vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XX/XX/XXXX I opened up a Credit card with Wells Fargo credit card ending in XXXX. I did a transfer from another high-interest credit card over to the 0 % interest on the Wells Fargo card to my maximum {$5000.00} credit limit. Over the past 16 months i paid the credit card down to a zero balance as of XX/XX/XXXX. I was never late and paid more then the minimum due each month. On XX/XX/XXXX I called them directly to ask for a credit line increase on the card. They never told me that a hard pull on my credit report would be done. They went ahead and pulled credit report from XXXX  and also imputed other info that the service representative asked. I believe they made an error in this process. The reason is in the denial letter that stated 4 reasons and all are incorrect and not factual. XXXX. Recent derogatory records - This is false as I have no derogatory records on my XXXX  report and in fact have a XXXX FICO score. XXXX. Excessive unsecured debt - This is also false as my unsecured debt is less than 1 % of my credit profile and is considered normal at my Income level. Excessive obligations in relationship to income - This is also false as my NET income for XXXX on my annual tax return was {$280000.00} which is income to debt ratio less than 1 %. XXXX. Recent installment loan - This was a construction loan to remodel my kitchen at 0 % interest for 24 months. I own a home with zero mortgage-paid in full, valued at {$600000.00}, FICO Score of XXXX, income to debt ration of less than 1 % and never late and paid off in full the Wells Fargo credit card. I was asking for a {$10000.00} increase on the card because it was low based on my other cards. There is no reason financially for a denial and this creditor is acting unfairly and may be because I am XXXX decent.

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 2025-12-15 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
The response did not include proof or documentation showing the attempts dint go against policy or the federal acts in regards to calling, they also didnt show proof or provide resolution to the harassment and threats made. Also, there is no proof provided with their protocol or how they havent went against federal law which outweighs their standards. They should also provide proof to me of their call logs to reflect how they didnt go against federal laws as I have shown they have called and left voicemails more than 7 times in some days. Also I had a lot of unknown calls where they wouldnt identify themselves. Never got letters saying contact will be made, asked to not call when I answered and theyd call unknown so I couldnt recognize or seethe numbers. Was threatened legal action, please send me proof you never did that. Also never gave consent to be called or called as many times a day as I was. I get calls every single day multiple times in a day. Its affecting my work and also interfering with other missed calls and appointments I conduct using my phone. Federal ( FDCPA ) & Florida ( FCCPA ) debt collection call laws Prohibited Hours : Can not call before XXXX XXXX or after XXXX XXXX. in your time zone without permission. Harassment : Can not use abusive language, make repeated/annoying calls, or threaten violence. Deceptive Practices : Can not lie about being an attorney, the amount owed, or that you committed a crime. Inconvenient Places : Can not call you at work if you've asked them not to. Right to Stop Contact : You can send a written request for them to stop contacting you ( except to inform you of further action ). Communication : Must provide a " mini-Miranda '' ( disclose they are a debt collector and information will be used for that purpose ) in all communications. Written Notice : Must send a written validation notice within 5 days of initial contact. Florida Specific : Florida 's law ( FCCPA ) expands on federal protections and allows you to sue for damages. Recent Florida law ( 2025 ) clarifies emails are not included in the XXXX XXXXXXXX XXXX quiet hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These inquiries appear to be unauthorized and may indicate fraudulent activity, as I was not aware of them. Kindly take prompt steps to correct this issue. Supporting documents are attached for reference.

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 2025-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Chase {$250.00} cash back offer was applied on XX/XX/XXXX towards a $ XXXX purchase for Shops at Chase XXXX promotion. Purchase of {$580.00} was made XXXX days later on XX/XX/XXXX. I have received none of the {$250.00} cash back to date. I inquired on XXXX to Chase costumer service and a case was opened. I called back today on XX/XX/XXXX and the representative stated that no case was opened and that a new case would be open today. This could take XXXX business days. I am worried the promotional period will end and there will be no history of it happening. 

I have screenshots of when I accepted and applied the offer to my credit card, when the purchase was made, and the XXXX phone calls I made to Chase regarding above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HANCOCK WHITNEY BANK
State: LA

Complaint narrative:
I have submitted the following complaints:XXXX XXXX XXXX ; XX/XX/XXXX # XXXX ; XX/XX/XXXX # XXXX all were submitted to you and in turn you sent to Handcock Whitney Bank and they refused any negligence. I am here to tell you they lied to both of us. In recap we were scammed out of $ XXXXthat we with drew in cash and deposited in Bitcoin with receipts and faxes from US Treasury that an account in my wife 's name was set up with the US Treasury Account. This was a scam and it started with a call from XXXX XXXX from the Handcock Whitney XXXX, XXXX Fraud Dept. They lied to both of us by telling me that their Online Banking had not changed and that they had to give us the money. Well, I started getting Emails from them on XX/XX/XXXX on Tips on common phone questions from scammers about Bank staff impersonating. 
The next email from them on XX/XX/XXXX saying that our new mobile app is now available to download. We never received any warning prior to these coming and when we tried to log in to our account in XXXX, XXXX we could not get in because it was down. We asked if they were making adjustments and they told us No. On XX/XX/XXXX the NEW MOBILE APP is ready to download. Lie # 1 we were never told about 2 Alerts on our accounts about suspicious withdrawals. Lie # 2. We need some help as our entire savings was lost. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I request that this incorrect late payment be removed and the account updated to reflect an accurate, positive payment 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 non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am submitting this complaint to formally dispute inaccurate, incomplete, and unverifiable information that Experian is reporting on my consumer credit file. Despite my right to accurate reporting under the Fair Credit Reporting Act ( FCRA ), the following items continue to appear without proper verification. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within four ( 4 ) business days of receipt. The disputed information involves a personal credit card account.

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items.

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ). Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ). Harassment under 15 USC 1692d ( Section 806 ). Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.
S. Code 1681b.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: AR

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS 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 2025-12-15 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: MORGAN STANLEY & CO. LLC
State: MD

Complaint narrative:
I submitted a mobile deposit for my payroll check on XX/XX/XXXX in the amount of XXXX to Morgan Stanley Etrade. They held check and subsequently they requested documentation for verification of check. I submitted the paystub and check multiple times since then. The froze all of my accounts. I asked to speak with someone and escalate to management. The customer service representatives wont allow me to speak to management or the account activations departments. 

Every time, which is now daily I call the customer service representatives will just breath on the phone ( become mute after they verify my personal information ) they wont speak to me or tell me why its taking over a month to release my account and its funds. 

My account and remaining funds ( XXXX ) has been frozen for over a month. I cant get any resolution or my money back. 

I submitted the requested documents on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX of XXXX. The bank wont verify receipt or speak to me. They literally will breath on the phone after verifying all my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
We have a VA mortgage serviced by Freedom Mortgage. 
In XX/XX/XXXX, following hardship related to a natural disaster, we were placed into an approved forbearance. At the time forbearance was granted, we were told repayment options would be discussed later and were instructed to contact the servicer after forbearance ended in XXXX. 
Freedom Mortgages own credit reporting reflects that our account was in forbearance and payments were deferred from XX/XX/XXXX through XX/XX/XXXX. 
After forbearance ended in XX/XX/XXXX, Freedom Mortgage did not finalize or clearly present repayment options. We found out what our two options were in XXXX and had to make a decision shortly after or we would lose those options and risk possible foreclosure. Freedom Mortgage retroactively reported the account as 90 days past due ( XX/XX/XXXX ) and 120 days past due ( XX/XX/XXXX ) even though repayment would not start till XX/XX/XXXX. 
This delinquency reporting was inaccurate and improper. Payments were deferred during forbearance, and borrowers should not be reported delinquent due to servicer delays in finalizing post-forbearance repayment options. 
As a direct result of this delinquency reporting, we were denied refinancing and affordable credit. To avoid foreclosure and collections, we were forced to obtain a high-interest personal loan to cover the full cost, resulting in an unaffordable monthly payment of approximately {$1100.00} and ongoing financial hardship. 
When we contacted Freedom Mortgage regarding repayment, we were told our only options were either an immediate lump-sum payment or a short-term 12 month repayment plan with a significantly increased monthly payment. We were not offered or evaluated for standard VA loss-mitigation options, including a VA payment deferral that would move missed payments to the end of the loan, nor were we evaluated for a loan modification. 
Freedom Mortgage later claimed we were locked out of other options based on a verbal phone conversation as once they approved us for one repayment plan, the others were no longer an option. We were never provided a complete written list of VA loss-mitigation options, never given full written terms to review, and never made an informed written election, only the two options they offered us. 
After disputing the delinquent credit reporting with XXXX in XX/XX/XXXX, Freedom Mortgage removed the delinquency and now reports no data for the affected months. While this correction is appropriate, it does not undo the financial harm already caused by the inaccurate reporting, including denial of refinancing and forced high-interest borrowing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please delete these unauthorized accounts from my credit report, as I neither approved their creation nor was aware of them. Per USC 1681g, I request their removal within 15 days. Attached are supporting documents.

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 2025-12-15 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: NY

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that XXXX, XXXX, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within four ( 4 ) business days of receipt. The disputed information involves a personal credit card account.

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items. 

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: EQUIFAX, INC.
State: MS

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief