vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
While traveling in XXXX, I purchased a rug for {$1300.00} on XX/XX/year>. The merchant advised that the item would be delivered XXXX weeks after the purchase however that ended up being not the case. 

I have contacted the seller multiple times ( inquiring on the status of the items delivery ) but never received a response. I filed the initial dispute with Chase on the grounds of non-delivery. The merchant responded to this dispute pointing out the fine print in the contract indicating they had XXXX weeks to deliver the items. A Chase representative called me on XX/XX/year> to advise me that my dispute would be declined however if the merchant doesnt deliver the item within XXXX weeks I should contact the card issuer immediately to re-open the investigation. 

A few weeks later the merchant delivered the rug and it was damaged. I refused the delivery and the merchant agreed to issue a full refund. They took the rug with them. Despite repeated communication and proof on my part, the refund was never issued. I submitted all relevant evidence, including correspondence with the merchant, pictures of the damaged item, communication with the merchant agreeing to issue the refund, etc. to the Chase Card Dispute team, expecting fair review and resolution. 

Instead, I was extremely disappointed to learn that my dispute was declined again based on misleading information provided by the merchant. Whats most concerning is that Chase appears to have taken the merchants word over the documented facts provided by their own customer. 

Now I am in the situation where I was charged {$1300.00} charge for something that I dont physically possess/own.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Carter-Young, Inc.
State: GA

Complaint narrative:
I disputed an alleged debt with Carter-Young, Inc. and requested validation under the FDCPA. Carter-Young failed to provide proof that the debt was legally assigned or transferred to them. Despite the debt remaining disputed and unvalidated, Carter-Young reported this account to all three credit bureaus.

Reporting a disputed and unvalidated debt constitutes unlawful collection activity under FDCPA 1692g ( b ) and inaccurate furnishing of information under FCRA 623 ( a ) ( 3 ). Carter-Young continues to report this debt without establishing legal standing to collect.

I am requesting that Carter-Young cease collection activity, delete the account from all three credit bureaus, and provide written confirmation that the account is closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: FL

Complaint narrative:
I am submitting this complaint because there are inaccurate or unverifiable items being reported by the XXXX major credit bureaus. I am requesting a full investigation and correction/removal of these items as required under the Fair Credit Reporting Act ( FCRA ). 
XXXX. Personal / Previous Address Discrepancies There are inconsistent addresses listed under my Equifax file. 
Addresses listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please verify and correct these entries to reflect only accurate and relevant address history. 

XXXX. Charged-Off Accounts I am disputing charged-off accounts listed under my Equifax report. 
Please provide full documentation and validation. If not verifiable, remove from my report. 
( Add accounts once identified. ) XXXX. Hard Inquiries I am disputing multiple inquiries that I did not authorize. Please investigate and delete all that can not be verified. 

Inquiries in dispute 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Late Payments Accounts in dispute : XXXX ( Account XXXX. XXXX ) Please verify or delete the inaccurate payment reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: TX

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 XXXX  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. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of XXXX Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I contacted Trans Union on XX/XX/year> in regards to why Trans Union refuses to label XXXX creditors that were discharged in XXXX XXXX bankruptcy as closed after both creditors kashable and XXXX sent correspondence to Trans Union telling them of the date of the closures, the trans Union XXXX told me that even though XXXX and XXXX told XXXX the dates that the accounts were closed due to XXXX XXXX they were not given a remarks code so both discharged creditors are currently showing as open and derogatory on my credit report after discharge of XXXX XXXX. The only remedy that the Trans Union representative gave me was to do another dispute for the same situation that has been repeatedly disputed XXXX times previous most recently XXXX XXXX That conversation was recorded by TransUnion

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 2025-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Beginning in XX/XX/year>, I sent multiple written requests by certified mail to third-party debt collectors seeking verification of their legal authority to collect and accurate reporting information related to alleged credit card debts. 

In one matter, XXXX XXXX Bank, XXXX. and XXXX XXXX XXXX XXXX both asserted collection rights over the same charged-off credit card account. XXXX XXXX continued to report and request payment, while XXXX XXXX XXXX XXXX issued a settlement offer for the same balance. I requested documentation from both entities establishing which party actually owns the debt or has lawful authority to collect it. Despite receiving my certified requests, neither XXXX XXXX XXXX XXXX XXXX XXXX XXXX provided proof of ownership, assignment, or agency authority. Collection and reporting activity continued without resolving this conflict. 

In a separate matter involving a XXXX / XXXX XXXX retail credit card account, Portfolio Recovery Associates , LLC began reporting and attempting to collect on the account using dates that do not reflect the original date of first delinquency. I requested that Portfolio Recovery Associates verify and correct the date of first delinquency as required by federal law. Instead of addressing this issue, the company continued to verify the account using an acquisition or reporting date rather than the original delinquency date, effectively re-aging the debt. 

In both cases, I made good-faith efforts to resolve these issues directly, provided clear written notice, and allowed sufficient time for response. The debt collectors either failed to respond or provided generic materials that did not address ownership, authority to collect, or the accuracy of delinquency dates. Despite this, collection and reporting activity continued. 

These actions have left me unable to determine who, if anyone, has lawful authority to collect the alleged debts and have resulted in misleading and potentially unlawful collection representations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint to dispute inaccuracies appearing on my Experian credit report. I am a consumer working diligently to improve my credit, and I am requesting that these items be corrected or verified in accordance with the Fair Credit Reporting Act.

Charged-Off Accounts I dispute the following accounts due to errors in balances, dates, and incomplete reporting. Please verify the accuracy of these accounts : US Dept ED Acct # XXXX, Opened : XX/XX/XXXX, Balance : {$5000.00} XXXX XXXX XXXX Acct # XXXX, Opened : XX/XX/XXXX, Balance : {$4400.00} Inquiries I dispute the following inquiries as unauthorized or lacking the necessary proof of consent : XXXX  XXXX XXXX  Service Date : XX/XX/XXXX XXXX Card Date : XX/XX/XXXX Late Payment The following late payments are reported inaccurately, and I dispute their validity : XXXX XXXX Acct # XXXXXXXX XXXX XXXX Acct # XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXXXXXX Acct # 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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: TX

Complaint narrative:
I have reviewed my credit reports from the three major credit bureausTransUnion, Experian, and Equifaxand identified multiple accounts that are inaccurately reported, outdated, or unverifiable. These accounts are negatively affecting my credit profile and do not accurately reflect my credit history. Despite my attempts to address these discrepancies directly with the credit bureaus, I have not received proper validation, verification, or correction of the disputed items. 

The following issues were identified : Multiple charge-off accounts are listed without proper validation or supporting documentation. 

Several accounts appear as duplicate listings across different bureaus with inconsistent statuses. 

Some accounts continue to show delinquent or late payments, even though they have been paid off, settled, or are currently in good standing. 

Certain accounts were never authorized or do not correspond with my known credit activity. 

One or more accounts were marked as dispute resolved consumer disagrees without providing the requested documentation. 

I have submitted disputes under my rights outlined in the Fair Credit Reporting Act ( FCRA ), but have not yet received an appropriate resolution or deletion of unverifiable accounts. This situation is preventing me from accessing essential financial services, including housing and auto financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n\nRe: Request for Confirmation of Debt Status & 1099-C Filing\nAccount No: ____XXXX______\n\nTo Whom It May Concern:\n\nI am contacting you to request written confirmation regarding the current status of the above-referenced account.\n\nPlease provide the following information:\n\t1.\tWhether this debt has been canceled, discharged, forgiven, or written off in your internal records.\n\t2.\tWhether you have filed a Form 1099-C (Cancellation of Debt) with the Internal Revenue Service for this account.\n\t3.\tIf a 1099-C has been filed, please provide the date of cancellation, amount canceled, and a copy of the filing as required under 26 U.S. Code  6050P.\n\t4.\tConfirmation of whether you still claim the debt is owed or whether the account has been closed, settled, or transferred.\n\t5.\tVerification that all collection activity has ceased if the account is canceled.\n\nThis request is made under my rights pursuant to the Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA).\nPlease provide a written response within 30 days.\n\nFailure to provide the requested documentation may indicate:\n\t\tthe debt is uncollectible,\n\t\thas been canceled,\n\t\tor is inaccurately being reported.\n\nI appreciate your attention to this matter and expect a complete written reply.\n\nSincerely,\nXXXX XXXX XXXX\n \n\nWith No response back just keep verifying to my report which is against my right as a consumer 26U.C. Code 605OP\nXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXDate: _____XXXX_____________\n\nTo: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXRe: Formal Dispute of Inaccurate Credit Reporting\nAccounts in dispute:\n      LVNV Funding  ending XXXX XXXX      XXXX XXXX XXXX   ending *XXXXTo Whom It May Concern,\n\nI am writing to formally dispute the accuracy of the above-referenced accounts appearing on my credit report. I contacted each debt collector and requested validation under the FDCPA.\n\nBoth companies responded claiming the debts were verified, but did not provide documentation that meets the legal requirements, including:\n      No signed contract\n      No itemized accounting\n      No chain of title\n      No original bill of sale\n      No proof they have authority to collect in Virginia\n      No proof the alleged debt is within the statute of limitations\n\nBecause the debt collectors have failed to validate the accounts, the reporting is inaccurate, incomplete, and unverifiable.\n\nREQUESTED ACTION\n\nUnder the Fair Credit Reporting Act (FCRA), I request that you:\n\n1. Conduct a full reinvestigation of these accounts.\n\n2. Require the furnishers to supply proper documentation.\n\n3. Delete the accounts if they cannot furnish proof of accuracy.\n\nPlease send me written confirmation once your reinvestigation is complete.XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TekCollect Inc.
State: IL

Complaint narrative:
XXXX declared bankruptcy shortly after I purchased aligners from them. They failed to fulfill their obligations under our agreement. As such, I dispute the validity of this debt and formally request that you provide the following information : 1. The original creditors name and address.

2. A detailed statement of the alleged debt, including the amount owed and a breakdown of fees, interest, or charges.

3. A copy of the original contract or agreement that I allegedly signed with XXXX. 
4. Proof that XXXX provided the services or goods agreed upon in the contract. 
5. Documentation showing your legal authority to collect on this debt, including the chain of assignment or purchase of the debt.

6. Evidence that the debt was not discharged or affected by XXXX bankruptcy proceedings.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint because my credit reports contain hard inquiries that I do not recognize and did not authorize. I never applied for credit nor gave verbal or written permission for the following inquiries : Unauthorized inquiries : XXXX XXXX / XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I am aware of my rights under the Fair Credit Reporting Act ( FCRA ). Under 15 U.S.C. 1681b, a hard inquiry requires a permissible purpose initiated by the consumer, which does not exist in this case. Additionally, 15 U.S.C. 1681i requires a reasonable reinvestigation, not a simple verification without proof of my authorization.

These inquiries are inaccurate and unauthorized and, pursuant to 15 U.S.C. 1681c-2, must be blocked and removed. I am requesting CFPB intervention to ensure compliance with federal law and the immediate deletion of these inquiries from my credit reports.

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 2025-12-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Headwaters Financial Corp.
State: SC

Complaint narrative:
I am writing to formally file a complaint against Headwaters for what I believe to be deceptive and misleading debt collection practices, which have caused me financial harm. 

On XX/XX/year>, I received an email from a representative of Headwaters identified as XXXX. In that email, I was explicitly informed that if I submitted a payment of {$810.00}, my loan would be paid in full and my vehicle title would be released and sent to me. 

Relying on this written communication, I immediately submitted the {$810.00} payment. After making the payment, I replied to XXXX confirming that the payment had been made and provided my mailing address for the title : XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Afterward, I was informed that the payoff letter and email were allegedly sent in error. This statement was made only after my payment had already been submitted based on their written representation. 

I am a senior citizen, and I did not have these funds readily available. I had to borrow money to make this payment solely because I relied on the information provided by Headwaters. Had I not received this payoff email, I would not have sent the payment under those terms. 

This situation has caused me financial stress and hardship, and I believe it constitutes deceptive, misleading, and unfair debt collection practices. A payoff amount communicated in writing should be honored, not dismissed as an error after payment is made. 

I am requesting that this matter be formally investigated. I would also appreciate guidance on what legal actions may be available to me, as I believe an attorney should review this conduct.

I have attached a copy of the email/letter sent to me by Headwaters as evidence in support of this complaint. 

Thank you for your time and attention to this matter. I respectfully request assistance in resolving this issue and preventing similar conduct toward other consumers. 

Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than record
s of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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