vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rubin & Rothman, LLC
State: CT

Complaint narrative:
On approximately XX/XX/XXXX, a business credit card account was opened with XXXX XXXX in my name without my knowledge or authorization. I did not apply for this account, did not authorize anyone to apply for it on my behalf, and never received or used the card. The charges on this account, totaling approximately {$31000.00}, are the result of identity theft. I discovered the fraudulent account on approximately XX/XX/XXXX. Upon discovering it, I filed an Identity Theft Report with the Federal Trade Commission on XX/XX/XXXX ; my FTC report number is XXXX. I contacted XXXX XXXX to report the identity theft a few weeks later. XXXX XXXX informed me that it had completed its investigation and concluded the account was not fraudulent. XXXX XXXX did not provide me with any documentation supporting this conclusion including the original application, the address, email, or phone number used to open the account, or any signature or verification records. I was also told that once XXXX XXXX reached its conclusion, the case could not be reopened. I dispute XXXX XXXX XXXX conclusion. I believe XXXXXXXX XXXX XXXX investigation was unreasonable because it did not provide me an opportunity to review the evidence it relied on, and it appears to have verified only that the account exists in its system rather than confirming that I personally opened it. I have provided XXXX XXXX with a valid FTC Identity Theft Report, which it is declining to honor. As a result of this fraudulent account, I am now being contacted by a debt collection law firm, Ruben & Rothman, seeking payment on a debt I am not responsible for. This fraudulent account is also appearing on my credit report and is damaging my credit. I am requesting that XXXX XXXX : ( XXXX ) provide the complete application and all method-of-verification records used to open and verify this account ; ( XXXX ) conduct a reasonable reinvestigation of my identity theft claim ; ( XXXX ) close the fraudulent account and cease collection activity ; and ( XXXX ) remove any reporting of this account from my credit files.

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 2026-05-21 00:00:00
Product: Student loan — Private student loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EdFinancial Services
State: TX

Complaint narrative:
Not really sure who this is or what company or anything I didnt receive paperwork I didnt apply for any student loans

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: KEYCORP
State: PA

Complaint narrative:
Key Bank is willfully violating Pennsylvania law regarding estates. Under PA law, XXXX XXXX XXXX ( b ) states that upon presentation of a paid funeral bill by next of kin, any financial institution who the decedent has deposits under $ XXXX XXXX pay those funds to said next of kin. I presented the bill from my father 's cremation ( which is all the law requires ) as well as an official death certificate on XX/XX/XXXX. Key Bank 's corporate office is preventing the branch from disbursing my late father 's funds to me as required by law, insisting that his account must go through probate. Below is a timeline of my communications with the bank. -Presented funeral bill and death certificate on XXXX, XX/XX/XXXX, the teller was familiar with the law and said he just needed to send the documents to be approved, and that the funds would be released sometime in the next XXXX hours. -No communication by bank by the afternoon of Mon XX/XX/XXXX, so I called to check in, they said their system showed it was all good to go and I could come in to collect the funds. Upon arrival when actually trying to process the account closure and withdrawal of funds, the teller was unable complete the transaction, even with the branch XXXX 's credentials they were not able to proceed with the transaction after much trial and error. They stated they would contact corporate and call me when it was resolved. -Yesterday, Wed XX/XX/XXXX, the branch called me and informed me that Key Bank corporate is refusing to release my father 's funds to me as they state the account must go through probate first despite PA law compelling them to release those funds to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: NY

Complaint narrative:
I am submitting a complaint regarding incomplete and inconsistent federal student loan servicing records associated with my account serviced by Edfinancial Services. I requested historical account documentation, including disclosure history, servicing history, interest accrual history, capitalization history, and clarification regarding unexplained account records and date inconsistencies. Edfinancial Services responded that they do not provide disclosure histories and instead directed me to XXXX. However, this did not resolve my request for historical servicing documentation or account reconstruction. I also received correspondence attempting to explain account records containing an invalid date format ( XX/XX/year> ) associated with accrued interest. The explanation provided did not clarify the actual accrual period, source system, historical timeline, or accuracy of the account data. I am concerned about the completeness, accuracy, and transparency of my federal student loan records and servicing history. I requested : Complete servicing history Historical disclosure documentation Interest accrual history Capitalization history Prior servicer identification Clarification regarding invalid or incomplete account date information The requested information has not been fully provided. I am requesting a formal review of my account records and assistance obtaining complete and accurate historical loan documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
I am filing this complaint regarding unauthorized beneficiary changes, address changes, and suspected concealment involving my mothers retirement and investment assets held through Merrill Lynch / Bank of America. Around XX/XX/year>, my half-sister, XXXX XXXX XXXX allegedly made herself the 100 % beneficiary on my mothers stock and retirement-related accounts without proper authorization from my mother or the family. The amount involved was approximately {$70000.00} in my mothers retirement and stock assets. During the same XXXX through XX/XX/year> timeframe, XXXX XXXX also redirected my mothers mail to her own residence, including financial correspondence related to these accounts. This occurred even after my brother, XXXX XXXX XXXX, had obtained power of attorney over my mother. Neither my brother nor I authorized XXXX XXXX to take control of these accounts, redirect mail, or handle my mothers financial affairs. My brother had legal authority regarding my mothers affairs, yet important financial communications and account activity were still diverted away from the proper parties. I believe the mail diversion was used to conceal beneficiary changes, account activity, and related financial transactions from family members legally involved in my mothers care and estate matters. I have identified concerns involving address changes, switches between paper and electronic delivery preferences, and inconsistencies regarding account records and mailing information during the same period these transactions occurred. My brother and I repeatedly attempted to obtain records and clarification regarding how the beneficiary changes were processed, including whether they were completed electronically or through paper documentation, but I have not received adequate transparency or supporting documentation. I am requesting a full investigation into : How the beneficiary changes were submitted and approved All address changes and account maintenance history Any electronic logs, IP logs, XXXX records, authentication records, or signature records Copies of all beneficiary forms and related communications Whether proper verification procedures were followed before allowing control of these assets to change Whether red flags involving mail redirection, address changes, or account access changes were reviewed by the company I believe significant red flags should have triggered additional review before these assets were transferred or distributed. I am seeking accountability, full disclosure of records, and recovery options related to these disputed transactions.

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 2026-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Midland Credit management keeps sending me notifications about a debt I dont owe, I dont even know the furniture store they talking about. I asked for the original contract. They never provided me any information. But wants me to pay {$2900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: IN

Complaint narrative:
My husband and I have repeatedly experienced problems with BMO placing extended holds on deposited checks after branch employees assured us the funds would be available the next business day. Most recently, we deposited an insurance check for approximately {$4000.00}. Before making the deposit, we specifically confirmed with the teller that the funds would be available the following day. We were told they would be. Hours later, we received an email stating the funds would instead be held for 7 days. This has happened to us multiple times with larger check deposits. In a previous situation, we were also told funds would be available quickly, only to later discover a lengthy hold had been placed on the deposit. We ended up waiting weeks for access to the funds. I understand banks XXXX legally place holds on checks. My complaint is about the repeated lack of transparency and inconsistent communication. Customers should not be told funds will be available by a certain date if there is a significant possibility the bank will later impose an extended hold. Another issue is the inability to directly contact the local branch for clarification. Calls are routed through XXXX customer service, making it difficult to resolve branch-specific concerns. Overall, this pattern has caused significant stress and inconvenience. I believe BMO should provide clearer and more accurate communication regarding check hold policies and fund availability before accepting deposits.

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 2026-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: IL

Complaint narrative:
I booked a 2-night hotel stay on XX/XX/year> through XXXX at XXXX XXXX XXXX XXXX for {$410.00}. At the time of booking, my search filters were set for XXXX XXXX XXXX. I did not realize the reservation was processed for dates approximately one month later than intended.I arrived at XXXX XXXX on XX/XX/year> to check in. At that time, the front desk agent informed me that the reservation was for a future date and that no rooms were available for that night. The front desk agent canceled the reservation. I did not check in, occupy a room, or receive any hotel services.Immediately after this, I contacted XXXX on XX/XX/year> to request either a refund or travel credit to rebook for the correct dates. XXXX refused both requests, despite the reservation being canceled and no services being provided.I then filed a dispute with my bank. The dispute was denied on the basis that services were rendered according to the merchants response. This determination is inconsistent with the facts. At the time of the banks decision, the disputed reservation dates had not yet occurred. Additionally, the reservation had already been canceled at the hotel, and no lodging or hotel services were provided to me at any point.I am requesting a review of the investigation and denial decision, including verification of the merchants claim that services were rendered, given that the reservation was canceled and no stay occurred. I am also requesting review of whether the merchants response was accurately assessed before the denial was issued.Supporting documentation is available, including the booking confirmation, cancellation at the hotel, and records of my immediate attempt to resolve the issue with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2026-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: WI

Complaint narrative:
On today XX/XX/year> I received an email stating that my account was going to be closed on XX/XX/year>. I still have open disputes for services and merchandise I either didnt receive or authorize so with my account closing I will have no further knowledge of my lost funds in the disputes. I contacted Chime to get any information on the closure and was just told recent activity resulted in violation of their terms but my last transaction was for XXXX cents yesterday so XXXX confused where I violated and how or when. Only thing I was told was to read the policy and thats it no further information was given even after almost an hour of phone calls.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kikoff Inc.
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 two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, I'm 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 2026-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CNG FINANCIAL CORPORATION
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 two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, I'm 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 2026-05-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX, I was quoted a six-month paid-in-full auto insurance premium of {$1200.00} through Prime Time Insurance for a Progressive XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I agreed to the paid-in-full pricing and intended to pay the policy in full. My records show that I paid a total of {$1600.00} within the first XXXX months of the policy, exceeding the quoted paid-in-full premium by {$300.00}. Despite this, additional charges continued to be processed and a balance of {$450.00} was ultimately sent to collections through Credit Collection Services. This collection account is now being reported on my credit. At no point did I authorize or agree to an installment payment plan. I formally disputed the debt with the collection agency and provided supporting documentation, including : * Original insurance quote showing the {$1200.00} paid-in-full premium * Payment records showing total payments of {$1600.00} * Collection notice * Formal written dispute letter I am requesting : * Full reconciliation of the account and explanation of all charges * Immediate withdrawal of the account from collections * Removal/correction of inaccurate credit reporting * Confirmation that the account has been corrected This matter involves a clear discrepancy between the agreed paid-in-full premium and the total amount collected and reported.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I made a ebay account & a few days later I was booted off & it stated that I owe $ & or fee 's & the card on file will be charged. XXXX, XXXX, XXXX. XXXX XXXX. 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 explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CLGF Holdco 1, LLC
State: OH

Complaint narrative:
In XX/XX/2026, I disputed a debt that XXXX XXXX XXXX claimed to own and requested full validation, including the contract, complete accounting, and the chain of title. I sent a written dispute and validation request on XX/XX/2026. XXXX responded on XX/XX/2026 but did not provide the required documentation. They did not provide a contract, a signed agreement, a complete accounting, or any assignment showing the debt was transferred to them. The only XXXX XXXX XXXX they provided was from XXXX XXXX to Concora Credit, which does not identify my account and references an electronic file that was not included. I sent a second written dispute on XX/XX/2026 explaining that the account remained in dispute and that validation was still incomplete. Despite the dispute being active and validation not being provided, XXXX filed a lawsuit against me on XX/XX/2026. Filing a lawsuit while a debt is in dispute and without providing validation violates FDCPA XXXX ( b ). Filing a lawsuit without proof of ownership or a complete chain of title is also a false representation under XXXX ( XXXX ) ( A ) and an unfair practice under XXXX. XXXX is attempting to collect a debt they can not prove they own, and they initiated legal action without providing the documentation required by law. I am requesting CFPB review and intervention.

Company response to consumer: Closed with explanation