vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. 

This is a formal complaint against WELLS FARGO CARD SERVICES a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. 

WELLS FARGO CARD SERVICES 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 non-monetary relief
Consumer complaint received 2025-09-22 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: FL

Complaint narrative:
XXXX XX/XX/year>, I contacted Chase Bank to request financial relief while I am on FMLA and disability leave. At that time, I was told I would be eligible in XXXX for a 12-month hardship plan that would allow me to keep my account open while receiving temporary assistance. 

When I called back in XX/XX/year>, I was informed that the only option available was a 72-month program that would permanently close my account. I do not want my account closed. I am only seeking the assistance I was originally told I would qualify for : a short-term plan that lowers my monthly minimum payment and/or reduces my APR while I recover from financial hardship.

I only need about 12 months of assistance, since my disability is expected to last approximately 6 months. By changing the terms and refusing to provide temporary relief without requiring account closure, Chase is not offering reasonable hardship assistance. As someone on disability and FMLA leave, this lack of support has placed me under financial strain. 

I respectfully request that the CFPB review Chases handling of hardship assistance and ensure I am offered a temporary program as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, I purchased a used XXXX XXXX XXXX from XXXX XXXX in XXXX XXXX XXXX. I put down {$3000.00} and financed the rest through Westlake Financial at a very high interest rate ( 27.89 % ). From the start, the dealership added unauthorized charges and made false promises about extra protections. 
Shortly after the purchase, I discovered the car was defective the hybrid battery had failed, it had oil leaks, and it showed signs of a replaced engine. A XXXX XXXX inspection confirmed it was not roadworthy. 
When I tried to resolve these issues, the dealerships representative, XXXX XXXX, threatened me with references to XXXX XXXX  associates. After that, the dealership repeatedly harassed me with calls and emails, demanding more documents and threatening repossession, even though financing had already been approved. 
I live on XXXX XXXX benefits and have serious health conditions. This situation has caused extreme stress, hospitalizations, and financial hardship. I disclosed my disabilities to the dealership and asked for reasonable patience, but instead they cut off communication completely. 
Because of their actions, I now face repossession, ruined credit, and worsening health. I believe this business engaged in fraudulent sales practices, harassment, and discrimination against me. 
I am asking for : * Cancellation of the loan and contract. 
* Protection from repossession and negative credit reporting. 
* Accountability for XXXX XXXX  abusive and fraudulent conduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I was a victim of identity and I have no knowledge of this account and neither did I ever apply for any credit cards, loans, or credit. I see that this debt collection agency is violating my rights by trying to collect a debt that I have no knowledge of they continue to harass me with harsh phone calls, emails etc. I need this debt removed from all three credit bureaus XXXX XXXX XXXX XXXX. I also would like to mention due to the XXXX class action lawsuit filed against XXXX  on XX/XX/year>. Insist you conduct on investigation as you are required by the FCRA law. Please delete the disputed information within the required timeline of 30 days as set forth per the FCRA which is federal law. This debt collector is only providing a contract that was signed with XXXX XXXX XXXX that money is owed but no legal contract between me and portfolio recovery that I owe them a debt Ive never signed a contract for this debt between me and this debt collector and it is illegal by federal law if I havent confirmed this debt specially me being a victim of identity theft and also being in XXXX XXXX away from the states that I am required to pay for this debt this debt collector is violating my rights by harassing me with phone calls, emails and my family and this is illegal and if this continues my family will sue for violation of privacy and harassment. I also will like to mention since the first time this claim was first filed, they had 30 to 60 days to investigate and validate the debt that I owed portfolio recovery a debt and a signed contract and they have not provided me with no contract within that time frame. I request for portfolio recovery under federal law to remove this debt from XXXX XXXX XXXX XXXX fail to do so violates federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. 

I am submitting this formal complaint against Equifax for ongoing violations of the Fair Credit Reporting Act ( FCRA ) related to my identity theft dispute. On XX/XX/year>, I submitted a legal demand with my FTC Identity Theft Report and supporting documentation, which identified fraudulent accounts from XXXX XXXX  and XXXXXXXX XXXX XXXX. Despite having received all required documents, Equifax has failed to block or delete these accounts, in direct violation of FCRA 1681c-2, and has not conducted a reasonable reinvestigation under FCRA 1681i ( a ) ( 1 ). In addition, certain accounts appear to have been reinserted without proper notice, further violating FCRA 1681i ( a ) ( 5 ). Their refusal to comply continues to cause harm to my creditworthiness and financial well-being. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. 

I am submitting this formal complaint against Transunion for ongoing violations of the Fair Credit Reporting Act ( FCRA ) related to my identity theft dispute. On XX/XX/year>, I submitted a legal demand with my FTC Identity Theft Report and supporting documentation, which identified fraudulent accounts from XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX and XXXX XXXX. Despite having received all required documents, Transunion has failed to block or delete these accounts, in direct violation of FCRA 1681c-2, and has not conducted a reasonable reinvestigation under FCRA 1681i ( a ) ( 1 ). In addition, certain accounts appear to have been reinserted without proper notice, further violating FCRA 1681i ( a ) ( 5 ). Their refusal to comply continues to cause harm to my creditworthiness and financial well-being. 

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 non-monetary relief
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
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  Experian Equifax TransUnion Subject XXXX Request for Retroactive Forbearance and Removal of Late Payments Dear XXXX, Experian, Equifax XXXX and TransUnion XXXX I am requesting that my current forbearance be applied retroactively beginning XX/XX/XXXX, and that all associated late payment notations reported to the credit bureaus from that date forward be permanently removed. 

Under the Higher Education Act, 20 U.S.C. 1082 ( a ) ( 2 ), federal student loan servicers are granted authority to enforce, pay, compromise, waive, or release claims in order to resolve disputes fairly. Since I was eligible for forbearance during the period in question and actively sought hardship relief, the reporting of late payments is inconsistent with my actual repayment status.

Additionally, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( XXXX ) ( A ) requires furnishers of credit information to provide accurate reporting. Reporting late payments when an account should have been in forbearance is not accurate. 

Relevant case law supports my position : Saunders v. Branch Banking & Trust Co., 526 F.3d 142 ( XXXX XXXX. XXXX ) Furnishers may be held liable when reporting is misleading or incomplete.

Gorman v. Wolpoff & Abramson, LLP, 584 F.3d 1147 ( XXXX Cir. XXXX ) Furnishers must conduct a reasonable investigation once on notice of a dispute.

Hauser v. Equifax , Inc., 602 F.2d 811 ( XXXX Cir. XXXX ) Credit reporting agencies and furnishers must ensure maximum possible accuracy. 

I respectfully request the following : That my forbearance status be backdated to XX/XX/XXXX. 

That all late payment notations from XX/XX/XXXX forward be deleted from my credit reports. 

Written confirmation once this correction has been made. 

This request is made in good faith and consistent with federal law. Please respond in writing within 30 days, as required by FCRA dispute procedures. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX [ Signature ]

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 2025-09-22 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: VA

Complaint narrative:
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  Experian Equifax TransUnion Subject XXXX Request for Retroactive Forbearance and Removal of Late Payments Dear XXXX, Experian, Equifax XXXX and TransUnion XXXX I am requesting that my current forbearance be applied retroactively beginning XX/XX/XXXX, and that all associated late payment notations reported to the credit bureaus from that date forward be permanently removed. 

Under the Higher Education Act, 20 U.S.C. 1082 ( a ) ( 2 ), federal student loan servicers are granted authority to enforce, pay, compromise, waive, or release claims in order to resolve disputes fairly. Since I was eligible for forbearance during the period in question and actively sought hardship relief, the reporting of late payments is inconsistent with my actual repayment status.

Additionally, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( XXXX ) ( A ) requires furnishers of credit information to provide accurate reporting. Reporting late payments when an account should have been in forbearance is not accurate. 

Relevant case law supports my position : Saunders v. Branch Banking & Trust Co., 526 F.3d 142 ( XXXX XXXX. XXXX ) Furnishers may be held liable when reporting is misleading or incomplete.

Gorman v. Wolpoff & Abramson, LLP, 584 F.3d 1147 ( XXXX Cir. XXXX ) Furnishers must conduct a reasonable investigation once on notice of a dispute.

Hauser v. Equifax , Inc., 602 F.2d 811 ( XXXX Cir. XXXX ) Credit reporting agencies and furnishers must ensure maximum possible accuracy. 

I respectfully request the following : That my forbearance status be backdated to XX/XX/XXXX. 

That all late payment notations from XX/XX/XXXX forward be deleted from my credit reports. 

Written confirmation once this correction has been made. 

This request is made in good faith and consistent with federal law. Please respond in writing within 30 days, as required by FCRA dispute procedures. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX [ Signature ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sunnova Energy Corporation
State: MA

Complaint narrative:
Company Name : Sunnova Bill Date : XX/XX/XXXX Payment Amount : {$590.00} * Account will be debited on XXXX. 
Current Principal Balance : {$43000.00} Original Loan Start Date : XX/XX/XXXX {$48000.00} Principal : {$5400.00} Interest : {$1400.00}

Company response to consumer: Untimely response
Consumer complaint received 2025-09-22 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: MA

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX : XXXX XXXX XXXX  Open Date XX/XX/XXXX Account Number : XXXX days late : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX days late : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
XXXX  days late : XX/XX/XXXX, XX/XX/XXXX Creditor : XXXX XXXX XXXX dba XXXX XXXX Account number ( last XXXX ) : XXXX Account Number XXXX Date opened : XX/XX/XXXX Late months shown : XX/XX/XXXX ( XXXX ) Creditor : XXXX Account XXXX Open Date XXXX late reported XX/XX/XXXX, XX/XX/XXXX ________TransUnion_________________ Creditor : XXXX XXXX XXXX  Open Date XX/XX/XXXX Account Number : XXXX days late : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX days late : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX days late : XX/XX/XXXX, XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX last XXXX ) : XXXX Account Number XXXX Date opened : XX/XX/XXXX Late months shown : XX/XX/XXXX ( XXXX ) Creditor : XXXX Account XXXX Open Date XXXX late reported XX/XX/XXXX XXXX Creditor : XXXXXXXX XXXX XXXX Open Date XX/XX/XXXX Account Number : XXXX days late : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX days late : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
XXXX days late : XX/XX/XXXX, XX/XX/XXXX Creditor : XXXX XXXX XXXX dba XXXX XXXX Account number ( last XXXX ) : XXXX Account Number XXXX Date opened : XX/XX/XXXX Late months shown : XX/XX/XXXX ( XXXX ) Creditor : XXXX Account XXXX Open Date XXXX late reported XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
On XX/XX/year>, I was notified of a collections on my credit report, that I did not open. I did not give anyone permission to open any accounts in my name. This balance of {$110.00} is not my financial responsibility. I have requested a verification of debt from Resurgent Capital Services who has bought the debt from LVNV Funding the initial creditor I assume. I have disputed this item with Resurgent Capital Services and they are still trying to collect a debt that was created from identity fraud. I have never bought any services from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: HI

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. 


This is a formal complaint against BARCLAYS BANK DELAWARE a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation.

Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. 

BARCLAYS BANK DELAWARE 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 2025-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Mullooly Jeffrey Rooney & Flynn
State: NY

Complaint narrative:
I was served paper work for a debt at an address that I no longer live at and the person at the address is now aware of my personal information and the alleged debt. This is illegal and the debt should be cancelled. If not I will take legal action for not protecting my information.

Company response to consumer: Closed with explanation