vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
I am submitting this formal complaint regarding a charged-off credit card account being reported by XXXX XXXX  with the following details : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Account Status : Closed / Charged Off Balance Reported : {$3400.00} Date Reported : XX/XX/XXXX Bureaus Reporting : XXXX XXXX XXXX Failure to Issue Required 1099-C ( Cancellation of Debt ) Under 26 U.S.C. 6050P and Treasury Regulation 1.6050P-1, creditors are required to issue IRS Form 1099-C when a debt of {$600.00} or more is canceled, discharged, or deemed uncollectible, including situations involving : Charge-off as bad debt Cessation of collection activity Abandonment of recovery Other identifiable cancellation events Capital One has reported this account as charged off, yet : No Form 1099-C has been provided to me No notice of cancellation or tax reporting has been issued No explanation has been provided justifying continued reporting of this balance as owed A creditor can not both treat a debt as canceled for accounting purposes and simultaneously report it as an active obligation without proper tax reporting and disclosure.

Inaccurate and Inconsistent Credit Reporting This account reflects material inconsistencies across consumer reporting agencies, including differing dates, histories, and payment status details, which further indicates a failure to maintain accurate records as required by federal law.

Continued reporting of this account without clarification of its legal status violates : Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) Furnishers may not report information they know or have reasonable cause to believe is inaccurate or misleading.

FCRA 1681s-2 ( b ) Requires a reasonable investigation upon dispute, including verification of the legal enforceability and status of the debt.

Demand for Relief I hereby demand that Capital One : Provide a copy of the Form 1099-C issued for this account, or Provide written confirmation that no cancellation event occurred, including the legal basis for continued reporting, or Delete this tradeline from all consumer reporting agencies immediately if the debt was canceled, abandoned, or otherwise discharged Absent production of proper documentation, continued reporting of this account constitutes inaccurate and misleading furnishing under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-08 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: Affirm Holdings, Inc
State: SC

Complaint narrative:
On XX/XX/year>, I attempted to purchase a round-trip XXXX XXXX XXXX XXXX XXXX to XXXX for travel dates XXXX XXXX XXXX using Affirm. The purchase price was {$440.00}, and with interest the total loan amount was {$460.00}. 

I never received a booking confirmation, ticket number, XXXX, or boarding pass. The flight does not appear in my XXXX XXXX account, and XXXX XXXX has confirmed through customer service chats and a formal written response to a Department of Transportation ( DOT ) complaint that no booking or ticket exists in my name and that no payment was received on their end. 

I filed disputes with Affirm for non-delivery of services. The loan was split into two portions ; one portion was resolved in my favor based on non-delivery, while the XXXX XXXX portion was denied despite XXXX  written confirmation that no booking exists. I requested supervisor review, but the dispute was reopened and then denied again without confirmation that a supervisor reviewed the evidence. 

Affirm has maintained that the XXXX transaction was successfully processed, relying on payment authorization rather than service fulfillment, despite merchant confirmation that no flight or ticket was ever issued. 

As a result of the unresolved dispute, the account is now approximately 75 days overdue, creating risk of credit harm for a charge related to services that were never delivered. I am requesting a compliance-level review of XXXX dispute handling and correction of this billing error based on merchant non-fulfillment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Deficiency balance after repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
An auto loan from Credit Acceptance Corporation is reporting a {$23000.00} past-due balance on my credit report. The vehicle was impounded and sold by the state without notice to me. I was never notified of the sale, lien transfer, deficiency balance, or given an opportunity to redeem the vehicle. 

XXXX XXXX refuses to provide documentation supporting the balance and has instructed me to contact the state instead. This account continues to report inaccurately with repeated XXXX-day late payments despite no billing statements, notices, or validation. 

I believe this violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I am requesting full validation of the debt, proof of notice, and correction or removal of inaccurate credit reporting.

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 2026-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: AL

Complaint narrative:
After being charged 21 separate times by an offshore merchant in XXXX XXXX, I filed a dispute with Chime Financial. They likely didnt even investigate my dispute, instead they just denied it. I spoke with them on the phone several times, provided the documentation I had of the fraud, and it was denied. I asked for the documents of reliance to why they closed my dispute, they have not sent them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am filing a complaint regarding an error made by an American Express representative that caused me to lose earned card benefits. 

While at the XXXXAmerican Express desk at the XXXX ( XXXX ) airport in XX/XX/year>, a XXXX Amex agent presented a promotion for me to upgrade my existing Platinum XXXX American Express card to the XXXX XXXX card . I agreed to the upgrade specifically to retain my account history and associated benefits. However, the agent incorrectly processed the request as a new card application instead of an upgrade, without clearly disclosing this distinction. 

As a result of this error, my original account was closed and I lost key benefits tied to account tenure, including the annual XXXX companion certificate that I would have received had the upgrade been processed correctly. 

When I noticed I didnt receive my companion ticket and contacted American Express to resolve the issue, I was informed that they could not issue the companion certificate, despite the fact that the loss of the benefit was caused by American Expresss own processing error and not by any action or choice on my part. 

I am requesting that American Express correct this issue by issuing the lost companion certificate or providing an equivalent goodwill credit to make me whole.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
The company Portfolio Recovery Associates has called me frequently every day. They call me 2 to 3 times a day. I use my phone for my work. They keep calling me for the amount {$1500.00}. On XX/XX/year> at XXXX. I was a victim of a scam. I gave away my phone number, email, and social security. And now I get these calls everyday from Portfolio Recovery Associates saying I owe an amount of {$1500.00}. I have contacted them trying to resolve this matter, but they still want me to pay for the amount of {$1500.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To : XXXX XXXX XXXX 
Attn : Consumer Relations XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Via Certified Mail, Email, and Consumer Portal ________________________________________ CONSUMER INFORMATION Name : XXXX XXXX XXXX Date of Birth : XX/XX/year> SSN ( last XXXX ) : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ________________________________________ FORMAL DEMAND FOR IMMEDIATE REMOVAL UNVERIFIABLE & UNLAWFUL REPORTING This letter serves as a formal DEMAND for immediate removal of unlawful information currently being reported in my XXXX consumer file. 
I have already formally disputed these items and filed a CFPB complaint documenting that XXXX is reporting false, inaccurate, incomplete, and unverifiable account abuse information without competent proof. 
Continued reporting after notice constitutes willful non-compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). 
________________________________________ LEGAL DEFECTS REQUIRING IMMEDIATE DELETION XXXX is in violation of federal law because : 15 U.S.C. 1681e ( b ) You are reporting information without assuring maximum possible accuracy 15 U.S.C. 1681i ( a ) You have failed to conduct a reasonable reinvestigation supported by documentation 15 U.S.C. 1681s-2 ( b ) Furnishers have not produced lawful verification Unverified account abuse designations are defamatory per se when used to block access to banking services Automated responses, internal codes, or furnisher assertions do not satisfy the FCRA. 
________________________________________ FORMAL DEMAND Because XXXX can not lawfully verify the disputed information with documentary evidence, you are hereby required to : XXXX. IMMEDIATELY DELETE all disputed entries from my XXXX  file XXXX. Cease reporting any account abuse, NSF, or unpaid closure data related to these entries XXXX. Provide written confirmation of deletion within XXXX days XXXX. Ensure no reinsertion occurs without full FCRA compliance This demand is not a request for reinvestigation. 
It is a notice of required deletion due to legal defect. 
________________________________________ FINAL NOTICE If XXXX  fails to comply immediately, I will proceed without further notice with : Escalation of my CFPB complaint Texas Attorney General XXXX XXXX FTC complaint Civil litigation for statutory, actual, and punitive damages under the FCRA Your continued reporting after notice will be used as evidence of willful non-compliance. 
________________________________________ Sincerely, XXXX XXXX Signature : XXXX XXXX XXXX Date : XXXX Enclosures : CFPB Complaint Prior Dispute Letters XXXX  Disclosure Government ID & Proof of Address

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I received a pre-paid XXXX debit card through XXXX XXXX XXXX XXXX XXXX in the amount of {$300.00} for a contact lens rebate. The card was misplaced in my home and I just located it today ( XX/XX/XXXX ). 
The card has an expiration date of XX/XX/XXXX, but I had not used or activated the card so I called the number listed on the card ( XXXX ) and asked for a replacement, which the company refused. They just kept repeating this was a " sweeps '' card and they can not replace the card or value of the card. 

The Card Issuer is listed as Pathward and the card is serviced by InComm Financial Services Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Bridge IT, Inc.
State: SC

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint against Brigit regarding an unresolved referral issue. 

On XX/XX/year> at approximately XXXX XXXX, I accepted a referral invitation. However, my referee, who can be reached at XXXX, has not received the promised referral credit. 

Under the guidelines of fair business practices, I believe I am entitled to this credit, and I expect that both my account and the referee 's account will be credited within 5 business days. 

Thank you for your assistance in this matter. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Credit card — Store credit 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I am submitting this complaint regarding Barclays Bank Delawares handling of an unauthorized transaction dispute on my credit card account ( Barclays XXXX XXXX XXXX XXXX, account ending in XXXX ). 

I reported unauthorized charges and filed a fraud claim. Barclays placed the account in a fraud status starting on XX/XX/XXXX while the investigation was pending. 

On XX/XX/XXXX, Barclays sent me a letter stating that their investigation was complete and that the account was valid because they determined that I benefitted from the use of the account. Barclays removed the fraud status, resumed monthly statements, and stated that the account would continue reporting to the credit bureaus as valid, with interest and charges accruing on the unpaid balance. The balance referenced in the letter is {$310.00}.

Barclays has not provided me with any meaningful explanation or documentation supporting their conclusion, and their stated reasoning is vague and not evidence-based. The fact that a charge may have been delivered, processed, or otherwise completed does not prove that I authorized it. The denial appears to be based on assumptions rather than proof. 

I did not authorize the disputed transaction ( s ). I am requesting that Barclays : 1. Reopen and properly investigate the fraud claim.

2. Provide the specific evidence used to deny my fraud claim, including but not limited to : Merchant name ( s ), transaction date/time, and method ( chip/swipe/online ) Shipping address ( if applicable ) IP address and device information ( if applicable ) Any other basis Barclays used to conclude I benefitted 3. Remove the disputed balance and reverse any interest/fees related to the unauthorized transaction ( s ).

4. Confirm in writing that this matter will not be reported negatively to the credit bureaus and that no adverse credit reporting will occur due to this dispute. 

Barclays denial and attempt to hold me liable for unauthorized charges is unacceptable and inconsistent with fair credit card dispute practices. I am requesting CFPB assistance to ensure Barclays conducts a legitimate review and provides proper resolution.

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 2026-02-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: GUARANTEED RATE INC.
State: NV

Complaint narrative:
REF : CFPB COMPLAINT ID # XXXX As of XX/XX/XXXX, XXXX XXXX month after my certified dispute letterthe account remains locked. I can not obtain a payoff quote and I can not access my credit line. This ongoing denial of access to my own HELOC constitutes a material harm requiring immediate regulatory intervention. I respectfully request the CFPB keep this complaint open until full account access is restored and all outstanding items are addressed in writing. 

I am submitting this follow-up because the companys response to my CFPB complaint is incomplete. While XXXX has corrected the account balances and removed the false delinquent status, my HELOC account remains locked. I still can not access my credit line and I still can not generate a payoff quote. The partial correction is appreciated but does not resolve the matter. 

Despite the partial correction, the following concrete harms remain unresolved : Account lockout : My HELOC account remains locked. I can not access any online account management features, including the ability to manage autopay settings, creating risk of actual missed payments. 

Denial of credit access : I am unable to draw on my HELOC credit line, which I am contractually entitled to use. This restricts my access to funds I may need for time-sensitive financial obligations.

Inability to obtain payoff quote : I can not generate a payoff quote, which may impede refinancing, sale, or other financial transactions involving my property. 

No written documentation : XXXX has provided no written explanation of the root cause, no corrected payment ledger, and no confirmation regarding credit bureau reporting. All contact attempts have been by telephone, which I have declined in order to maintain a documented record of this dispute.

Continued stress and time burden : The failure to fully resolve this errornow spanning over one monthhas caused significant ongoing stress and lost time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I am filing this complaint against JPMCB CARD ( Chase ) for inaccurate and unverifiable credit reporting. 

Chase is furnishing derogatory information to the credit bureaus that is damaging my credit profile, including multiple late payments and a charged-off status. 

The account is being reported with the following negative history : 30 days late 60 days late 90 days late Charged off as bad debt This information is inaccurate, incomplete, and has not been properly validated. 

Under the Fair Credit Reporting Act ( FCRA ), Section 623, furnishers of information have a legal obligation to conduct a reasonable investigation when a consumer disputes inaccurate reporting. 

I am requesting JPMCB CARD ( Chase ) to : Conduct a full reinvestigation of this account Correct or delete any inaccurate late payment history Remove the charge-off status if it can not be fully substantiated Provide written documentation showing how the information was verified Immediately stop reporting unverifiable derogatory information This inaccurate reporting is causing ongoing financial harm and must be corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/XXXX, my Capital One accounts were frozen. I could no longer login to my banking app as it would give an error saying my account was locked for too many invalid login attempts. I called them on XX/XX/XXXX to try and settle the issue, but after many transfers and identity verification, I was told I had to come in person to fix it. On XX/XX/XXXX, I went to a physical branch and talked to an XXXX to help me fix my account. The XXXX had me physically verified, then put me on call to their account security department. After many holds and transfers, the person on the call told me that the unfreeze was in place and that it would take XXXX days from the date it was frozen. It has been 8 days, but my account is still frozen. To add on, Capital One has not told me any information through call, text, or email about why my account was frozen or even when it was ; I only found out when I tried to login. I have no idea when my account will be unfrozen or if they've even actually started the process as there was XXXX communication about this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
I opened a chime account 3 months ago and have been extremely disappointed ever since. Last week I happened to notice unauthorized charges being made and then attempted. I immediately froze my account and contacted customer service. I filed a dispute for the unrecognized charges and waited. The following day there was another attempt to purchase XXXX $ at XXXX XXXX. I received a call shortly after this - the caller id said chime and they had all my dispute information so I didnt think it was anyone but chime responding to my claims. They told me they had to secure my account and all other accounts that were attached to my chime. They had me make internal transfers from the external accounts I had attached to my now compromised chime account. XXXX XXXX  and XXXX XXXX are the two accounts I had connected. They instructed me to transfer all funds including savings into a temporary account with certain numbers in order to protect them from any further loss. They gave me a code to type in and said it was my FTC personal temporary account code and it was FDIC protected. I was to receive a confirmation email containing all pertinent information once my transfer was completed. They had me transfer all funds into this FTC account and once it was transferred they immediately hung up and blocked my number from calling them back. XXXX $ is what they took that day plus the other initial transactions totaling XXXX XXXX They attempted various other charges which Ive included in the attachments. I found the persons name after looking up the transaction and the phone number they used to contact me. This person has been arrested for fraud before. I filed disputes with chime and they denied both claims. I have attached screenshots of all the fraudulent charges in my chime account as well as the phone number used to make me think it was chime calling and texting. I also provided a mug shot of the person responsible ( same name, same city/state/county ). Also attached are the dispute denials with no real explanation- only to check my email ( I did and all they said was that I can request information on how they made their decision but gave no details or instructions on how to specifically proceed )

Company response to consumer: Closed with explanation