vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Valon Technologies, Inc.
State: NV

Complaint narrative:
I am the federally registered trademark and copyright holder of the commercial identity XXXX XXXX XXXX. Valon Mortgage is using this protected name in escrow and mortgage servicing notices without a valid license, assignment, or signed agreement authorizing use. Their continued use of this identity for servicing and account management is unauthorized and violates federal trademark, copyright, and consumer protection law. 

My name is protected under USPTO Reg. No. 7,682,119, Copyright No. 00083067-1, and assumed name filings in Nevada and Minnesota. Valon has not provided validation of any servicing rights or a license agreement authorizing use of my name in commerce. This activity violates 15 U.S.C. 1125, 17 U.S.C. 501, and the Fair Credit Reporting Act. Despite their disclaimer language referencing bankruptcy, they continue to associate my protected name with ongoing servicing and lien-related activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have disputed this account several times with all three credit bureaus and the company stated this account was verified without providing me with the about information I requested.According to 15 USC 1692G The creditor must provide me with the above information. If they are unable to provide me with this information this debit is not valid and must be removed from all 3 credit bureaus. I contacted XXXX XXXX and they were not able to verify this debit and this debit is not reporting on any of my XXXX XXXX reports.

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 2025-04-17 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:
UPON OPENING MY CREDIT REPORT I REALIZED XXXX XXXX UNAUTHORIZED FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. XXXX XXXX XXXX ( Collection ) XX/XX/XXXX XXXX XXXX ( Loan ) XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: GA

Complaint narrative:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX * * * * Balance {$0.00} XXXX XXXXXXXX XXXX * * * * Balance {$27.00} XXXX XXXX XXXXXX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-04-17 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: PA

Complaint narrative:
Please remove and block the unauthorized accounts listed on my credit report at your earliest convenience. I did not authorize or create these accounts and am unaware of where they originated. As per USC 1681g, I am requesting their removal within XXXX  days. Supporting documentation is included for your careful evaluation. The information reported varies between credit bureaus and is incorrect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: GA

Complaint narrative:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX * * * * Balance {$0.00} XXXX XXXXXXXX XXXX * * * * Balance {$27.00} XXXX XXXX XXXXXX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-04-17 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:
XXXX account on my credit report Hi, I saw a XXXX account pop up on my credit report, and honestly, Im still trying to figure out what happened with it. I didnt know it had gone to collections or turned into a problem. Its not something I was managing, and I dont think it should be on my report like that. 

Can you please take a look and remove it? 

I send u ssn + id + proof of address + ftc report for verification. 

Thanks, XXXXXXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: NY

Complaint narrative:
My name is XXXX XXXX there is no XXXX party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Upon reviewing my credit report I found these fraudulent activities. 
XXXX XXXX XXXX XXXX Acct number : XXXX Date opened : XX/XX/year>, amount XXXX XXXX LVNV FUNDING : acct number : XXXX Date opened : XX/XX/year> Amount, XXXX XXXX. RESURGENT LVNV FUNDING : acct number : XXXX Date opened : XX/XX/year> Amount XXXX XXXX Credit XXXX XXXX acct number : XXXX Date opened : XX/XX/year> Amount : XXXX XXXX. The XXXX XXXX acct XXXX DATE opened : XX/XX/year> Amount : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Upon reviewing my credit report I found these fraudulent activities. 
XXXX XXXX XXXX XXXX Acct number : XXXX Date opened : XX/XX/year>, amount XXXX XXXX XXXXXXXX XXXX  : acct number : XXXX Date opened : XX/XX/year> Amount, XXXX XXXX. XXXX XXXX XXXX : acct number : XXXX Date opened : XX/XX/year> Amount XXXX XXXX Credit XXXX XXXX acct number : XXXX Date opened : XX/XX/year> Amount : XXXX XXXX. The XXXX XXXX acct XXXX DATE opened : XX/XX/year> Amount : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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:
This letter serves as a formal follow-up to my previous correspondence regarding your agency 's ongoing refusal to comply with the Fair Credit Reporting Act ( FCRA ), specifically in connection with my properly filed identity theft report submitted through IdentityTheft.gov.

To date, your agency has not provided any satisfactory justification for rejecting this report, nor have you taken the necessary steps to investigate or remove the clearly fraudulent accounts listed below from my credit file. As reiterated in my prior letter, federal lawincluding FCRA Section 605B and Section 617requires you to accept valid identity theft reports from consumers, including those submitted through the Federal Trade Commissions IdentityTheft.gov platform. Nowhere does the law require that such reports originate solely from a law enforcement agency.

Your continued rejection of my legally sufficient identity theft affidavit is not only unsupported by federal law but also constitutes willful noncompliance with the FCRA. This failure to act in accordance with clearly established legal procedures and CFPB guidance reflects blatant disregard for my rights as a consumer and victim of identity theft. 

I hereby reiterate and demand the immediate deletion of the following fraudulent accounts from my credit report : 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 2025-04-17 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
Under 15 USC 1681E ( B ) the XXXX XXXX  accounts on my report must be removed because they are reporting inaccurately and under violation. It states that the XXXX  XXXX  courts are the data furnishers which is not true.

XXXX XXXX  XXXX XXXX, Bal- {$0.00}, opened : XX/XX/XXXX XXXX  XXXX  XXXX - XXXX, Bal- {$0.00}, opened : XX/XX/XXXX XXXX XXXX XXXX  - XXXX XXXX Bal- {$0.00}, opened : XX/XX/XXXX XXXX  XXXX  XXXX- XXXX, Bal- {$0.00}, opened : XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: GA

Complaint narrative:
I recently submitted a dispute because Im very concerned about an account on my credit report that I believe is still being reported inaccurately and incompletely. It doesnt seem like a fair or proper investigation was done. This situation has caused me a lot of stress, and Im feeling overwhelmed and disheartened. 

Please, I truly need your supportIm at a loss for what to do next, and its seriously impacting my life. I also want to be clear that I am the one submitting this dispute personallyit is not being filed by any third party.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: CA

Complaint narrative:
This letter serves as a formal follow-up to my previous correspondence regarding your agency 's ongoing refusal to comply with the Fair Credit Reporting Act ( FCRA ), specifically in connection with my properly filed identity theft report submitted through IdentityTheft.gov.

To date, your agency has not provided any satisfactory justification for rejecting this report, nor have you taken the necessary steps to investigate or remove the clearly fraudulent account listed below from my credit file. As reiterated in my prior letter, federal lawincluding FCRA Section 605B and Section 617requires you to accept valid identity theft reports from consumers, including those submitted through the Federal Trade Commissions IdentityTheft.gov platform. Nowhere does the law require that such reports originate solely from a law enforcement agency. 

Your continued rejection of my legally sufficient identity theft affidavit is not only unsupported by federal law but also constitutes willful noncompliance with the FCRA. This failure to act in accordance with clearly established legal procedures and CFPB guidance reflects blatant disregard for my rights as a consumer and victim of identity theft. 

I hereby reiterate and demand the immediate deletion of the fraudulent account from my credit report : XXXX XXXX XXXX....

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Citi bank blocked my account a week ago, claiming that they had to review my account due to suspicious activities. The only activities were two transfers from and to my other accounts. At the time, they promised me 24-48 hours for resolution. Now, it has been over a week and I have not been able to access the funds in my account, neither was I able to check the status of a subsequent transfer. I have called their fraud department multiple times and every single time they asked me to wait another 24-48 hours. Based on their description, the back office reviewing the case does not take calls and can review the case in whatever time frame they would like.

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 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 non-monetary relief
Consumer complaint received 2025-04-17 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: NY

Complaint narrative:
This is my first request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * * * * * * * * * Balance Owed : {$0.00} XXXX XXXX * * XXXX * * * * * * * Balance Owed : {$0.00} XXXX  XXXX XXXX * XXXX XXXX Owed : {$0.00} XXXX  XXXX XXXX * XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX XXXX  XXXX * * * * * * * * * Balance Owed : {$1000.00} XXXX XXXX * * * * * * * * * * Balance Owed : {$680.00} XXXX XXXX * * * Balance Owed : {$350.00} XXXX  XXXX XXXX * * Balance Owed : {$71.00} XXXX  XXXX XXXX * * Balance Owed : {$240.00} XXXX  XXXX * * * * * * XXXX * * * Balance Owed : {$850.00} XXXX XXXX * * Balance Owed : {$54.00} XXXX XXXX XXXX XXXX * * * * XXXX XXXX XXXX * * Balance Owed : {$1000.00} XXXX XXXX  XXXX * * * Balance Owed XXXX {$860.00} XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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 is my first request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * * * * * * * * * Balance Owed : {$0.00} XXXX XXXX * * XXXX * * * * * * * Balance Owed : {$0.00} XXXX  XXXX XXXX * XXXX XXXX Owed : {$0.00} XXXX  XXXX XXXX * XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX XXXX  XXXX * * * * * * * * * Balance Owed : {$1000.00} XXXX XXXX * * * * * * * * * * Balance Owed : {$680.00} XXXX XXXX * * * Balance Owed : {$350.00} XXXX  XXXX XXXX * * Balance Owed : {$71.00} XXXX  XXXX XXXX * * Balance Owed : {$240.00} XXXX  XXXX * * * * * * XXXX * * * Balance Owed : {$850.00} XXXX XXXX * * Balance Owed : {$54.00} XXXX XXXX XXXX XXXX * * * * XXXX XXXX XXXX * * Balance Owed : {$1000.00} XXXX XXXX  XXXX * * * Balance Owed XXXX {$860.00} XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>

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