vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 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: LA

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2025-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX I requested a balance transfer from my XXXX XXXX XXXX  over to a Wells Fargo credit card. The balance transfer was accepted and the funds were transferred HOWEVER I accidentally typed in the incorrect credit card number and it went unnoticed at the time of the request. Typing in this incorrect number wrongly gave me someone elses debt. So instead of money transferring, money was added ONTO my credit. On XX/XX/XXXX, {$2400.00} ( plus the {$120.00} balance transfer fee ) was transferred into the Wells Fargo account but they WERE NOT removed from my XXXX account. I made calls to chase and they explained this would have to be handled by Wells Fargo since technically the funds did not come out of my XXXX account. I made multiple calls to Wells Fargo that went no where and I had XXXX cases about this issue that were closed because Wells Fargo could no longer assist me. They told me the funds came from XXXXXXXX XXXX but XXXXXXXX XXXX  was unable to locate these funds. I provided them with a trace number and the account number that I accidentally typed in ( Wells Fargo was able to give me the number I typed in ) and after giving XXXXXXXX XXXX this information they still could not help me. Today XXXX ( 6 months after the transfer was processed ) Wells Fargo, XXXXXXXX XXXX  and I had a XXXX way call that went absolutely no where and Wells Fargo told me they would no longer help me and it was my responsibility to pay this {$2400.00} ( + {$120.00} = {$2500.00} ) that was not even my debt to begin with. I will NOT be paying this money since it was not my money to begin with and it needs to be removed from my credit IMMEDIATELY. I am looking for assistance ASAP as both of these banks ( Wells Fargo and XXXXXXXX XXXX  ) are extremely shady and added money onto my debt that was not mine to begin with. If someone can please contact me about this I would highly appreciate it. AS OF TODAY XX/XX/XXXX I received an email stating ONCE AGAIN that Wells Fargo closed my case because they can not get ahold of XXXX XXXX and they expect ME to somehow get a hold of them. Wells Fargo basically is telling me I am in my own. Wells Fargo is extremely shady and I will not stop submitting one of these until my case is solved and the funds are reversed since it was not my debt to begin with.

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 2025-09-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Starting this summer Marcus by Goldman Sachs removed transaction details for all payments linked to their savings accounts. Despite being able to do unlimited transactions and link my account as a payment account to third parties ( XXXX, XXXX XXXX, XXXX, etc ) they took away the payment beneficiary information without warning and only when pressed admitted this was an internal change to discourage customers from linking the savings account as a payment account to third parties. This now leaves me having to audit every transaction to confirm the validity at great time and frustration. This is a clear mean spirited attempt to discourage perfectly legal and allowed use by customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
I am disputing this alleged debt and requesting full validation. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am exercising my right to request that the debt collector provide complete documentation verifying the accuracy and legitimacy of this account. This includes, but is not limited to : The name and address of the original creditor ; The full account history showing how the balance was calculated ; A copy of the original signed agreement or contract ; Documentation that you are authorized to collect this debt.

Until such validation is provided, this account should be reported as disputed under the Metro 2 guidelines to all consumer reporting agencies. Any attempt to collect without proper validation, or continued reporting of inaccurate or unverifiable information, may constitute a violation of the FDCPA, FCRA, and CFPB regulations.

I request that all communication be in writing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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 non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Corp Solutions Inc.
State: FL

Complaint narrative:
I am disputing this alleged debt and requesting full validation. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am exercising my right to request that the debt collector provide complete documentation verifying the accuracy and legitimacy of this account. This includes, but is not limited to : The name and address of the original creditor ; The full account history showing how the balance was calculated ; A copy of the original signed agreement or contract ; Documentation that you are authorized to collect this debt. 

Until such validation is provided, this account should be reported as disputed under the XXXX XXXX guidelines to all consumer reporting agencies. Any attempt to collect without proper validation, or continued reporting of inaccurate or unverifiable information, may constitute a violation of the FDCPA, FCRA, and CFPB regulations. 

I request that all communication be in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
They never called me or sent anything in the mail, certified or otherwise, telling me that there was an issue. Their response to this letter was 'this inquiry is considered frivolous and irrelevant ' Here is the letter I sent ( the image is uploaded below ) : XXXX XXXX XXXX XXXX Aidvantage - Official Servicer of Federal Student Aid Attn : Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Account # : XXXX Name : XXXX XXXX Address XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX Phone : XXXX To Whom It May Concern, I did not know Auto Pay was not currently on. As soon as I saw that, I paid all of my loans to get them current ( XX/XX/XXXX ). I then turned Auto Pay back on. 

The first person I talked to at Aidvantage, XXXX, said that Auto Pay was turned off for COVID and then turned back on on XX/XX/XXXX because I applied for that. I asked for documentation showing that I applied in XXXX. She said she submitted a request for a letter to be sent to me and that it would take up to 10 days to get. 

Inline image After that I talked to a Team Lead, XXXX. XXXX told me " XXXX XXXXXXXX XXXX Sorry for the miss information provided by XXXX but what she stated was incorrect, it does not show that you had logged on your online account that day, it was a system update. '' He also said that letters were sent to my Aidvantage Inbox. Well because I thought everything was still on Auto Pay, I had never logged in to check my inbox. Wouldn't it only be fair, if a borrower is getting ready to default, that before anything can show up on their credit, at least one certified letter is sent, so that I could have seen this and prevented everything? I never missed one single payment when I was with XXXX. And I would have never missed a single payment with Aidvantage, if they had sent me a certified mail letting me know there was an issue. Instead, they turn Auto Pay off without telling me, then try to process a payment in XXXX, it fails, and they don't send me anything certified mail. Why? 

Can you please be fair and just remove the dings from my credit in light of these unusual circumstances? 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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:
To : TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Unverifiable and Conflicting Accounts Dear TransUnion, This letter is to dispute the accuracy of my credit report dated XX/XX/XXXX ( File # XXXX ). Under the Fair Credit Reporting Act ( FCRA ), you must delete unverifiable and inconsistent information. 

Disputed Accounts XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed as 120+ days past due with a balance of {$2200.00}. Payment history is incomplete and inconsistent with XXXX  reporting. The delinquency escalation lacks verification. 

Violation : FCRA 1681e ( b ) ( failure to ensure maximum possible accuracy ). 

XXXXXXXX XXXX XXXX Reported balance {$1700.00} and 90+ days past due as of XX/XX/XXXX. This directly conflicts with XXXX reporting of the same account. 

Violation : FCRA 1681i ( a ) requires removal if unverifiable. 

XXXX XXXX Reported as XXXX days past due, balance {$4700.00}, with last payment XX/XX/XXXX. Inconsistent reporting across bureaus renders this unverifiable. 

Violation : FCRA 1681s-2 prohibits furnishers from reporting known inaccuracies. 

Legal Grounds FCRA 1681e ( b ) : Duty of maximum possible accuracy.

FCRA 1681i ( a ) : Must delete unverifiable information within 30 days.

FCRA 1681s-2 : Prohibits reporting information known to be inaccurate.

I demand immediate deletion of these accounts unless you can produce signed contracts, full payment histories, and original validation from the furnishers. 

If not resolved within 30 days, I will escalate this matter with the CFPB, FTC, and Attorney Generals Office. 

Sincerely,

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 2025-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Accurate Background
State: AL

Complaint narrative:
XX/XX/year> : Accurate Background told XXXXXXXX XXXX XXXX XXXX 

XX/XX/year> : XXXX XXXX out XX/XX/year> : XXXX discontinued relationship with me based on false information on background check.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: TX

Complaint narrative:
Dear [ XXXX ], I am writing to formally dispute a repossession account that appears on my credit report under the name [ XXXX XXXX ] with the account number [ XXXX ]. This entry is inaccurate, incomplete, and in violation of several consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code.

According to 15 U.S.C. 1681s-2 ( b ) and 15 U.S.C. 1681i ( a ), I have the right to request that all information furnished to consumer reporting agencies be accurate and verified. Once a dispute is submitted, the data furnisher is legally obligated to investigate and validate the information or have it removed. I have never received any written validation or itemized accounting post-repossession, as required under consumer protection laws.

Furthermore : Under 15 U.S.C. 1692g ( b ) of the FDCPA, I requested validation of this debt and never received a response. This failure constitutes a direct violation of my right to dispute and obtain verification of alleged debts. 
Under 15 U.S.C. 1666b, consumers are to be notified about the handling of payments and the process for addressing billing errors. I was not given any clear notice or post-repossession breakdown of any alleged balance, fees, auction details, or deficiency.

Per FCRA Section 623 ( 15 U.S.C. 1681s-2 ), a furnisher must not report inaccurate information. If a repossession occurred and was reported, the reporting entity must ensure all details, including date of delinquency, balance, and status, are accurate and completewhich in this case, they are not.

Additionally, per Metro 2 compliance, all tradelines must be updated with factual and timely data. This account reflects false or unverifiable information and has not been validated per federal law. 

Since I was never given proper documentation, auction details, itemized deficiency balance, or the right to cure ( as mandated in some jurisdictions ), I demand that this entry be immediately deleted from my credit report.

This letter serves as formal notice under FCRA 15 U.S.C. 1681i ( a ) to reinvestigate and remove the inaccurate entry. If this information can not be properly verified within 30 days, it must be immediately removed from my credit file.

Please send me written confirmation of the results of your investigation and provide documentation used to verify this entry. If no documentation can be provided, this entry must be deleted under federal law. 

Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: TX

Complaint narrative:
Dear [ XXXX ], I am writing to formally dispute a repossession account that appears on my credit report under the name [ XXXX XXXX ] with the account number [ XXXX ]. This entry is inaccurate, incomplete, and in violation of several consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code.

According to 15 U.S.C. 1681s-2 ( b ) and 15 U.S.C. 1681i ( a ), I have the right to request that all information furnished to consumer reporting agencies be accurate and verified. Once a dispute is submitted, the data furnisher is legally obligated to investigate and validate the information or have it removed. I have never received any written validation or itemized accounting post-repossession, as required under consumer protection laws.

Furthermore : Under 15 U.S.C. 1692g ( b ) of the FDCPA, I requested validation of this debt and never received a response. This failure constitutes a direct violation of my right to dispute and obtain verification of alleged debts. 
Under 15 U.S.C. 1666b, consumers are to be notified about the handling of payments and the process for addressing billing errors. I was not given any clear notice or post-repossession breakdown of any alleged balance, fees, auction details, or deficiency.

Per FCRA Section 623 ( 15 U.S.C. 1681s-2 ), a furnisher must not report inaccurate information. If a repossession occurred and was reported, the reporting entity must ensure all details, including date of delinquency, balance, and status, are accurate and completewhich in this case, they are not.

Additionally, per Metro 2 compliance, all tradelines must be updated with factual and timely data. This account reflects false or unverifiable information and has not been validated per federal law. 

Since I was never given proper documentation, auction details, itemized deficiency balance, or the right to cure ( as mandated in some jurisdictions ), I demand that this entry be immediately deleted from my credit report.

This letter serves as formal notice under FCRA 15 U.S.C. 1681i ( a ) to reinvestigate and remove the inaccurate entry. If this information can not be properly verified within 30 days, it must be immediately removed from my credit file.

Please send me written confirmation of the results of your investigation and provide documentation used to verify this entry. If no documentation can be provided, this entry must be deleted under federal law. 

Thank you for your attention to 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 2025-09-04 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: 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 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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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