vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-30 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:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-30 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:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Johnson Mark LLC
State: AZ

Complaint narrative:
Response to Johnson Mark LLCs CFPB Reply Complaint # XXXX XXXX XXXX To Whom It May Concern, I am writing in response to the letter provided by Johnson Mark LLC dated XX/XX/XXXX, regarding the above-referenced complaint. Their response fails to adequately address or resolve the issues I raised, and in fact omits critical facts and documentation. I am providing the following rebuttal and supporting evidence. 
1. Garnishment Was Already Executed and Refunded Johnson Mark LLCs response does not acknowledge the courts XX/XX/XXXX Order Discharging Garnishee, which invalidated the garnishment and resulted in a full refund of collected wages. I have attached four paystubs confirming this garnishment activity : XX/XX/XXXX : {$580.00} garnished XX/XX/XXXX : {$540.00} garnished XX/XX/XXXX : {$550.00} garnished XX/XX/XXXX : {$1600.00} refunded ( matching the total previously garnished ) This directly contradicts Johnson Mark LLCs assertion that they were lawfully continuing post-judgment remedies. Their failure to acknowledge the refunddespite this clear documentationis misleading and deceptive.

2. Multiple Garnishment Attempts Post-Refund Despite the refund and discharged garnishment order, Johnson Mark LLC has filed five additional wage garnishments, including the most recent on XX/XX/XXXX. This conduct constitutes : Harassment under 15 U.S.C. 1692d Collection of an amount not authorized by law ( 15 U.S.C. 1692f ( 1 ) ) Deceptive misrepresentation of the amount owed ( 15 U.S.C. 1692e ( 2 ) ) They have not provided any new legal basis or updated judgment to justify these renewed garnishments. If the debt was satisfied, dismissed, or refunded, further attempts are unlawful.

3. Failure to Provide Required Accounting Their response claims an " accounting detail '' was attached. No such detail was included in the CFPB response or sent to me. I continue to request : A complete payment and garnishment history A breakdown of the current balance ( if any ) Documentation authorizing any post-refund garnishments 4. Communication Failures & Cease and Desist Johnson Mark LLCs phone number regularly disconnects after long hold times, and the email listed on their website bounced back as undeliverable. Despite a formal cease and desist request, they continue to file legal actions.

5. Request for Regulatory Action Given the above, I respectfully request the CFPB : Require Johnson Mark LLC to immediately cease all collection activity on this debt Compel them to produce a full accounting and legal basis for any remaining balance Investigate potential FDCPA violations for post-refund garnishments and misrepresentation Refer the matter to appropriate enforcement authorities for review under federal and Arizona law Attachments Included : Four paystubs ( XX/XX/XXXX XX/XX/XXXX ) confirming garnishment and refund Original complaint text Johnson Mark LLCs CFPB response

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my XXXX, Equifax XXXX XXXX  credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-07-30 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: LEXISNEXIS
State: FL

Complaint narrative:
I am submitting this complaint against LexisNexis Risk Solutions for its failure to respond to a valid, fully documented dispute concerning inaccurate and potentially harmful information in my consumer file. This inaction is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and has prevented the correction of data that continues to negatively impact my financial reputation. 
On XX/XX/year>, I mailed a formal dispute letter to LexisNexis challenging both the presence of inaccurate personal information and the accuracy and verifiability of a listed bankruptcy record, specifically : Court : XXXX XXXX XXXX XXXX XXXXXXXX, Bankruptcy Filing Number : XXXX. To ensure full compliance with identity verification requirements, I included a copy of my photo ID, W2 as proof of my social security number, and a recent utility bill.

As of the date of this filingwell beyond the 30-day response window required under Section 611 of the
FCRAI have received no response, no investigation results, and no communication from LexisNexis. This complete lack of action constitutes a clear failure to perform the reasonable investigation required by law.

LexisNexiss inaction has allowed disputed and unverified public record information to remain in my file, with the risk of it being shared with third parties or used to assess my creditworthiness without any confirmation of its accuracy. This is unacceptable and undermines the integrity of the consumer reporting system. I am including a copy of my original dispute letter sent to LexisNexis as evidence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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:
XXXX XXXX XXXX  has damaged my credit... An agent for XXXX has been very difficult to work with, disgruntle threatening to take our home. I think she took it Apon herself to damage our credit, we share the mortgage. my wife XXXX XXXX XXXX XXXX has had multiple contacts with her and words were exchanged..... We are on auto pay and have not missed a payment or late. XXXX has not repaired our credit its been over 30 days, I own a XXXX XXXX  and it is affecting my operation. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX SC. XXXX XXXX has made it impossible to correct the problem. I also want to switch to another mortgage co. by refinance but I can not due to bad credit. caused by 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 2025-07-30 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: CA

Complaint narrative:
These accounts are being reported under my name without my knowledge, consent, or authorization. I have never opened, managed, or permitted anyone to open these accounts on my behalf. This is completely unacceptable and constitutes a serious breach, as it reflects false and misleading information on my credit profile.

I take the accuracy of my credit report extremely seriously, and the presence of these unauthorized accounts is deeply alarming. I require immediate clarification regarding how these accounts were linked to my name and who is responsible for reporting them.

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 2025-07-30 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: WA

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to XXXX XXXX. XXXX, and to request that such information be blocked or removed immediately. I am attaching a copy of my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER : XXXX ) as evidence of my claim. 
According to XXXX XXXX. XXXX, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as a result of such theft within XXXX ( XXXX ) business days. 
The following information on my credit report is the result of identity theft and must be blocked : NAME / ACCOUNT NUMBER Unknown - XXXX Pursuant to XXXX U.S.C. XXXX, I respectfully request that this account be immediately blocked from my credit report. This block should remain in effect for a period of XXXX year, after which I may request an extension. During this time, no information may be reported. 
I have contacted EQUIFAX multiple times to report these accounts, but I have not received a clear or definitive resolution to help me resolve this situation. This situation is severely affecting me as I am trying to purchase a new home for my children and obtain financial tools to support my economic growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm. 
These accounts have already been removed and were not verified by other credit agencies, so I do not understand why this agency continues to assert that these accounts belong to me. 
I have requested copies of the contracts related to these accounts from the reporting company, and after more than 60 days, I have not received any response. I respectfully request your assistance in removing these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: NC

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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 ( XXXX XXXX Code XXXX ) for deceptive and misleading 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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have encountered difficulties accessing my [ Equifax Information Services ] account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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:
T

hese accounts are being reported under my name without my knowledge, consent, or authorization. I have never opened, managed, or permitted anyone to open these accounts on my behalf. This is completely unacceptable and constitutes a serious breach, as it reflects false and misleading information on my credit profile. I take the accuracy of my credit report extremely seriously, and the presence of these unauthorized accounts is deeply alarming. I require immediate clarification regarding how these accounts were linked to my name and who is responsible for reporting them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: MO

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear Dispute Department, I reviewed my credit report on XXXX XXXX, 2025, ( Subject : Urgent Request for Removal of Fraudulent Accounts Within 7 Days To Whom It May Concern, I am writing to urgently dispute fraudulent accounts that have been wrongfully reported on my XXXX credit file. These accounts were opened without my knowledge or authorization and are the result of identity theft. The following accounts are fraudulent and must be removed from my credit report immediately : The following accounts contain incomplete and incorrect information : XXXX XXXX XXXX Open date XX/XX/XXXX XXXX XXXX XXXX Open date XX/XX/XXXXXXXX XXXX Open date, XX/XX/XXXX XXXX XXXX OPEN DATE, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-07-30 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: CBC Companies, Inc.
State: GA

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 2025-07-30 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:
I submitted to Experian that I never been late on account and requested information from the company XXXX Experian started on line dispute and after 30 days replied that they " conducted investigation " and updated report When I asked for copy of their investigation they failed to provide me with the data. I called the company XXXX they said they have not been contacted by Experian Experian refused to answer my phone calls and did t not respond to my email either, and failed to provide me with information and proof that they did conduct investigation, additionally they deleted payments that I made in prior month

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