vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-11 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 a formal complaint regarding inaccurate and unauthorized items appearing on my credit report. I have not received proper validation of this debt. I do not believe the amount is accurate. I request a full investigation and removal of this item if it can not be substantiated with full documentation and proof of ownership XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4700.00} XXXX AXXXX XXXX XXXX XXXX XXXX Balance Owed : {$70.00} XXXXXXXX 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 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I am submitting this complaint because I am a victim of identity theft. Fraudulent accounts were opened in my name without my knowledge or consent with the following institutions : XXXX  XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX. 

As a result of this identity theft, ChexSystems is reporting inaccurate and fraudulent information on my consumer file under XXXX ID : XXXX. This has caused me significant harm, including being denied access to basic banking services. 

I have filed a formal identity theft report with the Federal Trade Commission ( FTC ), and I have submitted a written demand to ChexSystems under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, requesting the immediate removal of the fraudulent data. Despite fulfilling all legal requirements, the inaccurate information remains on my file. 

This is a formal request for the CFPB to ensure ChexSystems will comply with the FCRA and to take appropriate regulatory action to ensure the fraudulent accounts and related information are permanently deleted from my report without delay.

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 2025-07-11 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: SC

Complaint narrative:
Please assist me in launching an investigation regarding these accounts, as they appear to be inaccurately reported on my credit file. In line with USC 1681g, I am requesting their removal within the next 15 days. Enclosed are the necessary documents for your review. I would also like to point out that the information reported by the credit bureaus is conflicting and contains errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I filed formal disputes with the credit bureau concerning inaccurate and unverifiable accounts on my credit report.

Under the Fair Credit Reporting Act ( FCRA 611 ( a ) ), the bureau is required to conduct a reasonable reinvestigation within 30 days, consult with the original furnishers, and provide me with written verification or remove the information if it is unverifiable.

Instead, the bureau appears to rely on automated systems ( such as eOSCAR ) without requesting or reviewing original source documents, in violation of its duty to maintain maximum possible accuracy under FCRA 607 ( b ) / 15 U.S.C. 1681e ( b ). 
The XXXX XX/XX/2025 enforcement action against Equifax ( resulting in a {$15.00} million penalty ) confirms that these automated or superficial checks do not meet the reinvestigation requirements of the law.

I requested detailed information about their reinvestigation process and copies of any verification or certification they obtained from the furnishers. They failed to provide this documentation and have continued reporting the disputed items without proof. 

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 2025-07-11 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., I have the right to dispute inaccurate, incomplete, or unverifiable information on my credit report. Once a dispute is submitted, credit reporting agencies and data furnishers ( creditors ) are legally required under 15 U.S.C. 1681i and 1681s-2 ( b ) to conduct a reasonable investigation and delete or correct any information found to be inaccurate or unverifiable within 30 days.

Despite following proper dispute procedures with the credit bureaus and the data furnishers, the inaccurate information remains on my credit reports. This is a direct violation of my consumer rights under the FCRA. Specifically : The accounts in question are factually incorrect and/or unverifiable, and therefore must be deleted from my credit reports per 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

The data furnishers have continued to report this incorrect information without providing proper investigation or verification, in violation of 15 U.S.C. 1681s-2 ( b ).

I am requesting that the CFPB investigate this matter and take enforcement action, if necessary, to ensure that the involved creditors and credit bureaus are held accountable. I am also formally requesting deletion of the inaccurate accounts from all three credit reporting agencies as they are either not verified, outdated, or incorrect.

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 2025-07-11 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX Phone : XXXX Email : XXXX Date : XX/XX/2025 To : Experian XXXX XXXX XXXX  XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Negative Reporting by XXXX XXXX Violation of the FCRA To Whom It May Concern, I am writing to formally dispute a negative item reported by XXXX XXXX XXXX on my Experian credit report. The account is being reported with a late payment, which I assert is both inaccurate and unlawfully reported. 

It is my belief and information that XXXX XXXX does not have lawful authority to report any derogatory or negative information on my credit file. This reporting is in violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s-2, which requires furnishers of information to report only complete and accurate information and prohibits them from reporting data without a legal basis. 

If XXXX XXXX is unable to provide documented proof of my agreement to such reporting and can not validate the accuracy of the reported late payment, this item must be immediately deleted from my credit file. Furthermore, if this item is part of a private contractual arrangement or otherwise disputed, reporting it may further violate my consumer rights. 

Under 15 U.S.C. 1681i ( a ), I am requesting that Experian conduct a reasonable investigation and respond to this dispute within 30 days. I also request an updated copy of my credit report showing the results of the investigation. 

If additional information is needed to complete this dispute, you may contact me directly. 

Thank you for your time and attention to this matter. 

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 2025-07-11 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX Phone : XXXX Email : XXXX Date : XX/XX/2025 To : Experian XXXX XXXX XXXX  XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Negative Reporting by XXXX XXXX Violation of the FCRA To Whom It May Concern, I am writing to formally dispute a negative item reported by XXXX XXXX XXXX on my Experian credit report. The account is being reported with a late payment, which I assert is both inaccurate and unlawfully reported. 

It is my belief and information that XXXX XXXX does not have lawful authority to report any derogatory or negative information on my credit file. This reporting is in violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s-2, which requires furnishers of information to report only complete and accurate information and prohibits them from reporting data without a legal basis. 

If XXXX XXXX is unable to provide documented proof of my agreement to such reporting and can not validate the accuracy of the reported late payment, this item must be immediately deleted from my credit file. Furthermore, if this item is part of a private contractual arrangement or otherwise disputed, reporting it may further violate my consumer rights. 

Under 15 U.S.C. 1681i ( a ), I am requesting that Experian conduct a reasonable investigation and respond to this dispute within 30 days. I also request an updated copy of my credit report showing the results of the investigation. 

If additional information is needed to complete this dispute, you may contact me directly. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: AR

Complaint narrative:
The information contained in these reports is incorrect. I have attached copies of the letters previously sent to each credit bureau. I have disputed these items multiple times and have also filed an identity theft report. 

Unfortunately, there was no option available to select multiple errors during the dispute process. In step 3 of this complaint, I selected one of the issues and am detailing the remaining concerns here.

Specifically, there is inaccurate information being reported, as well as unknown and unauthorized inquiries listed on my report. Additionally, I have requested supporting documentation related to these accounts and inquiries, but have not yet received a response. 

I appreciate your prompt attention to these matters and look forward to resolving them as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: TX

Complaint narrative:
These following are the fraudulent inquires that should be removed from my credit report asap : XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXXF XXXX ( XXXX  ), XX/XX/XXXX XXXX XXXX ( XXXX ), XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Johnson Mark LLC
State: UT

Complaint narrative:
In XX/XX/XXXX, over {$8200.00} was garnished from my XXXX savings account by Johnson Mark LLC under Case No. XXXX. This action occurred without any prior notice of a judgment, hearing, or garnishment order. 

According to Johnson Mark LLC account, I was served in early XXXX. However, I never received notification of a court date, judgment, or the opportunity to appear and defend myself. I also never received notice of my right to contest the garnishment or claim exemptions as required under both Utah law and the Fair Debt Collection Practices Act ( FDCPA ). 

A five-year lapse in communication from XXXX to XXXX constitutes a serious denial of due process. The garnishment was carried out without proper legal notice and without fulfilling the legal obligations to inform the consumer. When I contacted Johnson Mark for clarification, they refused to provide documentation regarding the court hearing, service of process, or garnishment order. 

This lack of transparency and failure to notify me has resulted in a significant financial loss and undermines the fairness of the legal process. I am requesting that the CFPB investigate this debt collection and garnishment activity for violations of federal law and take enforcement action if necessary

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: FL

Complaint narrative:
In sum, On XX/XX/XXXX, I was approved for the Negative Amortization Plan with a monthly payment of {$40.00}. For the past year, Mohela failed to update and correct this information in their system. I have made multiple calls to Mohela in attempts to resolve this matter to no avail. During this time, I have been placed on multiple Administrative & Processing Forbearances. Most recently, on XX/XX/XXXX, I was informed that I was placed under The Level Plan/Standard Repayment Plan with a monthly payment of {$830.00}. I had no knowledge of this and did not consent to this plan. I was also advised that the plan that I was initially approved for has expired and I will need to reapply. Mohela is refusing to honor the plan in which I was initially approved for and could afford. 

Mohela has also reported incorrect/inaccurate information to the XXXX credit bureaus which has created a negative impact on my credit. I have not made any monthly payments to Mohela in the amount of {$830.00}. 

On XX/XX/XXXX, I spoke with XXXX # XXXX ( XXXX from the XXXX Department ) on a recorded line. She acknowledged the approved plan dating back to XX/XX/XXXX for {$40.00} per month. I requested to be provided with a brief letter for a personal matter, stating that my monthly payments will be {$40.00} per month under the Negative Amortization Plan/Alternative Repayment Plan. XXXX also stated that this matter will be escalated and placed for re-processing. I was further advised to follow-up with this case within XXXX business days. 

On XX/XX/XXXX, Mohela provided me with a letter stating that my current payment is {$830.00} per month under the Standard Repayment Plan. Again, Mohela is refusing to resolve this matter. This letter will not assist me in getting my information corrected with the credit bureaus and other personal matters that I need to take care of. 

Mohela 's provides poor customer service, the wait time to speak with a representative is too long, the representatives and Supervisors do not properly explain payment plans so that one can fully understand the terms. Mohela 's business practice is shady at best. They fail to process paperwork in a timely and accurate manner. Overall, I feel that Mohela has mislead me regarding my repayment plan and is now refusing to honor the plan and amount in which I was initially approved for.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-11 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: WA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax Information Services LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Unauthorized Reinsertion of XXXX XXXX XXXX XXXX  To Whom It May Concern, I am writing to formally dispute a collection account reported by XXXX XXXX XXXXXXXX XXXX has been reinserted on my credit file without proper notification, which is a direct violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i ( a ) ( 5 ) ( B ). 

Back in XXXX of XXXX, this same collection account was reported without proper notice and was removed. It is now evident that XXXX XXXX XXXX has willfully disregarded the law by re-reporting this same account without providing the required written notice within XXXX business days of reinsertion, as mandated by the FCRA. The account in question is as follows : Account Number : XXXX XXXX XXXX- XXXX As a consumer reporting agency, it is Equifaxs legal obligation under 15 U.S. Code 1681i ( a ) to ensure maximum possible accuracy of the information contained in a consumers file. This responsibility includes verifying that any reinsertion of previously deleted information follows proper procedures and that the consumer is notified accordingly. 

If XXXX XXXX XXXX can not provide documented proof a certified mail receipt with my signature confirming that I received proper notification and had the opportunity to dispute this debt, then this account must be removed from my credit report immediately. Furthermore, all collection efforts must cease at once. 

I am demanding that Equifax aggressively investigate and resolve this matter without delay, as this is now the second time this account has been wrongfully reported without adherence to proper notification requirements. Due to the negligence demonstrated by both XXXX XXXX XXXX and TransUnion in following federally mandated reporting procedures, removal of this collection is mandatory. 

Please send me written confirmation within 15 days that this account has been deleted from my credit report and that XXXX XXXX XXXX has ceased any and all collection activities related to this account. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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 am respectfully requesting the correction of a late payment currently listed on my credit report. This entry does not align with my payment records, which show that the payment was made on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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 my credit report and noticed a late payment entry that I believe was reported in error. I take my financial commitments seriously and have consistently demonstrated a reliable payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
* Reason for the dispute * I have been trying to work with XXXXXXXX XXXX  about fraudulent transactions. The XXXXXXXX XXXX representative was not very helpful. I informed them that I had many transactions on my credit card, and I dont recognize them. XXXXXXXX XXXX customer service told me they couldnt verify my identity because they didnt have my name. They later said my address has an apartment number. I told them no, but they said if I cant give them an apt number and name on the account, they cant help me because their account that uses my credit card had different information from what I was telling them. XXXXXXXX XXXXXXXX did give me back credit for XXXX, but not the full amount. I dont have an account with XXXX XXXX and never permitted anyone to open an account. That credit card I had replaced it with a new account, so hopefully, no more transactions will happen. XXXXXXXX XXXX XXXX  gives me a temporary credit during the investigation and returns the money. XXXX is the old credit card with the last four numbers of fraudulent transactions. I did file a fraud report with the Credit Card company, XXXX POST DATE XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> AMOUNT {$27.00} {$40.00} {$38.00} {$49.00} {$75.00} {$39.00} {$51.00} {$26.00} {$45.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required.

Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face 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