vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Johnson Mark LLC
State: AZ

Complaint narrative:
I received a letter from Johnson Mark LLC stating I owe {$3900.00} to them. I have never applied for or opened an account with Johnson Mark LLC nor have I given permission to them to use any of my personal information to open an account.

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 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing 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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
Subject : Formal Complaint Identity Theft and Unauthorized Reporting FCRA 609 ( a ) and 611 ( a ) Violations ChexSystems, Inc.

Dear CFPB Investigator, I am filing this formal complaint against ChexSystems , Inc. for multiple violations of the Fair Credit Reporting Act ( FCRA ), specifically concerning their reporting of inaccurate, unauthorized, and unverifiable account information. 

Despite having no knowledge, authorization, or association with any negative banking history reported, ChexSystems has included false and damaging information on my consumer file, negatively impacting my ability to establish banking relationships and causing harm to my financial standing. 

Under FCRA 609 ( a ), I have the right to receive a complete and accurate disclosure of the information in my consumer file.

Under FCRA 611 ( a ), I have the right to dispute inaccurate information and have unverifiable data permanently removed.

ChexSystems has failed to properly reinvestigate or remove erroneous information after being notified, and continues to report inaccurate records in violation of federal law.

* * Nature of the Dispute : * * - Fraudulent and/or unauthorized accounts or entries are being reported against me.

- I am a victim of identity theft and have no knowledge or relationship with any accounts that may appear linked to my ChexSystems profile.

- I have never authorized the reporting financial institutions to submit negative information under my Social Security Number or personal identifiers. 
- ChexSystems has failed to perform reasonable investigations or provide verification of the disputed entries. 

* * Relief Requested : * * - Immediate and permanent deletion of all unauthorized and unverifiable accounts and derogatory records from my ChexSystems consumer report.

- Issuance of an updated and corrected consumer report reflecting the deletions.

- Formal enforcement action against ChexSystems for their willful violations of FCRA 609 ( a ), 611 ( a ), and UDAAP regulations under Dodd-Frank .

Attached are : - My government-issued driver 's license - My Social Security card - Proof of my current address Should
ChexSystems fail to comply fully, I reserve my right to pursue private right of action remedies under FCRA 616 and 617 for actual and punitive damages. 

Thank you for your immediate handling of this matter.

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 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I am asking for a full and thorough RE-INVESTIGATION FOR ANY AND ALL INACCURACIES AND DISCREPANCIES IN THE FOLLOWING ACCOUNTS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: NV

Complaint narrative:
Someone got a apartment in my name i never live in Alabama but some how someone was able to get a apartment in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: TX

Complaint narrative:
I am filing this complaint because Experian is inaccurately reporting a student loan collection account from XXXX ( Account # XXXX ) on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 

I previously submitted a formal dispute to Experian on or about XX/XX/year>. Despite my dispute clearly raising concerns about the validity of this tradeline, Experian failed to properly verify the information. Instead, Experian allowed the furnisher to " certify '' the information without providing the original, wet-ink signed Master Promissory Note ( MPN ) establishing a valid, enforceable obligation in my name.

Under federal law, a credit reporting agency must not simply accept a furnishers word when a dispute challenges the existence or enforceability of a debt. Experian was required to conduct a reasonable reinvestigation and ensure maximum possible accuracy under the FCRA, which it failed to do. 

XXXX failure violates the following federal laws : FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : Failure to ensure maximum possible accuracy.

FCRA 611 ( 15 U.S.C. 1681i ) : Failure to conduct a reasonable reinvestigation.

FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ( a ) ) : Furnishing and reporting information known or reasonably known to be inaccurate. 

Metro 2 / CDIA Compliance Failure : Inaccurate and unverifiable tradeline furnishing in violation of industry standards. 

Higher Education Act ( 20 U.S.C. 1080a ( c ) ( 2 ) ( A ) ) : Consolidated federal student loans must not continue to be reported as delinquent or in collection.

I am requesting the CFPB 's assistance to compel Experian to : Permanently delete the inaccurate XXXX collection tradeline. 

Confirm the deletion in writing. 

If Experian fails to correct this error, I reserve my rights to pursue further action under FCRA 1681n and 1681o for willful or negligent noncompliance.

Attached are supporting documents including : My original XX/XX/year> dispute letter and Experians reinvestigation outcome.

Evidence of the federal loan consolidation.

A copy of the Experian report showing the disputed account.

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 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I send a letter to the CRA, to verify the reported bankruptcy place on my credit report, ( see attachment ) the information is both incorrect and was not reported by the bankruptcy court, and in addition the case number on my report is in correct. As of todays date I have not received a response from the CRA its been over 60 days since I mailed the letter requested information. 

The incorrect information has harmed my ability to obtain credit if allowed will continue to do so.

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 2025-04-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Management Holdings, LLC
State: MS

Complaint narrative:
{$510.00} XX/XX/year> i filed a report with identity theft {$650.00} XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Hello ok so I had a prepaid debit card from bank of America threw the arizona unemployment during the pandemic I was able to use the account just fine for about a month until I got a prompt on the unemployment site stating that I was disqualified and there was XXXX disqualifications on there in which I would have to win one to start the next so for over a years time just about I had finally proven each of the five times I went to phone court with my fight for why I shouldn't have been disqualified and each time I won all 5 times the outcome was in my favor so I was expecting a big lump some of money for not having received money and on the verge of being kicked out of my apartment for not paying my father had even been helping knowing I was fighting the unemployment people proving why I shouldn't have been disqualified but when I only received a check for {$2400.00} I was in complete shock so I called the unemployment office and they couldn't answer my questions so I turned to the bank of America prepaid debit card people asking if they had received any money from my unemployment claims and at first had told me that I had XXXX accounts opened up under my social security number and that apparently they had issued new debit cards and sent them out to a few different locations in which I knew nothing about but turns out that the whole time I was fighting my disqualifications that they where still loading the cards with weekly benefits I thought was all on hold until I finished with my appeals but nope they still had been loading the money on the cards so I had bank of America do a dispute was for a little over XXXX grand and that's the money I was expecting to help me get out of debt and helping me stay from living out of my car so they did the dispute and in less than 3 weeks came back with that the money wasn't spent fraudulent so they wouldn't pay out the claim I was completely devastated so I asked them to do it again and to actually look so they put it threw a second time and came back even faster this time with the same results I'm that time I had been kicked out of my apartment evicted and now for the last 2 years living out of my car with my girlfriend and any of the money we make isn't enough to get us back into a place it's too hard everything cost too much h the only loan I can get is XXXX $ from family every now and again I was expecting a lump some to get me back on track into a place. Me and my girlfriend Had a baby on XXXX in which because we live in the car have had to sign our rights away to her parents so she doesn't have to live out in the hot summer and cold winter with us in the car. It's been a nightmare and bank of America did me so wrong.

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 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXXXXXX XXXXXX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-04-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: MI

Complaint narrative:
i had a outstanding debt of XXXX for the company xfinity/comcast i called the company asked if i paid the balance in full will this be removed, the angent stated yes the account will be deleted in XXXX hours its been XXXX hours and the account is still visiable on my credit accounts.i will like for you guys to delete/remove this account from my profile as the balance is paid in full.......... ps the company thats reporting the debt i have never done any bussiness with this company thanks in advance..........

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 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:
I disputed debt settlements on my report, they claimed it was removed but it is still showing on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 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 disputed debt settlements on my report, they claimed it was removed but it is still showing on 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 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I took a look at my credit report and noticed several inaccuracies with XXXX XXXX XXXX. According to ( FCRA ) 15USC 1681 you must report accurately and fairly. This inconsistency has caused damage to my credit report, emotional stress, public embarrassment and higher interests rates. I demand a proper investigation into this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I took a look at my credit report and noticed several inaccuracies with XXXX XXXX XXXX. According to ( FCRA ) 15USC 1681 you must report accurately and fairly. This inconsistency has caused damage to my credit report, emotional stress, public embarrassment and higher interests rates. I demand a proper investigation into this.

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 2025-04-27 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: FL

Complaint narrative:
To Whom It May Concern : This letter concerns the accounts reported by XXXX Bank, specifically : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reports, I have identified multiple serious violations of the Fair Credit Reporting Act ( FCRA ), Metro 2 standards, and federal guidelines, affecting both accounts as outlined below : 1. False Reporting of the Date of First Delinquency ( DOFD ) Violation of 15 U.S.C. 1681c ( a ) ( 4 ) : Both accounts show the first delinquency occurring in XXXX, based on payment histories indicating XXXX, XXXX, and XXXX late payments starting in XXXX. Despite this, XXXXXXXX XXXX reported the Date of First Delinquency incorrectly as XXXX, unlawfully extending the negative reporting period. This constitutes re-aging of derogatory information, a clear violation of the FCRA. 



2. Illegal Re-Aging of the Accounts Violation of Metro 2 Standards : According to Metro 2 standards, the Date of First Delinquency must correspond to the first missed payment that was never subsequently brought current. XXXX XXXX re-aging of the XXXX XXXX and XXXX accounts by falsely shifting the DOFD to XXXX directly violates Metro 2 reporting guidelines and federal law. 



3. Retaliatory Charge-Off Updates During Active Disputes Violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) and 15 U.S.C. 1681s-2 ( b ) : After I lawfully disputed both accounts due to inaccuracies, XXXX XXXX improperly updated the statuses of both accounts to Charge-Off during the pendency of the disputes, without correcting the original DOFD errors. 
Updating an account to a more derogatory status during an active dispute, especially without correcting the initial inaccurate information, constitutes retaliation and violates the FCRAs requirement for reasonable investigation and good faith resolution. 



4. Failure to Conduct a Reasonable Investigation Violation of XXXX XXXX. XXXX ( b ) : Despite clear evidence presented during the disputes regarding the true dates of first delinquency, XXXX XXXX failed to correct the inaccurate reporting for either account. Instead, they escalated the derogatory status without lawful basis, proving that no reasonable investigation was performed as required by the FCRA.

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 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked immediately. Enclosed is a copy of my Police Report and FTC Identity Theft Report ( FTC Report Number : XXXX ) to support my identity theft claim. 
Under 15 U.S.C. 1681c-2, once a consumer submits an identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within four ( 4 ) business days. 
The following information on my credit report is the result of identity theft and should be blocked : 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 As required by law, this fraudulent information should be blocked for at least one year, after which I may request an extension of the block. During this time, you may not report this information on my credit file or indicate that my report contains any fraudulent data.

I have contacted the TransUnion, on several occasions to report these fraudulent accounts, yet I have not received any resolution. This situation is seriously affecting my ability to qualify for a new home for my children. These same accounts were deleted and not verified by other credit bureaus, which raises serious questions about their legitimacy. 
I have also requested verification and contract documentation from the companies reporting these accounts, and more than 60 days have passed without any response. Therefore, I am requesting immediate action. 
Enclosed is my FTC Identity Theft Report. I respectfully request that you make a fair and just decision regarding my situation. 
Sincerely, 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