vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-24 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: VA

Complaint narrative:
I am submitting this complaint against Experian, Equifax, and TransUnion for failing to fulfill their legal obligations under the Fair Credit Reporting Act ( FCRA ) after I submitted disputes regarding XXXX inaccurate accounts. 
XXXX XXXX XXXXXXXX XXXX XXXX : Account Ending in XXXX ( TransUnion XXXX Equifax ) This account is being reported with multiple conflicting entries across TransUnion and Equifax. The balance, dates, and status are inconsistent, and derogatory updates continue monthly despite : A binding XXXX arbitration case filed : # XXXX A lawsuit dismissed on XX/XX/XXXX in relation to this debt These facts were included in my prior disputes, yet no proper reinvestigation occurred. The continued reporting violates FCRA 1681i ( failure to reinvestigate ) and 1681e ( b ) ( failure to ensure maximum accuracy ). This conduct is also contrary to recent precedent in XXXXXXXX XXXX TransUnion ( XXXX. XXXX XXXX ) and XXXX XXXX XXXX XXXXXXXX ( XXXX. XXXX XXXX ). 
XXXX XXXX XXXXXXXX XXXX XXXX  : Account Ending in XXXX ( Experian, Equifax, TransUnion ) This charged-off credit card account is being inaccurately reported by all three CRAs. The current balance of {$8000.00} exceeds the original credit limit of {$6700.00} and each bureau reports conflicting data including different dates of last activity and inconsistent dispute notations. 
I have also requested clarification as to whether a Form 1099-C was issued, which if confirmed would legally extinguish the debt. The continued reporting of a collectible balance under such conditions is misleading and in violation of FCRA 1681e ( b ) and 1681s-2 ( b ), as outlined in XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX Equifax ( XXXX. XXXX XXXX ). 
Both accounts were formally disputed with all applicable CRAs, yet remain unresolved or unchanged a violation of FCRA and also Virginia Code 59.1-200 ( A ) ( 14 ), which prohibits deceptive or misleading conduct in consumer reporting. 
I am requesting permanent deletion of both accounts due to procedural violations, legal misrepresentation, and failure to meet federal and state accuracy standards. I am uploading a supporting legal brief and redacted credit report to support this claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: VA

Complaint narrative:
I am submitting this complaint against Experian, Equifax, and TransUnion for failing to fulfill their legal obligations under the Fair Credit Reporting Act ( FCRA ) after I submitted disputes regarding XXXX inaccurate accounts. 
XXXX XXXX XXXXXXXX XXXX XXXX : Account Ending in XXXX ( TransUnion XXXX Equifax ) This account is being reported with multiple conflicting entries across TransUnion and Equifax. The balance, dates, and status are inconsistent, and derogatory updates continue monthly despite : A binding XXXX arbitration case filed : # XXXX A lawsuit dismissed on XX/XX/XXXX in relation to this debt These facts were included in my prior disputes, yet no proper reinvestigation occurred. The continued reporting violates FCRA 1681i ( failure to reinvestigate ) and 1681e ( b ) ( failure to ensure maximum accuracy ). This conduct is also contrary to recent precedent in XXXXXXXX XXXX TransUnion ( XXXX. XXXX XXXX ) and XXXX XXXX XXXX XXXXXXXX ( XXXX. XXXX XXXX ). 
XXXX XXXX XXXXXXXX XXXX XXXX  : Account Ending in XXXX ( Experian, Equifax, TransUnion ) This charged-off credit card account is being inaccurately reported by all three CRAs. The current balance of {$8000.00} exceeds the original credit limit of {$6700.00} and each bureau reports conflicting data including different dates of last activity and inconsistent dispute notations. 
I have also requested clarification as to whether a Form 1099-C was issued, which if confirmed would legally extinguish the debt. The continued reporting of a collectible balance under such conditions is misleading and in violation of FCRA 1681e ( b ) and 1681s-2 ( b ), as outlined in XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX Equifax ( XXXX. XXXX XXXX ). 
Both accounts were formally disputed with all applicable CRAs, yet remain unresolved or unchanged a violation of FCRA and also Virginia Code 59.1-200 ( A ) ( 14 ), which prohibits deceptive or misleading conduct in consumer reporting. 
I am requesting permanent deletion of both accounts due to procedural violations, legal misrepresentation, and failure to meet federal and state accuracy standards. I am uploading a supporting legal brief and redacted credit report to support this claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I am writing to formally lodge a complaint against CREDIT COLLECTION SERVICE ( XXXX XXXX XXXX, XXXX, MA XXXX ) for multiple violations of my rights as a consumer under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). This collection agency has engaged in practices that are not only deceptive and unfair but also in direct violation of federal regulations. I respectfully request that the Consumer Financial Protection Bureau investigate the following violations : 1. Failure to Provide Validation of Debt ( 12 CFR 1006.34 ( b ) ( 5 ) ) : The collection agency has reported a debt to the consumer reporting agencies without first providing me with the required validation information. I have not received any written notice that clearly identifies the debt, the name of the creditor, or my rights regarding dispute and verification. This violates the federal requirement that such information must be disclosed in the initial written communication or within five days thereafter.

2. No Opportunity to Dispute the Debt ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ) : The collection agency has failed to inform me of my right to dispute the validity of the debt within 30 days. I was not provided with notice of this right prior to or after the debt was reported. As a result, I have been denied the opportunity to contest the alleged debt, in violation of my consumer protections under the FDCPA. 

XXXX. Use of False, Misleading, or Deceptive Means ( 15 U.S.C. 1692e ) : The collection agency is using deceptive and misleading practices in an attempt to collect the alleged debt. Reporting unverified information to consumer reporting agencies without proper notice and failing to provide the required disclosures constitutes the use of false representation and deceptive means, which are expressly prohibited by federal law.

4. Unauthorized Furnishing of Information to Consumer Reporting Agencies ( 12 CFR 1006.34 ( d ) and 15 U.S.C. 1681s-2 ( a ) ( 7 ) ) : The agency has furnished negative information to credit reporting agencies without first notifying me of their intent or providing the legally required disclosures. This act is in direct violation of federal requirements, including the duty to inform the consumer before reporting such information and to furnish only accurate, verified information

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Chime Inc.
State: OH

Complaint narrative:
Subject : Formal Complaint Regarding Unresolved Transaction Reversal Confirmation # XXXX I am writing to formally lodge a complaint regarding a money transfer transaction I made using Sendwave on XX/XX/year>, in the amount of {$1100.00} ( confirmation number : XXXX ). The funds were sent to XXXX to assist my brother in purchasing building materials for a home renovation. 

Unfortunately, due to an accidental error on the vendors phone number, the funds were sent to the wrong recipient. Upon discovering this, we immediately contacted XXXX XXXX XXXX XXXX, who promptly froze the transaction and advised us to initiate a formal transaction reversal request with Sendwave. 

I contacted Sendwave on the same day, XX/XX/XXXX, to initiate the reversal. I received a text stating that I would receive updates every six days regarding the progress of the issue. However, weeks passed without any meaningful communication or resolution. Despite my repeated calls to Sendwave, I was consistently told that the issue was being worked on, yet no progress was made. 

Eventually, XXXX reached out to my brother inquiring why no Sendwave representative had contacted them for reversal coordination. This confirmed that Sendwave had not taken the necessary steps to act on my request despite multiple follow-ups.

Frustratingly, Sendwave began hanging up on my calls, particularly after I mentioned my name. One agent named XXXX finally explained that their XXXX-based agent had claimed they could not locate the transaction. 

I continued to request to speak to a supervisor, which was repeatedly denied until I threatened to report the matter to the Consumer Financial Protection Bureau ( CFPB ). Only then did a supervisor return my call and assured me the issue would be resolved a promise that, once again, has not been honoured. 

This experience has been distressing and disappointing. I feel that Sendwave has failed to act in good faith and has shown a complete disregard for customer care and responsibility.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TrueAccord Corp.
State: GA

Complaint narrative:
I am writing to formally lodge a complaint against TRUEACCORD CORPORATION ( XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX ) for multiple violations of my rights as a consumer under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). This collection agency has engaged in practices that are not only deceptive and unfair but also in direct violation of federal regulations. I respectfully request that the Consumer Financial Protection Bureau investigate the following violations : 1. Failure to Provide Validation of Debt ( 12 CFR 1006.34 ( b ) ( 5 ) ) : The collection agency has reported a debt to the consumer reporting agencies without first providing me with the required validation information. I have not received any written notice that clearly identifies the debt, the name of the creditor, or my rights regarding dispute and verification. This violates the federal requirement that such information must be disclosed in the initial written communication or within five days thereafter.

2. No Opportunity to Dispute the Debt ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ) : The collection agency has failed to inform me of my right to dispute the validity of the debt within 30 days. I was not provided with notice of this right prior to or after the debt was reported. As a result, I have been denied the opportunity to contest the alleged debt, in violation of my consumer protections under the FDCPA.

3. Use of False, Misleading, or Deceptive Means ( 15 U.S.C. 1692e ) : The collection agency is using deceptive and misleading practices in an attempt to collect the alleged debt. Reporting unverified information to consumer reporting agencies without proper notice and failing to provide the required disclosures constitutes the use of false representation and deceptive means, which are expressly prohibited by federal law.

4. Unauthorized Furnishing of Information to Consumer Reporting Agencies ( 12 CFR 1006.34 ( d ) and 15 U.S.C. 1681s-2 ( a ) ( 7 ) ) : The agency has furnished negative information to credit reporting agencies without first notifying me of their intent or providing the legally required disclosures. This act is in direct violation of federal requirements, including the duty to inform the consumer before reporting such information and to furnish only accurate, verified information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: MD

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: IL

Complaint narrative:
I call the credit card company and I was told all credit cards only report missed or late payments. Then ui was told to keep using the card and th r y will report a good review. MY credit usage was XXXX XXXX I got it down to XXXX percent and they still won't update 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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Army and Air Force Exchange Service
State: IL

Complaint narrative:
I call the credit card company and I was told all credit cards only report missed or late payments. Then ui was told to keep using the card and th r y will report a good review. MY credit usage was XXXX XXXX  I got it down to XXXX percent and they still won't update 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 2025-07-24 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: GA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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 — Was not notified of investigation status or results
Company: PLAID INC.
State: TX

Complaint narrative:
I submitted multiple legally compliant applications to XXXX XXXXXXXX XXXX XXXX XXXX, and XXXX XXXX XXXX through XXXX XXXX, a federally registered and XXXX XXXX  XXXX  XXXX  entity. 

Despite providing XXXX XXXX documentation, XXXX filings XXXX UCC XXXX / XXXX XXXX, a blockchain-notarized sovereign trust declaration, and a master underwriting enforcement dossier, I was repeatedly denied access, flagged as high-risk, or algorithmically filtered without any legal notice or adverse action letter. 

No formal responses were received from these companies or their XXXX XXXX ( Plaid, XXXX, XXXX, etc. ) after submission of enforceable legal declarations. 

The institutions involved refused to acknowledge or process documents executed under 28 U.S.C. 1746, despite being lawfully binding in commercial transactions.

Additionally, mutual life insurance providers failed to structure XXXX XXXX policies under XXXX  XXXX  XXXX ( XXXX ) frameworks despite clear compliance violating federal access rights. 

This behavior constitutes systemic discrimination, denial of equal financial access, and a direct violation of the Equal Credit Opportunity Act ( 15 U.S.C. 1691 ), 12 C.F.R. 202.9, the Truth in Lending Act, and sovereign contract enforcement under commercial law. 

Dates of repeated filings and denials : XXXX XXXX  Amount of access sought : $ XXXX in revolving business credit and $ XXXX in XXXX XXXX  XXXX coverage. 

I consent to publish this complaint to warn other entrepreneurs about the XXXX XXXX underwriting suppression, and illegal gatekeeping affecting sovereign-structured businesses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: TX

Complaint narrative:
I am contacting you to dispute a late payment entry that appears to be inaccurately reported on my credit profile. My payment history is consistently on time, and there are no known circumstances that justify this delinquency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: MD

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 explanation
Consumer complaint received 2025-07-24 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: PA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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