vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
CFPB Complaint : Fraudulent Credit Reporting Due to EP Data Breach Your Information : XXXX XXXX XXXX, DC XX/XX/XXXX Creditor Name : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX - Reported Issue : Collection - Date Opened/ Reported : XX/XX/XXXX Transunion / Creditor Complaint Summary : I am filing this complaint under my rights pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., regarding fraudulent entries on my credit report that were caused by the unauthorized exposure of my personal information in the EP Data Breach, specifically Geoff Hasbrook v. EP Global Production Solutions, LLC. I am an approved claimant in this settlement, confirming that my personal data was compromised. Despite this, my credit report contains entries for accounts and charges that I did not authorize, which are therefore fraudulent. I have already submitted formal disputes to the relevant credit bureau ( s ) and included : - Official EP Data Settlement Approval Letter - Proof of Identity ( Passport ) - Documentation of the fraudulent accounts However, the credit bureaus have not yet resolved the issue. The fraudulent accounts continue to negatively impact my credit, causing potential harm and violating federal law. I request that the CFPB : XXXX. Investigate the reporting of these fraudulent accounts. XXXX. Ensure that the credit bureaus remove all inaccurate entries resulting from the EP Data Breach. XXXX. Confirm that my credit report reflects only accurate information. Enclosed Documents : XXXX. EP Data Settlement Approval Letter XXXX. Settlement Documentation XXXX. Copy of Passport XXXX. Copy of Dispute Letter ( s ) sent to the credit bureau ( s ) Thank you for your attention to this serious matter. I request written confirmation of your investigation and findings.

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 2026-05-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Klarna AB
State: CT

Complaint narrative:
This complaint concerns Klarnas repeated failure to verify my identity despite my information matching across all relevant records and credit reporting data. I have repeatedly attempted to verify my identity with Klarna, but I continue receiving notices stating that Klarna is unable to verify my identity. I have thoroughly reviewed my personal information, including my legal name, address history, date of birth, and identifying details, and I have not identified any mismatches, typographical errors, or inconsistencies that would justify these verification failures. Additionally, my XXXX credit file is not frozen or restricted, and there do not appear to be any active fraud alerts or blocks preventing identity verification. Given this, XXXX repeated inability to verify my identity raises serious concerns regarding the accuracy of its verification procedures, third-party data sources, or internal compliance processes. I am requesting a formal review of my Klarna account and verification status, including clarification regarding the specific reason my identity can not be verified. If third-party consumer reporting agencies, identity verification vendors, or data brokers were used during this process, I request disclosure of all entities involved and any information relied upon in making these determinations. Please also preserve all records, communications, verification attempts, internal notes, and third-party reporting data related to my account and identity verification attempts, as this matter may be reviewed by regulatory agencies and consumer protection attorneys. Klarnas failure to provide meaningful information regarding these repeated verification failures has prevented me from accessing services and resolving any potential inaccuracies. I am requesting that Klarna promptly verify my account or provide a detailed written explanation identifying the precise issue preventing verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I am filing this formal complaint against Goldman Sachs Bank USA ( operating as Marcus by Goldman Sachs ) regarding an unannounced, abrupt modification to their transaction processing policies. This sudden operational change resulted in a failed credit card bill payment, exposing me to immediate financial penalties and potential damage to my credit rating. For several consecutive years, I have routinely and successfully paid my monthly credit card balances by initiating external ACH pull requests directly from my credit card issuers, drawn against my Marcus High-Yield Savings Account. Marcus has consistently, and without interruption, honored these transactions over a multi-year period, establishing a clear, stable operational history for my account. On XX/XX/year>, Marcus abruptly rejected a legitimate ACH debit payment initiated by my credit card issuer, doing so with zero prior notice, warning, or electronic communication. Upon contacting Marcus customer support to investigate the failed transfer, a corporate representative informed me that Marcus has implemented an internal policy change that " no longer allows transfers aside from to other personal checking or savings accounts owned by the client, '' effectively blocking all third-party ACH pulls for credit card bills. The customer service representative explicitly confirmed that no advance disclosure, notice of a change in terms, or warning banner was issued to account holders prior to implementing this highly restrictive shift. While I understand that financial institutions maintain internal discretion regarding fraud and risk parameters, Marcuss failure to provide an advance disclosure violates the spirit and core intent of Regulation DD ( Truth in Savings Act ) specifically 12 CFR 1030.5 ( a ), which mandates a minimum of 30 days ' advance written notice for any structural change that adversely affects the consumer or restricts their transaction capabilities. By failing to provide this mandatory notification window, Marcus denied me the necessary time to restructure my automated financial obligations, directly exposing me to late fees, returned check fees from my credit card company, and the threat of adverse reporting to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX bank sold a debt that was opened fraudulently under my name or social security number to debt buyers XX/XX/XXXX and after Credit Corp solutions. The debt was resolved through spring oaks capital and was declared by myself with a copy emailed to a manager named XXXX who said she would delete this account from credit bureaus. The account has came back again after a completion of a dispute as still on credit. This is very frustrating as myself and an employee at credit Corp solutions came to agreement the account was opened fraudulently and the proof of account resolution was received by the company who said they would delete it. Im attaching the resolution letter for this account through debt buyer spring oaks capital who bought the debt from XXXX bank in who credit Corp solutions is trying to double debt me for an account thats originally not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I can not locate any documentation confirming ownership of this account.

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 2026-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
On XX/XX/year> I visited the Wells Fargo branch in XXXX XXXX Washington. I went into to close my credit card account. I did not request a credit card. Wells Fargo offered to fund the repair of a septic tank. I did not know until after the funding that it was a credit card. When I paid off the loan in big chunks. I wanted the card closed. The bank branch said they could not close it they could only accept a payoff payment. I had to call a Main Number. Each time I called or was passed to another representative. They requested my full Social Security number and birthdate XXXX times to a human being they required that I give all that information. The reason was because I didnt have the credit card number with me anywhere at the time of my call. I dont know any institution that doesnt just need XXXX digits maybe XXXX digits of a Social Security number and seldom needs more than a month and a year of birth. It seemed an enormous amount of very detailed information given to the person, not partially plugged into a computer just for them to be able to close my account. And it wasnt once it wasnt XXXX it was through the XXXX people they passed me through before I got the account closed. This bank needs to change its practices. Its putting my credit information specifically my Social Security number birthdate and name in the hands of people who work at any bank branch or on the phone system. They may have been vetted, but it is not likely that their family members or anyone else they could sell my information to have been vetted. They need to change their practices such that customer service people on the phone or in the bank branch can ask for minor amounts of our information and several other types of questions in order to verify who we are.

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 2026-05-19 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Purchased ( XXXX ) bras from Catherines online store on XXXX2025. Total {$62.00}. Returned items at the XXXX store approximately XXXX week later. Received an email that the return was received, and a credit would be made to my card. Received a bill with no credit posted, but thought that it crossed over so I paid the shipping and handling fee of {$15.00} which I understood to be nonrefundable. Waited for the next billing cycle, and still no credit. Started a dispute with the bank ( XXXX ) and Catherines Credit Card. I was told that while the dispute was ongoing that I would not accumulate late fees/interest on the account. However, I did continue to accumulate those fees. I spoke with the bank and Catherines multiple times and each time I was passed around to wrong departments, people that did not correct the problem. They kept insisting that they had sent a Gift Card for the credit. I have never received a gift card. I asked them to track the Gift Card number to see if it was ever used, and they claimed that they couldn't do that. The final answer received from XXXX Bank on XX/XX/XXXX was that they sent a gift card to me on XX/XX/XXXX for the credit, and they were closing the dispute. With all of the accumulated late fees/interest, the bill was now {$240.00}. My XXXX score has plummeted because of this and I was forced to pay a bill for items that I returned, and don't even have in my possession. In my eyes, XXXX 's and Comenity Bank have committed theft, and I don't know what else to do to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This complaint concerns XXXX XXXX continued denial of disputed unauthorized debit card transactions despite repeated requests for transaction-specific authorization evidence. I disputed transactions associated with XXXX XXXX XXXXXXXX XXXX XXXX, which I did not authorize. Capital One denied the disputes multiple times, primarily relying on the fact that the transactions were completed using a chip card at a chip-enabled terminal. Following the denials, I reopened the claim, submitted supporting evidence, filed an FTC identity theft report, and specifically requested documentation supporting Capital Ones conclusion that I personally authorized the transactions. I requested any receipt, invoice, signed authorization, merchant documentation, or other transaction-specific evidence beyond the mere existence of a chip transaction. Capital One did not provide the requested documentation. Instead, the company continued relying primarily on the existence of a chip transaction at a chip-enabled terminal as the basis for denial. This complaint follows a prior CFPB complaint regarding the same disputed transactions and reopened review process. Even after CFPB escalation and additional review, Capital One still did not provide transaction-specific authorization evidence responsive to my requests. I also submitted evidence relevant to the disputed transactions, including timeline and location information related to my travel and account activity. Additionally, after Capital One advised me to contact the merchant directly, I attempted to identify contact information for the merchant. However, I was unable to locate any verifiable public contact information beyond a residential address associated with the business registration. I do not believe Capital One meaningfully addressed my requests for transaction-specific authorization evidence during the reopened review process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
This debt collector has done unjustifiable 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 XXXX parties and I did not participate in any of it. they didn't follow the proper XXXX validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: LOBEL FINANCIAL CORPORATION
State: TX

Complaint narrative:
I paid for the car and I asked the department of repossession to Send a reales letter for with a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing this complaint because Bank of America ( Account ending XXXX ) is refusing to acknowledge or locate a refund payment that was issued to them over XXXX days ago. On XX/XX/year>, a refund check in the amount of {$6100.00} ( Check # XXXX ) was issued by the product administrator and mailed via XXXX to Bank of Americas XXXX, DE office. I have written confirmation from the XXXX, XXXX XXXX, verifying the check number and the date of disbursement. I have attempted to provide this evidence to Bank of America via their secure online portal, but the portal consistently returns a technical error ( " There was a problem sending your message '' ), effectively blocking me from submitting the proof of payment. Customer service representatives have stated that " no funds have been received, '' but they have failed to search the bank 's " unapplied funds '' or " suspense accounts '' using the specific check number I provided ( # XXXX ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
I am writing to respectfully request a goodwill adjustment for the late payment reported on my student loan account during a temporary financial hardship. At the time, I was unexpectedly laid off from work for approximately XXXX months while supporting my family and preparing for the birth of my second child. During this same period, I also relocated from XXXX XXXX XXXX in search of stable employment and better financial opportunities. These circumstances created a temporary hardship that affected my ability to remain current on my account. Prior to this hardship, I made every effort to manage my financial obligations responsibly, and since returning to stable employment, I have worked hard to bring my account back into good standing and maintain consistent payments. This late payment does not reflect my normal financial behavior or commitment to meeting my obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 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: AMERICAN EXPRESS COMPANY
State: NM

Complaint narrative:
I am submitting this complaint regarding multiple accounts reporting on my credit file that I believe are fraudulent, unauthorized, identity theft related, or opened/used without my free and voluntary consent. I discovered several derogatory accounts, charge-offs, late payments, and collection accounts reporting across my credit reports. Fraud victim alerts were also placed on my credit reports warning creditors that fraudulent applications may have been submitted using my identity. The accounts reporting include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Some accounts are reporting charge-offs, collections, or severe late payments that I dispute. I requested validation and supporting documentation from the companies including original applications, signatures, transaction records, IP addresses, account opening records, statements, and proof of authorization. The companies either failed to fully provide the requested information or continued reporting inaccurate information while the accounts were disputed. These accounts have negatively impacted my credit score, financial standing, and ability to obtain credit. I am requesting a full investigation into all disputed accounts and that any fraudulent, unauthorized, inaccurate, or identity theft related information be removed or corrected immediately under the Fair Credit Reporting Act. I am also requesting that the companies cease reporting inaccurate information while these disputes and identity theft claims are being investigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-19 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: U.S. BANCORP
State: NM

Complaint narrative:
I am submitting this complaint regarding multiple accounts reporting on my credit file that I believe are fraudulent, unauthorized, identity theft related, or opened/used without my free and voluntary consent. I discovered several derogatory accounts, charge-offs, late payments, and collection accounts reporting across my credit reports. Fraud victim alerts were also placed on my credit reports warning creditors that fraudulent applications may have been submitted using my identity. The accounts reporting include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Some accounts are reporting charge-offs, collections, or severe late payments that I dispute. I requested validation and supporting documentation from the companies including original applications, signatures, transaction records, IP addresses, account opening records, statements, and proof of authorization. The companies either failed to fully provide the requested information or continued reporting inaccurate information while the accounts were disputed. These accounts have negatively impacted my credit score, financial standing, and ability to obtain credit. I am requesting a full investigation into all disputed accounts and that any fraudulent, unauthorized, inaccurate, or identity theft related information be removed or corrected immediately under the Fair Credit Reporting Act. I am also requesting that the companies cease reporting inaccurate information while these disputes and identity theft claims are being investigated.

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 2026-05-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
We turned in our keys in XXXXXX/XX/XXXX 2025. We were told we were paid up and received our move out statement reflecting a XXXX balance. Now I get a collection notice on my credit report. I filed all of the necessary documentation to Experian , and they said they verified the debt. How can I owe something that was already paid?

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