vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Carter-Young, Inc.
State: IL

Complaint narrative:
CARTERYOUNG is falsely reporting on my credit. I have never had any accounts with them. Per my research CARTERYOUNG is a debt collector. They are falsely reporting on my credit!! Account number is XXXX XXXXXXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
AS A DIRECT RESULT OF THE REPORTING AGENCYS FAILURE TO CORRECT, VERIFY, OR REMOVE FALSE INFORMATION, I HAVE XX/XX/XXXXMEASURABLE AND CONTINUING HARM. INACCURATE DATA HAS BEEN USED BY THIRD PARTIES TO DENY CREDIT, ALTER TERMS, AND DAMAGE MY REPUTATION. THIS VIOLATES MY RIGHTS UNDER 15 U.S.C. 1681N AND 1681O, WHICH PROVIDE REMEDIES FOR WILLFUL AND NEGLIGENT NONCOMPLIANCE WITH THE FCRA.

THE REPORTED ERRORS HAVE CAUSED FINANCIAL, PROFESSIONAL, AND EMOTIONAL DAMAGE, INCLUDING INCREASED INTEREST RATES, DENIAL OF CREDIT OPPORTUNITIES, AND EMBARRASSMENT FROM BEING FALSELY REPRESENTED AS DELINQUENT OR UNRELIABLE. THE AGENCYS CONTINUED FAILURE TO REMOVE UNVERIFIED DATA EVEN AFTER FORMAL NOTICE DEMONSTRATES CONSCIOUS DISREGARD FOR CONSUMER RIGHTS AND FEDERAL LAW.

FURTHERMORE, THE AGENCYS INACTION HAS ALLOWED THESE ERRORS TO XX/XX/XXXXACROSS MULTIPLE DATABASES, CREATING A SELF-PERPETUATING SYSTEM OF FALSE INFORMATION THAT IS IMPOSSIBLE FOR A CONSUMER TO FULLY REVERSE WITHOUT REGULATORY INTERVENTION. THIS IS A DIRECT VIOLATION OF THE DUTY TO ASSURE MAXIMUM POSSIBLE ACCURACY AND TO CEASE REPORTING INFORMATION KNOWN TO BE INACCURATE OR UNVERIFIED.

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 2026-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Experian may want to read this complaint carefully. This is a follow-up CFPB complaint because Experians prior response claimed the disputed items were verified, yet Experian still failed to provide the method of verification, the source records, the furnisher contact information, or the documents relied upon, which I requested repeatedly and which are required under FCRA 611 ( a ) ( 6 ) ( 7 ) and 609. I have been disputing these items for well over 90 days, and Experian continues to report multiple accounts with clear discrepancies across all three credit bureaus, along with ongoing stall tactics and generic language instead of a lawful reinvestigation. The negative items being disputed include : XXXX XXXX XXXX Late Payment {$52000.00}, and bankruptcy-related reporting for XXXX XXXX # XXXX Included in Bankruptcy {$0.00}, XXXX XXXX XXXXXXXX Included in Bankruptcy {$0.00} ( multiple entries ), XXXXXXXX XXXX XXXX XXXXXXXX Included in Bankruptcy {$0.00}, XXXX XXXX XXXX XXXXXXXX Included in Bankruptcy {$0.00}, and Public Record Bankruptcy XXXX XXXX {$0.00}. Experian is required to report bankruptcy and included-in-bankruptcy tradelines in a manner that is complete, internally consistent, and XXXX XXXX compliant, including accurate status, accurate remarks, and accurate datesyet my reports reflect inconsistencies that do not match across bureaus and are not supported by documentation. Further, for the XXXX late payment, Experian must be able to substantiate the delinquency with competent records ( e.g., complete payment history, delinquency timeline, and the basis for reporting ), especially where other bureaus reflect different payment history or reporting details. Experian also continues to report inquiries that I dispute and have not been validated with permissible purpose documentation under FCRA 604, including XXXX  XXXX XXXX XXXX inquiry dated XX/XX/year> and XXXX XXXXXXXX XXXX XXXXnquiry dated XX/XX/year>. Instead of supplying proof, Experians prior response simply said verified as reported, which is not verificationit is a conclusion. I am also asking directly, due to Experians documented history of data breaches and consumer data exposure : Have I been a victim of an Experian data breach, and can Experian state with certainty that my personal data has not been compromised or mixed with inaccurate reporting data? Do not close this complaint with another automated paragraph. I am demanding a real reinvestigation, actual verification, and correction or deletion of information that can not be proven 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 2026-01-02 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
Amount due was for carpet cleaning whenever I cleaned the entire apartment. If they can not give me verification or proof that the carpet was messed up then this should be removed from my credit.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
{$100.00} was transferred to the wrong account on cash app and the other party will not return the money now and refuses

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I am filing this complaint because my prior dispute with Chase was closed ( XXXX ) without a fair or independent review, and Chase failed to protect me as a consumer when I initially requested help while cognitively impaired.

At the time of the original charge, I contacted Chase and disclosed that I had a brain injury with cognitive impairment and asked for assistance to have the charge refunded. Chase did not take appropriate action or provide reasonable assistance at that time.

Later, a Chase representative issued a refund, which posted to my account. Approximately 30 days later, Chase reversed the credit, removing the refunded funds from my account. This reversal occurred without new evidence, without additional investigation, and without justification. This action caused financial harm.

Chase now claims that a merchant processor statute of limitations prevents recovery. That position is unacceptable because the statute issue would not have existed had Chase fulfilled its duty to assist me when I first contacted them and requested help while cognitively impaired. The failure to act initially is entirely Chases responsibility. 

This matter was previously submitted to the Consumer Financial Protection Bureau, but the complaint appears to have been closed solely based on Chases response, without any determination of fairness, consumer protection, or consideration of my XXXX. I did not receive a final determination or explanation from the CFPB. 

I am requesting : Clarification on whether a company response alone is sufficient to close a complaint without independent review. 

Supervisory review of Chases handling of this dispute, including the improper reversal of a posted refund. 

Review of Chases failure to provide reasonable assistance when I disclosed a brain injury and requested help.

A determination as to whether Chases actions violated consumer protection standards.

Chase should not be permitted to reverse a validly issued refund weeks later and then avoid accountability by citing a statute of limitations that arose only because of its own failure to act. This file should not have been closed without proper review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I deal with extreme social XXXX  and wanted to get a hair service done for my hair for my birthday. When I discussed prior to the service, the woman stated it would be upwards of ~ {$200.00} for the service and when I checked the website to verify, it all made sense. However, when it was done, the hair was not as described and my hair was multiple colors, they had overcharged me for {$500.00}, and had caused me emotional and financial distress. I tried questioning them and they lied and said the hair would fix itself after XXXX wash, and me having XXXX salon experience, I unfortunately trusted them as licensed providers to not have scammed me. When I tried to dispute the pricing, they made up XXXX fees and I asked for an itemized receipt and the receptionist falsely told me it was sending and to this day I never got one. I returned the next day after my hair still wasn't fixed and was extremely damaged after a third-party stylist at a nearby salon reviewed my hair and returned with my mother to try to get things worked out. Instead, they were disgustingly rude and ignorant and made XXXX remarks towards my mother of a XXXX XXXX and mockingly asked if " she even knew anything about XXXX XXXX  '' in their XXXX salon. I then tried to forward this information and a letter and explanation with proof, as much as capable, to my bank and they were utterly useless. I described and provided as much proof as possible and instead they just threw me around and acted like it was all my fault and I could predict the future and that they would do what they did.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: Chime Financial Inc
State: CA

Complaint narrative:
Issue : Deceptive Marketing and Misleading Support Regarding Referral Bonuses Business Name : Chime Financial , Inc./ XXXX XXXX XXXX XXXX 

Complaint Details : I am filing this complaint against Chime for failing to honor earned referral bonuses totaling {$600.00} after providing me with misleading information through their official customer support and marketing materials. 

During XXXX and XX/XX/year>, I participated in a targeted promotion offering a {$200.00} referral bonus for each new member who signed up using my link and received a qualifying direct deposit. Chime 's own " How many bonuses can I earn? '' FAQ explicitly states, " you can earn up to XXXX bonuses each calendar year ''. 





Evidence of Misinformation : Written Support Confirmation : On XX/XX/year>, I contacted Chime support via chat to verify if there were any hidden payout limits. The agent, XXXX, explicitly stated : " There should be no limit for bonuses being credited, XXXX ''. 




Confirmed Successful Referrals : My Chime Referral Tracker confirms that multiple individuals met all requirements, specifically XXXX XXXX, XXXX, and XXXX. The tracker explicitly states " Earned you a bonus '' for XXXX on XX/XX/year>, and for XXXX and XXXX on XX/XX/year>. 






Refusal to Pay : Despite these confirmations, Chime has stopped paying my bonuses, citing an undisclosed {$1000.00} monetary cap that directly contradicts their " XXXX bonus slots '' per year rule and the " no limit '' assurance provided by their agent. 


The Harm : Chime induced me to continue referring new members by promising a high-value {$200.00} bonus and confirming there were no limits. I relied on these representations to refer XXXX people, but Chime stopped payment after XXXX ( {$1000.00} total ), effectively cutting my promised XXXX benefit in half. This is a deceptive " bait-and-switch '' practice that violates consumer trust.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am submitting this complaint regarding Citibanks handling of my credit card accounts and the severe financial hardship caused by Citibanks unilateral actions. 

I held a Citibank credit card with a XXXX promotional APR. Without warning, explanation, or any default on my part, Citibank closed all of my accounts and terminated the promotional APR early. Approximately {$20000.00} was immediately subjected to interest. 

At the same time, Citibank removed all access to my accounts and eliminated my ability to communicate with the bank through normal channels. I was no longer able to log in, view statements, access records, or communicate with representatives because I was no longer considered a bank member. 

This action affected multiple relationships, including : XXXX personal accounts XXXX business accounts XXXX credit cards XXXX mortgage Despite being cut off from account access and communication, Citibank continued to assess interest and demand payment. 

I have made consistent good-faith payments of approximately {$700.00} {$1000.00} per month for many months. Had the promotional APR been honored as agreed, these payments would have substantially reduced the principal balance. Instead, interest accrual caused by Citibanks unilateral action has prevented meaningful balance reduction. 

Citibank has not provided a clear contractual or legal justification for terminating the promotional APR early, blocking access to my accounts, or failing to provide reasonable accommodation after creating the hardship. 

I believe this conduct constitutes unfair and deceptive practices, interfered with my right to dispute billing under federal law, and caused significant financial harm.

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 2026-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
My name is XXXX XXXX and I am the court-appointed personal representative of the Estate of XXXX XXXX XXXX who passed away in XX/XX/XXXX. My grandmother left behind a home that is not paid off, and is serviced by Shellpoint Mortgage Servicing. 

In XX/XX/XXXX, I submitted a Qualified Written Request ( QWR ) / Request for Information seeking a full and complete mortgage accounting, including but not limited to payment history, application of payments, fees, escrow activity, interest calculations, and the current balance justification. This request was made pursuant to RESPA ( 12 U.S.C. 2605 ) and Regulation X ( 12 C.F.R. 1024.36 ). 7 months later and I have not received anything. 

The reason for my request is because the property was purchased in XXXX for approximately {$330000.00} at an interest rate of 3.5 %. Nearly 20 years later, Shellpoint claims the loan balance is still {$230000.00}, with monthly payments a little over {$2200.00}, which raises serious concerns regarding how payments, interest, and fees have been applied. In order to protect the estate and avoid foreclosure, I paid over {$20000.00} to reinstate the mortgage. Because of the questionable balance and payment history, I formally requested a full accounting in writing in XX/XX/XXXX. Shellpoint representatives initially stated additional documents were required, then later stated the accounting would be sent but nothing was ever provided. Shellpoint continues to service and collect on the loan while withholding legally required information. 

Shellpoints failure to respond constitutes a clear violation of federal law, including but not limited to : RESPA ( 12 U.S.C. 2605 ) Regulation X ( 12 C.F.R. 1024.36 ), which requires : Acknowledgment within 5 business days Substantive response within 30 business days ( with limited extension ) Shellpoint has exceeded these deadlines by several months, with no acknowledgment, no explanation, and no accounting provided.

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 2026-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portnoff Law Associates, Ltd.
State: PA

Complaint narrative:
We received a Sheriffs notice for unpaid trash taxes XXXX days before XXXX labeled page XXXX with no page XXXX or XXXX attached alleged unpaid trash taxes {$1700.00}. But, have not received any previous communication that there were bills past due. We have not received any certified communication or calls, emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX bought bad debt from original creditors. The accounts were open fraudulently.

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 2026-01-02 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: OK

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX XXXX XXXX  - XX/XX/XXXX - {$0.00} XXXX - XXXX  - XX/XX/XXXX - {$0.00} Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2026-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
XXXX XXXX directly refused to comply with the original contract. 
Because they refused to comply with the original contract they were not entitled to any money until a new agreement was created and signed by both parties. 
At the time when XXXX XXXX made the request of Wells Fargo to obtain the balance of {$3800.00}, they did not have my signature on the document. 
XXXX XXXX voided the original contract and had no legal authority to request money from Wells Fargo at that time and provided false statements that the job was completed. 
Therefore, Wells Fargo should not have extended this payment to XXXX XXXX because there was no new agreement. XXXX XXXX refused to install the fourth window and refused to comply with the building code as required by law. 
Since the original contract signed on XX/XX/year> was breached by XXXX XXXX, and their second contract was unsigned by either party, XXXX XXXX committed fraud by submitting the second unsigned contract for payment when they breached ; and thus Wells Fargo was not authorized to approve payment. 
I wrote Wells Fargo concerning the breach well before the payment and was told by phone that no payment would be authorized without my signature. 

Sincerely, 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 2026-01-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: TX

Complaint narrative:
Chime has stated they will not be refunding my money when their policy states after an account is closed all funds will be refunded to the account holder within 14 days of closure. When I reached out they requested my information such as driver license photos from and back, social security card photos, proof of transactions, proof of residence, and bank statements from my connected bank. They asked for an explanation for why I transferred {$140.00} on XX/XX/XXXX from my external bank into my chime account. When explaining it was to pay my car insurance, plus what was already in there for rent the following week, they proceeded to close all my accounts and said I am not eligible for any refunds and will not be getting my money at all. I have opened many tickets to try resolving this and I still have not received any follow ups after over XXXX years. The following dates are times I have reach out via email not including phone calls to the chime service department XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XXXX/XXXX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XX/XX/XXXX. 
Tickets I can save XXXX ; XXXX ; XXXX ; XXXX

Company response to consumer: Closed with explanation