vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am submitting this statement to notify you that I have already filed for identity theft. Despite taking the necessary steps, my personal information continues to appear in repeated data breaches. As a result, my credit report contains old accounts, old inquiries, and multiple inquiries that are inaccurate, unauthorized, and unverifiable. 

I do not know how my information continues to surface in these breaches, but I am receiving ongoing notifications about it. This situation has become a constant hassle, and it is causing ongoing harm to my credit profile. I am requesting that these inaccuracies be investigated and permanently removed as required under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to demand the immediate removal of unauthorized hard inquiries from my credit report. These entries were made without my consent and have directly harmed my credit score, violating my rights under the Fair Credit Reporting Act ( FCRA ).

Despite previous assurances from your agency that these inquiries would be removed, they remain unresolved. This failure to act is unacceptable and suggests potential identity theft, causing me ongoing financial and emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: Future Judgement Solutions
State: NM

Complaint narrative:
On XX/XX/year> I got a phone call from Future Judgement Solutions a guy saying I owed debt for XXXX XXXX. I asked what that was he said a XXXX or XXXX XXXX card. I said send me documents he emailed me a payment plan. I ignored it. Same day a different guy called me threatening to sue me put a boot on my vehicle. I left it alone. On XX/XX/year> I got another call from them saying they were going to serve me papers on XX/XX/year> I was being sued. So I called them and a lady named XXXX answered she told me they would settle out for payments I was very frantic being they already had harassed me. She emailed a document told me to sign it I did and shouldnt have. I gave her my credit card number. I have had a very un easy feeling about it so I looked into their company and found that they are a phony company. I cancelled my card I gave them and reported a fraud alert on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Valon Technologies, Inc.
State: MI

Complaint narrative:
I was originally with XXXX XXXX XXXX  and was transferred to Valon Mortgage. My divorce was final in XX/XX/year>. Contacted Valon Mortgage to get paperwork to do the assumption of the Mortgage since my divorce states I needed to have completed by XX/XX/year>. I first called them on XX/XX/year> to request the paperwork and spoke with XXXX ( ID XXXX ) and said it will be 3-4 weeks. Called back on XX/XX/year> and spoke to XXXX ( ID XXXX ) and stated that it is still in process. Called again on XX/XX/year> and spoke to XXXX ( ID XXXX ) who had to transfer me to a supervisor since they did not ever send me the paperwork. Supervisor was XXXX ( ID XXXX ) who said they would escalate it. Called again on XX/XX/year> and spoke with XXXX  ( ID XXXX ) and said there is nothing they can do. I expertly frustration and she supposedly sent it to another supervisor again. I need this paperwork so I dont have issues with the court. My previous Mortgage company had this form online. I dont understand what the hold up is to send me this form. No one has offered to send it via email. I need resolution now rather than later.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: NC

Complaint narrative:
THIS IS NOT A DUPLICATE REQUEST XX/XX/XXXX To Whom It May Concern, There is information on my consumer report that is potentially showing as a result of the recent Transunion and XXXX  identity breaches. I never provided written permission or instructions for the identified transactions to be reported or furnished on my consumer report. I am requesting for the second time that the reporting of this information be blocked and deleted.

The reporting and collection agencies alleging these debts responded to my initial requests, however this response did not address my request and requirements for listing such information on my consumer report at all. These third-party collection agencies failed to validate this alleged debt, and did not provide any original agreements including the original chain of custody as proof of both parties entering any agreement together.

Again, my request to block is not being made in error, and my request to block is not being made based on a material misrepresentation of fact by me relevant to the request to block the identified transactions. The following identified transactions are invalid and inaccurately being reported on my consumer report, resulting in fraud. 


XXXX XXXX Inaccurate Reporting Dates, Showing XX/XX/XXXX, XX/XX/XXXX, Multiple Different balance amounts XXXX XXXX XXXX Inaccurate Reporting Dates, Showing XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - Debt also being alleged by XXXX and XXXX - Multiple listed creditors/inaccuracies XXXX XXXX XXXX XXXX Inaccurate Reporting Dates , Showing XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Multiple Different balance amounts XXXX XXXX XXXX Unvalidated debt, 3rd party creditor, Inaccurate Reporting Dates, Showing XX/XX/XXXX HARD INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  No Products, Services or Contracts Entered or Received From These Creditors It is required by law that an action is taken regarding this matter and that the reporting of this information is addressed. I am requesting to block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 

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 2025-09-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Unauthorized Sale of Personal Information XXXX XXXX XXXX sold or transferred my personal and account information to XXXX XXXX without my knowledge or consent. I never gave permission for my private financial information to be released to a third-party debt collector. This is a violation of my privacy 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 non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing this complaint regarding Bank of Americas failure to properly investigate fraud charges on my account during XX/XX/year>. 

Claim ID : Unknown ( Bank of America opened a case, but I can not locate the number ) Disputed Amount : {$1800.00} ( XXXX  transactions ) Summary of the Issue : In XX/XX/year>, I noticed multiple fraudulent transactions on my account : Unauthorized Remitly transactions totaling {$1800.00}, I reported these transactions immediately and filed a fraud claim with Bank of America. Unfortunately, the bank denied my claim without providing a proper explanation or reimbursement. 

Why I Am Filing This Complaint : Bank of America failed to investigate my fraud claim fairly, ignored clear evidence that the charges were unauthorized, and left me responsible for transactions I did not make.

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 monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I comply with rules and regulations of Tranunion Fraud and Dispute Resolution. Still see all but one Inquiry.

They Only remove 1 inquiry instead of the list : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I don't Recognize any of this companies.

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 2025-09-24 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 dispute the legitimacy of entries associated with accounts not opened by me. Kindly conduct a detailed inquiry and remove them. Enclosures are provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no 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 2025-09-24 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no 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 2025-09-24 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: CA

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-09-24 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no 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 2025-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On numerous occasions I have requested documentation and that authorize them to have this debt they have never produced any documentation I am filing for re-investigation and for the original debt signatures and written agreements to be produced

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: MI

Complaint narrative:
I am filing this formal complaint against the credit reporting agencies and the listed furnishers for reporting inaccurate and unverifiable information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Upon reviewing my credit report, I found the following serious errors : Wrong/Incorrect Addresses XXXX XXXX XXXX, MI XXXX This is not and has never been my address. 

XXXX XXXX XXXX XXXX, XXXX, IN XXXX This is not and has never been my address.

These addresses are false and create confusion regarding my identity. Their continued reporting is a violation of FCRA 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy.

Unauthorized/Questionable Credit Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These inquiries were made without my knowledge, authorization, or permissible purpose under FCRA 1681b . They are damaging my credit profile and must be removed immediately.

Violations of the FCRA Failure to ensure maximum possible accuracy of consumer information ( 1681e ( b ) ) Reporting unverifiable information ( 1681i ) Allowing inquiries without a permissible purpose ( 1681b ) Requested Action I respectfully demand the following actions : Immediate deletion of all wrong addresses listed above.

Removal of the unauthorized hard inquiries by XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. 

A full reinvestigation under FCRA 1681i, with proof of verification provided in writing.

Written confirmation of corrections within the legally mandated time frame.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: OH

Complaint narrative:
I.C. SYSTEM, INC is falsely reporting on my credit. I have never had any accounts with them. Per my research I.C. SYSTEM, INC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2025-09-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I've recently received a copy of my credit report and noticed several inquiries that were unauthorized. These remarks have been detrimental on my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I was recently informed that I am on Mastercards MATCH list under the reason of identity theft. I have never engaged in fraud or identity theft, and I have not received any explanation or documentation. When I contacted Chase Bank, they denied placing me on MATCH, which contradicts what I was told by other institutions. I have requested the reason code and supporting evidence, but nothing has been provided. This false MATCH listing is harming me by preventing me from obtaining merchant accounts and payment services.

Company response to consumer: Closed with explanation