vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-15 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Westlake Services, LLC
State: WV

Complaint narrative:
I am writing to formally dispute the reporting of late payments on my credit report for Westlake Management, Account numberXXXX. The creditor had previously assured me that upon bringing my account current, all past-due marks would be removed from my credit report. However, despite fulfilling my end of the agreement, the late payments remain on my credit history.

On XXXX XXXX XXXX I was informed by XXXX on a recorded line, that if I paid the past due amount of XXXX, the company would remove any late payment notations from my credit report. I honored this agreement and have attached proof of payment for reference. However, these late payments continue to negatively impact my credit score. I believe this is both deceptive and unfair, as I was misled into making a payment under false pretenses. 

As this is a breach of the agreement made by the creditor, I am requesting the Consumer Financial Protection Bureau to investigate this matter and ensure that the agreed-upon corrections are made to my credit report. Additionally, I ask that any inaccurate negative marks be removed in accordance with the Fair Credit Reporting Act ( FCRA ) I made multiple attempts to seek payment assistance from this company due to financial hardship caused by unemployment during the Covid 19-pandemic, but my requests went unanswered. Despite my efforts to communicate and find a resolution, I received no response. 

I will be attaching payment confirmation, e-mails I have sent the creditor in regards to the agreement, the date and time of the telephone call. 

Please investigate this matter and provide guidance on the necessary steps to have the late payments removed. I appreciate your prompt attention to this issue and look forward to the response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Started XXXX XXXX Called ID Wells Fargo XXXX XXXX XXXX from the fraud Depatments wanted to know if I just made a charge to XXXX XXXX ( don't remember the state but back east ) for {$400.00} I said no. We called Wells Fargo Bank they said wasn't them but that number was one of there banks in XXXX Utah. 
Same date at XXXX another call from Wells Fargo Bank XXXX it was XXXX XXXX again calling both calls came in on my business phone, I told her to call me back on my cell phone so I could hear her better ( my cell # XXXX ) and she did. Asking me questions about my credit and debit cards which she gave me my card numbers first they were right on. Then told she would contact me the next day and it would only be her no one else for security. 
XX/XX/scrub>XXXX another call from Wells Fargo XXXX this time a male XXXX XXXX ( XXXX XXXX XXXX ) asked me about more charges from my credit card which I denied. He sounded phoney so I started asking him questions which he answered wrong and he hung up. 
XX/XX/scrub>XXXX XXXX Wells Fargo XXXX it was this XXXX XXXX again and I hung up on him. 
XX/XX/scrub>XXXX XXXX Wells Fargo XXXX same caller I just started giving him a bunch of crazy wrong answers he hangs up again. 
XX/XX/year> XXXX Wells Fargo XXXX this time it was XXXX XXXX XXXX Indian/ Pilipino voice ) XXXX states she's from the fraud department starts asking more questions, which I keep giving out the wrong answers, like your family mostly lives in Montana which XXXX answer all of them do which they didn't. Then I told her I fly back to Montana for 5 days then fly back to California for 2 days ( just crazy answers ) and she hangs up. 
XX/XX/year> XXXX Spam Risk call XXXX XXXX ( didn't get the XXXX number ) said they were from Wells Fargo Fraud and it was that XXXX XXXX guy again. We just hung up the phone. Then again at XXXX same number we hung up the phone. Then again at XXXX same number we hang up again. 
XX/XX/scrub>XXXX XXXX Wells Fargo XXXX this time XXXX XXXX XXXX XXXX Wells Fargo same thing talked a little bit and hung up. 
One and only name on the charges made was XXXX XXXX and it was for {$6900.00}. then I get a notice that my business XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX has a new owner myself XXXX, add XXXX XXXX - Owners this came from XXXX XXXX. I guess they are trying to do something to my business.

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 2025-03-15 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: DC

Complaint narrative:
A false hard inquiry was made on my credit report. XXXX  XXXX proved the inquiry was false and not me but it is still on all XXXX bureaus.

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 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
FERPA ( Family Educational Rights and Privacy Act ) : In the U.S., FERPA protects the privacy of student education records, including financial information related to student loans. Unauthorized access to these records can result in legal consequences, including fines or loss of access to federal funding for institutions that do not comply. Data Privacy Regulations : Depending on the jurisdiction, unauthorized access to financial data may also violate data privacy laws, such as the GDPR ( General Data Protection Regulation ) in the XXXX, which protects personal data from unauthorized access, or similar regulations in other countries. Breach of Confidentiality : If the person accessing the loans is an employee or contractor of an organization ( such as a financial institution or educational institution ), doing so without permission could also violate confidentiality agreements, potentially leading to disciplinary action or legal consequences.

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 2025-03-15 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2025-03-15 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: Block, Inc.
State: TN

Complaint narrative:
I received a letter in the mail on XX/XX/year> from cashapp. When I opened the letter I found a credit card with my name on it even though I never applied for it. I called cashapp today to inquire about it and they asked me to verify my username, it did not match the cashtag printed on the front of the card. They sent an email to me and I followed the steps to close the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX i sent my original dispite letter U verified and updated it and it still shows inaccurate info I will show u the original credit report from the first dispute and down below and the second report u verified and updated which still has inaccuracies on it coordingly, as per the FCRA you were required to conduct a reasonable investigation and correct or delete the disputed information as I requested before the end of the 30-day period of t n which you received my dispute letter on XXXX XXXX had 30 days to fix this and it's still inaccuracies after the reinvestagation your time to verify has expired i demand deletion of the late payment and I demand u send me XXXX check in mail XXXX XXXX XXXX XXXX XXXXXXXX XXXX for violation of my consumer rights or instead of giving me XXXX in mail just reinstate my account on both of my XXXX accounts and increase the limit by XXXX but either way removed the late payment or l will take legal action accouts name XXXX accounts number XXXX please cfpb help

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 2025-03-15 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
account number XXXX Synchrony Bank, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Debt Validation Request Pursuant to 15 U.S. Code 1692g Dear Synchrony Bank , I recently received a notice regarding an alleged debt associated with account number XXXX. Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692g, I am exercising my right to request validation of this debt before proceeding further. 

Please provide the following information : The name and address of the original creditor, if different from Synchrony Bank. 
A detailed breakdown of the debt amount, including the principal balance, interest, fees, and any other charges. 
A copy of the original contract or agreement that legally obligates me to this debt.

Verification that your agency has the legal authority to collect on this debt. 
Any relevant documentation proving that I am responsible for this debt. 
Until I receive the requested validation, I dispute the validity of this debt and request that all collection activities, including credit bureau reporting, be suspended as required by law. 

Additionally, I request that all future communication regarding this matter be in writing only. 

I appreciate your prompt attention to this request and expect a response within the legally required timeframe. 

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 non-monetary relief
Consumer complaint received 2025-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Payward Ventures Inc. dba Kraken
State: NY

Complaint narrative:
Kraken has held my crypto currency assets on the account for months and despite over 100 emails and reddit messages, has claimed they are working on a resolution for months. 

No matter how many times I reach out, they say the same thing and my crypto currency assets are still stuck on their platform, unable to be withdrawn.

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 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to notify you of Fair Credit Reporting Act ( FCRA ) violations on my credit report and to request the immediate correction of these errors. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: NM

Complaint narrative:
i am a victim of the equifax data breach, someone has used my identity to obtain goods and services.

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 2025-03-15 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: TX

Complaint narrative:
I am writing regardinga dispute I filed on XX/XX/XXXX concerning negative items reported on my credit reports by Equifax, TransUnion and Experian. As of today, I have yet to receive confirmation that these items 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 non-monetary relief
Consumer complaint received 2025-03-15 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 recently reviewed a copy on my credit report and noticed I have fraudulent accounts on my report, please remove these accounts from my report, they are hurting my ability to obtain credit. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Trans Union LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Tran Union LLC, I recently received a copy of my credit report, and I noticed some late payments posted on my credit report : List of the Name of the accounts. 
STUDENT LOANS DEPTEDXXXX Reported : XXXX XXXX, XXXX + {$2100.00} Needs Attention DEPTEDXXXX  Reported : XXXX XXXX, XXXX + {$1600.00} Needs Attention DEPTEDXXXX Reported : XXXX XXXX, XXXX + {$1000.00} Needs Attention DEPTEDXXXX Reported : XXXX XXXX, XXXX + {$1800.00} Needs Attention DEPTEDXXXX  Reported : XXXX XXXX, XXXX + {$1800.00} Needs Attention DEPTEDXXXX  Reported : XXXX XXXX, XXXX + {$1100.00} Needs Attention DEPTEDXXXX Reported : XXXX XXXX, XXXX + {$3700.00} Needs Attention DEPTEDXXXX Reported : XXXX XXXX, XXXX + {$2100.00} Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph
( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my c
onsumer report, this agency is in violation of 15 USC 1681.

Page 35 | 43 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 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: AMERICAN INTERNET MORTGAGE
State: NY

Complaint narrative:
AIM added my name to a loan without my knowledge or verifying my signature. 

Property address : XXXX XXXX XXXX XXXX XXXX XXXX 

I discovered the fraud last year and reported it to the court in XXXX, XXXX XXXX XXXX then collaborated with XXXX to seize the property. XXXX brokers are in this house now attempting to sell it/flip quickly to an innocent buyer to profit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: FL

Complaint narrative:
The following inquiries do not belong to me, i did not authorised these inquiries : 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/year>

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 2025-03-15 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: CA

Complaint narrative:
Subject : Formal Dispute or Inaccurate Information on My Credit Report Dear Credit Reporting Agency ( s ) : I am writing to formally dispute inaccurate information on my credit report that I believe harms my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as federal law requires. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against the credit reporting agencies for its failure to properly investigate consumer disputes, citing sham investigations and/or other unlawful practices. These practices, as outlined by the CFPD, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit repairs. I am deeply concerned that my dispute may be mishandled similarly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc.
State: AZ

Complaint narrative:
I had applied for the kickoff credit but I never gave any money. You are not given money you have to load the card with your own money. I never used there service other than applying. They are reporting me as being late and reporting a charge off. There is XXXX balance so can't be late if there is nothing to pay so can't be late and can't charge off a XXXX balance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: MI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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