vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
According to the credit collector agency, they said I owed {$250.00}. When I called the bank today. I provided my information, they said Im not in their system and they couldnt find me. They told me to call the credit bureau which I did. I filled dispute for the fake debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
The product I was using was Coinbase 15 minute prediction markets. While using these prediction markets I noticed that the price being displayed was misleading and possibly being manipulated in favor of the issuer. After doing some research I realized they used XXXX XXXX XXXX and a XXXX second average to determine the outcome price. While diving deeper and comparing the prices to many other reputable price displaying sources and websites I noticed the the prices being displayed by Coinbase were just plain incorrect. Basically the company was displaying false prices on the prediction markets to lure customers to buying into something without even knowing what they were buying into. In total this lost my account {$7500.00} from XXXX XXXX XXXX. There were numerous different transactions so I have a complete document downloaded from Coinbase directly to show all the transactions and I have screenshots of evidence to also add. It can also be added that numerous states are also suing coinbase for very similar issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
In XXXX I contacted American Express and was placed into a forbearance arrangement on my account. My XXXX credit report confirms this by showing a notation of Account In Forbearance for XXXX through XX/XX/XXXX. Despite this active forbearance, American Express simultaneously reported my account as 30 days past due in XXXX XXXX, 60 days past due in XXXX XXXX, 90 days past due in XX/XX/XXXX, and 120 days past due in XX/XX/XXXX. Reporting derogatory late payment marks during a period in which the account was in active forbearance is inaccurate and violates FCRA Section 623 ( a ) ( 1 ). I filed a dispute with XXXX on XX/XX/XXXX referencing this conflict.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
XXXX XXXX An authorized purchase was completed with the merchant XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX progressively increased their redemption delays. The merchant held funds for up to a total of XXXX business days. This was a direct violation of their own explicitly stated 14-day policyXXXXContract and Terms Manipulation: During this extended period, XXXX unilaterally and retroactively altered their stated processing terms from 14 days to 60 business days in order to cover their fulfillment delays and poor practicesXXXXBad-Faith Verification Demands: XXXX requested verification bank statements specifying an individual name for a Mercury business account ending in XXXX. The account being under a business entity, this demand was a physical impossibility. They also demanded other unreasonable documents, including verification for accounts that had not been used with the merchant for several months. I made a request to close my account entirely and settle the funds but was ultimately ignoredXXXX XXXX A dispute was opened with Capital One explaining the timeline and the nature of the merchant's non-compliance. Evidence was provided (including the attached XXXX XXXXAutomated Rejection Loop: Due to the merchant successfully stalling resolution for months, the credit card dispute ran past the standard 60-day window under the Fair Credit Billing Act. On review, Capital One applied an automated script, rejecting the claim solely based on the date of the October transaction without investigating the merchant's bad faith actions and ongoing fraud."

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX for inaccurate credit reporting, failure to provide proper validation, and furnishing unverifiable information to consumer reporting agencies in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). XXXX XXXX XXXX is reporting a collection account on my XXXX credit report as a Debt Buyer Account with Narrative Code XXXX ( Collection Account ). I formally disputed this account and requested a complete Method of Verification ( MOV ), chain of assignment/ownership, original account documentation, and competent evidence establishing XXXX XXXX XXXX authority to collect and report this alleged debt. Despite these requests, XXXX XXXX XXXX failed to provide : Original signed agreement or contract bearing the consumers signature Complete chain of title/assignment from the original creditor to XXXX XXXX XXXX Account-level billing/payment records Documentation supporting the Date of First Delinquency being reported Evidence of a lawful and reasonable investigation beyond automated verification systems Documentation proving the reported balance and delinquency timeline are accurate Instead, XXXX XXXX XXXX merely continued furnishing the same disputed information to XXXX without competent verification. The reporting itself raises concerns regarding accuracy and compliance. The account is reported as opened on XX/XX/year> while simultaneously reporting a Date of First Delinquency of XX/XX/year>. As a debt buyer, XXXX XXXX XXXX must maintain and furnish complete and accurate original delinquency information. I dispute the accuracy and verifiability of the delinquency chronology and reporting data. XXXX dispute results also demonstrate that the furnisher simply reaffirmed the reporting without providing actual supporting documentation. This suggests the account was verified through automated systems such as e-Oscar rather than through a true reasonable investigation as required under the FCRA.

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 2026-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX is furnishing an inaccurate and misleading charged-off credit card account on my credit report. The account number is XXXXXXXX XXXX XXXX XXXX XXXX. The report shows a {$970.00} balance, charge-off status, date opened XX/XX/XXXX, date closed XX/XX/XXXX, last payment allegedly made XX/XX/XXXX, and date updated XX/XX/XXXX. The estimated removal date is XX/XX/XXXX. However, the account also shows a historical high balance of {$1800.00} and a historical credit limit of {$1500.00} from XX/XX/XXXX to XX/XX/XXXX, years after the account was allegedly closed. This is inaccurate, misleading, incomplete, and potentially re-aging or updating an old charge-off in a way that continues to damage my credit. I dispute the balance, charge-off status, date of first delinquency, last payment date, date closed, date updated, historical high balance, and credit-limit history. I request that the CFPB review XXXX conduct for FCRA violations, inaccurate furnishing, failure to reasonably investigate, and any civil penalties or consumer relief available under law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: MA

Complaint narrative:
This has been an ongoing situation about my identity theft. In XXXX my identity was stolen and Ive been working with the police and credit bureau since. This needs to be removed from all credit bureau immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Climb Credit Inc.
State: NJ

Complaint narrative:
I was scammed into signing up for Climb with a promise that my tuition will be free and with high returns instead i'm now being placed on collection and invoiced XXXX of dollars XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 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: CA

Complaint narrative:
I state that I have tried correcting information on my credit report with no success. The agency has failed to provide any information regarding my disputes and do not fully investigate and does not provide method of verification for the accounts.

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 2026-05-22 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
XXXX XXXX XXXX charge stuff in account of a debt they say I owe that was covered by total loss Gap payment I was never issued a notice of this unpaid debt as it should have been included in the total loss payment I was never given any telephone calls or any written correspondence regarding to this that it just showed up on my credit report as a charge off and that is illegal since I was not aware of said that I have tried to get a hold of XXXX XXXX they are no help I have got hold of the excited of office and they are no help as well I need somebody to resolve this issue and remove this debt from 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 explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells fargo allegedly sent me a notice, which I didn't receive - as I was in a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am the representative of a XXXX XXXX and their funds. Those are NOT my funds, they belong to a XXXX XXXX that can not legally consent to anything. Wells Fargo alegedly demanded that I roll over his CD into a new one by a certain time. As I stated, I never received such a notice. They dont care. They locked the minors funds away in an extremely poor producing rate. They pretended that they would fix things. They never did and wasted a ton of my time instead. Can you fix this?

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 2026-05-22 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: MN

Complaint narrative:
XXXX XXXX and the consumer reporting agencies furnishing/reporting this account. I am submitting this complaint regarding materially inaccurate and inconsistent reporting associated with my XXXX XXXX XXXX XXXX account under the Fair Credit Reporting Act ( FCRA ). The account was opened on or about XX/XX/XXXX and was paid in full on XX/XX/XXXX. I possess direct documentation from XXXX XXXX XXXX XXXX confirming : * the account was PAID IN FULL * the account status was Paid, Closed/Never late * the account was closed in good standing However, despite this documentation, TransUnion continues to report derogatory late-payment history on the same account, including : * one 30-day late payment * multiple 60-day late payments At the same time : * XXXX reflects substantially different payment history reporting * XXXX XXXX own payoff and account records contradict the derogatory reporting being furnished to TransUnion This creates a material inconsistency between : 1. XXXX XXXX own records 2. XXXX reporting 3. TransUnion reporting Under the Fair Credit Reporting Act, furnishers are required to report information with maximum possible accuracy and conduct reasonable investigations when disputes are submitted. The continued reporting of derogatory payment history directly conflicts with : * XXXX XXXX own Never late account status * the official paid-in-full documentation * inconsistent bureau reporting histories I am requesting : * immediate investigation of the account furnishing * verification of every alleged late payment being reported * documentation proving the accuracy of the reported derogatory history * correction or deletion of any unverifiable or inaccurate late-payment reporting * written explanation for why TransUnion reporting materially differs from XXXX and XXXX XXXX own internal records If XXXX XXXX can not fully verify the alleged derogatory history with competent documentation, I request immediate deletion of the inaccurate late-payment history from my TransUnion consumer report. I am attaching : * XXXX XXXX paid-in-full letter * account records reflecting Paid, Closed/Never late * screenshots of conflicting bureau reporting

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Klarna AB
State: GA

Complaint narrative:
I currently have approximately {$500.00} held in my account with Klarna that I am unable to access due to a verification issue. I attempted to complete the identity verification process using my valid government-issued ID and facial scan, and all information matches correctly. However, the system repeatedly returns a message stating that verification is unavailable. This issue has been ongoing for over a week. I contacted Klarna customer support multiple times and was told that they are unable to manually verify my identity or resolve the issue. This leaves me with no available option to access my funds. I have followed all instructions, waited between attempts, and made multiple efforts to resolve the issue, but my funds remain locked with no resolution or alternative process provided. I am requesting that Klarna provide a working method to complete verification or immediately release my funds. It is unacceptable to restrict access to my money while also stating that no manual verification or resolution is possible. This situation is causing financial inconvenience, and I am requesting prompt action to resolve it

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: IL

Complaint narrative:
They have for a few months copy catted XXXX XXXX scams and adding fake fees and when I complained I believe that XXXX XXXX knows when I get paid because they are my mortgage company and I was on the website livid and ready to tell them come get your car because the fees are what XXXX XXXXmade headline news over the XXXX scandal in which they ripped my sister off then during the pandemic destroyed my entire life is not happening again.. So not only are they charging phoney fees. Theyre websites crashing and today I get a notice of them putting a fake payment through and thats why they judstify charging g these fake unexplained fees that I know are illegal but the indignance will challenge them to have no shame and no legal consequences ever so now they stole a whole payment. I never authorized nothing. Not one dime because XXXX XXXX knows I dont get paid only once on the first from XXXX retirement they have my personal information There fore they know they can justify this as a nsf. Let me ask you if you really truly would accuse me of making a payment early because its not due yet with XXXX $ in my bank account. They have stolen money and now Im terminating that authorization and my my consent to ever touch a XXXX of my money again and their finance agreement for the carThats my final word. Please investigate this criminal event and I will ask you if you can find out if they have any thing to XXXX in any way with XXXX XXXX because I am almost. XXXX XXXX percent sure because this criminal activity in which will cost me my car. This isnt my home. I dont care about the car enough to let people rob right out of my bank account and copy cat steal in a very suspicious XXXX manner. Its a car. Theyve done all this with my mortgage but a car I can care less. You can let them know I dont ever want them touching my bank account ever again. Im never giving them another XXXX ever since stealing breaches my contract. I would like to know what and who to contact or do I file a police report. Im done. I would prefer them being prosecuted and they will. Its just the beginning. Thats what happens everytime when. Greed clouds them and they actually go passed it being a civil matter. This now criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC
State: NY

Complaint narrative:
I am being forcefully and fraudulently foreclosed upon by my mortgage service provider Loancare/XXXX and a law firm XXXX and XXXX. I have made several payments over the last 7 months ( XX/XX/XXXXXXXX to XX/XX/XXXXXXXX ) to the service provider ( Loancare/XXXX ) . They accepted some in XXXX and XXXX XXXX and then began rejecting them starting XX/XX/XXXX. Attempting to settle the amounts due, the provider began rejecting all attempts to settle the matter and started adding legal fees. Payment of {$1000.00} with check number XXXX was made on XXXX and rejected on XXXX, payment of {$1000.00} with check number XXXX was made on XXXXXXXX and rejected on XXXX, payment of {$1500.00} with check number XXXX was made on XXXX and not credited/or was rejected ( unknown ), check never returned, payment of {$7500.00} with check number XXXX was made on XXXXXXXX and rejected on XXXX and currently {$12000.00} with a cashiers check number XXXX has been rejected. This most current payment was all my savings and is now in limbo. Upon questioning legal fees the service provider would not indicate what the value were, instructed me to contact a law firm. Upon contacting the firm they indicated that they did not have financial details. Upon receiving a formal statement from Loancare on or about the date of XX/XX/XXXXXXXX indicating a payoff and reinstatement amount to be due on or before XXXX. I made a payment of {$12000.00} in the form of a cashiers check on XX/XX/XXXX, mailed overnight express on XX/XX/XXXXXXXX to the address on the statement and for the dollar amount to be paid in order for reinstatement of the loan. I called the service providor to ensure they were notified of the payment. They informed me that the payment would be rejected as it did not meet the minimum due to reinstate the loan. I never received any notification of foreclosure or of amounts to be claimed to owed. I am at risk of losing my home and my XXXX children depend on me to provide.

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 2026-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Between XX/XX/year> and XX/XX/year>, ten separate settled debit card transactions of {$190.00} each ( totaling {$1900.00} ) were charged to my bank account by XXXX XXXX. I first noticed the charges on XX/XX/year>. The same day, I contacted XXXX XXXX and was told they did not see any {$190.00} charges on my account. The charges also did not appear in my XXXX XXXX portal transaction history or statements. Based on that information, I contacted Chase on XX/XX/year> and filed a fraud dispute. Chase issued provisional credits while investigating the claim. On XX/XX/year>, Chase denied the dispute. On XX/XX/year>, I contacted Chase and requested the evidence provided by XXXX. I was advised by XXXX in the reassertion department that the claim was denied due to my existing customer relationship with XXXX. He also advised that the claim could not be reopened under Regulation E, although I could submit additional documentation for consideration. Also on XX/XX/year>, I contacted XXXX again and was then told that they only saw one {$190.00} XXXXrelated charge dated XX/XX/year> and did not see ten charges. I requested transaction history, statements, or documentation showing the charge ( s ), but I was told they could not provide anything to me. I also visited the XXXX store on XXXX XXXX in XXXX, Georgia and spoke with the XXXX, XXXX, who similarly stated she only saw XXXX {$190.00} charge and opened escalation ticket XXXX. At this time, I still have not received the evidence Chase states XXXX provided in support of the denial. I was told on XX/XX/year> that the documentation was being mailed to me and could take approximately 10 business days to arrive. I am requesting review of Chases handling of this dispute, as XXXX duplicate settled charges totaling {$1700.00} remain unexplained, and neither Chase nor XXXX has provided documentation adequately supporting all ten transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Allied Consulting Services LLC
State: AL

Complaint narrative:
I have received several call and texts from a company that states they are Allied Consulting via text. I returned their calling requesting written verification of whatever debt they claim there is. The rep simply said that he would reach out ( to my old job ) and they will collect the debt and then proceeded to hang up in my face. I have not received an email, a letter or anything explaining a debt, the amount of the debt or the company they are collecting the debt for. If there is a debt I have a right to be given detailed information regarding the debt and given the opportunity to resolve the debt. This company is unprofessional and not handling procedures correctly.

Company response to consumer: Closed with explanation