vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Novo Platform Inc.
State: TX

Complaint narrative:
The transaction was to transfer {$500.00} from NOVO bank to XXXX XXXX  for my new business XXXX XXXX. I initiated the transfer at XXXX and the deposit was supposed to post on XX/XX/year> or XXXX. 

Upon checking my both bank accounts, I noticed that I had XXXX deposit of {$500.00} at XXXX ; and XXXX withdrawals of {$500.00} from the NOVO bank account. 

I noted that each transaction had different transaction IDs, so I knew that they were XXXX separate withdrawals/debits of {$500.00} ( XXXX and XXXX ). 

I reached out to customer service about my concern and I was given responses that were reworded variations of my questions. No additional information was provided to me, nor was there an additional look into the transaction IDs as per my request. 

A complimentary credit of {$500.00} was not given until proper research was conducted, just complete disregard. 

I had no other recourse but file a complaint to have my concern addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: TX

Complaint narrative:
I am a victim of identity theft. XXXX XXXX XXXX XXXX  is reporting an account that has been fraudulently opened and/or used in my name without my knowledge, authorization, or consent. I did not open or authorize this account, and I have never received any benefit from it. This unauthorized activity has caused serious harm to my credit profile. I am submitting this FTC Identity Theft Report to dispute the account with Experian and to request the account to be permanently blocked and deleted under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ), which requires deletion of identity theft-related items within four ( 4 ) business days of receiving this report and proper documentation. I am also requesting that the credit bureaus send me a written confirmation once the fraudulent account have been removed.

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 2025-09-29 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 SER 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 2025-09-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: NC

Complaint narrative:
I am submitting a formal complaint regarding an ongoing, inaccurate reporting on my XXXX  and XXXX  credit files. A loan account serviced by EdFinancial Services was thoroughly investigated and deleted from my XXXX.This ongoing reporting constitutes a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically FCRA 623 ( furnisher obligations ), FCRA 611 ( a ) ( 5 ) ( B ) ( prohibition on reinsertion without proper notice ), and 15 U.S.C. 1681s-2. Additionally, if collection activity is involved, this may also violate provisions of the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: FL

Complaint narrative:
On XX/XX/year>, I sent {$300.00} using Chimes Pay Anyone feature to an individual who misrepresented themselves as a service provider. The person provided me with a hotel location and room number, requested payment in advance, and promised services once I arrived. After I sent the money, they refused to open the door, demanded additional payment, and never provided any service. This was a fraudulent transaction under false pretenses. 

I contacted Chime immediately to dispute the charge. Chime support told me that because I initiated the transfer, it could not be reversed, and treated it as an authorized cash transfer. However, this was not a legitimate peer-to-peer transaction between friends or family I was scammed into sending funds under fraudulent circumstances. I have saved screenshots of the conversation and can provide them if requested. 

I am requesting that this complaint be reviewed and handled as a case of fraud/misrepresentation, not dismissed as an ordinary peer-to-peer transfer. My initial complaint with Chime was logged under ticket # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken
State: IN

Complaint narrative:
On XX/XX/year>, I deposited {$1900.00} into my Kraken account via ACH to purchase XXXX. My account was approved with a {$2000.00} funding limit, and the XXXX purchase was successful. 

Afterward, I noticed my name was incorrectly listed as XXXX XXXX instead of my legal name XXXX XXXX. To fix this, I contacted Kraken Support and submitted documents. 

Instead of resolving the issue, on XX/XX/year>, I discovered that my Kraken account had been closed without explanation. My balance of approximately {$1900.00} in XXXX is now locked inside the account, and I have not been provided instructions on how to recover my funds. 



What Happened ( Timeline ) : XX/XX/year> Deposited {$1900.00} via ACH into Kraken and purchased XXXX. 
XX/XX/year> Submitted Ticket # XXXX to correct a name error but mistakenly uploaded my brothers ID. 
Later XX/XX/year> Opened Ticket # XXXX and submitted my valid drivers license showing my correct legal name ( XXXX XXXX ). 
Sept 2528, 2025 Only received one acknowledgment from Kraken that my case was under review. No resolution. 
XX/XX/year> Upgraded to Kraken+ membership for priority support, but my account issue remained unresolved. 
XX/XX/year> Woke up to find my Kraken account was closed. No notice was given, and no instructions were provided on how to withdraw my funds.

Problem : Kraken has closed my account without explanation while still holding my balance of ~ {$1900.00} in XXXX. I followed their procedures, submitted my valid ID, and attempted to correct a minor clerical error in my name. Despite this, my account was restricted, then closed, and my funds remain inaccessible. Kraken support has been unresponsive.

Requested Resolution : I am requesting Kraken to : 1. Provide clear instructions for recovering my funds ( ~ {$1900.00} in XXXX ). 
2. Correct my account information to reflect my legal name ( XXXX XXXX ) if necessary. 
3. Ensure consumers are not left without access to their money when accounts are closed.

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 2025-09-29 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-09-29 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XX/XX/year>, I obtained my credit report from Equifax and Experian, and it incorrectly displayed a credit score of XXXX. This reporting is inaccurate and misleading because I have open and active accounts in good standing that should generate a valid score. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681e ( b ) requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information in consumer reports. Reporting a XXXX score, without proper basis, fails this standard. 

Additionally, under 15 U.S.C. 1681i, I have the right to dispute inaccurate information and request a reinvestigation. I am formally disputing the reporting of a XXXX score and requesting that the bureau : Investigate and verify the accuracy of this reporting with the data furnishers. 

Provide documentation showing how this XXXX score was calculated. 

Correct my file to reflect an accurate and valid credit score. 

If the bureau can not verify this information with supporting documentation from the original source, it must be removed or corrected. Failure to address this issue may result in further complaints filed with the Consumer Financial Protection Bureau ( CFPB ) for non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: TekCollect Inc.
State: NY

Complaint narrative:
I signed up for XXXX and received aligners for my teeth. I had an issue with the aligners and returned them and then the company went bankrupt. XXXX XXXX XXXX is the financial company that handled the debt I owed for the aligners. I never received new aligners or any information after XXXX went bankrupt. XXXX XXXX XXXX says I am still liable for the balance, even though I did not receive the goods as described. The debt has been sold to TekCollect who is now attempting to collect the debt and threatened to ruin my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: AZ

Complaint narrative:
My personal information has been exposed in a data breach. These accounts do not belong to me. 

XXXX XXXX, Bal- {$240.00}, opened : XX/XX/XXXX XXXX, Bal- {$0.00}, opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX, Bal- {$3600.00}, opened : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX, Bal- {$20000.00}, opened XXXX XX/XX/XXXX XXXX XXXX, Bal- {$920.00}, opened : XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 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: AZ

Complaint narrative:
My personal information has been exposed in a data breach. These accounts do not belong to me. 

XXXX XXXX, Bal- {$240.00}, opened : XX/XX/XXXX XXXX, Bal- {$0.00}, opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX, Bal- {$3600.00}, opened : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX, Bal- {$20000.00}, opened XXXX XX/XX/XXXX XXXX XXXX, Bal- {$920.00}, opened : XX/XX/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 2025-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XX/XX/XXXXis reporting Midland Credit Mgmt acct # XXXX for {$630.00}. I disputed and requested validation : wet-signature contract, full chain of assignment, notarized affidavit, and itemized accounting. Experian failed to provide a Method of Verification and continues furnishing unverifiable data. This violates FCRA XXXX ( b ), XXXX, XXXX, and Metro 2 standards. I demand deletion of this account and written confirmation of removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file.

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 2025-09-29 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Despite your response indicating the account was updated, the errors remain unresolved and continue to reflect derogatory information that is misleading and unsupported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: CA

Complaint narrative:
On XXXX/XXXX/1025, I logged into my Cash App debit card/bank account and a charge that showed declined for XXXX was still processed affecting my balance. Causing the balance to be XXXX, but there were no details in the transaction history to show how this happened or that the funds were taken. When I reached out to their support team I was told this was because of a dispute that I filed. I had not filed a dispute as I told them And provided proof from XXXX XXXX  that said claim was made mistakenly due to a system error the showed funds which may have been previously credited has already been returned to their system on XX/XX/year>. This was all prior to those funds being taken by Cash App. So that should never have occurred. When I requested documentation from them they declined providing it saying it was available in my account when it wasnt. After I provided documentation to them from XXXX XXXX  showing returned funds and a letter regarding the prior glitch. I was told they would escalate the issue to correct by balance. The next day I was then told by Cash Apps team that they couldnt help me to contact XXXX XXXX. But XXXX XXXX  had closed the issue and returned funds so there was nothing they could do. So Im still out XXXX and the Cash App balance is negative

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MA

Complaint narrative:
On XX/XX/XXXX an online moneygram account was created in my name, a transfer was made from one of my checking accounts to be picked up in cash in XXXX  by someone I'd never heard of, and then the account was closed. I received an email for each of these steps and the whole thing took less than an hour. I didn't notice until 6 hours later when I saw the fraud on my bank statement and the emails. I contacted my bank to dispute the charge and moneygram to cancel the transaction and make sure this couldn't happen again. To their credit, the moneygram rep acted professionally and assured me that even I would not be able to send a moneygram unless I went in person to a physical location. She did inform me that moneygram would return the transfer amount, but not the {$6.00} transfer fee that money gram collected. This seems completely unethical, especially since no independent verification was done to activate the account in my name. Every financial transfer institution I've ever used sends a message to verify access to the email address being used. There was no verification email in my inbox. On top of that, my mailing address was entered with moneygram as being in Alabama which is incorrect, and my zip code doesn't even match Alabama. The lapse in security measures seems like more than enough reason to refund the transfer fee. It is also shocking to me in general that no verification would be done before sending my money out of the country.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Business Processing Solutions, LLC
State: MD

Complaint narrative:
I sent a debt validation and cease and desist order to you guys via mail and fax. YOU NEVER RESPONDED. I have never done any business with Professional Account Management or any of its partner companies. This is a result of identity theft, and it NEEDS to be removed. See my attached letter and provide an answer to ALL of the items on my 9-item list, EVERY SINGLE ITEM, or remove it from my credit report and cease collections on the debt. You guys are also harassing me, calling me several times a day after I told you to STOP calling me. Just for that, I have grounds to sue you. I keep records of my call logs. I have won every lawsuit against other collection agencies I've sued. Thank 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 2025-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/year>, an ACH transaction for {$41000.00} occurred in my account. I did not authorize this transaction. I do not know who the company is that took this money, I don't know what they did with the money and I asked Wells Fargo to get the money back but they said I waited too long to notify them. 

The transaction first appeared on my account on XX/XX/year> ( that is the first day I saw it ) and I IMMEDIATELY called them to report it and ask for help. 

On XX/XX/year>, Wells Fargo mailed me a letter telling me I waited too long to contact them and I should reach out to the merchant XXXX XXXX XXXX  at XXXX to resolve the issue. 

I contacted this company ( XXXX XXXX ) on XX/XX/year> by doing a XXXX search of their name. I asked about the transaction. They claimed to not know anything about it. 

I do not know what documents Wells Fargo received, I do not know the account number where the money was sent, I have never heard of this XXXX XXXX XXXX until I saw their name on the transaction. When I called them they said they had no such transaction, did not know anything about any ACH to Wells Fargo, etc... I presumed Wells Fargo would reverse the transaction but they didn't.

I believe Wells Fargo authorized a transaction that I did not initiate. I never signed any document, I didn't process an electronic request. I believe they need to recover my money and then go find who stole it from them

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 2025-09-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to file a formal complaint against EQUIFAX, a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. 
On [ Date ], I sent a letter to EQUIFAX notifying them of the reinsertion of XXXX  XXXX XXXX  ( XXXX ) into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting for 35 days after sending the letter, EQUIFAX has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations.

EQUIFAX actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with EQUIFAX, they have neglected to take appropriate action, demonstrating a lack of accountebility and compliance with federal consumer protection laws.

Company response to consumer: Closed with explanation