vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My claim was denied for the online theft that occurred with my account : XXXX, and I am demanding " Right To Documentation ''. Wells Fargo is right : " The money was taken from a Matching IP address. '' Wells Fargo is right " The ping from their IT department traced the transaction ( s ) to the address on my statement ''. HOWEVER- I LIVE IN CALIFORNIA- the suspect and HIS computer are in NEW YORK and THAT is where the IP address matches. Wells Fargo was too lazy to read the police report, which stated the identity theft. In XX/XX/scrub> 2025, Wells Fargo accidentally sent ALL of my financial information to the hacker in New York, and this is how the fraud started. In conclusion, my Signify Card protects me from all fraudulent transactions, and Wells Fargo has proven via THEIR investigation that ALL of the online transactions were made in XXXX, New York- I live in California XXXX Thank You- Please see # 1 The attached Police Report * * * # 2 Credit card statement # 3 On Line password change

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 2025-08-04 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: AL

Complaint narrative:
I have no affiliation with these accounts and suspect them to be fraudulent. I request a comprehensive investigation and their immediate removal from my credit report. Enclosed are supporting documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: EQUIFAX, INC.
State: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$470.00} XXXX XXXX - Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$130.00} XXXX  XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2300.00} INQUIRIES : XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
These accounts, fraudulently opened without my knowledge, should be removed from my credit report as required by USC 1681g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center.

regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 2025-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Novo Platform Inc.
State: NJ

Complaint narrative:
Novo Bank closed my business account without any prior notice or explanation. Upon contacting their customer support, I was informed that they could not disclose the reason for the closure. This lack of transparency is unacceptable and has significantly disrupted my business operations. 

At the time of closure, my account held a balance of approximately {$1500.00}. I am unable to verify the exact amount due to being locked out of their application. Novo Bank claimed they mailed a check for the remaining balance to my registered address. However, I repeatedly informed them that my business address had changed, and the check would not reach me. They advised that I would need to wait up to 90 days for the reissuance of the funds. 

After the XXXX period, I complied with their requirements by submitting a notarized change of address form along with a bank statement to verify the legitimacy of my new address. Despite fulfilling these requirements, I have received no further communication from Novo Bank. All my follow-up inquiries, submitted via their XXXX ticketing system, have been closed without any response or resolution. 

This experience has been highly frustrating and demonstrates a lack of accountability and customer care. I strongly advise other small businesses to avoid Novo Bank and opt for a more reliable financial institution. 

Small businesses is at risk due to this kind of practice and policies and should be deemed illegal. You've been entrusted and yet this is how you treat your consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: CA

Complaint narrative:
I am disputing the accuracy of account balance of my XXXX student loans in regards to XXXX XXXX on my credit report. These loans were fully discharged as Paid in full and according to U.S Department of Education, this was reported to XXXX XXXX and Experian on XX/XX/year>. The credit bureaus mentioned have failed to update my credit reports.

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 2025-08-04 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: CA

Complaint narrative:
I am disputing the accuracy of account balance of my Federal student loans in regards to XXXX XXXX on my credit report. These loans were fully discharged as Paid in full and according to U.S Department of Education, this was reported to Equifax, XXXX XXXX XXXX on XX/XX/year>. The credit bureaus mentioned have failed to update my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: CA

Complaint narrative:
I am disputing the accuracy of account balance of my Federal XXXX  loans in regards to XXXX XXXX XXXX XXXX credit report. These loans were fully discharged as Paid in full and according to U.S Department of Education, this was reported to Equifax, Transunion and Experian on XX/XX/year>. The credit bureaus mentioned have failed to update my credit reports.

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 2025-08-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am reaching out to formally dispute a late payment entry that appears on my credit report. I have carefully reviewed my payment history, and I am confident that all payments were made on time during the period in question.

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 2025-08-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently discovered an inquiry on my credit report that I do not recognize. I did not authorize this company to access my credit report, nor did I apply for any services with them. This unauthorized inquiry is causing me significant stress and 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 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I submitted a request on XX/XX/year> to remove the judgment because the company is only showing the judgment, but its not looking at the latest judgment which was a vacation of the previous judgment.

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 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX ( XXXX ) XXXX Date : XX/XX/year> ________________________________________ XXXX XXXX  XXXX. XXXX XXXX XXXX, OH XXXX Subject : Request for Form 1099-C for Charged-Off Account To Whom It May Concern, I am writing to formally request a copy of Form 1099-C ( Cancellation of Debt ) related to a {$42.00} charge-off that XXXX XXXX  has reported on my credit file. This amount was disputed and added to the credit report during the dispute due to XXXX 's failure to add the credited amount to the card. 
The charge-off appears on my credit report, yet I have not received any Form 1099-C for tax purposes, nor have I been notified of the debt 's cancellation or any reporting to the IRS. 
Under IRS regulations, creditors who discharge or cancel a debt of {$600.00} or more are required to file Form 1099-C with the IRS and provide a copy to the debtor. While this amount may be below the {$600.00} threshold, if it was reported as charged-off or cancelled for any reason and reflected on my credit report, I am entitled to all documentation related to its cancellation and treatment. 
I am requesting that you promptly send me : XXXX. A copy of Form 1099-C, if XXXX  was issued. 
XXXX. Written clarification if no such form was issued and the reasoning behind it. 
XXXX. Confirmation that the debt was, in fact, cancelled or sold, and on what date. 
Please send your response to the mailing address listed above. If no cancellation occurred, I request that this charge-off be removed from my credit file and updated with the major credit reporting agencies to reflect the accurate status. 
Best, 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 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX ( XXXX ) XXXX Date : XX/XX/year> ________________________________________ XXXX Bank XXXX. XXXX XXXX XXXX, OH XXXX Subject : Request for Form 1099-C for Charged-Off Account To Whom It May Concern, I am writing to formally request a copy of Form 1099-C ( Cancellation of Debt ) related to a {$42.00} charge-off that XXXX XXXX  has reported on my credit file. This amount was disputed and added to the credit report during the dispute due to XXXX 's failure to add the credited amount to the card. 
The charge-off appears on my credit report, yet I have not received any Form 1099-C for tax purposes, nor have I been notified of the debt 's cancellation or any reporting to the IRS. 
Under IRS regulations, creditors who discharge or cancel a debt of {$600.00} or more are required to file Form 1099-C with the IRS and provide a copy to the debtor. While this amount may be below the {$600.00} threshold, if it was reported as charged-off or cancelled for any reason and reflected on my credit report, I am entitled to all documentation related to its cancellation and treatment. 
I am requesting that you promptly send me : XXXX. A copy of Form 1099-C, if XXXX was issued. 
XXXX. Written clarification if no such form was issued and the reasoning behind it. 
XXXX. Confirmation that the debt was, in fact, cancelled or sold, and on what date. 
Please send your response to the mailing address listed above. If no cancellation occurred, I request that this charge-off be removed from my credit file and updated with the major credit reporting agencies to reflect the accurate status. 
Best, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: MI

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Business Processing Solutions, LLC
State: MD

Complaint narrative:
I received a notice of debt collection from Professional Account Management regarding an unpaid Virginia toll. 

I am a registered XXXX XXXX user with payment methods on file. 

I have received NO notice of unpaid tolls. 

To my knowledge all tolls have been billed directly to account. 

Furthermore, I have NO agreement with the State of Virginia in ANY regards, and MOST CERTAINLY have NOT made ANY agreement to FUTURE SERVICES which would allow for any claim of unpaid " debt '' to be forwarded to a collection agency. 

This attempt at collection is illegal, Professional Account Management has NO RIGHT to have my information & the State of XXXX has NO RIGHT to send my information to a collection agency as they have NO AGREEMENT TO FUTURE SERVICES with me. 

I DEMAND that Professional Account Management CEASE AND DESIST ALL COLLECTION ACTIONS, REMOVE ANY AND ALL INFORMATION ON ME FROM THEIR SYSTEM, AND CEASE AND DESIST ALL CONTACT WITH ME IMMEDIATELY. 

I DEMAND That the State of XXXX FORWARD TO ME VIA CERITIFIED MAIL, ANY CLAIM OF UNPAID TOLLS for REVIEW.

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 2025-08-04 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: NY

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to XXXX XXXX Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc.
State: GA

Complaint narrative:
EASTERNACCOS is falsely reporting on my credit. I have never had any accounts with them. Per my research EASTERNACCOS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/year>, I was the victim of a scam by someone impersonating Cash App customer support. The individual contacted me claiming there was a security issue with my account. They used social engineering to mislead me into thinking I was speaking with legitimate support, and as a result, they gained access to my account and fraudulently withdrew a total of {$7700.00} across multiple transactions. 

I did not knowingly authorize these transfers. I was manipulated into trusting someone I believed to be a Cash App employee. I discovered the fraud on XX/XX/XXXX and immediately filed a dispute with Cash App, providing all relevant information and the following transaction IDs : XXXX XXXX XXXX XXXX XXXX Unfortunately, Cash App denied my dispute, stating I gave the scammer access to my funds. This is misleadingI did not intentionally authorize or enable the scammer to withdraw these funds. I was clearly targeted, deceived, and taken advantage of by someone pretending to be a trusted source. 

To document this formally, I have also filed a fraud report with the Federal Trade Commission, XXXX  XXXX : XXXX. 



Personal Impact : This is an incredibly unfortunate situation. As a single mother without financial support from my childs father, this money represented my savings and was essential to support myself and my child during difficult financial times. Having it stolen from me has caused extreme hardship. It is extremely important that these funds be returned, as they were obtained by fraud, and I did everything in my power to report the issue quickly and responsibly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past XXXX years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation