vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-11 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:
o Whom It May Concern, I am formally demanding that Johnson Mark LLC immediately cease all wage garnishment and collection efforts against me related to the above-referenced case. 
On XX/XX/XXXX, your firm obtained a garnishment order against me under this case and collected funds from my wages. However, these funds were later returned by court order on XX/XX/XXXX, after the Court issued an Order Discharging Garnishee due to an invalid debt or procedural defect. 
Despite this, Johnson Mark LLC has filed five separate wage garnishments on this same case, including the most recent filed on XX/XX/XXXX. Your firm continues to pursue collection on the same debt that was already deemed invalid and refunded by the court. This conduct appears to be not only abusive but also unlawful under the Fair Debt Collection Practices Act ( FDCPA ) and Arizona law. 
Additionally, Ive observed significant issues with your communications : I attempted to send this complaint via the email listed on your website ( XXXX ) and received a bounce-back notification, indicating your listed contact information is non-functional. 
I called your office multiple times, waited on hold for over 20 minutes, and was then disconnected. 
When I requested to speak with a supervisor, I was either ignored or hung up on by your representatives. 
I have retained call recordings documenting these incidents, which I am prepared to submit to regulatory authorities upon request. 
Further, your attempts to increase the garnishment amount from the original judgment of {$1600.00} to nearly $ XXXX any proper accounting or legal basisare highly concerning. 
I have already filed complaints against Johnson Mark LLC and XXXX XXXX XXXX with : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) Arizona Attorney General ( AG ) I am also preparing a Motion to Quash Garnishment in XXXX XXXX XXXX XXXX and may pursue additional legal remedies under federal and state law, including damages for harassment and FDCPA violations. 
Demand for Action : I demand that you : Immediately cease all garnishment and collection activities related to this debt. Provide me, in writing, within 10 business days : A full accounting of any amounts you claim are owed, including interest, fees, and payments. Legal documentation justifying your continued collection attempt
s.

Failure to comply will result in escalation of this matter through all available legal channels. 
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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Pursuant to the provisions outlined in 15 U.S.C. 1666b, payments received by creditors must be promptly credited and reported accurately. I hereby dispute the erroneous reporting of late payments on the following accounts : Credit Card account opened at XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Credit Card account opened at XXXX XXXX XXXX XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX Credit Card account opened at XXXX XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Credit Card account opened at XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Card account opened at XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX Credit Card account opened at XXXX XXXX XXXX on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX Credit Card account opened at XXXX on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Card account opened at XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX Credit Card account opened at XXXX XXXX XXXX on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX Collection account opened at XXXX  on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, as my payments were submitted timely. 
I demand immediate removal of this reporting error from my credit file. Failure to comply with this request may subject your agency to legal liability for violating federal law. Confirm the results of your all corrections made to my credit report within seven ( 7 ) calendar days.

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 information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Pursuant to the provisions outlined in 15 U.S.C. 1666b, payments received by creditors must be promptly credited and reported accurately. I hereby dispute the erroneous reporting of late payments on the following accounts : Credit Card account opened at XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Credit Card account opened at XXXX XXXX XXXX XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX Credit Card account opened at XXXX XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Credit Card account opened at XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Card account opened at XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX Credit Card account opened at XXXX XXXX XXXX on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX Credit Card account opened at XXXX on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Card account opened at XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX Credit Card account opened at XXXX XXXX XXXX on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX Collection account opened at XXXX  on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, as my payments were submitted timely. 
I demand immediate removal of this reporting error from my credit file. Failure to comply with this request may subject your agency to legal liability for violating federal law. Confirm the results of your all corrections made to my credit report within seven ( 7 ) calendar days.

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: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
XX/XX/XXXX, we tried to log into our Synchrony.com account and make a payment on our XXXX  Synchrony account for a HVAC system we purchased in XX/XX/XXXX, we have never been late on a payment and this payment was due XX/XX/XXXX. 
the username/password combination was incorrect, we tried a password reset and an email never came, my wife thought maybe we were doing something wrong & kept trying time to time with her mobile, laptop also switching browsers to try and gain access, thinking maybe she could get past this. Finally, I called on the XXXX after the holidays & long work weeks to a customer service # that was now being published on the website. after talking to the tech support they informed me that the old website was gone and we were to go to a new website to make payments XXXX so I did, it was then I realized that our old account info was gone, username/password, multifactor authentications were all null. they wanted the cellphone of the account and last 4 of the social security # " this is a credit card company mind you '' there is no option for using a password, no XXXX of any kind, no way for me to manage my account in any way, literally felt like we stepped into a ransomware dream date and went back 35 years on XXXX. the site is just a payment hub with history of payments ; no notice was giving to us before XX/XX/XXXX of the upcoming changes and the email sent XX/XX/XXXX was just saying welcome to XXXX " which we had been using since XX/XX/XXXX, so there is no reason for a welcome email or creating an account that we thought already exists. Looks like spam to me. 
this needed reported because this exploits users government Social security # 's if the site is Hacked. and not having an option for any other way to gain access to your account other than your social security # for a credit card company is NOT secure. Also of course no XXXX is even an option

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc . 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc . 
continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 2025-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Security Credit Services, LLC
State: HI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Inaccurate Credit Reporting I am submitting this complaint against XXXX XXXX XXXX in response to their misleading leasing practices and inaccurate handling of my account, which has resulted in financial harm and damage to my credit. While XXXX claims they are no longer responsible because they sold the account to a third-party collection agency, this does not absolve them of liability for the deceptive structure of the lease or the misapplication of my payments. 
In XXXX, I entered into a lease agreement with XXXX for a consumer item purchased through XXXX. Determined to fulfill my obligation quickly, I made double payments during each billing cycle. A XXXX representative later confirmed that I had paid more than three times the value of the item. Despite this, I was told I still owed {$710.00}. Their system failed to apply my early and excess payments toward the total balance, and instead continued to assess charges based only on payment dates, rather than payment amounts. 
XXXX never disclosed that early or additional payments would not shorten the lease or reduce the total cost. Their failure to reconcile the paid-in-full status ultimately led to my account being sold to collections even though there was no valid remaining balance. This action caused derogatory marks on my credit and excluded me from relief that other harmed consumers received through the CFPBs 2023 enforcement action against XXXX. 
Although XXXX states they are no longer contacting me, the financial injury occurred while they held the account. They remain responsible under the Consumer Financial Protection Act ( CFPA ) and the Fair Credit Reporting Act ( FCRA ) for : Structuring and enforcing misleading payment terms ; Misrepresenting account status before the sale ; Furnishing inaccurate information that harmed my credit profile. 
Relief Requested I respectfully request that the CFPB : 1. Investigate XXXX internal systems and deceptive lease structure ; 2. Require XXXX to confirm my account was paid in full prior to transfer ; 3. Direct XXXX to notify XXXX XXXX and XXXX  to remove derogatory marks and reflect a zero balance ; 4. Ensure that consumers excluded from prior relief, like myself, receive appropriate corrective action and financial redress.

Thank you for your attention and continued commitment to protecting consumers from harmful and unjust financial practices. 
Sincerely, XXXX XXXX XXXX : XXXX Phone : ( XXXX ) XXXX Current Address : XXXX XXXX XXXX # XXXX, XXXX, HI 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$9700.00}

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: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: MA

Complaint narrative:
This is s in regards to my cash app account. In the midst of a transaction which was already performed earlier in the week, my account out of the blue was suspended and closed saying I needed to verify my identity. Remind you, this activity was already performed the day the cash app account was originated and was confirmed by the status " verified '' on my account. Once they suspended the account I go back to my profile and the status was changed to unverified obviously to justify their actions but totally unwarranted nor was permission granted to do such. My transaction I was trying to perform was to send some previously purchased bit coin to my son 's account in USD in order to withdraw because the XXXX was originally purchased to take care of a transaction fee requiring a Bitcoin payment but later found out to be fraudulent.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that Experian immediately block and permanently remove multiple fraudulent accounts, including a XXXX XXXX XXXX XXXX credit card XXXX XXXX ) reported on XX/XX/XXXX with a balance of {$3400.00} XXXX, a XXXX credit card ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) reported on XX/XX/XXXX with a balance of {$1700.00} XXXX XXXX, a XXXX  XXXX credit card ( XXXXXXXX XXXX XXXX XXXX XXXX ) reported on XX/XX/XXXX with a balance of {$3700.00} XXXX XXXX an XXXX XXXX XXXX collection account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) reported on XX/XX/XXXX with a balance of {$1300.00} XXXX XXXX, and a XXXX Credit collection account XXXX XXXX * ) reported on XX/XX/XXXX with a balance of {$1300.00} XXXX XXXX that were added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report XXXX along with supporting documentation, including proof that my personal data was compromised in the Equifax data breach. 
I am filing this FTC Identity Theft Affidavit to report 5 fraudulent account ( s ) appearing on my consumer FICO Experian credit report which I do not recognize and which are the result of identity theft and fraud. These accounts include credit cards opened at 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  ). These accounts have caused fraudulent inquiries and collections to appear on my credit report. I request immediate removal of these items from all consumer credit reports and demand that all collection efforts related to them cease, as is my right under the FCRA and FDCPA. 
It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within four ( 4 ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law may result in further legal action to protect my consumer rights.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ACCOUNTS : XXXX XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/2023, Balance : {$780.00}

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