vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Javitch, Block & Rathbone LLC
State: OH

Complaint narrative:
On XX/XX/2026, at approximately XXXX XX/XX/XXXXEST, I spoke with a Javitch Block representative XXXX XXXX regarding Case # XXXX. The representative engaged in high-pressure collection tactics and misrepresented the legal status of the debt in violation of the FDCPA and Ohio law . Specifically : Misrepresentation of Legal Status : The representative claimed the account was in the " garnishment phase '' and later stated that a garnishment had already been " filed. '' Violation of Notice Period : The " Notice of Court Proceeding to Collect Debt '' ( 15-Day Demand ) was postmarked XX/XX/2026. Under Ohio Revised Code 2716.02, the legal window to respond does not expire until the end of the day on XX/XX/2026. By threatening garnishment before this window closed, the agency is misrepresenting the legal process to coerce payment. Refusal of Supervisor : The representative initially attempted to block my request for a supervisor and used the threat of " filed '' garnishment to discourage me from asserting my legal rights. As of today, XX/XX/2026, I spoke directly to the XXXX XXXX XXXX clerk and they confirm no garnishment has been filed by Javitch Block or XXXX XXXX. This was a false or premature entry and supports my claim that I filed with CFPB of a procedural discrepancy and lack of transparency regarding the 15 day notice period required by Ohio law.

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 2026-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Bank of America denied my reinvestigation but admitted on the phone that they have no documents, no investigator notes, and no evidence beyond spending habits. The representative ( XXXX ) stated they could not provide any documentation and that they only used typed notes. This directly contradicts their denial letter dated XX/XX/year>, which claims they reviewed the information I submitted. They reused the exact same information from the XXXX denial and did not review any of the evidence I provided. This means a reinvestigation did NOT occur.

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 2026-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: MO

Complaint narrative:
On the morning of XX/XX/year>, my virtual card number was used to make XXXX transactions, labeled XXXX XXXX transfer. The transactions totaled {$540.00}. I have no business with this merchant, and have never used or heard of their company before. I tried to contact the merchant and they stated they have no account with my name and had no way of giving the money back.. During the time the transactions were being made, my banking service, " Chime '' sent me a text message and asked me if the transactions were me because they seemed fraudulent. I said no it was not me. Chime sent me another text message, they stated that no money would be taken from my account, and the transactions have been stopped. This was not true as they allowed all XXXX transactions to go through. I filed a dispute. They denied it even though I had never had any transactions with this company before. They asked me to send in a copy of the XXXX address on my phone. I sent it in. They denied my dispute again. I requested information that they use to come to the conclusion of the dispute. They have not yet sent that information it has been XXXX days. I have filed a police report. I am waiting for them to send me the information on the dispute so that I can call them back with the information for the police report. They refuse to give me any information about the charges. The charges were made from a virtual card that chime assigned me. I have never given out my debit card information to anyone and no pin was used for this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
I had closed an account with U.S. Bank and they sent me the balance via check for {$3200.00}. I deposited this check into my XXXX account. XXXX has had the funds from the check locked for over a year now. XXXX told me they need to verify the check and then I can use the funds. The problem is that U.S. Bank told XXXX they cant verify the check ( this is according to XXXX ). So XXXX has my funds locked and wont release it until U.S. Bank can verify the check.

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 2026-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Halsted Financial Services, LLC.
State: TN

Complaint narrative:
XXXX been receiving emails multiple times a day, including weekends, about a debt. The debt was already on my credit report, but recently XXXX been getting an email about it every single day so I believe that my information was sold to a company. XXXX never signed up to receive ANY email from the company, but at the bottom they are giving me the option to opt-out when I never signed up.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 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: CA

Complaint narrative:
I reported to the XXXX XXXX Police Department about an account opened with XXXX XXXX and disputed with Experian as I see that account information in my credit report but both of them can't help me with the problem. XXXX responded to my last complaint that they can't find any accounts opened under my name but they gave me the information of that account but not full email address or email. And XXXX found out that account email is XXXX belong to the address XXXX reported XXXX XXXX XXXX, XXXX XXXX. Other side, Experian keeps declining my dispute because they said that address is belong to me even XXXX provided the police report with XXXXXXXX XXXX badge number already. Both of them are not helpful at all.

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 2026-02-23 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Recently my XXXX XXXX credit card payment was so I have a line credit of XXXX, my balance was XXXX I made a payment of XXXX but no where near on the website it stated my account was closed. They usually harassed people for payment and Ive had not gotten no phone call also they have a message on there website and there was no letter or attachment, they only one was for the month of XXXX, nothing for XXXX stating my account was going to get closed. They email me saying my account needed attention of if I needed assistant paying, I ignore it because I had already set the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
XXXX XXXX XXXX and I resolved the debt and they agreed to remove it is why it was approved

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/year>, XXXX restricted my checking account after a {$100.00} XXXX transaction attempt. The restriction was placed without advance notice, and I was immediately denied access to my deposited funds. I was not provided written notice explaining the reason for the restriction, its expected duration, or the specific steps required to restore access. From XX/XX/XXXX through XX/XX/year>, I was unable to access my own money. During this period, I contacted XXXX and was informed verbally that the restriction related to a transaction review and identity verification, but I was not given clear or timely written guidance that would have allowed me to promptly resolve the issue. Because I was denied access to my funds and had no reasonable alternative, I was forced to incur significant out-of-pocket expenses in order to continue working and meet basic living obligations. These expenses included travel, lodging, transportation, and daily necessities, totaling approximately {$7000.00}. On XX/XX/year>, my account access was restored. XXXX later issued a {$25.00} courtesy credit, which did not meaningfully address or reimburse the financial losses caused by the denial of access to my funds. The issue is not the temporary restriction itself, but Truists failure to provide timely notice, transparency, or adequate guidance, which directly resulted in substantial financial harm. I am requesting reimbursement for the documented expenses caused by Truists denial of access to my deposited funds, along with a full written explanation of the restriction and why appropriate safeguards were not in place to prevent this harm. As a result of being denied access to my deposited funds, I was also forced to take an employment advance in order to cover immediate expenses and continue working, which further evidences that the financial harm was unavoidable and directly caused by XXXX actions. I also missed approximately XXXX week of work as a direct result of being unable to access my funds, which caused additional lost wages and further financial harm.

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 2026-02-23 00:00:00
Product: Mortgage — FHA 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: Union Home Mortgage Corp
State: GA

Complaint narrative:
UPDATE : On Thursday XXXX/XXXX/26, I received an email from XXXX XXXX, lead loss mitigation XXXX for Union Home Mortgage letting me know I had been approved for a loan modification. I thought this would resolve my prior complaints, unfortunately, I received another email shortly after the first stating that once again my ex husbands name would be required before I would be allowed to enter into a permanent modification. This directly contradicts Union 's own response to my prior complaint. -- See Company 's Response dated XXXX/XXXX/25. Please take not of the documents that would be required in order to exclude the co-borrowers signature. Final divorce decree and quit claim deed, showing that " I had been awarded the property and I was liable for the debt. '' and " they were willing to move forward with the modification excluding co-borrowers signature '' once those documents were sent to them and they were, immediately after the judge signed them. NOWHERE does their response say " if the decree says this or that. '' The Union legal team is claiming because the decree mentions " refinance '' that they must have his signature. REGARDLESS of how the decree reads, he is still on the loan. I should have been able to have his signature waived under HUD XXXX last year, as I met the requirements. This company needs to stand by it's word and allow the permanent modification to go through excluding co-borrower signature. I am also asking for a Release of co-borrower as part of the modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I travel overseas to XXXX XXXX XXXX around XXXX through XXXX and open a savings account. I receive a ATM card only cash withdrawals. At XXXX Maryland I lost my ATM card.

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 2026-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
In XXXX, I lost important personal documents, including identification documents. Since that time, unknown individuals have used my personal information without my knowledge or authorization. Fraudulent credit card accounts, bank accounts, and other financial accounts were opened in my name. Unauthorized purchases and financial activity were conducted without my consent. I have recently begun receiving multiple letters from creditors and collection agencies regarding significant debts that I did not create and do not recognize. I did not open, authorize, or benefit from any of these accounts or transactions. I am a victim of identity theft and request a full investigation, removal of all fraudulent accounts and debts from my credit reports, and cessation of all collection activity related to these fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Fresh Holdings Inc
State: MI

Complaint narrative:
I notified this company in writing on XX/XX/XXXX that they are not permitted to contact me at my place of employment. Despite this written notice, they called my workplace again on XX/XX/XXXX and left a voicemail. This is a violation of the Fair Debt Collection Practices Act. I am requesting confirmation that my workplace number has been removed and that no further employer contact will occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 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: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: 2233 Paradise Road LLC
State: TX

Complaint narrative:
I keep getting text messages from this company which I do not owe any debt from payday loans and I accidentally enter my information once I clicked through the link because I wanted to find out what debt. Here are their messages Your XXXX XXXX XXXX account is with XXXX XXXX, a debt collector. If we are unable to resolve your account, we must return it to the current creditor, where upon return, it will be further reviewed to see if it meets their criteria for referral to a law firm in your state. Visit XXXX XXXX XXXXXXXX or call XXXX to learn more. Reply stop to opt-out

Company response to consumer: Untimely response
Consumer complaint received 2026-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TClub Inc
State: AL

Complaint narrative:
I Have transferred {$4300.00} dollars to XXXX from USA through ABOUND BY TIMES OF XXXX APP. The money didn't reflect in the receipting account yet. I have contacted them through email and app no one responded since 2 weeks. Transaction id XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: SC

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER 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 XXXX - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Bepensa Capital, Inc.
State: SC

Complaint narrative:
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 XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$7400.00}, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX on the amount of {$16000.00} and an auto loan account opened at XXXX XXXX on XX/XX/XXXX, XXXX the amount of {$36000.00}. These accounts have resulted in several fraudulent XXXX inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the XXXX inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or XXXX inquiries as reported. The aforementioned accounts, collections, and XXXX inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and XXXX inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXXXXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and XXXX inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Bepensa Capital, Inc.
State: SC

Complaint narrative:
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. This fraudulent, inaccurate, and false information consists of a Auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$7400.00}, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX on the amount of {$16000.00} and an auto loan account opened at XXXX XXXX on XX/XX/XXXX, XXXX the amount of {$36000.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 Criminal Complaint # XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
Validation of Debt Request - CAINE & WEINER - XXXXXXXX XXXX XXXX XXXX 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 : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts i

Company response to consumer: Closed with explanation