I contacted XXXX XXXX XXXX directly and offered to pay the full amount plus fees. My request for removal was denied. This collection tradeline on a resolved {$0.00} balance is causing significant damage to my credit score, which is currently XXXX on XXXX XXXXXXXX rather than the XXXX range my history supports. I am preparing to apply for a mortgage and the rate impact will cost XXXX XXXX XXXX of dollars. I am requesting that Central Portfolio Control delete this tradeline from my credit report with all three bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NY

Complaint narrative:
I had tried to withdaw money from my chime account and atm showes up as i did but atm didnt dispense cash. I filed a dispute and already XXXX weeks + has passed still they investigating!? I havent even received any provisional credit back and they accuse it as it being a credit builder account they dont send provisional credit for credit buillder account. But the concern is that credit builder and debit card transactions are charged from the same account! So why they are going treat it differently?! I need my money back. XXXX a try struggling really bad and need my money back fast

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: FL

Complaint narrative:
I was doing online shopping and was reviewing my recent transactions for XXXX on XX/XX/year>. I noticed I had A XXXX charge with XXXX XXXX XXXX which was originally declined but was tried A second time. I reviewed the details and reached out to the card distributor ( Chime ) to let them know I had A unauthorized charge from my physical card, I ordered A new one while they informed me they would be completing an investigation. They told me the investigation should take up to 40days but I received A response immediately stating that my claim was denied. When I called in for details they told me they couldnt tell me much but the can reopen the dispute and I can add new supporting details like A screen shot of where I was at the time of the transaction. So I did just that, and this time I asked for A copy of the investigation that was being completed. I received another denial and they gave me A outline of what they looked for to support their decision but none of it applied to my situation. They didnt review my location, they didnt review the transactions that were completed for other locations within that day, they didnt review that my cards have been locked since the unauthorized charge was reported. These are all supporting details that confirms my charge was unauthorized. By the 3rd time of me calling I had to ask the Chime advisor how exactly do they complete unauthorized charges if you cant provide supporting details with the photos, theres no email address to reach out to, and they attempted to tell me that my issue isnt able to be escalated any further. I found this to be A bit condescending since you have to make all claims directly through the app. It made me start asking other questions about security with my funds and the customer service agent and the supervisor werent able to give me any clear answers, they kept trying to tell me what I was trying to say or what Im asking them to do oh we know you just want us to refund the money, when I actually asked how do you guys complete these investigations and why do you quote 40days for the wait time? Overall Ive spent at least 4 hours of my time on the phone with Chime just for them to tell me to provide more supporting details for the investigation and they are not using the information they actually have. This is also causing A major confusion because most customers think Chime works much like A traditional bank aside from it being based online but from the last conversation I had with A supervisor I was told they are just A banking entity not A financial institution and they dont have to provide traditional financial insurance that banks usually have. This is A major security concern and could definitely affect A wide majority of customers using them.

Company response to consumer: Closed with explanation