vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
" I am a 100 % XXXX XXXX  Veteran in the state of Oklahoma. I am filing this complaint against Wells Fargo for systemic predatory servicing and illegal manufactured duress that occurred prior to my loan 's transfer to XXXX. 

1. Illegal Escrow Inflation ( Tax Fraud ) Under Oklahoma Statutes XXXX, I am granted a 100 % Property Tax Exemption for my homestead. Wells Fargo was provided documentation of this, yet they ignored my legal status and continued to bill 'estimated ' taxes into my escrow account. This illegal billing created a manufactured 'shortage ' that did not exist. 

2. Predatory Insurance Racket Wells Fargo charged over $ XXXX for homeowner 's insurance, which is significantly above the average market rate for XXXX  XXXX XXXX I did not receive the required 45-day or 15-day RESPA notices before these inflated charges were force-placed on my account. This was a direct violation of federal servicing laws designed to protect veterans. 

3. Unauthorized Interest Rate Adjustment ( TILA Violation ) I have recently discovered that my Fixed-Rate VA Loan was unilaterally adjusted by the servicer to an unauthorized rate ( approximately 14 % ). Per 12 CFR 1026.20, a servicer must provide a mandatory 210-day notice before a rate adjustment. No such notice was ever provided. This unauthorized conversion of a fixed-rate note is fraudulent.

4. Predatory Duress & Medical Damages Using the foreclosure threats generated by these manufactured errors, Wells Fargo pressured me into signing a notarized loan modification that added 5 years to my mortgage. This duress directly precipitated a severe medical crisis, exacerbating my service-connected XXXX  and requiring immediate inpatient detox. These are documented 'Actual Damages ' under RESPA XXXX 

Requested Resolution : I am seeking a full investigation into these violations, which mirror the systemic failures cited in the XXXX  CFPB Consent Order ( XXXX ) against Wells Fargo. I demand a full rollback of the unauthorized interest rate, a refund of all improperly billed taxes and insurance, and compensation for the medical expenses caused by this servicer-induced health crisis. ''

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 2025-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: KS

Complaint narrative:
On XX/XX/XXXX, I purchased a {$500.00} digital gift card through XXXX. The gift card was accessed and converted to another brand within approximately XXXX minutes of purchase, before I ever received or interacted with it. 

I received no security alerts, no email change notifications, and no login warnings from XXXX. I did not click a gift card link or authorize any transfer. 

This incident followed a prior issue on XX/XX/XXXX, where a separate gift card was transferred to another account ( sent to my wifes email address ) without authorization and was not used. This purchases is being processed for reimbursement according to XXXX. Though they resolved the issue with the XXXX party company XXXX, it was still an unauthorized access issue, but they said that they were able to resolve that one. 

The XXXX incidents demonstrate a clear pattern of unauthorized access at the account or gift card delivery level, not an email inbox compromise. 

XXXX has refused reimbursement and redirected me to the third-party vendor, despite being the issuer and funder of the gift card. 

I am requesting reimbursement or reissuance of the {$500.00} that was diverted without authorization and without any security alert being issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
We applied for a loan modification, awhile ago. The loan was sold to Freedom Mortgage. We could not afford the existing mortgage so a modification was our only option. The modification came back with a higher interest rate, and a payment that was XXXX higher than before we applied for the modification. We spoke with Freedom and of course received many reasons for the increase. This is a VA loan so we were hoping they would help us. We were then told we could reapply for a modification, so thats what we did. It again came back as the same payment as well as a rate that is not a current lender rate. We have been back and forth with Freedom for almost a year while in the meantime our payoff amount keeps going up. We paid XXXX for the home XXXX  years ago and now owe XXXX. They also pushed out our mortgage to XXXX years which is not what we want if we dont need to. Please help! We want to stay in our home, but at XXXX a month its impossible. It use to be less expensive to own a home than rent! But not anymore! Freedom Mortgage has just pushed us around made promises that didnt fulfill and put you from one person to the next each telling you something different. The stress of this has taken its toll on my husband and I.

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 2025-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
So I have filed before about things with Chase o went to return a product a coffee machine and I only had so much time to return this product I was given a hard time to return this product so I had other issues I won a dispute with J.P. Morgan Chase prior to any of this happening to me when I did after the irregularity I filed with XXXX they all of a sudden after yrs of business and I paid XXXX of the account they then lower my credit limit then they didnt like the way I spoke so they closed the account I went to go file a dispute with Chase XXXX tell me that there is no account thats XXXX thing to say they closed my account XXXX said there is no account which I could not file this dispute that I am filing now cause Im real time as of XX/XX/XXXX I was suppose to have been returned my money to the origanl bank institution which is XXXX XXXX Chase now now I am giving this from XXXX XXXX number XXXX that not only chase was the bank institution then where is the money the reason we are having this issue is XXXX XXXX connected to Chase on XXXX card it was a chase XXXX XXXX then there was an issue of it being hacked rather it was or not which now I still never received my money XXXX XXXX investigating this issue but I said this all along I filed this before they cant find none of my purchases tvs ice machine anything that I purchased with chase so Im left with a lot of questions then answers even more so as you can see how may i filed disputes this is not a resubmitted dispute this is all new there is an issue here that I cant not explain I had a nervous break down over this when I asked XXXX before and said Chase XXXX owes me XXXX dollars how can it be theres no account and that I couldnt file a dispute cause there is no account now if theres is no account then how can it be that I returned an item and it had been returned to the original bank institution which is Chase so someone did something wrong here someone lied someone took it personal almost and if you gather everything. In its full context you will see that this is something. That was not fair and probably unlawful

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: IL

Complaint narrative:
Contrary to federal law Title 15, the three credit reporting agencies allowed fraudulent information on my credit reports.

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 2025-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I noticed hard inquiries on my credit report I don't recognize. I ask the credit bearus to provide proof I applied to these companies. These bearus failed to provide the formation requested.

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 2025-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I noticed hard inquiries on my credit report I don't recognize. I ask the credit bearus to provide proof I applied to these companies. These bearus failed to provide the formation requested.

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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint regarding inaccurate and unauthorized credit inquiries reported on my Experian credit file. My report reflects two hard inquiries from XXXX XXXX, both dated XX/XX/year>, which do not accurately reflect my credit activity. I did not authorize multiple inquiries, nor did I submit more than one application that would justify duplicate hard pulls. The reporting of identical inquiries on the same date indicates an error and violates my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, FCRA Section 611 grants me the right to dispute inaccurate or unverifiable information, and these inquiries have not been properly validated. Additionally, FCRA Section 604 ( a ) requires a permissible purpose for each hard inquiry, which has not been demonstrated for both entries. The continued reporting of these inquiries also raises concerns under FCRA Section 605, which governs reporting limits and the removal of outdated or improperly maintained information. These errors have caused unnecessary damage to my credit profile, misrepresent my financial behavior, and reflect a failure to ensure accuracy and compliance with federal consumer protection laws.

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 2025-12-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Property Receivables, Corp
State: CO

Complaint narrative:
I am submitting this complaint regarding unfair and deceptive debt collection practices and a potential violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) involving a residential property management company and a third-party collections agency. 

Background : XX/XX/XXXX, I applied for an apartment with XXXX apartments and paid a holding fee of approximately {$250.00}. I was assigned a different unit that I did not apply for after being told the apartment I applied for was ADA accessible. The apartment they moved me to does not work do to their being no grass nearby for ny dog to use the bathroom. They did tell me I could use the ADA accessible apartment but we're tall so the low countertops would be a problem. This entire dispute was done less than 24 hours of me applying on XX/XX/XXXX. I did not take possession of the unit and did not move into the property. I formally disputed the holding fee in person and was told I would receive a call from a manager and I never did. I disputed the transaction with my back on the XXXX of XXXX and e-mailed them on the XXXX. XXXX XX/XX/XXXX I received an e-mail from them.I called and was yelled at by the leasing consultant who transferred me to her manager. The manager said she would call me back and never did. I also sent them an e-mail confirming wheat we discussed on XX/XX/XXXX and they never responded. Since I never heard back I assumed it was resolved however yesterday XX/XX/XXXX I received an invoice from a collection agency.

Improper Collection Activity Despite the active dispute, and less than 30 days after my written dispute was submitted, the property management company referred the alleged debt to a third-party collections agency. I did not receive a written response addressing my dispute, nor was I provided proper notice that the account would be placed into collections while under dispute.

Fair Credit Reporting Act Concerns : I believe this conduct constitutes a violation of the Fair Credit Reporting Act, including but not limited to the furnishing of disputed and unverified information to a third party and the failure to conduct a reasonable investigation prior to collection activity or credit reporting.

Harm to Consumer : Although the amount in question is relatively small, the impact is substantial. The existence of a collections account threatens my ability to secure housing, causes financial and reputational harm, and has resulted in significant emotional distress.

Failure to Resolve : I made multiple good-faith attempts to resolve this matter directly with the property management company, including escalation to ownership or senior management. These attempts went unanswered, and no effort was made to resolve the dispute prior to sending the account to collections. I am prepared to provide supporting documentation, including my written dispute, collection notices, and related correspondence, upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Dispute of Duplicate Reporting / Cease and Desist Demand Acc : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am formally disputing both LVNV Funding accounts listed on my credit report. These accounts represent the same underlying obligation and are being reported and pursued as separate debts, which constitutes duplicate reporting and an unlawful attempt to collect the same debt more than once.

This conduct violates the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) and 1681s-2 ( b ) ), which requires accurate and non-misleading reporting, and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e and 1692f ), which prohibits false representation of a debts amount or legal status and unfair collection practices.

Pursuant to 15 U.S.C. 1692c ( c ), you are hereby directed to cease and desist from all collection efforts and all communication with me immediately, except as permitted by law. Because these accounts are inaccurately and unlawfully reported, I demand that both LVNV Funding accounts be permanently removed from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
On Fri, XX/XX/XXXX, XXXX I received a notice from my credit monitoring that a credit card limit had been decreased. Barclays lowered my limit to impact my credit rate to a 97 % utilization rate when it had previously been under 25 %. I contact them severals days later to understand why this had happened without any notice and this act only made my overall credit utilization go to 95 % accross my total rotating credit. This action, credit increased interest rates with my other providers and I believe that they own my commodiety card, which has funds on the limit the last I checked, but that card has been placed on some kind of restricted status without my awareness. I only know that the card I have is declined every time I attempt to use it. The site shows pending a new card, this status has been present for about 2 months.

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 2025-12-21 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FMA Alliance, Ltd.
State: NH

Complaint narrative:
On XX/XX/XXXX I received a collection notice from FMA Alliance regarding a vehicle that was repossessed in XXXX of this year stating that I had until XX/XX/XXXX to reply or negative information would be placed on my credit report. On XX/XX/XXXX I sent them a cease and desist letter via certified mail informing them that I have an attorney representing me regarding this matter and informing them that any further communication would go through them as they are attempting to negotiate settlement of the debt. I also requested the name and address of the original creditor and a copy of the documentation showing that they now own and have a legal right to collect this debt. The letter was received by FMA Alliance on XX/XX/XXXX. 

On XX/XX/XXXX, I received a second demand letter for this account which violates the cease and desist order that was sent to them. Further, they did not send me the any of the previously requested documentation and have reported this account to my credit bureaus and said that I now have until XX/XX/XXXX to dispute the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have submitted disputes with the credit report companies for the items that I do not recognize on the reports. 
There are multiple accounts that I do not recognize and that I did not authorize that I believe are fraudulent.

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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WLCC
State: TX

Complaint narrative:
Today, I discovered that an account was reported to XXXX using my personal information without my authorization. I did not apply for a loan, did not contact the company, and have never had any relationship with them. This appears to be the result of identity theft or fraud. 

The account was reported on XX/XX/year>. The reporting company listed the following address : XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX, which is not my address, and I have never lived there. WLCC Lending dba JustLoans XXXX XXXX XXXX XXXX, XXXX, SD XXXX Phone : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX This fraudulent account has appeared on my credit report and is negatively affecting my credit profile. I am requesting that it be investigated and permanently removed from XXXX and all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
XX/XX/year> : I received 3 emails, XXXX from XXXX  and 1 from PayPal. 
1 : XXXX : XXXX  Limitation Notice. 
The email stated that they placed a permanent limitation on my account and asked me to " We ask that you please remove any and all references to XXXX  from your website and social media accounts. '' 2. [ XXXX ] Your account has been suspended. 
The email stated that XXXX  detected unusual activity on my account that might be in violation of their user agreement, and that the account is suspended until I verify my ID. 
3. Important : Account has been permanently deactivated ( PayPal ) This email said " it appears that there was activity on this account that we can not process. '' and " Your account has been permanently deactivated. '' XX/XX/year> : I responded to the XXXX  email ( 1 ) saying that I do not have any references to my XXXX  account on any sites or social media and that I do not think I have done anything in violation of the terms of service. 
XXXX  responded and said that they " detected some activity on your account that appears to be in violation of our User Agreement. '' and " Because safety is our priority, your XXXX  account has been frozen and our service will no longer be available to you. '' XX/XX/year> : I responded to XXXX  saying " Please tell me exactly what activity seems to be in violation of the user agreement. I only use XXXX  to send money to friends and people I know. '' XX/XX/year> : XXXX  responded with a refusal to tell me what activity triggered this. " We have systems in place that monitor activity on XXXX, but please note that we don't reveal information about our internal systems in order to keep these systems robust. '' I also called PayPal and spoke with a representative who told me the same thing and that there is no way to reverse my account deactivation. I requested escalation to a supervisor, who told me the same thing. I asked to be escalated again, and the supervisor said there was nobody else to escalate to, and that the deactivation is permanent. When I asked again they hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This account has been settled, but it inaccurately still shows delinquency history.

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 2025-12-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
Porfiliion recovery is reporting a collection on my account that does not belong to me. I called them multiple times and request them to delete the debt because it does not belong to me. But they keep saying its my debit. Which is wrong. I need this removed from my credit report because its preventing me from refinancing my car and preventing me from good credit.

Company response to consumer: Closed with non-monetary relief