vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 00:00:00
Product: Mortgage — Conventional home 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: NOVA Financial Holding Company, LLC
State: CO

Complaint narrative:
Subject : Formal Complaint Against NOVA Financial & Investment Corporation for Contradictory Forbearance Terms and Failure to Adhere to XXXX XXXX XXXX I am filing a complaint against my mortgage servicer, NOVA Financial & Investment Corporation, for providing contradictory and misleading information regarding a mortgage forbearance plan, causing significant confusion and distress, and for potentially failing to adhere to the servicing guidelines set by the investor, XXXX XXXX. 

Background : I am experiencing a financial hardship and contacted NOVA Financial to request assistance. My loan is owned by XXXX XXXX, and I am aware that NOVA, as the servicer, is bound by XXXX XXXX 's servicing rules. 

The Problem : Contradictory Information and Potential Violation On XX/XX/XXXX, I spoke with a representative from NOVA 's Loss Mitigation department. The call was on a recorded line. During this call, the representative : * Approved me for a XXXX forbearance plan ( XX/XX/XXXX- XX/XX/XXXX ) based solely on a verbal questionnaire. 
* Explicitly stated that * * no further documentation was required * * to enact this plan. 
* Informed me that I could request an additional XXXX extension before the end of XX/XX/XXXX if needed. 

Later, I received a formal forbearance offer letter from NOVA dated XX/XX/XXXX. This letter directly contradicted the phone representative by stating : * The plan was offered " based on an incomplete mortgage assistance application. '' * To be evaluated for other options, " an updated complete application must be received. '' * It contained multiple threats of foreclosure, which is intimidating and not in the spirit of the assistance I was verbally approved for. 

This conflict between the recorded verbal approval and the formal written terms has created immense uncertainty. I accepted the forbearance plan in good faith based on the information provided by NOVA 's own agent. The written letter now attempts to impose different, more onerous conditions after the fact.

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 2025-11-04 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I had a charge on my XXXX card for a hotel in XXXX that I did not make. XX/XX/XXXX XXXX XXXX in XXXX WI XXXX which I have never heard of. Chase actually texted me to say there was a charge for this did I make it and I stated no so they cxled the card. But then the charge was back on 2/3 weeks later.The reservation was thru XXXX which I had made a reservation that I used for the same dates. I disputed the charge explaining to them I would not of made the reservation since I had already made one. They denied the dispute 2 times stating that XXXX said I made it. All XXXX did was to tell them it was under my name and IP address. I told them that IP addresses are not private ( as a senior dispute person told me they were ) especially since I have been in several data breaches. BUT I also said my XXXX XXXX XXXX XXXX XXXX XXXX was with us at that time and she will get into my tablet at times and mess around. She cant remember if she went into it and gets upset if we keep questioning her. I have had this card for quite a while and a regular chase card for XXXX years and have only disputed a handful of minor issues. 
XXXX said because it was disputed I needed to go back to my bank ( even though I provided them the letter stating dispute was closed. ) The bank says I need to get XXXX to say I did. Or make it? I dont know what to do ; we are retired i did work until I couldnt and my husband is part time trying to pick up more days but he is XXXX. 
I just dont understand why Chase is refusing this. Even if it was done by my mother in law I didnt know about it. I would have no reason to make to reservations. Our daughter paid for our tickets to visit our new grandson so we booked a room at the XXXX XXXX ( nothing fancy ). Just to feel like a vacation. Now I wish we didnt go. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo sent me a replacement card for my business account and in the envelope was THE CARD and THE PIN. When I opened the envelope I was shocked to see the new PIN number included in the same envelope as the new replacement card. I thought surely there are some security measures? There was also a document stating that I could validate the card online, over the phone or at an ATM. I elected to validate the card at the ATM to see if the new " PIN '' would work because that is exactly what a thief would do. I was successfully able to validate the card using the new PIN that was provided in the envelope. WHAT SORT OF SECURITY IS THIS? this is like sending cash in an envelope from the bank. I AM CERTAIN THAT THE NEW PIN WAS IN THE SAME ENVELOPE AS THE CARD. I am certain that Wells Fargo will deny that, however that is what is happening at that institution. whose side are they on? It is like they want the thieves to have easy access to stealing money. I am sending in this report because I am sure that there will be many Wells Fargo customers that will have a vast amount of money stolen from Wells Fargo. when it comes to Debt cards it is very unlike that customers will be able to recover any stolen funds. Here we go again ... Wells Fargo executives are busted for opening unauthorized accounts in 2016 and now due to STUPIDITY the executives are putting customers at risk with insanely STUPID procedures that make it easy for thieves to rip off Wells Fargo customers. What is wrong with Wells Fargo? I just want to warn the industry so that when the fraud occurs the source of the blame can be identified.

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My credit report has not been updated only with experian almost a month now and i have been denied credit because os their actions.

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
These accounts are being reported under my name without my authorization or awareness, and I have never authorized or managed them. This is completely unacceptable, as it presents inaccurate and misleading information about my financial history. I take my credit profile very seriously, and seeing these unauthorized accounts has caused me significant concern.

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 2025-11-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: USCB Corporation
State: AR

Complaint narrative:
On XX/XX/XXXX I reached out to USCB with this letter : USCB CORPORATION XXXX XXXX XXXX XXXX # XXXX XXXX, PA XXXX Re : Debt Validation Request under the Fair Debt Collection Practices Act ( FDCPA ) Account Number : XXXX Dear To Whom It May Concern, I am writing in response to your recent communication regarding the alleged debt referenced above. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), XXXX U.S.C. XXXX, I am requesting validation of this alleged debt and proof that your agency has the legal right to collect it. 

Specifically, please provide the following documentation : The complete account history, including the original creditors name, the original amount, and all payments, interest, and fees that have been added or deducted since the accounts inception. 

A copy of the original signed contract or agreement that created the debt. 

A full and complete copy of the assignment or purchase agreements, including all documents that show the chain of title of the debt from the original creditor to your agency ( and any intermediary owners, if applicable ). 

Proof of your authorization to collect in my state, including your license or registration number, if required.

Verification that the alleged debt is within the statute of limitations for collection in my state. 


Until this information is provided, I request that you cease all collection activities, including phone calls, letters, and credit reporting, as required by law. 

Please note that failure to properly validate the alleged debt or provide the requested assignment documents will be considered confirmation that you do not have the legal right to collect or report this debt. 

This is not a refusal to pay, but a notice that your claim is disputed and validation is required. Please provide all documentation within 30 days of receiving this letter. 


XX/XX/XXXX XXXX reached out with a reply however they did not include Proof of your authorization to collect in my state, including your license or registration number, if required.

Verification that the alleged debt is within the statute of limitations for collection in my state. 

As requested. I replied on XX/XX/XXXX asking for them to provide this information and they have failed to do so

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-11-04 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: NC

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-11-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Alabama XXXX XXXX ( XXXX ) XXXX Date : XXXX XXXX To : Consumer Financial Protection Bureau Consumer Response Division Subject : Formal Complaint Against Santander XXXX XXXX XXXX XXXX XXXX XXXX  for Violations of Federal Credit Reporting Laws Dear CFPB, I am writing to file a formal complaint against Santander XXXX XXXX XXXX XXXX XXXX XXXX  for the inaccurate and unlawful reporting of my closed and paid account with Santander Consumer USA. 
The account in question is : Santander XXXX XXXX Account Number : XXXX This account has been paid in full and closed, yet it is being reported inaccurately to the credit reporting agencies as having multiple late payments. Specifically : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This information is false, misleading, and damaging to my credit reputation. 
Legal Basis for My Complaint The actions of Santander Consumer USA and the credit reporting agencies violate multiple provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811681x, and related consumer protection laws : 1. 15 U.S.C. 1681e ( b ) : Failure to ensure the maximum possible accuracy of information. 2. 15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation of disputed information. 3. 15 U.S.C. 1681s-2 ( a ) : Furnishers duty to report accurate information. 4. 15 U.S.C. 1681s-2 ( b ) : Furnishers duty to investigate disputed information. 5. 15 U.S.C. 1681g : Failure to provide accurate and complete information to consumers. 6. 12 U.S.C. 5531 : Unfair and deceptive practices under the Consumer Financial Protection Act ( UDAAP ) Impact on Me Because of these violations, I have suffered : - Damage to my credit score and reputation - Difficulty obtaining new credit and financial products - Emotional distress and financial harm This inaccurate reporting is preventing me from maintaining fair access to credit, in direct contradiction to the purpose of the Fair Credit Reporting Act. 
Requested Resolution I am requesting that the CFPB take immediate action to ensure the following : 1. Santander Consumer USA corrects its records and notifies the Account Holder XXXX XXXX & all credit reporting agencies that the account is paid in full and closed, with no late payments reported. XXXX XXXX XXXX XXXX XXXX delete all inaccurate late payment entries associated with this account. 3. All parties provide me written confirmation of these corrections within 30 days of receipt of this complaint. 
Supporting Documentation I have attached the following documents to support my complaint : - Proof of payment and account closure from Santander XXXX XXXX XXXX Current credit reports showing the inaccurate late payment entries- Copies of my prior dispute letters sent to each credit bureau Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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:
I claim no ownership of these accounts ; they must be deleted within 15 days as per USC 1681g.

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX, and I am filing this complaint against TransUnion, Equifax, and Experian for repeatedly failing to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ). Despite multiple valid disputes and documentation provided, all three credit bureaus have failed to properly reinvestigate or correct inaccurate information appearing on my credit report. 

I initially submitted disputes over 35 days ago, along with prior requests before that, yet the credit bureaus continue to report inaccurate and unverifiable items. Their failure to correct or validate this information constitutes clear violations of federal law, specifically : 15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation of disputed information.

15 U.S.C. 1681i ( a ) ( 7 ) : Failure to provide a full and clear method of verification.

15 U.S.C. 1681e ( b ) : Failure to follow reasonable procedures to ensure maximum possible accuracy.

The credit bureaus have not provided : The method and procedures used in verifying the disputed accounts.

Documentation or records relied upon for verification. 

The name, address, and contact information of the furnishers involved. 

By continuing to report inaccurate or unverifiable data, the credit bureaus are in willful noncompliance with the FCRA. I have already submitted formal complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General, detailing these ongoing violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
I been disputing these account that are not mine for the past four months continuously and I keep getting the same response from all the three credit agencies and the company reporting these information I have Multiple account reporting on my credit reporting information that are not mine The account name are Experian, TransUnion, Equifax XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CONTRACT CALLERS INC
State: NY

Complaint narrative:
Attempts to collect debt not owed to them contractually

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: MD

Complaint narrative:
I am disputing XXXX charge off tradelines that AFFIRM INC is reporting on my XXXX  XXXX  and XXXX  files account XXXX written off {$410.00} in XX/XX/year> ; account XXXX written off {$740.00} in XX/XX/year> ; account XXXX written off {$310.00} in XX/XX/year>. I never opened or authorized any of these accounts and the balances are false. By continuing to furnish and publish demonstrably inaccurate information, AFFIRM INC and each credit bureau are in clear violation of the Fair Credit Reporting Act Sections 607 611 and 623 which require reasonable procedures to assure maximum possible accuracy to investigate disputes and to correct or delete erroneous data Aggressive Demand for Relief I hereby demand that AFFIRM INC and XXXX  XXXX  and XXXX  complete a compliant reinvestigation remove all references to XXXX XXXX and XXXX from my credit files and provide written confirmation of deletion within 15 days as mandated by FCRA Section 611 Failure to comply will result in immediate escalation to the Consumer Financial Protection Bureau the Federal Trade Commission and my state Attorney General for enforcement action statutory damages and recovery of all attorneys fees under FCRA Sections 616 and 617

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Background : In XX/XX/year>, a garnishment action was filed through the XXXX XXXX XXXX XXXX related to my account with American Express. Since that time, I have been actively making payments toward the judgment, and both the court and American Express have records confirming these payments. 

Despite this, the same garnishment filing appears to have been resubmitted recently, which has caused confusion and concern. I have communicated directly with the court to clarify that : I do not work for XXXX XXXX and have never been employed by them. 

My last employer was XXXX. 

I continue to make regular payments toward the debt as agreed. 

I have also provided supporting documents to the court, including proof of payment and related correspondence. 

It appears that XXXX XXXX XXXX XXXX XXXX may have initiated or repeated a garnishment action that duplicates one already resolved or actively being paid. I am unsure why this filing occurred again, especially considering there has been no lapse in payment activity or communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: AZ

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I had one late payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. Ive attached a copy of my report to this complaint on the following date : XX/XX/year>. 

Im now requesting you investigate this account and update these payments to paid on time immediately. 

Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: NY

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

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