vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Payfare International Inc.
State: NJ

Complaint narrative:
I am a victim of an account takeover and identity theft that occurred on XX/XX/year>. My DasherDirect account was compromised, and {$740.00} was stolen through unauthorized ATM withdrawals/ fees and retail transactions in XXXX XXXX NY XXXX Evidence of " Impossible Travel '' : I have provided DoorDash and Dash Solutions with undeniable GPS proof that I was physically in XXXX, NJ at XXXXXXXX XXXX on XX/XX/XXXX ( completing a legitimate delivery ), making a XXXX XXXX ATM withdrawal in XXXX, NY is physically impossible. It is a 2-hour drive between these locations. The unauthorized {$500.00} ATM withdrawal in XXXX, NY, occurred at XXXXXXXX XXXX. My DoorDash records prove I was completing a delivery in XXXX, NJ, at XXXXXXXX XXXX. It is physically impossible to travel between these locations in 19 minutes. Because I have proven I was not in XXXX for the XXXX XXXX withdrawal, the subsequent charges at XXXXXXXX XXXX and XXXXXXXX XXXX are clearly part of the same unauthorized account takeover. Failure to Investigate ( Regulation E ) : I have filed a formal dispute ( Bank Case # XXXX and a police report with XXXX XXXX XXXX ( Case # XXXX ). Despite this, the company sent an automated " no-reply '' rejection claiming " no evidence '' of a compromise. They are currently denying my legal right to a fair investigation and provisional credit under Federal Regulation E.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Blackhawk Network Holdings Inc.
State: MD

Complaint narrative:
This is a new request concerning previous casXXXX XXXX XXXXXXXX. In the previous complaint, I referenced that XXXX XXXX reduced my XXXX XXXX XXXX XXXX funded by a XXXX XXXX class action settlement balance of {$27.00} to {$0.00} after converting the card. I sent two previous letter that were unanswered by XXXX and then filed the above-referenced complaint to the CFPB. In short, XXXX provided erroneous or untruthful information indicating card balance of {$23.00} was spend on XXXX. That is untrue as I have checked my XXXX account and there is no transaction on that date and in that amount. In addition, I am supplying a screenshot from XXXXXXXX XXXX website reflecting that the balance on the card is now {$0.00}, just as I reported. XXXX indicates the balance is {$0.00} in their response. In short, XXXX has provided erroneous or untruthful information to the CFPB and should correct my balance to reflect the {$3.00} fee that they provided in their response to the above-referenced case ( or {$24.00} ) and should be fined for their misrepresentations to the CFPB, a US government agency that makes banks and other financial institutions treat consumers fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA

Complaint narrative:
I reached out around last year to dispute this collection from my credit as I do not know where it is from and I received no response, it was temporarily taken off and then put back on

Company response to consumer: Untimely response
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: MS

Complaint narrative:
NCB is falsely reporting on my credit. I have never had any accounts with them. Per my research NCB is a debt collector. They are falsely reporting on my credit!! Account number is XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
For context : I received an XX/XX/XXXX Billing Period of XXXX statement which showed I was a member since XXXX, I do not recall opening a credit card with Citi and request this card to be closed. While I made multiple attempts to contact customer service, their system would not allow me to talk to a representative. Below is a letter I want to send to the company on my behalf. Subject : Unauthorized Credit Card Opened Without Consent Immediate Closure Requested To Whom It May Concern, I am submitting this complaint regarding a credit card account that was opened in my name without my authorization. I recently discovered that a credit card account with Citi was opened using my personal information. I did not apply for, authorize, or consent to the opening of this account. This appears to be either identity theft or an internal error on the part of the institution. Upon discovering the account, I immediately attempted to contact the companys customer service department to report the issue and request closure of the account. Despite multiple attempts, I have not received adequate assistance or resolution. My requests to close the account and investigate the matter have either gone unanswered or have not been handled appropriately. This situation is extremely concerning, as it impacts my personal financial security and credit standing. I am formally requesting the following : 1. Immediate closure of the unauthorized account. 2. Written confirmation that the account has been closed. 3. Removal of any negative reporting related to this account from all credit bureaus. 4. A full investigation into how this account was opened without my authorization. 5. Confirmation that I will not be held responsible for any charges, fees, or balances associated with this account. I take this matter seriously and expect prompt resolution. Please provide written documentation of all actions taken regarding this complaint. Thank you for your attention to this urgent matter. Sincerely, Concern account holder

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I've talked to the company in the past several times about this issue and I've gotten nowhere with this issue. My account was fraudulent used and I did reported it and I still have not been able to have them resolve this issue. My credit reports shows that my information was fraudulent used and I was asked to put a lock on my account until I have to apply for anything and make sure to lock it back immediately, which that is what I do. But, inspite of me doing this, I still can not open an account with them at all. I would like to receive documentation of all of this information they have on file from years ago up to now.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint regarding what I believe to be misleading and unfair advertising related to the Chase XXXX Credit Card offered by Chase. Chase advertises a promotion stating that consumers can apply for the XXXX credit card and receive {$300.00} off a flight booking. Based on this promotion, I applied for the card with the expectation that I would be able to immediately use the credit toward a flight purchase. During the application process, I also contacted Chase reconsideration to help complete and secure approval for the application. During that conversation, I was told that once approved another team would be able to provide the necessary card information so that I could proceed with my purchase. Based on this representation, I continued with the application and obtained approval for the card. After my application was approved, I attempted to book my flight in order to use the advertised {$300.00} discount. However, I was then informed that Chase can not provide my credit card number immediately after approval and that I would need to wait approximately 23 business days to receive the card information. This directly contradicts what I was told during the reconsideration process. The flight I am attempting to book is only being held for 30 minutes, which is consistent with typical airline booking hold policies. Because Chase will not provide the card number upon approval, I am unable to complete the booking today and therefore can not take advantage of the advertised {$300.00} flight discount. I spoke with a manager regarding this issue, but they were unwilling to provide any solution or provide the card number so that I could complete the purchase. As a result, the advertised promotion is effectively unusable in the scenario it appears designed forbooking a flight immediately after approval. This appears to be misleading because consumers are encouraged to apply for the card with the understanding that they can immediately use the {$300.00} flight benefit, when in reality Chases process prevents that from happening. For reference, the escalation number provided during my interaction with Chase is : XXXX. I request that the CFPB review this promotion and Chases practices, as consumers may be misled into applying for the credit card under the impression that they can immediately use the advertised flight discount. Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My Step Daughter, XXXX XXXX got a Capital 1 Credit Card in My Name. Time has Passed Since then. She Admitted to It, After She Maxed the Card Out. She Has Sinced Passed Away. I Need this Collection Off My Credit. I Can't Even get Approved for a Bank Account. THANK YOU

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established. 15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I had an account with Paypal. I didn't check it for a while, but when I did in XX/XX/year>, I discovered that there had been recent fraudulent activity. And also that my account had been " XXXX " with no explanation. I tried to cancel the account to protect my bank account and credit card, and the system would not allow me. I then called Paypal five times over the course of two days and spoke to at least 5 customer service operators, each of which told me that I 'could not close my account because it had been deactivated. '' When I asked why it had been deactivated, or if they could tell me more about the fraud on my account, they said they could not. When I told them that I would like the account to be closed they refused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-04 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: Affirm Holdings, Inc
State: SC

Complaint narrative:
I purchased merchandise using XXXX XXXX on Affirm. When the item arrived, it was defective. I immediately notified the merchant within one hour of delivery and documented the defect with photos and video. I contacted the merchant within their stated return window and refund policy. The merchant did not cooperate or offer a resolution. I filed a dispute with Affirm. During the dispute process, the merchant provided materially false representations in their responses to Affirm. The major issues were that I requested a return shipping address, but the merchant would not provide it or a shipping label, and they stated they would reduce my refund for a restocking fee even though their terms prohibited restocking fees for defective items. I was willing to return the product if a return address and shipping instructions were provided. In its response to Affirm, the merchant falsely claimed they had agreed to accept a return and also falsely stated that I had not submitted any photos of the defective item. Affirm relied on this false information in resolving the dispute and ultimately decided in the merchants favor. After the dispute decision, the return window expired, and Affirm billed me for the defective merchandise. I refused to pay the debt and requested an investigation pursuant to my rights under federal debt collection and credit reporting laws. I submitted this request twice : at the onset of the matter and again on XX/XX/2026, after I received a pending charge-off notice. Today, I received notice that the account has been charged off. No reinvestigation occurred before this action. Despite my request for an investigation, Affirm charged off the account while the debt remains disputed. I have photo and video evidence documenting the defective merchandise. I believe Affirm violated the Fair Credit Reporting Act and federal debt collection standards by relying on materially false information provided by the merchant, including the claim that I had not submitted photos, and charging off a disputed debt without conducting a reasonable investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: MD

Complaint narrative:
I am filing a complaint against Concora Credit for its Milestone Credit Card regarding an undisclosed {$250.00} annual fee and misleading information provided by one of their representatives. When I applied for and accepted this credit card, the {$250.00} annual fee was not clearly disclosed to me. I only became aware of the fee after it was charged to my account. I believe this constitutes deceptive and misleading credit practices. I first contacted the company on XX/XX/year>, to dispute the charge. During that call, a representative informed me that the annual fee would be reduced from {$250.00} to {$25.00}. I relied on that statement in good faith. However, the reduction was never applied to my account. On XX/XX/year>, the {$250.00} annual fee was reported to my credit report. This occurred despite the prior assurance that the fee would be reduced. Today, during my second call to the company, the issue still remained unresolved. No interest has accrued yet ; however, my billing cycle closes on XX/XX/year>, and I am concerned that interest and further negative reporting may occur if this matter is not corrected immediately. I feel misled both by the lack of clear disclosure of the annual fee and by the inaccurate information provided by the companys representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
My loan was transferred to XXXX XXXX from Shellpoint mortgage, I was left with a shortage, after some time my shortage is now over {$5000.00}. XXXX XXXX which is XXXX now told me i am owed over {$1100.00} for an insurance refund from force placed insurance by shellpoint. Shellpoint refuses to help me now that my loan has been transferred which does not allow me to see the paper trail. I need help.

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 2026-03-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Uprova Credit, LLC
State: CO

Complaint narrative:
I am submitting this complaint regarding Uprova and their handling of a settlement they offered on my loan. I currently have a loan with Uprova with a balance of approximately {$2600.00}. Uprova offered me a settlement of {$2100.00} to be paid over six months at approximately {$350.00} per month due to financial hardships. I agreed to accept this settlement and attempted to set up the required payment method. However, Uprova requires that settlement payments be made through ACH withdrawals from a bank account. When I attempted to enter my banking information through their system, the system repeatedly returned an error stating that the account number could not be verified. I attempted to enter multiple valid bank accounts, including accounts at XXXX and XXXX XXXX, but their system rejected each one. I contacted Uprova customer service and was told that their system determines which bank accounts are accepted and that the representatives have no ability to override it. I spoke with a supervisor who stated that the settlement was a courtesy and that if their system would not accept my bank account, my only option would be to pay off the loan normally by debit card instead of accepting the settlement terms. I am willing and ready to accept the settlement and make the agreed payments, but Uprovas system is preventing me from doing so. I have asked for assistance or an alternative way to authorize payments so that I can accept the settlement, but I have not been given any solution. My concern is that the company is offering settlement agreements but making it impossible to complete them due to their payment verification system. I am requesting assistance in ensuring that Uprova honors the settlement they offered and provides a reasonable way for me to make the agreed payments. I am attempting to resolve this loan responsibly and in good faith, and I would appreciate help in getting this settlement implemented so that I can move forward financially. This has been an ongoing issue which culminated with me speaking with floor supervisor XXXX at XXXX on XX/XX/year> who stated the settlement was a courtesy and my only option to prevent collection calls is to pay with a debit card the normal amount of the loan which would accrue {$3800.00} in finance charges for a total of of {$5900.00} after the loan is paid in full.

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