vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am submitting this complaint because a fraudulent account resulting from identity theft is being reported on my credit report. I never opened, authorized, or used this account.The account being reported is : * Creditor : XXXX XXXX XXXX XXXX XXXX * Opened : XX/XX/year> * Reported balance : approximately {$3600.00}. I already submitted an FTC Identity Theft Report and disputed this account, requesting deletion under the Fair Credit Reporting Act ( FCRA ). Despite this, the inaccurate account continues to appear on my credit report.

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 2026-06-01 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: NJ

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2026-06-01 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: TX

Complaint narrative:
THIS ACCOUNT DOES NOT BELONG TO ME AND WAS REPORTED IN ERROR. I HAVE NEVER OPENED, AUTHORIZED, OR HAD ANY AFFILIATION WITH THIS ACCOUNT. I AM FORMALLY DISPUTING THIS ITEM AND REQUEST A FULL INVESTIGATION AND PROPER VERIFICATION. IF IT CAN NOT BE VALIDATED WITH COMPLETE AND LEGITIMATE DOCUMENTATION, IT MUST BE REMOVED 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
Consumer complaint received 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XXXX XXXX, 2026, CITIBANK TRANSFERRED {$60000.00} FROM MY MONEY MARKET ACCOUNT AND DID A WIRE TRANSFER OF {$100000.00}. BOTH THESE TRANSACTIONS WERE UNAUTHORIZED BY ME OR MY WIFE. CITIBANK CONDUCTED XXXX ( XXXX ) INVESTIGATIONS TRYING TO FIND OUT WHAT HAPPENED. THEY DID NOT REPORT TO ME WHAT THEY FOUND BUT CLAIMED THAT I FAXED TO PROTECT MY INFORMATION. I MAINTAINED THAT IT WAS AN INSIDE JOB BY AN EMPLOYEE BECAUSE THEY WERE ABLE TO READ THE LAST XXXX TRANSACTIONS IN MY CHECKING. CITIBANK ALSO FAILED TO COMPLY WITH REGULATION E. THE {$100000.00} WAS OUR LIFETIME SAVINGS AND ME AND MY, AGE XXXX LIVE ON A FIXED INCOME. WE NEED THIS MONEY TO LIVE.

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 2026-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED 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 2026-06-01 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express misclassified my initial {$4700.00} total international fraud dispute ( Case # XXXX for {$1700.00} and Case # XXXX for {$3000.00} ) provided XX/XX/year> regarding the merchant XXXX XXXX under a standard 'transaction error ' billing code instead of classifying it as Counterfeit Merchandise / Goods Not as Described. Because of this internal administrative error, AmEx 's automated system completely ignored the official XXXX XXXX Police Report and evidence that I uploaded. The system defaulted to a merchant win based solely on the vendor 's claim that 'no refund was requested. ' AmEx 's failure to properly categorize this dispute and review the criminal evidence constitutes a clear violation of my consumer rights under the Fair Credit Billing Act ( FCBA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch
State: AZ

Complaint narrative:
What happened? I filed XXXX XXXX bankruptcy and my discharge was entered on XX/XX/year>. During the bankruptcy process, AutoNow Financial Services removed my automatic ACH payment authorization. Since my discharge, I have contacted AutoNow multiple times over a period of approximately 34 months and requested that automatic payments be restored. Each time, I was told that AutoNow would not reinstate autopay, but no clear explanation or written policy was provided. Because AutoNow refuses to restore autopay, I am required to make manual payments and am charged approximately {$12.00} in convenience fees when making those payments. These fees would not be necessary if AutoNow would allow me to resume automatic ACH payments. In addition, I have been unable to obtain adequate account information. I have concerns that charges and adjustments have been added to my account balance without sufficient explanation. I have not been provided with clear, itemized account statements showing how my balance is being calculated. I have also been unable to download or retain account records through the company 's system. I have attempted to resolve these issues directly with AutoNow through customer service on multiple occasions. Despite repeated requests, the company has not restored autopay, has not provided a satisfactory explanation for its refusal, and has not provided the level of account transparency necessary for me to verify the accuracy of my balance and charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA

Complaint narrative:
Consumer Financial Protection Bureau Complaint Against : Select Portfolio Servicing , Inc. ( SPS ) Borrower : XXXX XXXX XXXX Loan Number : XXXX I am submitting this complaint because SPS continues to avoid addressing the central issue in my dispute. I have repeatedly disputed SPS 's implementation and enforcement of a XXXX loan modification that SPS admits was processed without my signature. SPS 's position has been that my signature was not required because I had previously executed a quitclaim deed transferring my ownership interest in the property. My dispute is straightforward : SPS modified a mortgage obligation without obtaining my signature or consent while I remained obligated on the underlying note. Rather than providing documentation establishing its authority to do so, SPS recently responded by sending an " Identity Theft Victim 's Complaint and Affidavit '' package and requesting that I complete identity theft forms, provide sample signatures, identification documents, and a police report. I am not alleging identity theft. I am not alleging that my personal identifying information was stolen. I am not alleging that my Social Security number or identity was used by another person. I am disputing SPS 's legal authority to modify a mortgage obligation without obtaining my consent. The identity theft package does not answer the questions I have repeatedly asked SPS, including : What legal authority allowed SPS to process the modification without my signature? What document evidences my consent? What contractual provision permitted SPS to alter the loan terms without my agreement? What investor, servicing, or legal authority did SPS rely upon? SPS 's response appears designed to recharacterize my dispute as an identity theft matter rather than addressing the actual issue raised. I request that SPS be required to : Provide a complete copy of the modification file. Produce all documents relied upon to conclude my signature was unnecessary. Explain the legal basis for modifying the loan without my consent. Conduct a substantive review of my dispute rather than treating it as an identity theft claim. I have attached SPS 's correspondence and identity theft package for CFPB review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I continue to have problems with the Coinbase XXXX card. I feel that this card, based on past complaints, and this one, is not operating as a standard US credit card in terms of paying the card monthly. See previous complaint. My new complaints surrounds notifying me a payment is due. They do not do this. They do not send me a physical statement, nor do they email when a payment is due. It's up to consumer to keep track in their head when the payment is due. For the first time in probably 20 years, I really was hit with a late fee on the card, and it is because they send no notices out that a payment is due. No emails, no statements, nothing. Per Reg Z, under 12 CFR 1026.7, creditors must furnish a periodic statement ( typically monthly ) for open-end credit accounts like credit cards. It must disclose required items such as the previous balance, transactions, payments/credits, finance charges, periodic rates/APR, balances, due date, minimum payment, and other details ( with specific formatting for credit cards ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: CA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX XXXX per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
My name is XXXX XXXX. On XX/XX/year> and XX/XX/year>, there has been multiple unauthorized charges on my checking account with Chase for XXXX and XXXX. I noticed a lot of my money are missing from my checking and with the merchant for XXXX and XXXX. My phone and wallet was stolen and I filed a police report. I had to get a new phone and cards. I noticed all of my money is missing and I have bills, tickets, and car payments to make. I talked to Chase customer service and fraud department about the unauthorized transactions on my account. They informed me that they will helped me get the funds back into my account. However, they denied my cases and closed them due to authorized transactions with my XXXX XXXX and debit card when I informed them that I didnt authorize the transactions with any of these merchants. I uploaded documents to Chase to support my cases but they still denied me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX collection_or_chargeoff ; negative_reporting ; past_due_reported XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX Collection/Chargeoff / Collection/Chargeoff / Collection/Chargeoff {$2100.00} / {$2100.00} / {$2100.00} {$2100.00} / {$2100.00} / {$2100.00} XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX Charged off as bad debt Profit and loss write-off / Unpaid balance reported as a loss by the credit grantor./ Charged off account Amount in high credit original charge-off amount

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 2026-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I was approved for an American Express XXXX XXXX XXXX XXXX. However, I never received the card in the mail. The card appears to have been lost during delivery and is unrecoverable. I have made multiple attempts to contact American Express to request a replacement card by calling the following numbers : XXXX. ( XXXX ) XXXX Called multiple times, but the call was disconnected each time before I could speak with a representative. XXXX. ( XXXX ) XXXX Called multiple times, but experienced the same issue with the call being disconnected. The disconnections may be related to the fact that I am using a XXXX-based phone number, which appears to be blocked or dropped by American Express 's phone system. I do not currently have access to a traditional landline or cellular phone number to place the call. I also attempted to reach American Express through other channels : - I was unable to log in to my online account or use the Live Chat feature because I never received the card and do not have the card number needed to create an online account. - I attempted to send a direct message to @ XXXX on XXXX ( XXXX ), but the account does not accept direct messages. - I attempted to email XXXX, but the email bounced back as undeliverable. As of XX/XX/year>, I have been unable to reach American Express through any channel to resolve this issue. I still have not received my card, and I have no way to use my approved account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED 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 2026-06-01 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Approximately three years ago, I resolved my private student loans with Navient through a settlement agreement negotiated by my attorney. The settlement was reached around XX/XX/year>. I paid the agreed settlement amount of XXXX on XX/XX/year>, and received confirmation of payment on XX/XX/year>. After payment was completed, these private student loan accounts should have been reflected as settled and closed in accordance with the settlement terms. Despite the settlement and payment, Navient continues to report inaccurate information to the credit reporting agencies. My credit reports continue to show that I am behind on payments on these private student loan accounts. This is incorrect because the loans were already resolved through my attorney-negotiated settlement and paid as agreed. The attorney was XXXX XXXX XXXX with XXXX XXXX XXXX XXXX. I have taken action by reviewing my credit reports and identifying that the Navient accounts are still being reported inaccurately. I am filing this complaint because this inaccurate reporting is damaging my credit and does not reflect the legal settlement or the payments that were made. I am requesting that Navient immediately investigate and correct the reporting for all related private student loan accounts. I am asking Navient to update all credit reporting agencies, including XXXX, XXXX, and XXXX, to remove any late-payment status or other derogatory reporting that continued after the settlement was completed. I also request written confirmation that the accounts have been corrected and that the settlement/payment has been properly reflected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Klarna AB
State: FL

Complaint narrative:
I financed a purchase from XXXX through Klarna and initially set up payments by providing only my bank routing number and account number for ACH debits from my XXXX Bank account. Before my next payment became due, I changed banks from XXXX Bank to XXXX Bank. I contacted Klarna to update my payment information and offered to provide my new XXXX routing number and account number, just as I had done when the account was originally established. Klarna refused to accept this information and instead insisted that I connect my XXXX account through their application and a third-party account-linking service. During this process, Klarna 's own disclosures indicate that they and/or their third-party provider would receive access not only to the account information needed to process payments, but also to account balances and transaction activity. I do not believe access to my balances and banking activity is necessary for Klarna to collect a scheduled monthly payment. I am willing and able to make all required payments and have repeatedly offered reasonable alternatives, including : Providing my routing number and account number for ACH payments ; Setting up automatic payments using a credit card ; or Making payments through other conventional payment methods. Klarna has refused these alternatives and will only accept payment if I grant the requested account access through their linking process. As a result, despite my willingness to pay and my repeated attempts to provide payment information, Klarna has threatened to charge off the account and report negative information to consumer reporting agencies unless I agree to grant access to my banking information beyond what is reasonably necessary to process payments. I am requesting that Klarna either : 1. Accept payment through standard ACH account and routing information without requiring access to balances or transaction history ; 2. Allow payment by credit card or another reasonable payment method ; and 3. Refrain from negative credit reporting related to this matter while I am actively attempting to make payments through conventional means. I am not refusing to pay my obligation. I am refusing to grant access to personal banking information that appears unrelated to the collection of the agreed-upon monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THIS ACCOUNT DOES NOT BELONG TO ME AND WAS REPORTED IN ERROR. I HAVE NEVER OPENED, AUTHORIZED, OR HAD ANY AFFILIATION WITH THIS ACCOUNT. I AM FORMALLY DISPUTING THIS ITEM AND REQUEST A FULL INVESTIGATION AND PROPER VERIFICATION. IF IT CAN NOT BE VALIDATED WITH COMPLETE AND LEGITIMATE DOCUMENTATION, IT MUST BE REMOVED 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