vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Control, LLC
State: AZ

Complaint narrative:
I was told by a representative of Credit-Control LLC that if I paid off my collection account in full, the account would be deleted from my credit report. Based on that assurance, I paid the account in full. After the payment was processed, I followed up and was then told by a different representative that they do not offer pay-for-delete agreements and that the previous representative was not authorized to make that statement. I feel I was misled into making a payment under false pretenses, and now the agency refuses to remove the account or provide the recording of the call where the agreement was made. I am requesting that the CFPB investigate this matter and help me obtain either the deletion of the account from my credit report or the recording of the call where I was told the account would 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 2025-04-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/year> File dispute with XXXX  and XXXX XXXX ( bank of America ) is not my credit card. 

XX/XX/year> File claim with BOA, they confirmed that XXXX is not under my name. The only XXXX credit card I had with BOA is ending XXXX and XXXX. 

XX/XX/year> XXXX rejected my dispute. They claim after their verification XXXX belong to me. 

But the truth is XXXX is a credit card opened with BOA WITHOUT SSN but coincidently have the same name with me. XXXX  and XXXX  mistakenly put this credit card under my credit report.

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 2025-04-21 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-21 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: NC

Complaint narrative:
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 2025-04-21 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: TX

Complaint narrative:
My report shows certain inquiries that do not appear to meet the requirement of permissible purpose as outlined in XXXX XXXX XXXX. I believe these inquiries were unintended, and I 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 2025-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: IL

Complaint narrative:
I am reporting that my personal identifying information was used without my authorization, resulting in fraudulent accounts, inquiries, and negative entries being placed on my credit reports. I did not open or authorize the use of my information for the listed accounts, collections, or inquiries that are negatively affecting my credit profile. These inaccuracies have caused financial harm and do not reflect accounts or activities initiated or authorized by me. I am requesting that all items associated with the fraudulent activity be blocked and permanently removed from my consumer reports under FCRA Section 605B.

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 2025-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Valon Technologies, Inc.
State: NC

Complaint narrative:
Valon Mortgage silently cancels auto pay on accounts that experience any hiccup in payment. 

In XX/XX/2025 we had an issue with a failed online auto-pay with Valon. When we discovered it happened we made a manual payment to meet the obligation. Due to this issue Valon disabled existing ( and previously successful ) auto-pay configuration without any notification. This caused a missed payment and, in turn, late fees to be assessed on an account in good standing. They admitted their system did this but could not explain why we weren't notified. They put a warning on our account and used our our " Once annual '' courtesy protection for an issue they caused. The Valon representative said this could happen again for " A number of reasons '' and it was our responsibility to ensure their system was working as expected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: VA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  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. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: MO

Complaint narrative:
The Creditor has " UNILATERALLY CHANGED '' The Original Loan Amount to the Borrower 's Detriment ; By Making Unfavorable Changes, Increasing The Loan Amount. XXXX XXXX XXXX XXXX, NEVER INFORMED ME THAT ORIGINAL LOAN BALANCE WOULD CHANGE FROM {$13000.00} to {$14000.00}. XXXX XXXX XXXX XXXX NEVER INFORMED ME of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information ; Making this account an Adverse Action that they are reporting without my permission. XXXX. The creditor has inserted XXXX payments into my consumer credit report for the months of XXXX & XX/XX/XXXX that I, the consumer did not make, XXXX XXXX XXXX XXXX XXXX did this without my consent. THAT IS CALLED FRAUD, & I have reported these fraudulent transactions to the FTC, in which a copy of my report is included. In addition to thee above mentioned, XXXX XXXX XXXX XXXX subsidiary XXXX XXXX XXXX reported as of XX/XX/XXXX that this account was being reported as CLOSED on my XXXX credit report on XXXX XXXX. 
I WAS NOT EVEN BORN AT THIS TIME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act XXXX as a gesture of respect XXXX  the Federal Trade Commission XXXX on accuracy XXXX  completeness of credit information I am formally writing in today XXXX dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve XXXX  hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure XXXX positively verify these accounts has hurt my ability XXXX obtain credit.

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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act XXXX as a gesture of respect XXXX  the Federal Trade Commission XXXX on accuracy XXXX  completeness of credit information I am formally writing in today XXXX dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve XXXX  hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure XXXX positively verify these accounts has hurt my ability XXXX obtain credit.

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 2025-04-21 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: MI

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I attempted to file an Experian credit report dispute online on XX/XX/year> for an illegal collection on my Experian report. Experian removed the ability for consumers to file online disputes. I was forced to call Experian and file the dispute over the phone. The representative did not speak or understand XXXX, did not understand the information I was providing that needed to be listed to file the dispute, and failed to provide a secure method to upload important and relevant dispute documents. Both XXXX and XXXX  have removed the illegal collection, however, Experian is not responding or complying.

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 2025-04-21 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: CA

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 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 2025-04-21 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: CA

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 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 2025-04-21 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: IL

Complaint narrative:
Please take action to block and delete the unauthorized accounts from my credit report at your earliest convenience. I have no knowledge of these accounts, nor did I approve their creation. In compliance with USC 1681g, I am requesting they be removed within 15 days. Enclosed are documents for your evaluation. Its important to note that each bureau is reporting different and inaccurate details for the same accounts

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 2025-04-21 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: NJ

Complaint narrative:
There is an unauthorized hard inquiry XXXX XXXX. I did not apply for this card and i called Transunion on XXXX to file a dispute but they ignored my complaint and hard inquiry remains.

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 2025-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Hello, Im reaching out in complete frustration and mental exhaustion. Imagine waking up to find yourself saddled with a debt youve never seen, tied to an account youve never opened, and then being hounded daily with threats and pressure from all angles. Thats exactly whats happening to me. This collection is not mineplain and simple. Its unverified, unfamiliar, and clearly inaccurate. I never authorized this, and I certainly dont deserve to be harassed over it. The stress has been relentless, and Ive gone days without proper rest just trying to figure out how this ended up on my credit report in the first place. Its incredibly violating and disheartening to feel like my rights as a consumer are being completely overlooked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and most recently XX/XX/XXXX, I submitted formal XXXX XXXX block requests to Equifax. Each request included the following documentation as required under federal law : A signed self-attestation statement from both myself and a verified non-governmental organization ( XXXX ) A police report A Consumer Financial Protection Bureau XXXX CFPB ) complaint report A recent utility bill A copy of my drivers license A detailed letter identifying the specific adverse items to be blocked Despite these complete and timely submissions, all of my requests have been denied or closed without reviewoften within XXXX XXXX, and without issuance of a temporary block or any indication that a proper investigation was conducted. 

This practice appears to be in direct violation of the Debt Bondage Repair Act ( DBRA ), signed into law in XX/XX/XXXX under the National Defense Authorization Act. The DBRA prohibits consumer reporting agencies from furnishing credit reports containing negative information that resulted from XXXX XXXX if the XXXX provides proper notice and documentation. Further, the Consumer Financial Protection Bureau ( CFPB ) has since established rules requiring CRAs to offer a method for survivors to submit such requests and ensure due process in their review. 

I am formally requesting a comprehensive review of my submissions and a written explanation of the basis for denial in each case. I am also requesting immediate compliance with the DBRA and CFPB rules, including issuance of a temporary block pending full investigation, as is my legal right under federal statute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: NC

Complaint narrative:
I bought {$100.00} in bitcoin. They wouldn't let me send it to my wallet. 
I sold the bitcoin for {$99.00}. 
Now they refuse to give me my money. I have sent everything they've requested. 
They want me to buy more, before the will refund my money. 
I'm not doing that. They just won't give me my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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