vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 1. XXXX Account Number : XXXX XXXXXXXX 2. SHELLPOINT MORTGAGE Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud

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 2026-03-18 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Subject : Failure to Deliver Credit Card Sign-Up Bonus ( XXXX Miles ) United XXXX Visa I am filing a complaint against JPMorgan Chase regarding failure to deliver a promotional sign-up bonus associated with the United XXXX Visa credit card XXXX I applied for this card under a promotion offering XXXX bonus miles after spending {$4000.00} within the first three months. I met this spending requirement almost immediately and in full compliance with the stated terms. Chase confirmed that the bonus miles were awarded on XX/XX/year>, and advised that it would take approximately 68 weeks for the miles to appear in my United Airlines account. As of today, XX/XX/year>, I have still not received these miles. After contacting Chase, I was informed that the miles were sent to the wrong XXXX accountan error that is not attributable to me. I have now contacted Chase multiple times and was previously assured that the issue would be fully resolved by XX/XX/year>. This deadline passed with no resolution, and I was instead told it may take an additional XXXX business days. This is unacceptable for the following reasons : The original 68 week fulfillment period has already elapsed The delay is due to an internal error outside of my control I paid a {$350.00} annual fee for this card The delay is causing financial harm, as I am attempting to book travel using these miles and flight costs are increasing I am requesting : 1. Immediate correction and delivery of the full XXXX bonus miles to my correct XXXX account 2. Compensation for the delay and inconvenience caused ( additional miles or statement credit ) 3. A clear explanation of how this error occurred and what steps will be taken to prevent recurrence At this point, I have lost confidence in Chases ability to resolve this issue through normal customer service channels and am requesting formal regulatory intervention. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 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: IL

Complaint narrative:
I am filing this complaint to dispute inaccurate and/or unverifiable information on my Equifax credit report. I request a reinvestigation under the Fair Credit Reporting Act ( FCRA ). CHARGED-OFF ACCOUNTS IN DISPUTE : XXXX XXXX XXXX BANK ( Acct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX, Balance : {$0.00} ) XXXX XXXX BANK XXXX XXXX Acct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX, Balance : {$0.00} ) XXXX XXXX BANK XXXX XXXX Acct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX, Balance : {$0.00} ) XXXX XXXX BANK XXXX XXXX Acct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX, Balance : {$0.00} ) XXXX XXXX XXXX ( Acct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX, Balance : {$2500.00} ) XXXX XXXX ( Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX, Balance : {$0.00} ) XXXX XXXX XXXX BANK XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date : XX/XX/XXXX, Balance : {$500.00} ) XXXX BANK ( Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX, Balance : {$0.00} ) XXXX XXXX XXXX ( Acct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX, Balance : {$0.00} ) XXXX XXXXXXXX ( Acct : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date : XX/XX/XXXX, Balance : {$0.00} ) XXXX XXXX ( Acct : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date : XX/XX/XXXX, Balance : {$0.00} ) There are inconsistencies in reporting, including balances appearing on some accounts while the same accounts report as {$0.00} on other bureaus. This raises concerns about accuracy and compliance. I request full validation including signed agreements, account statements, and a breakdown of the alleged balances. If these accounts can not be verified as accurate, complete, and consistent, they must be deleted. INQUIRIES IN DISPUTE : XXXX XXXX XXXX ( XX/XX/XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am writing regarding the above-referenced account. Please be advised that I have already filed a formal response to the summons, and this matter is currently in active litigation. Despite this, I continue to receive phone calls from your company. I consider these communications to be excessive and unwarranted given the legal status of this case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I applied for this credit card which was approved. It required a deposit which i provided in the amount of {$200.00}. I waited a month and never got the card I called they told me I needed to verify who I was with a photo of my driver 's license and bank statement. I sent in the documents card arrived a few days later I tried to activate it and I couldnt so I called again and they said they needed me to resend the same documents which I did a few days go by and no answer so I called again they asked for a photo of my social security card which I sent in along with my passport and employment verification card. They called today XX/XX/year> stating that they needed me to send in my bank statements again along with my government ID. I requested that they close the account they wouldn't entertain the conversation so I had my girlfriend call with me later In the day so she could help me talk to them as XXXX is my native language so i couldnt truly understand what they needed from me and why as i sent in a bunch of information to prove who i am. In the end i chose to close the account. They agreed to close the account which I didn't understand how they can't verify who I am with all the documents provided to give me access to the account but with just me verifying my name and address they could verify that it is me to close the account. I wonder if its because im XXXX with good credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I reviewed my credit report and found several accounts and entries that are inaccurate, incomplete, or unverifiable. I previously disputed these items and requested verification ; however, the credit reporting agency continues to report the information without providing proper validation or documentation. The inaccurate reporting is negatively impacting my credit profile and financial opportunities. Under the Fair Credit Reporting Act ( FCRA ), the credit reporting agency is required to ensure maximum possible accuracy and conduct a reasonable investigation. These obligations have not been met.

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 2026-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
My account has been closed for about a year. I have been making payments which are more than the minimum balance and I am noticing that the balance is not increasing. I have no access to see any type of payment activity at all. I can not see what I am paying for. At first I was able to make a payment through my email and then about two weeks ago I was able to login to make payments. About a week ago after making a {$200.00} payment, I could no longer see any information. I asked synchrony to send me all of my statements until the most recent but I still havent received them. I need to know exactly what I am paying.

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 2026-03-18 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I purchased XXXX XXXX XXXX ( XXXX ) through XXXX XXXX at Chase, a rewards portal tied to my Chase credit card, in late XX/XX/2026. The item was delivered to my home on XX/XX/2026, however I was traveling and did not open the package until XX/XX/2026, which is also the date I registered the product warranty confirming my first physical possession and use of the item. The retail price of the XXXX XXXX is approximately {$540.00}. Upon deciding to return the item, I contacted XXXX directly, who informed me they could not process the return as the purchase was made through a third-party portal. I visited an XXXX XXXX in person and received the same response. XXXX own return policy allows returns within 14 days of receiving a product, and by the date of first physical possession XX/XX/XXXX I was still within that window. I then contacted XXXX XXXX at Chase, where I spoke with a representative named XXXX, who was unable to assist me. I escalated to a supervisor named XXXX, who informed me via phone and confirmed in a follow-up email that the only basis for a return or exchange is if the item is damaged, defective, or incorrect. XXXX stated verbally that this policy is dictated by XXXX to Chase. At no point during my online purchase was it clearly or prominently disclosed that this was a final sale with no return or exchange permitted. I am requesting that XXXX XXXX at Chase honor a return of this item, which is lightly used and within the manufacturers own return window from the date of my actual physical possession.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I am filing a complaint regarding inaccurate and unfair credit reporting on my auto loan account. The vehicle associated with this account was declared a total loss and paid by my insurance company. After the insurance payment, I took responsibility and resolved the remaining balance with the lender. Despite this, the account is being reported as a charge-off, which is severely damaging my credit and preventing me from obtaining reliable transportation. This situation does not reflect the full context of what occurred. The vehicle was not repossessed, and I made efforts to satisfy the debt after the insurance payout. I have contacted the lender directly, and they have refused to make any updates or corrections to how this account is being reported. I am requesting a full investigation into this matter and a correction or removal of this account due to the circumstances surrounding the total loss and resolution of the balance. This inaccurate reporting is causing ongoing financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: KY

Complaint narrative:
The expert sales person at XXXX was supposed to be recreating an order for me with a large black matte refrigerator and oven. I got the black matte oven but they delivered a regular stainless steel refrigerator. They made it difficult for me to get the right one even though it was their sales person who messed up.instead of just sending the right one and swapping it out, they made me do a return place a whole new order. I recognize the order I approved as being cheaper, and I was going for refund of delivery fee and damage. Now there is an amount for a refrigerator that is more expensive and still includes the delivery. My delivery was originally free and free delivery is standard with a large order like that. It was their mistake and that delivery and whatever charges they added without my consent were unauthorized. I called affirm. They had The wrong birthday down for me. It is correct now, but up until yesterday it wasnt. I told them that was a red flag for fraud. They said they dont have anything to do with the personal information. I said no thats wrong, when I apply for an affirm pay over time I have to enter my personal info and submit my license. So wrong birthday is definitely a red flag that someone created a more expensive order for me without my consent or knowledge. Im attaching the original order, the order that would have been correct minus the delivery fee, and the inflated order, which by the way was one refrigerator. There are three items on it, it says one wasnt delivered, but I got one refrigerator and thats it. Any extras need to be refunded, priced matched XXXX. They tampered with that order, and it says it was cancelled, however I have delivery confirmation. I believe it was 211 refund for damaged panels, but they said something else. Anything to make me pay more for this refrigerator I also want to say Im still hacked and yesterday I recorded our conversation and somehow it has been deleted and someone keeps changing my appointments on my calendar

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: CA

Complaint narrative:
UNAUTHORIZED CHARGES WIPED OUT MY CREDIT BALANCE AND THEY ARE NOT ANSWERING THEIR PHONES OR EMAILS EVER.

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 2026-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: TX

Complaint narrative:
Someone did fraud on my account twice her name is XXXX XXXX. I asked for the returning of my funds the employee refuse to investigate. I asked to speak to a supervisor and they put someone on the line who refused to give his name or put his supervisor on the phone. I asked for his supervisor phone number and his email I got the man hanging up on me. I have been with Chime as a loyal customer to receive this kind of treatment. I had {$670.00} stolen from me and I can't get the help back to return my money. This is unacceptable and poor customer service!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
CREDIT COLLis falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLLis a debt collector. They are falsely reporting on my credit!! Account number is XXXX 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 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CT

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting and improper reinsertion of a collection account by LVNV Funding LLC. The LVNV Funding account was previously removed from my credit report, but it has since been reinserted on my TransUnion and Equifax reports. I was not provided any notice of reinsertion as required under the Fair Credit Reporting Act. Additionally, the account continues to be reported as verified despite my disputes, but I have not been provided with any documentation proving the validity of this debt or LVNV Fundings legal authority to collect and report it. This inaccurate reporting is negatively impacting my credit profile and my ability to obtain credit. The account has already been removed from my XXXX report, which further raises concerns about the consistency and accuracy of the information being reported. I am requesting that LVNV Funding LLC and the credit reporting agencies conduct a proper investigation, provide the method of verification, and remove this account from my XXXX XXXX XXXX credit reports if it can not be fully verified in compliance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Block, Inc.
State: GA

Complaint narrative:
My XXXX XXXX XXXX son used his sponsored Cash app card to send hundreds dollars to XXXX over around a dozen times throughout the month of XXXX, even though their own policy prohibits sponsored accounts from transacting with gambling merchants.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Someone used my personal information to apply for an auto loan, which resulted in an inquiry appearing on my credit report. I do not recognize this inquiry and did not authorize this application. I formally demand that TransUnion remove and delete any and all related accounts and inquiries from my credit file immediately.

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