vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Valon Technologies, Inc.
State: UT

Complaint narrative:
I am writing to formally report unauthorized activity on my mortgage account with your institution. I have recently discovered that payments have been made toward my mortgage from a bank account that does not belong to me and to which I have no affiliation. 

I am extremely concerned that either an administrative error or potential fraud has caused another individuals bank account to become linked to my mortgage. This raises serious legal, financial, and privacy issues. 

I have already contacted your customer service department by phone on XX/XX/year> at XXXX, but as of today, the unauthorized account is still appearing in my mortgage account, and no resolution has been provided. I respectfully request that your office immediately : Initiate a formal investigation into the origin of this linked account.

Remove any external bank account that I did not authorize or provide.

Provide written confirmation of the steps you are taking to address this matter.

Ensure that my mortgage account is secure and not accessible to any third party.

If this issue is not resolved promptly, I will be forced to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and any other appropriate regulatory agencies.

Please consider this letter an official record of my dispute regarding this issue. I appreciate your urgent attention and expect a written response within 10 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: LA

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 2025-07-04 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: AZ

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 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 2025-07-04 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 is my third formal dispute regarding certain inaccurate and fraudulent items that appear on my credit report due to identity theft. Despite my prior communications dated XX/XX/XXXX and XX/XX/XXXX, these accounts remain unresolved.

I am asserting my rights under the following laws : FCRA 602 ( A ) It is the policy of Congress that consumer reporting agencies shall adopt reasonable procedures to ensure maximum possible accuracy of the information contained in consumer reports.

FCRA 611 ( 15 U.S.C. 1681i ) I have the right to dispute information on my credit report that I believe is inaccurate or incomplete. You are required to reinvestigate the items in question and record the status within 30 days.

FCRA 605B ( 15 U.S.C. 1681c-2 ) As the victim of identity theft, I have the right to request that fraudulent information resulting from identity theft be blocked from my credit report. 
FCRA 623 ( 15 U.S.C. 1681s-2 ) Furnishers of information have an obligation to report accurate information and to correct or delete inaccurate, incomplete, or unverifiable information.

FDCPA 809 ( b ) ( 15 U.S.C. 1692g ( b ) ) If any of the disputed accounts are being collected, I have the right to request validation of the debt and for collection to cease during the investigation. 
Details of the fraudulent accounts : XXXXXXXX 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 explanation
Consumer complaint received 2025-07-04 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 is my third formal dispute regarding certain inaccurate and fraudulent items that appear on my credit report due to identity theft. Despite my prior communications dated XX/XX/XXXX and XX/XX/XXXX, these accounts remain unresolved.

I am asserting my rights under the following laws : FCRA 602 ( A ) It is the policy of Congress that consumer reporting agencies shall adopt reasonable procedures to ensure maximum possible accuracy of the information contained in consumer reports.

FCRA 611 ( 15 U.S.C. 1681i ) I have the right to dispute information on my credit report that I believe is inaccurate or incomplete. You are required to reinvestigate the items in question and record the status within 30 days.

FCRA 605B ( 15 U.S.C. 1681c-2 ) As the victim of identity theft, I have the right to request that fraudulent information resulting from identity theft be blocked from my credit report. 
FCRA 623 ( 15 U.S.C. 1681s-2 ) Furnishers of information have an obligation to report accurate information and to correct or delete inaccurate, incomplete, or unverifiable information.

FDCPA 809 ( b ) ( 15 U.S.C. 1692g ( b ) ) If any of the disputed accounts are being collected, I have the right to request validation of the debt and for collection to cease during the investigation. 
Details of the fraudulent accounts : XXXXXXXX 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 explanation
Consumer complaint received 2025-07-04 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: Rocket Mortgage, LLC
State: NC

Complaint narrative:
I called in to get a preapproval for a mortgage on the website. It said that it would be a soft pull with no effect to my credit, which is the only reason why I put my Social Security number on the phone with them they said they were unable to do the pool and they can only do a pool and I said no thank you I do not want to do a hard pool. I do not want my credit score to go down XXXX days later I get a notification that there is a new hard inquiry or my credit and my credit score went down by XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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:
This is my third formal dispute regarding certain inaccurate and fraudulent items that appear on my credit report due to identity theft. Despite my prior communications dated XX/XX/XXXX and XX/XX/XXXX, these accounts remain unresolved.

I am asserting my rights under the following laws : FCRA 602 ( A ) It is the policy of Congress that consumer reporting agencies shall adopt reasonable procedures to ensure maximum possible accuracy of the information contained in consumer reports.

FCRA 611 ( 15 U.S.C. 1681i ) I have the right to dispute information on my credit report that I believe is inaccurate or incomplete. You are required to reinvestigate the items in question and record the status within 30 days.

FCRA 605B ( 15 U.S.C. 1681c-2 ) As the victim of identity theft, I have the right to request that fraudulent information resulting from identity theft be blocked from my credit report. 
FCRA 623 ( 15 U.S.C. 1681s-2 ) Furnishers of information have an obligation to report accurate information and to correct or delete inaccurate, incomplete, or unverifiable information.

FDCPA 809 ( b ) ( 15 U.S.C. 1692g ( b ) ) If any of the disputed accounts are being collected, I have the right to request validation of the debt and for collection to cease during the investigation. 
Details of the fraudulent accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-07-04 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
Company contacted me about card usage. I called company and was told there were several charges made on card that I didn't make. I confirmed all of my current information and let company know that charges were being made and sent to my previous address. Company said they would cancel charges and send me a new card. when I got a new card, I couldn't activate it because another had been sent to previous incorrect address. More charges were made on that card. I spoke to several customer service agents trying to settle issue before I cancelled card. Customer service rep assured me that charges would not reflect on my credit. I sent a letter to company to ask them to remove account from my credit report after it was added to my report. Per investigation, company said account was deleted from my credit but it hasn't.

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 2025-07-04 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:
This is my second formal dispute regarding fraudulent accounts that remain on my credit report despite my initial request for investigation and removal. I have already submitted an FTC Identity Theft Report, and enclosed again is a copy for your reference, along with my government-issued ID and proof of address. 
The following accounts are the result of identity theft and do not belong to me : XXXX. XXXX XXXX XXXX XXXX # XXXX These accounts were fraudulently opened or used without my authorization and continue to negatively impact my credit report and financial standing. Under the Fair Credit Reporting Act ( FCRA ) 605B,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am filing this complaint because TransUnion is reporting incomplete and inaccurate information regarding my XXXX XXXX  Bankruptcy ( XXXX XXXX. XXXX, filed XX/XX/year>, XXXX XX/XX/year>, XXXX XXXX XXXX Illinois XXXX . While TransUnion does reflect the bankruptcy as a public record, multiple tradelines that were included in the bankruptcy are still showing derogatory remarks without the proper " Included in Bankruptcy '' coding, in violation of FCRA 607 ( b ) and Metro2 reporting standards. 

Examples include : XXXX XXXX : still reporting XXXX  Days Late without any IIB or discharge code.

Multiple DPT EDXXXX accounts XXXX XXXXt loans ) and XXXX XXXX XXXX accounts were removed without notice, explanation, or dispute result summaries between XX/XX/XXXX and XX/XX/year>. 

TransUnion also failed to maintain accuracy after removing dispute notations and several accounts without resolution notices, violating FCRA 611 ( a ) ( 6 ) and 623 ( a ) ( 3 ).

I demand immediate correction. Failure to act constitutes willful negligence and opens the door to statutory damages under the FCRA, FACTA, and CROA.

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 2025-07-04 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: FL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant XXXX, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

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 2025-07-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
During 2020, COVID Pandemic era, Several accounts were taken out in my name and I'm not sure as to the origins of these accounts. I never received confirmation of ways of verifying and validating debts in my name. My entire credit report has been tarnished and needs to be corrected as I have not been advised of all of the details pertaining to my credit file. For the bureaus or any company to have these in my name without confirming the details of such origins of debt are unlawful. Please help me to validate and confirm debts that I'm not sure are mine 15 USC 1601, 15 USC 1692C, HJR 192 ( 15 USC 1681A2B ), 15 USC 1601, 15 USC 1666b, 18 USC 1028A.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 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: NY

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-07-04 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: NY

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
XXXX XXXX XXXX have been reporting a auto loan ( XXXX XXXX  XXXX XXXX ) I have no a knowledgeable interest in also XXXX IS REPORTING A AUTO XXXX XXXX XXXX XXXX IN WHICH IT IS FRAUDULENT XXXX have been reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX inaccurately and refuse to remove these said accounts SOMEONE OPENED A BANK ACCOUNT IN MY NAME USING MY Driver license and social and buisness documents I have started a lawsuit against Chexsystems for failing to protect my consumer rights and I have started a lawsuit against all said above creditors and removing the said accounts these accounts I have not done buisness with any of these creditors Im also seeking monetarily relief these accounts should be removed as Im a victim of identity theft according to section 606b

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 2025-07-04 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Upstart Holdings, Inc.
State: FL

Complaint narrative:
I am requesting that Upstart remove the negative account reporting on my credit report. This account was paid in full on XX/XX/year>. I did not settle for less I took full responsibility and paid the entire balance. 

Despite that, the account is still being reported as a negative item, and when I called last week, I was told it can not be removed. I am currently preparing to purchase a home, and multiple mortgage lenders have advised that this paid collection is hurting my ability to qualify. 

I believe continued reporting of this debt which has been fully resolved is punitive and unnecessary. I am asking for a goodwill deletion to reflect the good faith with which I resolved the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: PA

Complaint narrative:
SECURITY CREDIT SERVIC is falsely reporting on my credit. I have never had any accounts with them. Per my research SECURITY CREDIT SERVIC is a debt collector. They are falsely reporting on my credit!! Account number is XXXXXXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: NJ

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief