vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Novo Platform Inc.
State: NV

Complaint narrative:
Novo Bank Website : https : //www.novo.co/ Support Email : XXXX On XX/XX/year>, at approximately XXXX XXXX, my email, phone number, and both my XXXX and Novo accounts were compromised. That same day, an unauthorized transfer of {$180.00} occurred from my XXXX account into my Novo account. 

On XX/XX/year>, three additional unauthorized transfers were made from my XXXX account into my Novo account, totaling {$12000.00} : {$5000.00} {$5000.00} {$2000.00} Shortly afterward, two unauthorized outbound transfers from my Novo account were made to XXXX XXXX XXXX, in the amounts of : {$1400.00} {$40.00} These transactions were executed without my knowledge or authorization. 

On the morning of XX/XX/XXXX, I contacted Novo Customer Service at approximately XXXX XXXX reported the account compromise, and explicitly requested an immediate freeze on my account. I also formally disputed all unauthorized transactions. 

Despite this clear notice, on XX/XX/XXXX, my account was unfrozen by a Novo representative named XXXX XXXX, based on fraudulent documentation submitted by the hacker. The ID used was clearly fake and included : A photoshopped image of my face A label reading XXXX A non-matching ID number This blatant forgery should never have passed Novos verification processes. As a result of this failure, an additional {$5000.00} was transferred to XXXX XXXX on XX/XX/XXXX, and another {$5000.00} to XXXX XXXX XXXX XXXX on XX/XX/XXXX. 

Fortunately, it appears both {$5000.00} transfers were reversed and returned to my Novo account on XX/XX/XXXX. As of XX/XX/year>, my Novo account had a balance of approximately {$10000.00}. However, Novo closed my account without any clear explanation and has failed to return those funds. 

I have no personal or professional relationship with the individuals who received these funds : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email : XXXX Bank : XXXX Bank, last XXXX digits : XXXX XXXX XXXX Email : XXXX Bank : XXXX Bank, last XXXX digits : XXXX Despite repeated follow-ups, Novo continues to tell me that the account team is working on it, without offering any clear timeline or resolution. In contrast, other financial institutions I closed accounts with due to this breach promptly sent my remaining balances by check. Novo has not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-07 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: IN

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

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 XXXXXX/XX/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 2025-05-07 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: GA

Complaint narrative:
To Whom It May Concern : I have recently been informed again that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings. I challenge the accuracy, compliance and reportability of these listings. 

XXXX XXXX XXXX XXXX XXXX Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing these inquiries are being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from XXXX  XXXX XXXX XXXX you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay or be held accountable for the alleged debt.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: GA

Complaint narrative:
To Whom It May Concern : I have recently been informed again that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings. I challenge the accuracy, compliance and reportability of these listings. 

XXXX XXXX XXXX XXXX XXXX Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing these inquiries are being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from XXXX  XXXX XXXX XXXX you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay or be held accountable for the alleged debt.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your 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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Io, Inc.
State: TX

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX, Tx XXXX XXXX XXXX RECEIVABLES MANAGEMENT SYSTEMS Subject : Request for Validation of Debt Request for Purchase Agreement To Whom It May Concern, I am writing to formally dispute the accuracy of an item reported on my credit report. The item in question is listed under the name Receivables Management Systems Under the Fair Credit Reporting Act ( FCRA ), I have the right to request full validation of any alleged debt. I am specifically requesting a copy of the original purchase agreement or contract that allegedly bears my signature and establishes my legal obligation to this debt.

Please consider this a formal request for : 1. The original purchase agreement or contract related to this account.

2. A complete payment history, including the original amount and any charges or interest applied.

3. Documentation proving your right to collect this debt and report it to the credit bureaus.

Until this requested documentation is provided, I ask that this account be marked as in dispute on all credit reports as required by the FCRA. If you are unable to provide adequate validation, I respectfully request that the item be removed from my credit report.

Please respond to this request in writing within 30 days as required by law. I have enclosed a copy of my credit report with the disputed item circled for your reference. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am disputing the collection account reported by XXXX XXXX XXXX, managed by XXXX XXXX XXXX, as shown on my Experian credit report ( Report Number XXXX ). The account reports a balance of {$580.00} and claims to originate from XXXX XXXX XXXX, with an open date of XXXX XXXX XXXX, and last update on XXXX XXXX XXXX. However, XXXX / XXXX does not appear anywhere on my credit file as an open tradeline, charged-off account, or closed obligation. There is no reported balance, no contractual obligation, and no direct creditor-consumer relationship currently on file. This account is being reported solely by XXXX XXXX who have failed to produce any assignment of debt, original contract, or documentation proving they have legal standing to collect or furnish this information. This violates FDCPA 809 ( a ) and triggers deletion under FCRA 1681i ( a ) ( 5 ) ( A ). Further, reporting this collection without an active or verified debt from the original creditor constitutes illegal re-aging and misleading reporting, in violation of FCRA 1681c ( a ) ( 4 ) and 1681e ( b ). The tradeline materially misrepresents the accounts status, age, and collectibility, and is being used to suppress my creditworthiness without proper documentation or verification. I also formally object to the use of third-party databases such as XXXX, XXXX, XXXX, XXXX, and XXXX XXXX in this reinvestigation. These entities are not the original creditor, and their use would violate FCRA 1681b ( a ) for lack of consumer authorization and permissible purpose. I hereby invoke FCRA 1681i ( a ) ( 8 ) and request the immediate and permanent deletion of this collection account within three business days. If not removed, I will escalate to the FTC, IRS, and additional enforcement agencies.

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 2025-05-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Servicer under contract with Federal Student Aid
State: TN

Complaint narrative:
Dear XXXX XXXX : XXXX has reviewed your complaint made with the Consumer Financial Protection Bureau ( CFPB ) regarding your progress toward Public Service Loan Forgiveness ( PSLF ). Beginning XX/XX/year>, the Public Service Loan Forgiveness ( PSLF ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX programs are no longer managed through a designated loan servicer. As of XX/XX/year>, the XXXX XXXX is fully managed by the XXXX Department of Education on XXXX. Borrowers seeking PSLF can submit PSLF forms, track the status of their forms, view correspondence, and access payment counts through their StudentAid.gov account. XXXX is unable to determine the eligibility of payment periods for XXXX. This is determined by Federal Student Aid. If you disagree with your qualifying payment count toward PSLF, you have the option to file a reconsideration request to initiate FSA re-review of your loan history at https : //studentaid.gov/manage-loans/pslf-reconsideration. If you have any other questions or concerns, please dont hesitate to contact a member of our 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. You can also visit XXXX. Sincerely, XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-05-07 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: TX

Complaint narrative:
These inquiries are unknown to me and seem to be not authorized. Please take quick action to remedy this situation. The linked documents provide additional clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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.

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ).

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 2025-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/year> I was contacted via email by Regions Bank that I was due a refund due to. CFPB settlement for overdraft fees. I called them on the same day to get a new check sent to the new address. I was told it would take 30 days. 

On XX/XX/year>, I called Regions Bank to follow up and I was given a ticket number ( ( XXXX ) and told to call back after 30 days. I called again on XX/XX/year>, and I was told that the refund was processed on XX/XX/year> and I had to wait 3 weeks from that date, I confirmed that they had the correct address as well. 

On XX/XX/year>, I called back considering it had been 30 days from XX/XX/year>, and I was told that I should have already received the refund. I had not received the refund. I was given another ticket number ( XXXX ) and I was told I had to wait an additional 30 days for a check to be reissued. I confirmed the address again to ensure they had the correct address. 

Today is XX/XX/year>, and I have not received a refund from Regions. I have not received the check that was allegedly initiated from the XX/XX/year> call, nor have I received a check from the XX/XX/year> call. 

If Regions, by way of this settlement was required to refund its customers due to unfair practices, I would like to demand them issue my refund as soon as possible. It seems they are giving the run around when they are legally required to issue payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-07 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Subject : Dispute of Inaccurate and Unauthorized Information Under FCRA To Whom It May Concern, I am writing to formally dispute and request the removal or correction of multiple inaccurate and unauthorized items on my Experian credit report. These entries violate the Fair Credit Reporting Act ( FCRA ), and I am requesting your prompt investigation and action. 
________________________________________ Items in Dispute : XXXX. XXXX  XXXX Account # XXXX Date Opened : XX/XX/year> High Balance : {$4000.00} Issue : Late Payment Reason for Dispute : I am disputing the accuracy of this reported late payment. I am requesting verification including complete payment history and any records that substantiate the delinquency. If accurate verification can not be provided, please delete or correct this account accordingly. 
XXXX. XXXX  XXXX Account # XXXX Date Opened : XX/XX/year> High Balance : {$4900.00} Issue : Charge Off Reason for Dispute : I am challenging the accuracy of this charge-off entry. Please conduct an investigation and validate the reporting with original creditor documentation. If unverifiable or inaccurate, it must be removed. 
________________________________________ Unauthorized Inquiries : XXXX XX/XX/year> XXXX XX/XX/year> I did not authorize these hard inquiries, and they were made without my consent, which is a direct violation of FCRA 604 ( a ). Please provide documented proof of authorization or remove these inquiries immediately. 
________________________________________ Legal Compliance : Under FCRA 611, you are required to investigate and respond to this dispute within 30 days. If these items can not be verified with documented evidence, they must be deleted or corrected promptly. 
Please send me an updated copy of my credit report once the investigation is complete. 
Thank you for your time and attention to this matter. 
Sincerely, 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 2025-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: OPORTUN FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/XXXX I requested XXXX instant transfer deposits to be withdrawn from my Oportun XXXX XXXX account and instantly deposited into my XXXX XXXX XXXX XXXX Account ending in XXXX : A. for {$310.00} XXXX for {$32.00} On XX/XX/XXXX I requested XXXX additional instant transfer deposits from the same Oportun account to the same XXXX XXXX XXXX checking account. 

XXXX For {$53.00} XXXX For {$360.00} Oportun charges a fee of {$0.00} for each instant transfer request and advertises on their mobile app that the funds will be available within minutes. 

As of XX/XX/XXXX, I have not received Deposit A or Deposit B into my checking account ending in XXXX. However, the {$0.00} fees ( total of XXXX ) associated with each transaction have posted to my checking account. 

When I view my running balance on the Oportun mobile app, It shows both XXXX  and XXXX as being completed. 

I contacted oportuns email for help and was provided with alphanumeric trace numbers for the requests but when I forwarded them to XXXX XXXX XXXX, I was informed that the trace numbers should be numeric only. 

XXXX XXXX XXXX provided me with a month-to-date statement showing that I have not received these funds. 

As a result of this, I was charged over {$150.00} in overdraft fees. I am extremely frustrated with this and I am concerned with the likelihood of this issue being resolved. I have not been provided with any formal steps that I can take to dispute this error and it feels like a scam. 

I am a single mom and I can not afford to lose this money and will not stop until opportun rights this wrong. I have requested a call from opportun multiple times over the last XXXX days and have yet to receive XXXX. I need help getting this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: TX

Complaint narrative:
I have no contribution with these particular accounts and assume they are falsified. I request a thorough inquiry and immediate removal from my credit record. Attached are supporting materials.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
There are apparently two accounts one account ending in XXXX with a balance of {$1700.00} and the second account ending in XXXX with the balance of {$1800.00}. I dont know where these accounts came from. I dont know why all of a sudden now Im getting a bill for these accounts. I never applied for these accounts. I never used these accounts. I have no knowledge of these accounts and usually when you have a credit account that you send a credit card, but I havent gotten any credit cards for these accounts. Someone opened them fraudulently without my permission.

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