vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX XXXX XXXX XXXX XXXX XXXX  FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information. 
TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. 
Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am a victim of identity theft ( FTC Identity Theft Report # XXXX ) and discovered a fraudulent credit card account ( ending in XXXX ) opened by an unknown thief using my stolen Social Security number and personal information. 
On [ date of your original letter ], I sent a formal dispute to Elan XXXX XXXX with : Official FTC Identity Theft Report # XXXX Detailed explanation that I never opened, authorized, or used this account Demand for permanent deletion under FCRA 623 and 1681c-2 Elan XXXX XXXX responded on [ date of their response ] with Case Number XXXX, stating they " investigated '' and determined the account information is " accurate. '' This response demonstrates : Failure to conduct a reasonable investigation - They ignored the official FTC Identity Theft Report Willful non-compliance with federal law - Continuing to report known fraudulent information Violation of FCRA 623 ( a ) ( 1 ) ( A ) - Reporting information they know to be inaccurate Violation of 15 U.S.C. 1681c-2 ( a ) - Failure to delete fraudulent accounts upon receipt of FTC Identity Theft Report The account was opened in XX/XX/XXXX without my knowledge or consent, discovered XX/XX/XXXX, and has a {$0.00} balance. I have never benefited from, authorized, or used this account in any way.

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 2025-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello, I'm responding to the denial of a partial or full refund request from Wells Fargo bank for a purchase of a puppy from a company who is known ( apparently for some time ) to be fraudulent. Wells Fargo Case XXXX. CFPB case XXXX. I paid the fee for the puppy using XXXX pay which was tied to my Wells Fargo Debit card. I made two separate payments, one day apart, to purchase a puppy from XXXX MN. I live in CA so the puppy had to be flown in. 

My question is how can XXXX companies from the XXXX exist for years without some sort of warning to the consumer by the bank at the time of purchase? Had I known that either company was questionable, had the bank flagged either company in some sort of way, I would have NOT made the purchase. 

How can both these companies that prey on emotions still exist in the XXXX? I know I am not the first or last victim of this scam. Shouldn't a bank as large as Wells Fargo provide some sort of protection to the consumer? 

I contacted Wells Fargo right after I made the second payment of {$780.00}. A payment XXXX XXXX was requesting for renting a crate so the puppy could travel. XXXX XXXX was requesting more money for puppy insurance purposes. Fortunately, that's when I stopped. Otherwise, I would have paid out more money. I never received my puppy and I am out {$1400.00}. That's a LOT of money for a student. 

I understand a refund denial if I had paid cash but XXXX XXXX  is digital, digital and tied to my Wells Fargo Debit Card. Digital refunds are easily completed because they are mere numbers in a computer that can be changed in seconds. 

How is Wells Fargo protecting their customers from scams or fraud? I believe I am due a full or at least a partial refund from Wells Fargo because they failed to protect 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 2025-12-15 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: SC

Complaint narrative:
I am submitting this complaint to dispute inaccurate information on my TransUnion credit report. I am working to improve my credit and respectfully request that the following items be reviewed and corrected in compliance with the Fair Credit Reporting Act. 

Charged-Off Accounts I dispute the accuracy, balance, and reporting of the following charged-off account : XXXX XXXX XXXX Acct XXXX XXXX, Opened : XX/XX/XXXX, Balance : {$1400.00} Please validate this account or remove it if it can not be verified. 

Inquiries I dispute the following inquiry as unauthorized : XXXX XXXX Date : XX/XX/XXXX Please verify that this inquiry was authorized or remove it from my report. 

Late Payments I dispute the late payment reporting on the following account : XXXX XXXX Acct # XXXX This late payment should be reviewed for accuracy and corrected if necessary.

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 2025-12-15 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: IL

Complaint narrative:
I am a consumer attempting to correct inaccurate and unverifiable information appearing on my credit reports. I have reviewed my credit files and found multiple inconsistencies, inaccurate personal information, and accounts that are being reported without proper verification. I am requesting the CFPBs assistance to ensure compliance with the Fair Credit Reporting Act ( FCRA ). 



Personal Information Dispute TransUnion is reporting inconsistent dates and address data tied to my credit file, raising concerns about the reliability of the reporting. 

Charged-Off Accounts in Dispute ( TransUnion ) The following accounts are disputed for inconsistent opening dates, balances, and lack of proper validation : 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  The variations in opening dates across bureaus indicate that TransUnion can not verify the accuracy of this information as required by law.

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 2025-12-15 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: VA

Complaint narrative:
Dear Sir/Madam, I am filing this complaint regarding inaccurate reporting of the following accounts in my credit report. These items are affecting my credit score, and I believe they are not reported correctly under the Fair Credit Reporting Act ( FCRA ). Below are the details of the disputed accounts for each credit bureau : Charged Off Accounts : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: FL

Complaint narrative:
A collection account has been reported and continues to be reported on my consumer credit report by this company. The reporting of this account has negatively affected my credit profile. 

I disputed the accuracy of this account with the consumer reporting agencies in XXXX and again in XXXX. Despite these disputes, the company verified the account without providing documentation demonstrating legal ownership of the debt, an itemized accounting of the amount claimed, or proof of the original contractual obligation. 

The account shows no meaningful balance movement or payment activity, yet continues to be reported as a collection. The continued reporting of this unverified account suggests that the company is using credit reporting as a collection tool rather than conducting a reasonable investigation as required under federal law. 

I have taken steps to resolve this matter through the credit reporting agencies, but the responses have been generic and have not addressed the lack of verification. The ongoing reporting of this account has resulted in continued credit damage. 

I am requesting that this account be deleted from all consumer credit reports due to the companys inability to substantiate the accuracy and legal enforceability of the debt.

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 2025-12-15 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: FL

Complaint narrative:
Dear Sir/Madam, I am filing a dispute regarding the following accounts in my credit report with the credit bureaus. Please review the details below : Charged Off Accounts : 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 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 2025-12-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Westlake Services, LLC
State: CT

Complaint narrative:
On XX/XX/year>, I returned the vehicle to the dealer and executed a Mutual Cancellation Agreement rescinding the vehicle purchase and associated financing. Under this agreement, the dealer ( XXXX XXXX XXXX ) agreed to pay off the auto loan in full. 

Despite the rescission, Westlake Financial Services continues to bill me and demand payment on the loan. Westlake has not confirmed receipt of any payoff from the dealer and has not closed the account.

I attempted to contact Westlake Financial multiple times by phone to request information about the loan status and dealer payoff, but I was unable to reach a live representative or obtain any confirmation.

I am disputing the loan and requesting that Westlake place the account in dispute status, suspend billing and collection activity, prevent negative credit reporting, and coordinate with the dealer to complete the payoff and close the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: NY

Complaint narrative:
I have an account with Cash App. I use direct P2P money transfers, Cash App Debit Card, Savings Account, XXXX investing, and FINRA regulated stock trades. Recently one of these services have become unavailable : Stock Investing. I am no longer able to execute " buy '' or " sell '' orders on any of the stocks that are in my account.

I receive the following message " We ran into a hiccup. Please try again later. '' This has been going on for about a week. I have contacted Cash App Support numerous times and described the problem by phone and email. I have supplied a screen shot of the error, as well as a video while actually pressing the menu buttons ( person info obscured ). The video clearly shows me entering my ( obscured ) pin to make a successful money transfer, followed directly by attempting to make a stock trade, using the same ( obscured ) pin, which resulted in the aforementioned error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: PA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute several items listed on my Experian credit report. After reviewing my credit file, I found discrepancies that violate the Fair Credit Reporting Act ( FCRA ). I request that these inaccuracies be corrected immediately. 
Personal Information : Name : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Date of Birth : XX/XX/year> SSN : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1400.00} Date Opened : XXXX Discrepancy : The account is listed as " Unpaid balance reported as a loss by credit grantor, '' which does not reflect accurate payment history. This violates FCRA Section 1681e ( b ) regarding accurate reporting of credit information. 
XXXX. XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} Date Opened : XXXX Discrepancy : The account is marked as a " Charged off account '' and inaccurately reported. This violates FCRA Section 1681i for inaccurate and incomplete 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 2025-12-15 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: AZ

Complaint narrative:
Upon reviewing my credit report, I found certain collection and charge-off entries to be inaccurate, outdated, or unverifiable. Despite submitting disputes and providing supporting documentation, these accounts remain unverified and continue to negatively impact my credit.

Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full reinvestigation of these accounts. Any entry that can not be substantiated with accurate documentation must be removed immediately. Failure to comply may result in legal action to enforce my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: TN

Complaint narrative:
I am submitting this dispute regarding inaccuracies on my Experian credit report. I am actively working to fix my credit, and I respectfully request a review of the following items to ensure compliance with the Fair Credit Reporting Act.

Charged-Off Accounts I do not have any charged-off accounts to dispute for Experian at this time.

Inquiries I dispute the following inquiries as unauthorized or lacking proof of consent : XXXX XXXX  XXXX Date : XX/XX/year> XXXX XXXX XXXX Date : XX/XX/year> Please provide verification of authorization for these inquiries or remove them from my report.

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 2025-12-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I applied for a total permanent discharge because of being on permanent XXXX for my college loans in XXXX. I did all the paperwork, signed everything and waited the three year period. In XXXX, all of my school loans were discharged. They then were reinstated for reasons no one seems to know. I am still on permanent disability and need these loans to be discharged as per the documents I submitted and waited for the three year period. I never received any documentation from Nelnet or any loan services explaining the reinstatement. The school when I was enrolled was called XXXX XXXX in XXXX. It is now for whatever reason, XXXX XXXX  and is in XXXX. I have also been told by another school in Texas that XXXX is not an accredited school now. Please help me to do what I must to move forward and rectify this collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: AZ

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-12-15 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: HI

Complaint narrative:
I AM FILING A COMPLAINT BECAUSE MY CREDITOR IS REPORTING LATE PAYMENTS ON MY ACCOUNT, WHICH ARE INACCURATE AND NOT PROPERLY VERIFIED. I'M ALSO COMPLAINING ABOUT THE CREDITORS THAT KEEP HARRASING ME AND MY FAMILY WITH CALLS AT ANYTIME OF THE DAY AND NIGHT. HAVE DISPUTED THIS DIRECTLY WITH THE CREDIT BUREAUS AND THE FURNITURE. STILL, THE LATE PAYMENTS REMAIN WITHOUT PROPER VALIDATION OR DOCUMENTATION UNDER 15USC 1681 S 2 A FURNTURE MUST REPORT ACCURATE INFORMATION UNDER 1681 I THE CREDIT BUREAUS MUST PERFORM A REASONABLE INVESTIGATION WITHIN 30 DAYS. NEITHER OF THEM HAS PROVIDED SUFFICIENT EVIDENCE TO SUPPORT THE NEGATIVE 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 2025-12-15 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: AL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever XXXX is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-12-15 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: AL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever XXXX is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief