vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-06 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: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I am filing this complaint because Chase Bank significantly reduced the credit limits on multiple Chase credit card accounts without warning, and this action has severely harmed my credit profile and interfered with an active business purchase. 

Over the past two years, Chase has reduced my limits twice. Most recently, they removed approximately * * $ XXXX in total available credit across three Chase accounts XXXX XXXX, which caused my credit score to drop by more than XXXX XXXX XXXX points XXXX XXXX ( from approximately XXXX XXXX XXXX XXXX XXXX to around XXXX XXXX XXXX XXXX XXXX ). This occurred XXXX XXXX without advance notice XXXX XXXX  and without any clear explanation from the bank. 

I am currently in the process of buying a business that also requires purchasing the associated real estate. This unexpected reduction and resulting score drop have created serious risk to that transaction and my financial plans. 

On XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I contacted Chase customer service for clarification. I was on hold for about an hour before being transferred to a representative who seemed uninterested in helping and stated that Chase would need to pull my credit again if I wanted any review. Given that Chases limit reductions already caused my score to drop significantly, requiring another credit inquiry which could further harm my score is unreasonable and unfair. 

Chase is the only creditor I have where this pattern continues to occur, despite a long history of responsible use. This is the XXXX XXXX second time XXXX XXXX they have done this in two years, and I never received any meaningful advance notice or proper explanation. I am also unsure whether an adverse action notice was issued, as required when actions are taken based on credit information. 

This situation is frustrating and has caused real financial harm. I believe Chases actions were unfair and not properly communicated, and I am requesting assistance. 

Requested Resolution : XXXX. A clear explanation of why the credit limits were reduced. 
XXXX. Confirmation of whether the decision was based on my credit report and, if so, proper adverse-action documentation. 
XXXX Review and reinstatement of my prior credit limits, if appropriate. 
XXXX. Correction of any unnecessary negative reporting that resulted from Chases decision. 

Thank you for reviewing my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Filled out for a lowes credit card at their XXXX store and provided ID. They were willing to let me make a purchase that night. I said I would wait for my card. Couldn't get online verification to work. XXXX from Fraud escalation was no help and would not transfer to upper management. Show where XXXX showed credit check. Contacted Lowes this am also for complaint against Synchrony.

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 2026-01-06 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: GA

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 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Servicer under contract with Federal Student Aid
State: FL

Complaint narrative:
I have made 6 voluntary monthly payments totaling {$35.00}, meeting the requirement for a 'Satisfactory Repayment Arrangement ' under 34 CFR 668.35.

My servicer is miscalculating a {$10.00} lump-sum payment made on XX/XX/year>, as only covering one month. Under federal guidelines, this overpayment should satisfy my XXXX obligation. Two previous agents confirmed my eligibility, but I am now being denied my Title IV Eligibility Letter. This clerical error is blocking my enrollment at XXXX XXXX XXXX for classes starting XX/XX/XXXX. I have been disconnected by supervisors multiple times today while trying to resolve this.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am filing a complaint regarding a lease-end billing dispute with Chase Auto XXXX XXXX XXXX XXXX XXXX XXXX 

I returned my leased vehicle on XX/XX/year> and returned both keys at turn-in. Chase assessed a missing key charge based on a pre-inspection that did not verify keys at final dealer intake. 

I opened a lease-end dispute with Chase on XX/XX/year> and attempted to resolve the issue through Chase Secure Messages and by speaking with XXXX XXXX XXXXXXXX XXXX Despite follow-ups, I have not received a response or resolution. 

I also attempted to obtain clarification from the dealership and escalated to XXXX XXXX corporate, but have not received a response. 

There is no dealer intake documentation confirming a key was missing at physical turn-in. I am requesting removal of the unsupported charge and a written response addressing the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/XXXX bought phone online for XXXX plus XXXX upgrade fee XXXX tax. 
Total charged to credit card is XXXX. 

On XX/XX/XXXX returned phone to XXXX store. Payed {$10.00} restocking fee. I have contacted XXXX and they replied on XX/XX/XXXX that XXXX was refunded to method of payment. 

I opened a dispute with credit card XX/XX/XXXX. Sent in text message from XXXX XXXX stating the refunded XXXX. 

Today XX/XX/XXXX got email that dispute was closed and that I'm responsible for the charge. 

This is not fair that I returned phone and still paying for it. I get that I may bot get full refund. But at least the amount of XXXX should be credited to my credit card as mentioned.

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 2026-01-06 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRUIST FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I am filing this complaint against Regional Acceptance Credit for excessive and harassing phone calls. Regional Acceptance Credit is fully aware based on my established payment history, that I consistently make my payment two days before their cutoff date. This has been my regular and documented practice.

Despite this, Regional Acceptance Credit has repeatedly called my phone excessively, including multiple calls within minutes of each other and repeated calls across multiple days. I have reached out to them several times to explain that these repeated calls are negatively affecting my employment.

I work in the healthcare industry, and I am required to keep my phone on and available at all times for work-related reasons. I have explicitly informed Regional Acceptance Credit that their repeated calls cause my phone to ring continuously, which is distracting, disruptive, and problematic in a healthcare setting. I also informed them that I have already been reprimanded by my employer due to the excessive ringing caused by their calls.

I clearly advised Regional Acceptance Credit that continued excessive phone contact could jeopardize my job and asked them to stop calling and please keep communication in writing only. Despite acknowledging this, the calls continued. I ultimately had to block their number, yet the attempted calls continued and are fully documented in my call logs.

Their continued conduct demonstrates a disregard for my requests, my employment obligations, and reasonable communication practices especially given that my account history paymentpattern. I believe this pattern of repeated calling constitutes harassment and an unfair practice.

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 2026-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: IL

Complaint narrative:
Someone hacked my bankcard with US Bank in XX/XX/year>. I received a fraud alert and immediately contacted them out of concern. They claimed there were multiple charges stemming from the weekend. I filed a police report, called them back to confirm what they saw because charges had not come through online for me to see. A representative advised she saw multiple charges being made in California then transferred me to their " fraud '' area. The man there says he saw the same charges and began questioning charges made near my home in IL, which I confirmed were made by me. I asked for paperwork to select and dispute, they insisted they would handle everything at their discrepancy. Someone from their customer service added a valid charge into the dispute, my case was closed, I was mailed letters to confirm and all of the disputes were not resolved. They denied a charge claiming that I'd made the purchase from my phone. When asked for proof, because it clearly showed CA and not IL, I never received anything. At this point I've been robbed twice. Whoever hacked my account and by US Bank!

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 2026-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I am submitting a complaint regarding the XXXX XXXX Credit Card XXXX XXXX XXXX XXXX issued by Comenity Bank. 
I was approved for this credit card with a credit limit of {$1800.00}. After the account was opened, I was informed that I had a significant amount of available credit and could begin using the card immediately. 
On the same day, I attempted to make a purchase, including a gift card, which triggered a fraud alert. I was contacted by the issuer and asked to provide verification information. I promptly provided all requested information to confirm my identity. 
After submitting the verification, I called customer service and was told by XXXX representative that everything was resolved and that my account was good to go. However, when I later spoke with another representative, I was told that the credit limit had been pulled or removed entirely. 
This decision was made after the account had already been approved and after I fully complied with fraud verification requirements. I was not given a clear or consistent explanation for why the credit limit was removed, and I received conflicting information from different customer service representatives. 
This situation caused confusion and inconvenience, as I relied on the approved credit limit and followed all instructions given by the issuer. I am requesting a clear written explanation for why the credit limit was removed, whether this action was taken in error, and whether the account can be reviewed for correction. 
I believe this handling of my account was unfair and lacked transparency, and I am requesting the CFPBs assistance in reviewing this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: KS

Complaint narrative:
My credit card was due on XX/XX/XXXX ( a Sunday ). I initiated payment via wire transfer on XX/XX/XXXX and the funds were sent on XX/XX/XXXX ( Monday ). The beneficiary bank requested additional information on XX/XX/XXXX ( I presume delayed more than usual due to the Christmas break ), which I provided same day. The payment was then allocated on XX/XX/XXXX once the information was provided. Subsequently I was charged a late payment fee, and interest on my account balance for the 9 days before the payment was allocated. I don't believe I should be liable for the interest or late fee, given payment was sent and availabe on time ( next business day given it was a Sunday ), and the delay was on the beneficiary bank 's side. I've raised and escalated the issue with Amex customer service on online chat as well as over the phone, to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Prince Parker & Associates
State: MI

Complaint narrative:
This account is being inaccurately reported twice after resale. Credit bureau failed to correct duplicate reporting in violation of FCRA 1681. 

XXXX XXXX XXXX Prince Parker and Assocaites

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 2026-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC
State: FL

Complaint narrative:
I requested to hear from someone as when the loan was sold ( from XXXX XXXX ) no one from the new company ( selene Finance ) had reached out and I had to call, email, and make a XXXX post tagging the company to get someone to get in touch with me. They finally did and had to take a few days to locate the loan. Once they got back to me they said I should be able to log in and create and account to make my payment, which I did. Now the very next month I log in and am unable to make a payment on the account or do anything other than see a documents tab and an education tab and when I click on the loan it just reloads the same page. When I call it says there is no account with my information. I would love for the mortgage to be sent to another company as this has been a nightmare since day 1 I emailed and called them XX/XX/XXXX at XXXXXXXX XXXX I emailed and called them XX/XX/XXXX XXXX I called and emailed them XX/XX/XXXX XXXX XXXX XXXX emailed XXXX XXXX XXXX XXXX XX/XX/XXXX at XXXX ) and I also called and that is when I was told by the auto answerer that there is no account WORST experience and all I am trying to do is pay my mortgage and keep my account up to date - I never had this issue of any kind with Fifth Third

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Harris & Harris, Ltd.
State: PA

Complaint narrative:
XXXX {$1000.00} reported to my credit as negative

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 2026-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST MERCHANTS CORPORATION
State: MI

Complaint narrative:
Still about the overdraft fee {$370.00} charged by the bank during XXXX and XXXX After the calling from the regional manager of the Bank and her recommendation, I went to meet the manager XXXX XXXX XXXX XXXX in XXXX XXXX XXXX told her my issues. Till now, I still didn't get her reply. Moreover, she told me her branch gives customer 24-hour grace period for the overdraft, why other branches no?

Also, the cut-off time is different from different people said XXXX XXXX XXXXXXXX told me its XXXX, but its XXXX from senior officer-compliance advisory ). 
It is so messy and inconsistent with their policy in this Bank. 
I want my money back total {$200.00} ( $ XXXX {$170.00} ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capio Partners, LLC
State: PA

Complaint narrative:
I went onto XXXX XXXX on XX/XX/year>. There was a collection on my report for {$1000.00}. I never received a letter or phone call, or any type of bill. I reached out to XXXX XXXX XXXXXXXX website and emailed them., I mailed a certified debt validation letter to XXXX XXXX XXXX I googled XXXX XXXX to see who they were. I read they were a 3rd party collection agency, but when I read it on XXXX XXXX it reads that XXXX is the original party. How can that be true if they are a 3rd party debt collector. I disputed this with XXXX XXXX XXXX on XX/XX/year>. I also filed a complaint with identity theft.gov on XX/XX/year>. I have paid all of my medical bills and I have receipts. This collection is not familiar to me at all, so it is spam or someone is using my name with my insurance. Please help. I am unsure of what else I can do. It just came out of the blue ; I had no idea this was happening.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have been complaining for months regarding a {$79.00} charge which was deemed fraud by the bank. I have had five bank cards sent to me because of the transaction that keeps on trying to hit my account. 
On XX/XX/XXXX I contacted the bank to let them know that they were trying to take out the monies again and was told that I had my device on me therefore the charge was authorized. 
Since XX/XX/XXXX I have not had a debit card, the company took funds out of a card I did not have on my person, as I previously sedated the bank deemed this transaction fraudulent and are now trying to make me pay.

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