vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase XXXXXXXX XXXX mobile application displays materially false information about flight refundability. I made two bookings through Chase XXXX where the app prominently displayed " This flight is refundable '' at the point of sale and in booking confirmations. One booking also showed " Available for fee : Seats, Refund, Exchange. '' However, when I contacted Chase XXXX customer service, I was told both tickets are non-refundable. The emailed terms and conditions state " Refunds and ticket changes are not permitted '' directly contradicting what the app displayed. 
Booking XXXX ( Trip ID : XXXX ) : XXXX XXXX, XXXX roundtrip XXXX Booked XX/XX/year>. Amount : {$940.00}. App displayed : " This flight is refundable '' and " Available for fee : Refund, Exchange. '' Actual terms : Non-refundable, non-modifiable. 
Booking 2 ( Trip ID : XXXX ) : XXXX, XXXX one-way XXXX Booked XX/XX/year>. Amount : XXXX Chase Ultimate Rewards points. App displayed : " This flight is refundable. '' Actual terms : " Refunds and ticket changes are not permitted. '' This is deceptive advertising. The refundability of a ticket is a key factor in purchasing decisions. I relied on Chase 's explicit representation that these flights were refundable. Had the app accurately displayed that these were non-refundable fares, I would have made different booking decisions. I have screenshots documenting the contradictory information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
To Whom It May Concern, I am disputing the XXXX  XXXX bankruptcy Experian is reporting on my credit file. This bankruptcy does not belong to me, and Experian is unable to verify it with the only source capable of confirming such information the U.S. Bankruptcy Court. 

I contacted the United States Bankruptcy Court for the XXXX XXXX of Michigan, and I received written confirmation from the XXXX  XXXX Law Clerk stating : The United States Bankruptcy Court for the XXXX XXXX of Michigan does not report individual bankruptcy case filing data to credit reporting agencies, nor does it update or verify information directly with the credit bureaus. Bankruptcy filings are a matter of public record. 

Because the Bankruptcy Court does not furnish, verify, update, or communicate bankruptcy information to Experian, you have no valid source to confirm the accuracy of this bankruptcy.

Under FCRA 607 ( b ), Experian must assure maximum possible accuracy.

Under FCRA 611 ( a ) ( 1 ) ( A ), any item that can not be verified must be deleted.

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 2025-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
To Whom It May Concern, I am disputing the XXXX  XXXX bankruptcy Experian is reporting on my credit file. This bankruptcy does not belong to me, and Experian is unable to verify it with the only source capable of confirming such information the U.S. Bankruptcy Court. 

I contacted the United States Bankruptcy Court for the XXXX XXXX of Michigan, and I received written confirmation from the XXXX  XXXX Law Clerk stating : The United States Bankruptcy Court for the XXXX XXXX of Michigan does not report individual bankruptcy case filing data to credit reporting agencies, nor does it update or verify information directly with the credit bureaus. Bankruptcy filings are a matter of public record. 

Because the Bankruptcy Court does not furnish, verify, update, or communicate bankruptcy information to Experian, you have no valid source to confirm the accuracy of this bankruptcy.

Under FCRA 607 ( b ), Experian must assure maximum possible accuracy.

Under FCRA 611 ( a ) ( 1 ) ( A ), any item that can not be verified must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
Jefferson Capital Systems XXXX XXXX XXXX XXXX, XXXX, MN XXXX Re : Debt Validation Request To Whom It May Concern, I am formally requesting validation of the alleged debt referenced above under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692g.

This request is not an admission of liability.

Please provide : 1. Verification that you are legally authorized to collect this debt ( chain of assignment ).

2. A complete itemization of the balance.

3. A copy of the original contract or agreement bearing my signature.

4. The name and address of the original creditor.

5. Documentation proving this debt is accurate, valid, and belongs to me.

Until you provide full validation, you must cease all collection activity and reporting to credit bureaus as required by law. 
If you can not validate this debt, you are required to delete all associated tradelines from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 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: GA

Complaint narrative:
I am filing this complaint because all three major credit bureaus Experian, Equifax, and TransUnion are reporting inaccurate information about me and are not following the requirements of the Fair Credit Reporting Act. 

I recently pulled my credit reports from XXXX and found several errors in my accounts and personal information. I have already disputed these items directly with the credit bureaus, but I do not believe they conducted a proper reinvestigation as required under 15 U.S.C. 1681i ( a ). Many of the items they verified are still incorrect, incomplete, or can not be verified at all.

I also requested the bureaus to follow the laws under : 15 U.S.C. 1681e ( b ) ( reasonable procedures for maximum accuracy ) 15 U.S.C. 1681i ( a ) ( 1 ) ( reasonable reinvestigation ) 15 U.S.C. 1681i ( a ) ( 7 ) ( method of verification ) 15 U.S.C. 1681g ( full consumer file disclosure ) They did not provide me with a proper method of verification, did not explain how they verified these accounts, and did not provide documentation or the procedures they used. This is a violation of the FCRA. 

I also asked the bureaus to correct my personal information. They are still reporting old addresses and names that do not belong to me, even though I provided my correct information. These errors are affecting the accuracy of my file and should have been fixed during the reinvestigation. 

Correct Information : Name : XXXX XXXX Date of Birth : XX/XX/year> SSN ( Last XXXX ) : XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, Georgia XXXX I also requested a full consumer file disclosure under 15 U.S.C. 1681g, including all information in my file, all inquiries, and the certifications from anyone who accessed my report. I did not receive the full file disclosure I am legally entitled to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV Funding is reporting a Fingerhut/WebBank account. I requested validation in writing. LVNV has not shown proof they own the debt, nor any agreement with my signature, nor an itemized statement. They are continuing to report the account without verification, which violates the FDCPA and FCRA. I request that this account be deleted if it can not be validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 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: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
A fair resolution is for Portfolio Recovery Associates to permanently stop all collection attempts on this alleged debt, remove my information from their system, and provide written confirmation that the debt has been closed, deleted, and will not be sold or transferred to another collector.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I.C. System is reporting a XXXX ( XXXX ) XX/XX/XXXXaccount. After receiving my debt validation letter, they have not provided any proof of ownership or accuracy. No contract, itemized balance, or chain of assignment has been provided. Continuing to report a debt without proper validation is a violation of FDCPA 1692g. I request removal of this account if they can not validate the debt.

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 2025-12-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
Credit Control Services is reporting an XXXX XXXX collection account. They have not validated the debt after my written request. They have provided no contract, no itemization, and no verification from XXXX. Reporting a debt without validation violates the FDCPA and the FCRA. I request full deletion of this account if proper validation can not be provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
My previous bank, Truist, closed my account after it experienced fraudulent activity caused by an account takeover ( ATO ). Although the account was mine, the transactions and activity that led to the negative balance and closure were not authorized by me.

Truist reported this fraudulent activity to XXXX XXXX XXXX XXXX XXXX XXXX Because the activity resulted from an account takeover, the information being furnished is false, inaccurate, and harmful. It is now preventing me from opening new bank accounts.

I provided Truist with identity verification, documentation, and an FTC Identity Theft Report # XXXX. Despite this, Truist told me they would not review or reinvestigate my claim because the account is closed. 

This refusal violates multiple sections of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : A furnisher may not report information it knows or has reasonable cause to believe is inaccurate.

15 U.S.C. 1681s-2 ( a ) ( 2 ) : A furnisher must correct and update incomplete or inaccurate information.

15 U.S.C. 1681s-2 ( b ) : Upon receiving a dispute, the furnisher ( Truist ) must conduct a reasonable investigation, regardless of whether the account is open or closed.

15 U.S.C. 1681i ( a ) : I have the right to dispute inaccurate information and receive a reinvestigation.

15 U.S.C. 1681c-2 : When an identity theft report is provided, the bank must block, prevent, or correct information resulting from identity theft.

Truist is refusing to meet these federal obligations, leaving fraudulent EWS information on my record, which is causing me financial hardship.

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 2025-12-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: AUTOMOBILE ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
Automobile Acceptance is reporting an auto loan charge-off/account as a repossession, but they have failed to provide any legally required validation or documentation for the debt. I disputed this account directly with the company and with Experian, but the company has not provided : Proof of lawful repossession Notice of intent to sell Proof of auction Sale date or sale amount Itemized accounting of the deficiency balance Chain of title or original contract Calculation showing how the balance increased to {$13000.00} Additionally, the company is re-aging the account, reporting continuous CO ( charge-off ) months on my payment history from XXXX through XXXX, even though the status was last updated in XXXX. This is inaccurate and violates FCRA 1681s-2 ( a ) and FCRA 623.

The company verified the account with Experian during their XX/XX/XXXX reinvestigation but did NOT send me validation, violating : FDCPA 1692g ( b ) ( failure to validate ) FCRA 1681s-2 ( b ) ( failure to investigate properly ) Because the account is unverifiable, inaccurately reported, re-aged, and missing required repossession documentation, I request : 1. A full CFPB investigation.

2. Proof of validation and repossession documentation.

3. Deletion of the tradeline from all credit bureaus if validation can not be produced.

Thank you.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: PA

Complaint narrative:
Ok so I paid a company through XXXX to transport my cats from one state to another. Last minute I received a cancellation message via text from a XXXX XXXX. I was told my money would be refunded. This was XX/XX/XXXX. I called him multiple times and left numerous messages but he never contacted me back. I reported the transaction I made to him and Cashapp denied my claim and the disputes I also put in afterwards, despite providing a letter from the head of customer service for XXXX and screenshots of the messages that were very clearly in my favor. Its now XX/XX/XXXX and Ive just received a message saying my latest claim was denied once again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
To Whom It May Concern, I am formally disputing the XXXX  XXXX bankruptcy Experian is reporting, as well as all accounts labeled Petition for XXXX  XXXX Bankruptcy, including but not limited to : XXXX XXXX accounts ( multiple ) XXXX XXXX XXXX  accounts ( multiple ) XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX  account These accounts are inaccurately and unlawfully connected to a XXXX  XXXX filing that does not belong to me and can not be verified by any legally-recognized source. 

I contacted the United States Bankruptcy Court for the XXXX XXXX XXXX XXXX, and I received written confirmation stating : The Bankruptcy Court does not furnish, verify, update, or communicate bankruptcy case information to any credit reporting agencies. 

Because the only authoritative source for bankruptcy data refuses and is unable to verify this information, Experian is in violation of : FCRA 607 ( b ) failure to ensure maximum possible accuracy FCRA 611 ( a ) ( 1 ) ( A ) unverifiable information must be deleted FCRA 602 ( a ) reporting inaccurate public record information Since the bankruptcy can not be verified through the court, and LexisNexis/PACER can not be used to confirm identity or match public records, Experian has no lawful basis to : 1. Report a XXXX  XXXX bankruptcy, or XXXX. Report ANY account as Petition for XXXX  XXXX Bankruptcy, Included in Bankruptcy, or Affected by Bankruptcy. 

These designations are false, misleading, and damaging. 

Therefore, I am demanding the immediate deletion of : The XXXX  XXXX public record All accounts labeled with bankruptcy language Any derogatory indicators tied to this unverified bankruptcy Any data connected to this incorrect public record reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
To Whom It May Concern, I am formally disputing the XXXX  XXXX bankruptcy Experian is reporting, as well as all accounts labeled Petition for XXXX  XXXX Bankruptcy, including but not limited to : XXXX XXXX accounts ( multiple ) XXXX XXXX XXXX  accounts ( multiple ) XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX  account These accounts are inaccurately and unlawfully connected to a XXXX  XXXX filing that does not belong to me and can not be verified by any legally-recognized source. 

I contacted the United States Bankruptcy Court for the XXXX XXXX XXXX XXXX, and I received written confirmation stating : The Bankruptcy Court does not furnish, verify, update, or communicate bankruptcy case information to any credit reporting agencies. 

Because the only authoritative source for bankruptcy data refuses and is unable to verify this information, Experian is in violation of : FCRA 607 ( b ) failure to ensure maximum possible accuracy FCRA 611 ( a ) ( 1 ) ( A ) unverifiable information must be deleted FCRA 602 ( a ) reporting inaccurate public record information Since the bankruptcy can not be verified through the court, and LexisNexis/PACER can not be used to confirm identity or match public records, Experian has no lawful basis to : 1. Report a XXXX  XXXX bankruptcy, or XXXX. Report ANY account as Petition for XXXX  XXXX Bankruptcy, Included in Bankruptcy, or Affected by Bankruptcy. 

These designations are false, misleading, and damaging. 

Therefore, I am demanding the immediate deletion of : The XXXX  XXXX public record All accounts labeled with bankruptcy language Any derogatory indicators tied to this unverified bankruptcy Any data connected to this incorrect public record reporting

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 2025-12-07 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:
The complete lack of verified documentation supporting the accuracy of this information, along with the circulation of data that has not been properly validated, constitutes a direct breach of the requirements set forth in 15 USC 1681i ( 7 ). This failure to comply is both concerning and extremely frustrating, especially considering the legal duty to ensure accuracy and fairness. 

For these reasons, I request the immediate deletion of this account unless you can provide credible, verifiable proof confirming its legitimacy. Any further delay only heightens the frustration caused by the disregard for regulatory standards and the procedures designed to protect consumers from inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Zip Co US Inc.
State: NC

Complaint narrative:
I am writing to address an issue regarding an incorrect charge on my Zip loan. I utilized an online Zip card for a XXXX online order that was subsequently canceled. However, Zip has not acknowledged the canceled items, resulting in an inaccurate outstanding balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 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: CITIBANK, N.A.
State: MA

Complaint narrative:
On XX/XX/2025 CBNA with the address of CBNA, XXXX XXXX XXXX, XXXX XXXX, SD XXXX pulled my XXXX  consumer credit report without my permission and created an illegal hard inquiry on my credit report. 

I contacted Equifax, the credit reporting agency to let them know the inquiry was unauthorized and fraudulent and filled a report with them as a fraudulent victim of identity theft. 

I disputed the hard inquiry on XX/XX/2025 online and also to XXXX  XXXX  XXXX XXXX XXXX, TX XXXX Phone : XXXX After 60 days the hard inquiry still shows up on my XXXX  credit report. No proof has ever been given by CBNA that I authorized the credit pull and XXXX  still has the hard credit pull on my consumer credit report I did another dispute on XX/XX/2025 and it was closed without a resolution.

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