vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-15 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: SLM CORPORATION
State: NC

Complaint narrative:
I learned about this Sallie Mae loan in XXXX when it showed up negatively on my credit report due to delinquent payments. I called Sallie Mae and told them that this is not my loan and I have never even been to college. Come to find out the loan was taken out back in XXXX of XXXX and has had the payments deferred all this time. Sallie Mae told me the loan was taken out by someone in XXXX Texas at this address ( XXXX XXXX XXXX XXXX Texas ) and the school is XXXX XXXX XXXX. This person used my address, name, SSN, a email that I do not know of and my birthdate to get the loan. Sallie Mae sent us a fraud packet to have a police officer fill out and send back. We tried to do this however my local police said that this needed to be done in XXXX. We did file a police report locally as well as a report over the phone with XXXX XXXX  for the county of that address. I have also filed a dispute with the credit bureaus. I have never lived in Texas and have never taken out a Sallie Mae loan. Please investigate this further bc it was not done by me and it is hugely and negatively effecting my credit. I have also tried to file a FTC report but the " government shutdown '' has the websites down and i can not do it at this time. Sallie Mae has since charged off the loan and it is now in collections. I will include the loan documents and the local police report. I am still waiting on the finished report from the sheriff in XXXX TX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  TX XXXXEquifax Information Services, LLCXXXX XXXX XXXX GA XXXXSubject: Formal Dispute of Inaccurate/Negative Items Under FCRA  Request for Immediate DeletionXXXXDear Equifax,XXXX am writing to formally dispute 1 inaccurate, unverifiable, and outdated item listed on my credit report. Under the Fair Credit Reporting Act (FCRA), I am entitled to a fair, accurate, and substantiated credit file. I am also protected under the Fair and Accurate Credit Transactions Act (FACTA) from the harmful impact of identity theft and data misuse.XXXXGiven the Equifax data breach of XXXX, in which the personal information of oveXXXX XXXX XXXX XXXXXXXXincluding names, Social Security numbers, dates of birth, and addresseswas compromised, and the more recent "Mother of All Breaches" XXXX XXXX XXXX as well as the XXXX XXXX  breach exposing over XXXX XXXX  passwords and credentials, it is no longer reasonable to assume that every item on a credit report genuinely belongs to the consumer without independent verification.\nDue to the magnitude and frequency of these massive data breaches, I am requesting that the following accounts be thoroughly investigated and permanently deleted from my credit file if any of the information cannot be 100% verified with original source documentationXXXXAccounts in DispuXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAccording to the FCRAXXXXXXXXYou must complete your reinvestigation within 30 days of receiving this dispute.XXXX an item cannot be verified, it must be deleted from my credit report.XXXXYou are also required to notify me in writing of the results of your investigationXXXXAdditionally, I demand you provide:XXXXtThe name, address, and contact information of each data furnisher for the accounts in questionXXXXA description of the procedure used to determine the accuracy and completeness of the information.\n3.\tProof of my authorization or contractual obligation for the items listedespecially in light of known breaches and potential fraudulent use of personal dataXXXXFailure to respond within 30 days will result in formal complaints being filed with the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), and my state Attorney Generals office.\nAs a consumer exercising my rights under federal law, I expect your full compliance with the FCRA and FACTA. This is not a frivolous disputethis is a good-faith effort to correct a credit report marred by inaccurate and potentially fraudulent information.\nPlease confirm receipt of this letter and inform me once the disputed information is deleted.\nSincerely,XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
On XX/XX/year>, a {$1700.00} collection account allegedly tied to XXXX was reported on my credit file through XXXX XXXX XXXX  XXXX In XX/XX/year>, I disputed this account under the Fair Credit Reporting Act ( FCRA 609, 611, and 623 ). I requested the original signed service contract, billing statements, and proof authorizing XXXX XXXX XXXX to collect or report on behalf of XXXX XXXX XXXX did not provide this documentation. Because the debt remains unverified and incomplete, its continued reporting is inaccurate, causes financial harm, and violates the FCRA. I request CFPB require XXXX to either delete the account or provide full, verifiable proof.

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 2025-10-15 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: TX

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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.

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: TX

Complaint narrative:
On XX/XX/year>, I initiated a transfer of {$9000.00} from my account at XXXX XXXX XXXX to my account at XXXX, utilizing the company TransferWise. Their system malfunctioned and the money was sent with an incorrect routing and account number. After much back and forth between XXXX and TransferWise, I was able to get TransferWise to recall the transaction. I called XXXX and they confirmed the transaction recall was successful. However, TransferWise has not refunded my money, explaining they haven't received the funds from their " partner institution ''. 
The transaction ID is XXXX XXXX And the trace ID is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: UPGRADE, INC.
State: OH

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX DC XXXX Subject : Formal Complaint Against Upgrade Inc . Refusal to Issue IRS Form 1099-C for Charged-Off Accounts Dear Consumer Financial Protection Bureau , I am submitting this formal complaint against Upgrade Inc. for their deliberate refusal to issue IRS Form 1099-C ( Cancellation of Debt ) for multiple accounts that have been charged off and reported to the credit bureaus, specifically : Account No. XXXX Account No. XXXX Account No. XXXX Upgrade Inc. has reported these accounts as charged off, which indicates the cessation of collection activity and the discharge of debt for accounting purposes. Despite that, the company has failed to issue the mandatory 1099-C forms to both me and the IRS as required by law.

Legal Authority XXXX XXXX. XXXX and XXXX XXXX XXXXXXXX Establish the legal duty of creditors to issue Form 1099-C when a debt of {$600.00} or more is canceled or discharged.

12 U.S.C. 5531 Prohibits covered persons or service providers from engaging in unfair, deceptive, or abusive acts or practices in connection with consumer financial products or services.

15 U.S.C. 1681s-2 ( a ) Imposes a duty on furnishers of information to ensure the accuracy and integrity of information provided to consumer reporting agencies.

15 U.S.C. 1692e Prohibits false, deceptive, or misleading representations in connection with debt collection, including misrepresenting the legal or tax status of a debt.

Upgrade Inc.s refusal to issue a Form 1099-C while simultaneously reporting the debt as charged off is a material misrepresentation and violates both federal tax and consumer protection laws. This omission misleads consumers and interferes with accurate tax and credit reporting.

Requested Action I respectfully request that the CFPB initiate an investigation into Upgrade Inc. for its willful noncompliance with IRS reporting requirements, its failure to maintain accurate credit information, and its engagement in deceptive and unfair practices. I also request that the XXXX XXXX XXXX XXXX to : XXXX. Issue the required 1099-C forms for all charged-off accounts ; and 2. Correct any inaccurate or incomplete credit reporting associated with those accounts.

Thank you for your prompt attention and action in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a previous address on my credit report. Specifically, the address listed as XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX is incorrect and does not belong to me. This address was mistakenly reported on my credit file and violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681e ( b ), which mandates that credit reports be accurate. Upon reviewing my credit report, I noticed that this erroneous address is still being reported, despite the fact that it does not pertain to my personal history. The presence of this incorrect address on my report is misleading and could negatively impact my creditworthiness, as it inaccurately associates my credit file with an address that I have never used or lived at. This situation violates the FCRAs requirement for maximum possible accuracy and timely correction of inaccurate information. Under the FCRA, I am entitled to have my credit report reflect only accurate and verified information about my personal history. It is essential that this false address be removed immediately to ensure that my credit report accurately reflects my identity and residence history. I request that this incorrect address be removed from my credit report and that my report be corrected immediately. I expect written confirmation of the correction, as required under 15 U.S.C. 1681i ( a ), and I also request an explanation of the steps taken to ensure the accuracy of my credit report moving forward. This address was reported without my authorization, and I did not give permission for it to be included in my credit file. Furthermore, I attempted to file an FTC Identity Theft Report to properly address this matter, but the FTC website is currently unavailable due to a government shutdown. This disruption has limited my ability to file a report with the FTC, which should not hinder the correction of this 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 explanation
Consumer complaint received 2025-10-15 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: CA

Complaint narrative:
THIS ACCOUNT HAS BEEN REPORTED INCORRECTLY AS LATE.

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 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: DISCOVER BANK
State: GA

Complaint narrative:
On my XXXX  credit report, Discover Card XXXX listed a charge-off balance of {$590.00}, but I was never sent a 1099-C form for cancellation of debt. If they truly charged off the debt and canceled it, they should have issued a 1099-C. If they didnt cancel it, then it shouldnt be reported as charged off while still showing a balance owed.This situation feels completely misleading and unfair. Ive tried to resolve it but havent gotten any answers or proper documentation. This has negatively impacted my credit and Im extremely frustrated.

Im requesting the following : A copy of the 1099-C ( if one exists ) Proof that the chargeoff is valid and accurately reported.

Immediate correction or removal from my credit report if this cant be verified I believe this violates my rights under the Fair Credit Reporting Act, and Im prepared to pursue further legal action if this isnt addressed.

Please investigate this and get back to me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I got a notification that there was suspicious activity on my account and to call chase so I did that same day. After calling I was told I am dropped as a client and my money will be sent to me via cashiers check that was over 5 months ago. I have called repeatedly and been transferred to various departments and none have given any information or timeline as to what is happening with the money. All they say is that it is there internal processes reviewing the account and funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: TX

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

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 2025-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
We opened a new joint checking account with Citi Bank. According to the sign up offer, we would receive a {$320.00} bonus after signing up for direct deposit, and make at least XXXX direct deposits totaling at least {$3000.00} within 90 days. 

After several attempts to call our branch directly I was only ever re-routed to the automated phone tree and call center, who claimed to have no knowledge of the terms and couldnt help me. 

Thank you, 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 2025-10-15 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXTransUnion Consumer SolutionsXXXX XXXX XXXX XXXX XXXX  Formal Dispute of Inaccurate/Negative Items Under FCRA  Request for Immediate Deletion\nDear TransUnion,\nI am writing to formally dispute 1 inaccurate, unverifiable, and outdated item listed on my credit report. Under the Fair Credit Reporting Act (FCRA), I am entitled to a fair, accurate, and substantiated credit file. I am also protected under the Fair and Accurate Credit Transactions Act (FACTA) from the harmful impact of identity theft and data misuse.\nGiven the XXXX  data breach oXXXX XXXX XXXXn which the personal information of over 1XXXX XXXX XXXXncluding names, Social Security numbers, dates of birth, and addresseswas compromised, and the more recent "Mother of All Breaches" (MOAB) in XXXX, as well as the XXXX XXXX  breach exposing oveXXXX XXXX XXXX XXXXwords and credentials, it is no longer reasonable to assume that every item on a credit report genuinely belongs to the consumer without independent verification.\nDue to the magnitude and frequency of these massive data breaches, I am requesting that the following accounts be thoroughly investigated and permanently deleted from my credit file if any of the information cannot be 100% verified with original source documentation:\nAccounts in DisputeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnAccording to the FCRA:\n\tYou must complete your reinvestigation within 30 days of receiving this dispute.\n\tIf an item cannot be verified, it must be deleted from my credit report.\n\tYou are also required to notify me in writing of the results of your investigation.\nAdditionally, I demand you provide:\n1.\tThe name, address, and contact information of each data furnisher for the accounts in question.\n2.\tA description of the procedure used to determine the accuracy and completeness of the information.\n3.\tProof of my authorization or contractual obligation for the items listedespecially in light of known breaches and potential fraudulent use of personal data.\nFailure to respond within 30 days will result in formal complaints being filed with the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), and my state Attorney Generals office.\nAs a consumer exercising my rights under federal law, I expect your full compliance with the FCRA and FACTA. This is not a frivolous disputethis is a good-faith effort to correct a credit report marred by inaccurate and potentially fraudulent information.\nPlease confirm receipt of this letter and inform me once the disputed information is deleted.\nSincerely,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 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This account was paid in full, yet it continues to reflect late payment marks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
A gentleman with a unknown name claiming to be representing wells Fargo from the phone number ( XXXX ) XXXX EXT XXXX Claiming that I wrote a hot check and committed social security fraud. The only loan I had from wells Fargo was a loan to purchase a RV back in 2020 I had never written a check and I never received social security. 
He would not provide his name or the company he was working for. He threatened to take me to jail for non-payment and also called my XXXX XXXX and XXXX XXXX and threatened to take tXX/XX/XXXX XXXX. if payment couldn't be made. My mother and Aunt are only contact references they are not cosigners. and have no obligation or involvement with the loan. 
I informed the man I'm unemployed / XXXX and currently have no money. He told me good luck. and right after attempted to contact my aunt XXXX a XXXX time after hanging up with me.

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 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Experian has failed to correct or remove multiple inaccurate and outdated accounts that I have disputed repeatedly over several months. Despite submitting documentation, certified-mail receipts, and screenshots proving ongoing errors, Experian continues to report accounts that were closed years ago, as well as duplicate and unverifiable tradelines.

Experian has repeatedly issued generic verified as accurate responses without providing any written verification or proof of reinvestigation as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) and 1681e ( b ). Several of these accounts have been disputed through certified mail, the Experian portal, and by phone, yet no proper correction or deletion has been made.

The inaccuracy and lack of transparency have caused harm to my credit profile, resulting in financial denials and ongoing damage. I am requesting immediate deletion or verified correction of all disputed accounts and inquiries, along with written confirmation of the method of verification for each tradeline.

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 2025-10-15 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: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation