vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-02 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX is a credit card that is not mine. I have attached the credit report that shows that the credit card has been deleted. I have also attached a identity Theft report as well with dispute letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX is a credit card that is not mine. I have attached the credit report that shows that the credit card has been deleted. I have also attached a identity Theft report as well with dispute 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 2025-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
My husband ( the insured ) on my policy issued check XXXX from his XXXX XXXX  Account to pay my insurance premium for the XXXX XXXX XXXX XXXX I own on his life. The check was given directly to XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX by me for the annual premium. {$1000.00} was withdrawn from my husbands account permitted by XXXX XXXX  without complete information as can be seen on the check image provided with this complaint. Check XXXX XXXX requires the processing of paper checks to have complete information to identify the transaction date and accounts of the parties Payee/Payer identified. The limited information on the check image indicates that Wells Fargo Bank N.A. is to be the recipient of my annual premium. There is no time stamp of the transaction to substantiate the deposit was made or any other relevant information required to make this transaction legal according to check XXXX XXXX. I expressed my concerns to the NYS Attorney General about the lack of information on the check image. See Wells Fargos response to the NY XXXX where XXXX XXXX states please send the request to the Financial Institution that is servicing the account. Wells Fargo needs to provide the complete information of the transaction by Check XXXX Act so I can be assured that I will not be disenfranchised from my XXXX XXXX policy death benefit should I need to execute it upon the death of my husband due to a hidden transaction into a unknown Wells Fargo N.A. account. Please provide complete details of this transaction in writing or by a complete check image.

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 2025-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CARD Corporation
State: PA

Complaint narrative:
I had multiple charges to my account that I did not authorize. Between the dates of XX/XX/XXXX and XX/XX/XXXX I was in and out of the hospital due to complications of XXXX XXXX. ( I sent in a note from my Doctors showing this to be true. While I was receiving treatment in the hospital, I had a company come to my home to clean and keep things in order. My wallet, laptop, desk computer and phone were all at my home during this time. Someone working for this company used my card to make these transactions without my permission or knowledge. I do not have cameras in my home and because of this, the police said there really is not anything they can do because I do not know exactly who used my cards. This has been a traumatic nightmare that is causing me more stress that I really do not need in my current medical state. I have bills and medication I desperately need to be able to afford and my medical paid time off from work has run out. The bank found there was " no error '' - I am a sick man and this bank is doing nothing to protect their customer. I have gone to the police and they said there is nothing they can do and to contact the bank. I have disputed the transactions and the claim was denied - I appealed and the denied it once again in less than a few hours. I am hoping by filing this claim- it will convince them to do the right thing and return my funds. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: PA

Complaint narrative:
I filed a dispute on { XXXX XXXX, XXXXXXXX XXXX } due to { the reason you selected in your original dispute }. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( experian ). 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting { house, car, etc }. Experian violates my rights as a consumer as well as federal laws.

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 2025-04-02 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: NE

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 2025-04-02 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: NE

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-04-02 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: NE

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I am disputing a charged-off auto loan account reported by Ally Financial ( Account # XXXX ) that appears on my credit report with XXXX, XXXX, and XXXX. 
I have requested the removal of this account due to it potentially being written off and claimed on Ally Financials tax return, as I suspect an IRS Form 1099-C was issued. Under 26 U.S. Code 6050P, if the creditor reported the debt as canceled for tax purposes, it is no longer collectible and should not be actively reported as a charge-off balance.

Continued reporting may be in violation of the Fair Credit Reporting Act ( FCRA ) and may constitute fraudulent or deceptive credit reporting practices ( attempting double recovery on a canceled debt ). 
I have requested a copy of the 1099-C and validation of the debt. If Ally can not provide proof that the debt is still legally owed and collectible, I request that the CFPB assist in having the account permanently removed from my credit report. 
This inaccurate reporting is significantly damaging my credit score and affecting my ability to secure housing and financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: NE

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-04-02 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: NE

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-04-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: MS

Complaint narrative:
American Express charged off a balance of {$1300.00} on this credit card. It still shows with a balance on my credit report. I would like a copy of the 1099 c they received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Subject : Dispute with Chase Failure to Investigate Credit Report Inaccuracy Complaint Details : I disputed an inaccurate charge-off reported by JPMCB Card ( Chase ) on my credit report, which is incorrectly reflecting a balance of {$8800.00}. Despite submitting my dispute, Chase failed to provide verification or correct the inaccuracies, violating my rights under the Fair Credit Reporting Act ( FCRA 611 ).

Chases response to my dispute was dismissed as a duplicate without a proper reinvestigation. This violates my consumer rights under FCRA 1681i, which mandates that creditors and credit bureaus conduct a fair review of disputed items. 

I am requesting the CFPB to : Investigate Chase for failure to verify the debt. 
Ensure Chase complies with FCRA and either validates or deletes the account. 
Hold Chase accountable for unfair reporting practices. 

Supporting Documents : Chases response dismissing my dispute Credit report showing the inaccurate charge-off My original dispute letter I request the CFPB to intervene and demand compliance with FCRA and FDCPA laws to ensure a fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( 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 2025-04-02 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( 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 2025-04-02 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: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( 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 explanation
Consumer complaint received 2025-04-02 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: MS

Complaint narrative:
American Express credit card has charged off a balance of {$1300.00}. I didn't receive the 1099 C that I should have. The account shows charged off and a balance still remains.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: NY

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT 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 2025-04-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
The CARD provider provided the minimum payment distribution. 

They didn't provide how they distribute the additional payments on top of the minimum payment I paid. 

Now they have distributed my additional payments in balances in APR order from lowest to highest.

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 2025-04-02 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: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( 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 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Valon Technologies, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Against Valon Mortgage for Inaccurate Credit Reporting & Lack of Response Dear Consumer Financial Protection Bureau , I am filing a formal complaint against Valon Mortgage for their failure to correct an inaccurate credit report and their lack of response to my dispute. 

Issue Summary : I have an active Forbearance Plan with Valon Mortgage, which began on XX/XX/XXXX, and was extended to end on XX/XX/XXXX. Under this agreement, my mortgage payments have been suspended, and I should not be considered delinquent. However, Valon Mortgage has incorrectly reported my account as 120+ days late to the credit bureaus, severely impacting my credit score. 

Attempts to Resolve : 1. On XX/XX/XXXX, I emailed Valon Mortgage at XXXX ( as directed in their communication ) to request a correction. 
2. I have not received any response or acknowledgment from Valon Mortgage regarding my dispute. 
3. This inaccurate reporting is in violation of Fair Credit Reporting Act ( FCRA ) standards, and their failure to address my concern is unacceptable. 

Requested Resolution : I request that the CFPB intervene and require Valon Mortgage to : 1. Correct my credit report to reflect the accurate forbearance status and remove the 120+ days late status.

2. Update all credit bureaus with the correct information.

3. Provide a written response confirming that the necessary corrections have been made. 

I have attached supporting documentation, including my forbearance agreement and a copy of my incorrect credit report, for your review. Please assist in resolving this matter as soon as possible. 

If additional information is required, I can be reached at XXXX or XXXX. Thank you for your assistance in ensuring fair and accurate credit reporting. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation