vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Control, LLC
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/year> Credit Control LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MO XXXX RE : Formal Request for Debt Validation Under 15 U.S.C. 1692g ( b ) To Whom It May Concern, I am writing in response to a collection notice received regarding an alleged debt that you claim I owe. I do not acknowledge this debt and am exercising my right under the * * Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) * *, to request * * full validation and verification * * of the alleged debt.

Please provide all of the following information and documentation : 1. * * The name and address of the original creditor * *, and the original account number.

2. * * A full itemized breakdown * * of the debt, including : - Principal - Interest - Fees - Payments or credits applied 3. A * * copy of the original signed contract or agreement * * that created the debt.

4. A * * complete copy of the assignment or purchase agreement * * ( assignment contract ) that shows Credit Control LLC has the legal right to collect this debt, including the * * chain of custody * * from the original creditor to your company.

5. The * * date Credit Control LLC acquired the debt * *, and from whom.

6. * * Proof that the statute of limitations * * on this debt has not expired.

7. Proof of your * * authorization to collect debts in my state * * ( license or registration if required by law ).

8. Any * * verification provided to credit bureaus * * ( if youve reported this account ), and a statement of your intent regarding continued reporting.

Until you provide the above information, you must * * cease all collection activities * *, including calls, letters, and any credit reporting, as required by federal law.

Please note : This is not a refusal to pay, but a request for validation under the FDCPA. Be advised that I am keeping records of all correspondence regarding this matter and will not hesitate to report violations to the * * Consumer Financial Protection Bureau ( CFPB ) * *, the * * Federal Trade Commission ( FTC ) * *, and my * * State Attorney Generals office * *. 

I request that all future communication be in writing only. 

Sincerely, 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 2025-09-23 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: AR

Complaint narrative:
I hereby contest the late payment and delinquent status currently reported. Those entries are not accurate, and I request that they be updated to Paid as Agreed and all references to delinquency be erased.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: CA

Complaint narrative:
To Whom It May Concern, I have reported Chime to the Federal Trade Commission ( FTC ) for what I believe to be false advertising. 

Chime 's website advertised a promotional offer for its checking account, stating that new users could earn up to {$350.00} by meeting specific direct deposit requirements. According to the promotion, a direct deposit of {$250.00} in the first month would result in a {$100.00} bonus, a second {$250.00} deposit in the following month would trigger another {$100.00} bonus, and a third {$250.00} deposit in the third month would yield the final {$150.00} bonus. 

Motivated by this advertised offer, I proceeded to open a Chime account. However, after doing so, I discovered that no such promotion appeared to be associated with my account. I contacted Chimes customer service to seek clarification. 

My call was first answered by a female representative who was speaking XXXX ; however, her speech was extremely difficult to understand. She initially mentioned something about a {$250.00} deposit and then suddenly referenced a {$500.00} requirementneither of which matched the terms advertised on Chime 's website. 

I requested to speak with a XXXX. A XXXX XXXXXXXX came on the line, and unfortunately, the communication issues persisted. Despite speaking XXXX, her articulation was equally difficult to follow. When she seemingly ran out of explanations, she stated that she could not understand me either. I do not believe this is the fault of the individual employees, but rather a result of Chimes cost-cutting decision to outsource customer service operations to offshore teams that are not adequately equipped to handle English-language customer support. 

The XXXX stated that no such {$350.00} promotion could be found in their system. Instead, she began referencing other unrelated promotionsone involving a {$200.00} bonus, another about {$100.00} cashback on purchases, and again, something about a {$500.00} deposit. 

This experience was both confusing and frustrating. The inconsistencies in communication, the lack of clarity, and the absence of proper customer service training point to a larger issue. It appears that customers are being misled by promotional offers that either do not exist or are not being honored. Based on my experience, it seems evident that this is a tactic to drive account sign-ups under false pretenses. 

I have formally reported this matter to the FTC and other relevant regulatory authorities. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: NJ

Complaint narrative:
I am sending to bring to your attention the presence of inaccurate information on my credit report with your agency. The incorrect details are as follows : 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  The aforementioned inaccuracies are materially affecting my creditworthiness and causing harm to my financial well-being. I believe it is crucial to rectify these errors promptly. 

I have conducted a thorough review of my financial records and can provide supporting evidence to substantiate my claims regarding the inaccuracies. Attached to this affidavit are copies of relevant documents that demonstrate the discrepancies, including but not limited to : Bank statements, payment receipts, and correspondence with creditors I request that you undertake a complete and fair investigation into these matters and take appropriate action to remove the inaccurate information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of the information you maintain and report. 

Furthermore, I request that you provide me with a written notification upon completion of your investigation, including details of the actions taken, any changes made to my credit report, and a revised copy of my credit report reflecting the accurate and updated 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 non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I asked this company to submit proof to me that a credit reporting agency told them that my account was fraudulent. They never told me which one told them this nor did they provide any evidence of fraud was reported to them. However, they keep sending me a demand of payment after they stated it was fraud. If this account was closed because of fraud it negates me responsibility of payment. It relieves me of financial responsibility according to request immediate relief from any financial obligations associated with this account. I have been informed that the account was closed due to allegations of fraudulent activity, purportedly based on information from a credit reporting agency. However, I have not been provided with any documentation or evidence substantiating these claims. 
Under the Fair Credit Billing Act ( 15 U.S.C. 16661666j ), I am entitled to dispute charges and request verification of any alleged fraudulent activity. Additionally, the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) mandates that furnishers of information to consumer reporting agencies must have reasonable procedures in place to respond to disputes and must not report information that is known to be inaccurate. They keep sending generic responses. I previously made a complaint about this same company in XX/XX/year>. They stated that now they can close my account for whatever reason they want to which is causing harm to my credit and reputation. That is NOT why they conveyed they closed my account. This company is not being held accountable and they lack integrity!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: EQUIFAX, INC.
State: AR

Complaint narrative:
A furnisher, XXXX, has reported inaccurate information to the credit bureaus in violation of FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ), which prohibits reporting information known to be inaccurate. Specifically, they have reported a " late closed '' status on an account with a {$0.00} balance. Despite notifying the furnisher of the error through my dispute, they have continued to verify the incorrect information without providing any evidence to substantiate the claim. This inaccurate reporting has caused ongoing harm to my creditworthiness by maintaining a false delinquency status on my credit report. 

Additionally, XXXX XXXX has reported a collection account for a {$500.00} balance, originating from XXXXXXXX XXXX  I dispute the validity of this debt, as XXXX XXXX has not provided any documentation verifying the debts legitimacy, ownership, or accuracy. Despite my dispute, this account continues to be reported without adequate evidence to support its claim. This, too, is damaging my credit profile. 

Furthermore, several unauthorized credit inquiries have appeared on my report from entities such as 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 XXXXXX/XX/XXXX ). I did not authorize these inquiries, and the respective entities have failed to provide verification that these inquiries were made with my explicit consent or for a permissible purpose under FCRA 604 ( a ) ( 3 ). These unauthorized inquiries are continuing to negatively impact my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
A furnisher, XXXX, has reported inaccurate information to the credit bureaus in violation of FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ), which prohibits reporting information known to be inaccurate. Specifically, they have reported a " late closed '' status on an account with a {$0.00} balance. Despite notifying the furnisher of the error through my dispute, they have continued to verify the incorrect information without providing any evidence to substantiate the claim. This inaccurate reporting has caused ongoing harm to my creditworthiness by maintaining a false delinquency status on my credit report. 

Additionally, XXXX XXXX has reported a collection account for a {$500.00} balance, originating from XXXXXXXX XXXX  I dispute the validity of this debt, as XXXX XXXX has not provided any documentation verifying the debts legitimacy, ownership, or accuracy. Despite my dispute, this account continues to be reported without adequate evidence to support its claim. This, too, is damaging my credit profile. 

Furthermore, several unauthorized credit inquiries have appeared on my report from entities such as 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 XXXXXX/XX/XXXX ). I did not authorize these inquiries, and the respective entities have failed to provide verification that these inquiries were made with my explicit consent or for a permissible purpose under FCRA 604 ( a ) ( 3 ). These unauthorized inquiries are continuing to negatively impact my credit score.

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 2025-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: NC

Complaint narrative:
I previously filed a CFPB complaint against U.S. Bank, which was closed. Since then, I have obtained new written evidence that shows U.S. Bank charged me fees on an inactive account in violation of their own policy. 

U.S. Banks own XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) states that if a user does not log in for 90 days, the account status becomes Inactive, and the user must be reactivated to regain access. An inactive user can not log in or use services. 

Despite this rule, in a letter dated XX/XX/XXXX, U.S. Bank admitted : XXXX  XXXX  will continue to incur charges regardless of account status until the service is formally cancelled. They further admitted that fees may be billed even if services are not actively used. 

My account was dormant since XXXX. Insurance funds were mistakenly deposited into it. When I reactivated the account to access those funds, U.S. Bank immediately applied nearly {$3000.00} in fees. They refunded {$1100.00} but are still withholding {$1900.00}. 

I am requesting full restitution of the {$1900.00} improperly retained and regulatory review of U.S. Banks contradictory and unfair billing practices.

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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I hereby contest the late payment and delinquent status currently reported. Those entries are not accurate, and I request that they be updated to Paid as Agreed and all references to delinquency be erased.

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 2025-09-23 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: MoneyLion Inc.
State: OH

Complaint narrative:
XXXX will not let me cancel credit builder loan until I pay off fees and membership cost. The loan was a reserve of {$1000.00} and could be accessed after it has been completely payed off. There was around {$40.00} in interest and fees. XXXX trying to cancel the credit builder with them but because I wont pay them another {$20.00} they will not cancel the credit builder. My credit score will have negative impacts until this is resolved.

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 2025-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
am having some XXXX working in good faith with a merchant/service provider. My Original Items in connection with the transaction is lacking respect to material disclosures for use of XXXX permitted by law. I believe there is potential failure to perform and discover, that a service provider hasn't applied the obligatory fees necessary while transacting with the item placing limitations on the collateral, a potential business failure, in violation of the borrowers warranty given in accordance with agreement. 
From Ones point of view there has been a failure to insure adequate performance in having properly registered the collateral under the borrowers operating license in a business setting. That business failure leads to insolvency and by law an entry of discharge in bankruptcy or receivership by the borrower against Guarantor or Owner of the Collateral. 

I am communicating with you to discuss rights & obligations. I authorize you to make all necessary performance so that all obligations, and conditions set by the agreement based off of prior performance are met. Although I haven't caused this potential error I am affected by it. Although, I am not a party to the agreement, I do have a contract that allows me to receive payments so that i may help assist with the fungible goods transactions for its accession. While I do wish to peacefully correct and dispose and return any wrong doings or omissions causing fault to payment and future use, I am interested in a secure transaction for future purposes. 
My Intent is to see to it that all parties are protected, working safely & diligently. 

We should Imagine feeling safe & secure being protected without any penalties in present & future terms of the condition Without infringing upon anothers rights to securely use the property. I appreciate your understandings, efforts, support and diligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Upon reviewing my credit report, I noticed serious inaccuracies and unverifiable entries that have harmed my credit profile. These accounts and inquiries are being reported in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and must be permanently deleted. 
There is a reported Charge Off for XXXX XXXXXXXX XXXX showing a balance of {$0.00}. Reporting a charge off with no balance is misleading, incomplete, and unverifiable. Under FCRA 611 ( a ) ( 1 ) ( A ) and 605B / 15 U.S.C. 1681c-2, I dispute this entry and demand its permanent removal since it can not be lawfully substantiated. 
My file also shows additional Charge Offs that fail to meet accuracy requirements. XXXXXXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$1500.00} and XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$1900.00} are both being reported without proper documentation. For debts above {$600.00}, a XXXX must be issued if canceled or forgiven. The absence of such documentation makes these reports incomplete and misleading. This violates FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], which requires maximum accuracy, and also 605B / 15 U.S.C. 1681c-2, which requires unverifiable information to be blocked. These charge offs can not be validated and must be permanently deleted.

There are also Collection Accounts being reported incorrectly. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX showing a balance of {$0.00} and XXXX  XXXX with a balance of {$2400.00} are unverifiable and misrepresent my credit history. Under FCRA 611 ( a ) ( 1 ) ( A ) you are required to reinvestigate disputed accounts, and under 605B / 15 U.S.C. 1681c-2, unverifiable or fraudulent accounts must be deleted. These collections have no valid basis and must be permanently removed. 
Additionally, my file contains unauthorized inquiries that I never approved. These include XXXX XXXX on XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX  on XX/XX/XXXX. These inquiries lack permissible purpose and are in violation of my rights under FCRA 611 ( a ) 15 U.S.C. 1681i ( a ). Furthermore, under FCRA 619 15 U.S.C. 1681q and FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), no entity may obtain my consumer report without authorization. These inquiries are unauthorized and must be permanently deleted.

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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HW Holding, Inc
State: GA

Complaint narrative:
I am writing to dispute inaccurate information on my credit file. My credit report shows my XXXX student loan accounts as 90 days late in XX/XX/year>, without any prior reporting of being 30 or 60 days late. 
According to standard credit reporting practices : - 30 days late = XXXX  days past due - 60 days late = XXXX  days past due - 90 days late = XXXX  days past due It is impossible for an account to suddenly be 90 days late in XX/XX/year> if it was reported current in XX/XX/year>. This is factually inaccurate reporting. 
Additionally, under 15 U.S.C. 1666b, a creditor can not treat a payment as late for any purpose unless it has mailed or delivered the periodic statement at least 21 days before the due date. 
Improper and inaccurate reporting of a delinquency without compliance violates both this law and the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), which requires consumer reporting agencies to ensure maximum possible accuracy. 
I demand an immediate investigation into this matter. Please either : 1. Delete the inaccurate late payment reporting from my file; Please provide me with written confirmation of your findings and actions within 30 days, as required by the FCRA. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief