vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
W ells Fargo Bank Dispute. Attention Equity Line of Credit Department : I am writing to formally request an immediate review and correction of discrepancies related to my Business Line of Credit account referenced above. Upon reviewing my loan and mortgage records, I identified material inconsistencies concerning both the interest rate margin and the loan term reflected in your records. Interest Rate Margin Discrepancy My original executed loan agreement specifies that the applicable interest rate is calculated at Prime Rate minus 0.75 % ( Prime 0.75 % ). However, my recent account records and billing statements appear to reflect a rate calculated at Prime Rate plus 0.75 % ( Prime + 0.75 % ). This discrepancy materially alters the financial terms of the agreement and has likely resulted in excess interest charges being assessed to my account. I respectfully request the following : Immediate correction of the account to reflect the contractually agreed-upon rate of Prime 0.75 % ; A complete audit of all interest calculations applied to the account ; and Reimbursement or credit for any overpayments resulting from the incorrect interest rate application. Unauthorized Change to Loan Term/ Maturity Date The original mortgage and loan documents executed in XXXX established a XXXX term with a maturity date extending to XXXX. I have recently discovered that the account records now reflect a XXXX term instead. I did not authorize, consent to, or receive notice of any amendment or modification reducing the original term period. The original XXXX repayment structure was a material factor in my acceptance of this loan obligation and in my long-term business financial planning. I am not financially able to repay the loan on an accelerated XXXX schedule, and any unilateral reduction of the loan term creates a significant and unintended financial hardship for my business. At no time did I authorize, request, or consent to any modification shortening the repayment period. Accordingly, I request that the account records be corrected immediately to reinstate the original XXXX maturity schedule and corresponding maturity date of XXXX, consistent with the executed loan documents. Please provide a written response addressing these matters within 10 business days of receipt of this letter. If additional documentation is required, including copies of the original executed agreements, I will provide them promptly upon request. I appreciate your immediate attention to this matter and expect a timely resolution. Please confirm receipt of this correspondence and advise regarding the steps being taken to investigate and correct these discrepancies. Thank you

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 2026-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDITOR NAMEPORTFOLIO RC 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 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Harris & Harris, Ltd.
State: FL

Complaint narrative:
Harris & harris is calling me often I don't khow where this people are coming from is this dont stop because I am on XXXX I will sued them in court and they will.end up.paying me

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 2026-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
MIDLAND XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND XXXX 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 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One is currently being investigated for unlawful practices regarding my credit file. They are currently being investigated & sued for {$2.00} XXXX being charged to consumers for interest rates. In XX/XX/XXXX, a federal judge approved a {$420.00} XXXX class-action lawsuit settlement against Capital One regarding deceptive interest rates on its savings accounts. The lawsuit alleged that the bank steered customers into older XXXX XXXX accounts with lower interest rates while offering significantly better rates to newer customers. In addition, the Capital One data breach class action settlementwhich involved a {$190.00} XXXX fund resolving claims from a XXXX cyberattack that exposed the data of roughly 98 million consumers. I have been affected by both & request to have my closed account removed from all three credit bureaus to include, XXXX, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: IL

Complaint narrative:
IC SYSTEM INC is falsely reporting on my credit. I have never had any accounts with them. Per my research IC SYSTEM INC 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 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2026-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/year>, I deposited {$4900.00} cash into a Chase ATM. The ATM accepted the cash and provided me with a receipt confirming the transaction, but the funds were never credited to my account. I contacted Chase Bank and filed a claim regarding the missing cash deposit. I was informed that temporary credit would be provided within two business days while the investigation was being completed. However, more than two business days have passed, and Chase is now telling me I may not receive temporary credit until before XX/XX/year>. Because Chase has not credited my deposit or provided temporary funds, my account has become negative and Chase has charged me overdraft fees. I am also facing late fees on bills and financial hardship because I do not have access to my money. I requested to speak with a supervisor, but the representative stated that no supervisor was available and could not provide further assistance. I am requesting : 1. Immediate credit of my missing {$4900.00} deposit or immediate temporary credit during the investigation. 2. Reversal of all overdraft fees and related charges caused by this issue. 3. Reimbursement for late fees and financial hardship caused by the delay. 4. Additional compensation for the inconvenience, stress, and hardship caused by Chases handling of this matter. I have attached a copy of the ATM receipt related to this deposit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2026-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I am filing a complaint against Bank of America regarding severe mishandling of a dispute claim, improper reversal of credited funds, and failure to correct banking errors despite repeated assurances that the issue would be resolved immediately. Bank of America initially sent me written correspondence stating that my claim had been resolved and that a permanent credit had been applied to my account. I relied on that determination and understood the matter to be closed. However, Bank of America later reversed funds from my account on XX/XX/year>, causing my account to become substantially negative. What makes this situation even more concerning is that Bank of America sent conflicting and confusing notices regarding the status of the claim and the nature of the credits. One notice stated the claim had been resolved and that a permanent credit had been issued, while another later referenced a delayed debit of a temporary credit. These contradictory communications created confusion and demonstrate serious mishandling of the claim process. After the reversal occurred, I contacted Bank of America repeatedly over several days. Representatives consistently told me on recorded phone calls that the matter would be corrected within two business days and that their back office or claims department was handling it. I was specifically told the issue would be fixed by Friday. Despite these assurances, nothing was corrected, and my account remains negative. I have called daily attempting to resolve this issue, but customers are not permitted to directly speak with the back office department that is supposedly handling the matter. Frontline representatives continue to tell me they can not transfer me, can not provide updates, and can not directly resolve the issue. I have effectively been trapped in an endless loop with no meaningful assistance while my account remains overdrawn because of Bank of Americas error. This situation has caused serious financial hardship and disruption to my daily life. Because of the banks actions and failure to timely correct the error, I have been unable to properly pay my bills, access funds needed for normal living expenses, leave my house comfortably, or reliably go to work. The ongoing negative balance caused by Bank of Americas mishandling has created substantial stress, instability, and financial harm. I believe Bank of America acted negligently in : Mishandling and reversing dispute-related credits ; Sending conflicting notices regarding the status of the claim ; Failing to timely correct acknowledged banking errors ; Providing repeated assurances that the matter would be fixed without actually resolving it ; Preventing meaningful communication with the department responsible for correcting the issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IL

Complaint narrative:
JEFFERSON CAPITAL XX/XX/XXXXis falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL XX/XX/XXXXis 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 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I am writing to formally report an ongoing Fair Debt Collection Practices Act ( FDCPA ) violation by Portofolio Recovery Associates. In XXXX I sent a certified dispute letter to this company. It included an official letter from Dentist of XXXX XXXX ( the original creditor ) dated XXXX XXXX confirming I do not owe the office anything and will not sent to collections. The balance is going to be adjusted off. Despite my formal dispute and clear demand to cease all communication, Portfolio Recovery Associates continues to call me repeatedly, even on Sundays. Furthermore, they sent me a letter requesting my personal information ( full name, last XXXX of my SSN, full address ). This is a bad-faith tactic. My full name and correct address were clearly printed at the top of their letter and my precious correspondence, proving they already have my information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Mistaken identity Pro collect Which says I owe {$5300.00}. Acct # XXXX Which they has not provided any ID OR Valid signature which is a third party Collection agency

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 2026-05-25 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
The following inquiries are unauthorized or inaccurate, and I ask that you delete them : Inquiry from ComenitycapitalXXXX on XX/XX/year> I previously disputed this inquiry stating : " I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. '' I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the inquiry for this account, or delete the negative information in this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a Texas consumer submitting this complaint regarding inaccurate, incomplete, and potentially unverifiable credit reporting associated with a collection account being reported by XXXX XXXX XXXX for the alleged original creditor XXXX XXXX TXXXXX The account is currently being reported with a balance of {$2300.00}, despite the original reported balance being {$2200.00}. I have not been provided sufficient documentation, itemization, or contractual authorization explaining the increase in the balance or validating the accuracy of the account being furnished to the credit reporting agencies. I formally disputed this account and requested documentation supporting the alleged debt, including : A complete itemized accounting of all charges Documentation authorizing any additional fees or balance increases A copy of any signed lease or agreement establishing liability Move-out statements, invoices, and damage assessments Verification of the date of first delinquency Proof of authority to collect and report the debt Verification that all information being furnished is accurate and complete Despite these requests, the account continues to be reported without sufficient verification being provided. Under the Fair Credit Reporting Act ( FCRA ), furnishers and consumer reporting agencies are required to conduct a reasonable investigation and may not continue reporting information that can not be properly verified. Additionally, under the Texas Debt Collection Act and the Fair Debt Collection Practices Act ( FDCPA ), debt collectors may not misrepresent the amount or character of a debt or attempt to collect amounts not authorized by agreement or law. At this time, XXXX XXXX XXXX has failed to provide sufficient documentation validating : the accuracy of the reported balance, the legitimacy of added charges, the completeness of the alleged debt, and the accuracy of the information being furnished to consumer reporting agencies. Because the account remains disputed and insufficiently verified, I am requesting that this collection account be permanently deleted from all consumer credit reports to which it has been furnished. I am requesting that the CFPB investigate this matter and require the company to : 1. Delete the collection account from all consumer reporting agencies due to failure to adequately verify the disputed information 2. Cease reporting any inaccurate, incomplete, or unverifiable information 3. Provide complete documentation supporting the alleged debt if the company intends to continue collection efforts 4. Ensure compliance with the FCRA, FDCPA, and applicable Texas consumer protection laws I request a formal review of this matter and all reporting associated with this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
XXXX I have been an American Express cardholder for XXXX years who has consistently made on-time minimum payments. Due to financial hardship, I previously enrolled in an American Express hardship program, which did not meaningfully reduce my financial burden or provide lasting relief. Upon completing or exiting that program, I contacted American Express again to request further assistance either re-enrollment in a hardship program or a temporary interest rate reduction. At the time of my request, I was already carrying a late payment on my account, with a minimum payment of {$1000.00} per month a direct result of a XXXX % APR on my balance. I contacted American Express specifically because I was in demonstrated, documented financial hardship and unable to sustain that payment. Despite this evidence of genuine need, and despite XXXX years as a loyal customer who previously engaged in good faith with their own hardship program, I was denied any relief or meaningful alternative. I believe denying hardship assistance to a long-term customer with a demonstrable inability to pay while continuing to charge XXXX % APR constitutes an unfair and predatory practice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-25 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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