vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-19 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: WI

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 there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Johnson Mark LLC
State: AZ

Complaint narrative:
My wages were being garnished to satisfy a debt related to a XXXX XXXXXXXX XXXX credit card. According to court records and payment history, the debt was satisfied XXXX XXXX XXXX in full with {$92.00} overpayment. However, the collection law firm, Johnson Mark LLC, continued garnishing my wages on XXXX XXXX XXXX and XXXX XXXX XXXX after the debt had already been paid in full which resulted in a {$590.00} overpayment.

A release of garnishment was filed on or around XXXX XXXX XXXX, and court records reflect garnishment should have ended. Despite this, Johnson Mark LLC did not stop collection in time and failed to send the overpayment back to me. My wife and I have made several phone calls and sent emails starting in XXXX XXXX XXXX in an attempt to resolve the issue. During this time, employees at Johnson Mark LLC repeatedly deflected responsibility by : Claiming XXXX or my employer needed to confirm overpayment, despite both entities clearly stating they could not provide such proof due to policy and no longer held the funds. 
Refused to issue any written confirmation of actions taken or being taken. 
Providing inconsistent and conflicting explanations with every call. 
Refused to provide a direct email or contact for their garnishment or accounting department. 

As of XXXX XXXX XXXX, during my call, I was told the checks were mailed out XXXX XXXX XXXX, and will receive them via USPS in 5-8 business days. The checks were received XXXX XXXX XXXX totaling {$500.00} and they were also the original checks payable to Johnson Mark LLC, making them legally unusable to me without them endorsing the checks. 

Upon seeing this my wife made another phone call to Johnson Mark LLC to address the issues. During this phone call the employees told her she needed to reach out to my employer and when she let them know that was incorrect, she was transferred to a supervisor. The supervisor asked for more time to resolve the matter and requested us to call back XXXX XXXX XXXX with no clarity of a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/year> Westlake Financial Services Attn : Credit Reporting Department XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : Account No. XXXX Reporting Discrepancy To Whom It May Concern : On XX/XX/year>, I submitted a payment of {$3200.00} per our agreement, which clearly stated that once paid, Westlake would report the account as " Account Paid in Full for Less than Full Balance. '' However, this account is currently being reported as a charge-off, which contradicts the written settlement terms. This misrepresentation is negatively affecting my credit profile.

Please correct this with all credit reporting agencies within 15 days. I have attached a copy of the original settlement offer and my payment confirmation for your review.

If this is not corrected promptly, I will escalate the issue to the Consumer Financial Protection Bureau ( CFPB ), the XXXX XXXX XXXX ( XXXX  ), and seek legal assistance if necessary. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Subject : Dispute of XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) To Whom It May Concern, I'm writing to dispute the accuracy of an account on my credit report from XXXX XXXX XXXX ( for XXXX XXXX ). After reviewing my credit reports, I've noticed multiple issues with how this account is being reported across the bureaus, and I believe these problems violate the Fair Credit Reporting Act ( FCRA ). 

Here are the specific concerns : 1. False Date of Last Activity Likely Re-Aging The account is showing a Date of Last Activity as XX/XX/XXXX, even though the account opened in XX/XX/XXXX, and I havent had any activity or made any payments since then. 
That date doesnt make sense and it appears the account is being re-aged, which could cause it to stay on my report longer than the 7-year limit. 
This goes against FCRA 1681c ( a ) ( 4 ), which says negative accounts cant be reported more than seven years after the actual first delinquency. 

2. Inconsistent Reporting Across Bureaus The account is reported differently depending on the bureau : One bureau lists it as a Collection Account, another calls it an Open Account The payment statuses vary one says Unpaid, another says Seriously past due, and one doesnt show anything at all Dates like last payment or date last active are missing or dont match These inconsistencies are concerning and dont reflect accurate or reliable reporting. 
Under FCRA 1681e ( b ), credit bureaus are required to use reasonable procedures to make sure that what they report is complete and accurate. This doesnt meet that standard. 

3. Missing or Incomplete Account Information In some reports, critical fields like last payment date, account status, or payment history are blank or not provided. 
If the data cant be reported in full, then it shouldnt be on my file at all.

This may violate FCRA 1681i ( a ), which protects consumers from having incomplete or unverifiable information on their reports.

4. Failure to Correct or Remove Errors After Dispute ( if applicable ) If this information has been previously disputed or once this letter is received the data furnisher and the credit bureau are required to do a proper investigation and correct or delete anything they cant verify.

This is required under FCRA 1681s-2 ( b ). If no supporting records can confirm the accuracy of this tradeline, it should be removed.

What Im Requesting : Im asking that you : Open a full investigation into this account Provide written verification of the information ( such as the original delinquency date, proof of payment activity, or a detailed account history ) Delete or correct the tradeline if it cant be fully verified Send me a letter confirming the results of your investigation and an updated copy of my credit report Thank you for your time and attention. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-07-19 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: FL

Complaint narrative:
I am submitting this complaint because Equifax, Experian, and TransUnion have failed to properly investigate the disputes I filed regarding inaccurate and negative entries on my credit report. These errors have unfairly lowered my credit score and restricted my ability to obtain credit, resulting in ongoing stress and financial difficulty.

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 2025-07-19 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 am submitting this complaint because Equifax, Experian, and TransUnion have failed to properly investigate the disputes I filed regarding inaccurate and negative entries on my credit report. These errors have unfairly lowered my credit score and restricted my ability to obtain credit, resulting in ongoing stress and financial difficulty.

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 2025-07-19 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-07-19 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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I applied for an American Express XXXX XXXX in XX/XX/2025 under the offer of earning up to XXXX Membership Rewards points after spending {$6000.00} in the first 6 months. I met this requirement almost immediately, spending over {$6400.00} within the first month ( XXXXXXXX XXXX  ). Despite this, my welcome bonus points have still not been credited, months later. 

I have contacted American Express numerous times via phone and chat ( documented conversations from XXXXXXXX XXXX XXXX XXXX ). Each time, I was told the issue was under investigation or that I needed to wait XXXX weeks. However, this time frame has long passed, and the points remain missing. Supervisors have acknowledged that I met the spending threshold, but no resolution has been provided. 

This has been a months-long runaround, during which I have been forced to repeatedly chase the bonus I was promised. I have even requested bill adjustments or compensation for the delays, which were also denied despite Amex admitting the delay is due to internal issues. 

This is a breach of the welcome bonus terms and misleading to customers. I am requesting : 1. Immediate credit of my full welcome bonus points.

2. Additional goodwill points or compensation for the extended delay and inconvenience. 

If this issue is not resolved, I will escalate further, as this conduct appears deceptive and unacceptable for a company of this size.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
Navy Federal is reporting a charge-off account to my credit reporting agencies with both a " charge-off '' status and a " past due balance, '' which is factually and legally inaccurate. According to XXXX XXXX reporting guidelines, once an account is charged off, the balance shall be updated to XXXX  and there shall be no concurrent past-due balance reported, doing so misrepresents the actual status of the account. This reporting practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires furnishers and credit reporting agencies to ensure that all reported information is as accurate and truthful as possible. I submitted a dispute through the credit reporting agency explicitly stating these violations and requesting deletion of the account. Navy Federal responded by simply verifying the tradeline without addressing the legal contradiction or the specific inaccuracies raised. This constitutes a failure to conduct a reasonable investigation as required under FCRA 1681s-2 ( b ). By continuing to furnish information that is both misleading and damaging to my credit report, Navy Federal is in willful noncompliance with the FCRA and is harming my consumer file and credit standing. I will pursue a jury trial in U.S. District Court, if needed, due to a violation of my rights. This shall be resolved immediately. See Article 8 of the UDH, which states " everyone has the right to an effective remedy by the competent national tribunals for acts violating the fundamental rights granted him by the constitution or by law. '' You are violating my right to privacy by continuing to report this inaccurate information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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:
This letter is a formal request to correct a reported late payment that is not consistent with my history of on-time payments. I have always prioritized fulfilling my financial obligations and believe this late payment was recorded in error.

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 2025-07-19 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: NC

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 there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-18 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: GA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company response to consumer: Closed with non-monetary relief