vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-26 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: AL

Complaint narrative:
I am submitting this follow-up regarding a dispute I previously filed concerning multiple inaccurate, inconsistent, and unverifiable items appearing on my Experian, Equifax, and TransUnion credit reports. The continued reporting of these errors misrepresents my actual payment history, misattributes accounts, and is causing measurable harm to my credit profile and financial standing. 

XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3000.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Owed XXXX $ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$8800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$600.00} Original Creditor XXXX XXXX  Inquiries Included 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 XXXXXX/XX/XXXX The continued reporting of these inaccuracies violates the Fair Credit Reporting Act ( FCRA ) 607 ( b ), 609 ( a ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ), consumer reporting agencies and furnishers are required to conduct a reasonable reinvestigation of any disputed information. Additionally, 15 U.S.C. 1681e ( b ) mandates that credit reporting agencies maintain reasonable procedures to ensure the maximum possible accuracy of the information they report. The continued presence of unverifiable or inaccurate items constitutes a violation of these federal requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: AL

Complaint narrative:
I am submitting this follow-up regarding a dispute I previously filed concerning multiple inaccurate, inconsistent, and unverifiable items appearing on my Experian, Equifax, and TransUnion credit reports. The continued reporting of these errors misrepresents my actual payment history, misattributes accounts, and is causing measurable harm to my credit profile and financial standing. 

XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3000.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Owed XXXX $ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$8800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$600.00} Original Creditor XXXX XXXX  Inquiries Included 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 XXXXXX/XX/XXXX The continued reporting of these inaccuracies violates the Fair Credit Reporting Act ( FCRA ) 607 ( b ), 609 ( a ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ), consumer reporting agencies and furnishers are required to conduct a reasonable reinvestigation of any disputed information. Additionally, 15 U.S.C. 1681e ( b ) mandates that credit reporting agencies maintain reasonable procedures to ensure the maximum possible accuracy of the information they report. The continued presence of unverifiable or inaccurate items constitutes a violation of these federal requirements.

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 2025-12-26 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: IL

Complaint narrative:
I am submitting to formally dispute multiple inaccuracies and inconsistencies that appear on my TransUnion, Equifax and Experian credit report, specifically regarding my Department of EducationXXXX ( DPT EDXXXX ) student loan accounts. This dispute is submitted pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), including 15 U.S. Code 1666 concerning the correction of billing errors, 15 U.S. Code 1666a regarding restrictions on creditors during disputes, FCRA 611 ( 15 U.S.C. 1681i ) concerning the investigation of inaccurate information with credit bureaus, FCRA 623 ( a ) ( 2 ) regarding the duty of furnishers and credit reporting agencies to correct and update information, FCRA 605 ( a ) on reporting obsolete or misleading information, and FCRA 609 ( 15 U.S.C. 1681g ) which ensures my right to full disclosure of information contained in my credit file. These legal provisions grant me the right to a fair and accurate credit reporting process, and the current reporting of my DPT ED/XXXX accounts clearly violates these protections.

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 2025-12-26 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: AR

Complaint narrative:
I am submitting this complaint regarding multiple errors, outdated information, and unauthorized inquiries on my credit reports maintained by Experian, Equifax, and TransUnion. My reports contain numerous inaccurate addresses, including XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, 1906 XXXX State XXXX, and XXXX XXXX, XXXX XXXX, AR, many of which are duplicates, partially incorrect, or obsolete, violating FCRA XXXX ( a ) and XXXX ( b ). Additionally, there are charge-offs from XXXX XXXX accounts ( XXXXXXXX XXXX XXXX XXXX XXXX  {$3500.00}, XXXXXXXX XXXX XXXX XXXX {$3200.00}, XXXXXXXX XXXX XXXX XXXX  {$3400.00} ) that XXXX be inaccurately reported regarding balances and dates of first delinquency, violating FCRA 605 ( c ), 611, 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 5 ) and FDCPA 807809, as I have not received proper debt validation. My report also contains a collection account from RentRecoverySolutions, originally Rosewood Apartments, with a balance of {$840.00}, which XXXX be inaccurate or unverified, and numerous hard inquiries, including XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, TD Auto Finance, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Ally Financial, XXXX XXXX, and others spanning XXXX, many of which were unauthorized or remain beyond the permissible reporting period under FCRA 604 ( a ), 605 ( a ), 611. These errors have caused or XXXX cause damage to my XXXX XXXX, misrepresentation of my creditworthiness, and potential financial harm, and I am requesting a thorough investigation and correction of all inaccurate, obsolete, or unauthorized items.

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 2025-12-26 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: IL

Complaint narrative:
b'I am submitting to formally dispute multiple inaccuracies appearing on my TransUnion, Equifax and Experian  credit report. This dispute is\nmade pursuant to my rights under the Fair Credit Reporting Act (FCRA), including 15 U.S. Code 1666\nregarding correction of billing errors, 15 U.S. Code 1666a regarding creditor restrictions during disputes,\nFCRA 611 (15 U.S.C. 1681i) concerning the dispute of inaccurate information with credit bureaus, FCRA\n623(a)(2) regarding the duty of furnishers and credit bureaus to correct and update information, FCRA\n605(a) on obsolete information, and FCRA 609 (15 U.S.C. 1681g) ensuring my right to full disclosure.\nUpon review, I have identified multiple accounts that are inaccurately reporting addresses, charge-offs,\ncollections, and inquiries, which misrepresent my payment history, account status, and overall\ncreditworthiness.XXXX XXXX XXXXBalance Owed:$XXXX  CARD XXXXBalance Owed:$XXXX XXXXBalance Owed:$XXXX XXXX XXXXBalance Owed:$XXXX XXXXBalance Owed:$XXXX XXXX XXXXBalance Owed:$XXXX XXXXBalance Owed:$XXXX XXXX XXXXBalance Owed:$XXXX XXXXBalance Owed:$XXXX XXXXBalance Owed:$XXXX Original Creditor XXXX XXXX XXXX XXXXBalance Owed:$XXXX Original Creditor XXXX XXXX XXXX XXXXBalance Owed:$XXXX Original CreditorXXXX XXXX XXXX XXXXBalance Owed:$XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXXBalance Owed: $XXXX Original Creditor XXXX XXXX XXXX XXXX XXXXBalance Owed:$XXXX  Original Creditor 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

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 2025-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I used Affirm to pay for XXXX items in XXXX installments to XXXX XXXX XXXX. I made the initial payment of {$57.00}, kept item XXXX, and returned items XXXX and XXXX. XXXX XXXX XXXX accepted and processed my return, then issued a store credit of {$150.00} which is currently reflected in my account. However, Affirm is still trying to charge me for the remaining balance and late fees. 

This information was submitted in a claim through XXXX with supporting documents ( including receipts, screenshots, XXXX receipts etc ). The result on the claim from XXXX  was that my information was valid and verified, however XXXX still shows that I owe a balance, which does NOT make sense as I RETUND THE ITEMS and XXXX XXXX confirmed that they have received them. My credit has DROPPED because of Affirm. Please help m rectify this!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: IN

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-12-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date : [ XX/XX/year> ] [ midland credit management inc ] [ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] Re : Cease and Desist Alleged Account # [ Account Number, if known ] To Whom It May Concern, I am writing to formally request that you cease and desist all communication with me regarding the above-referenced alleged debt. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692c ( c ), you are hereby notified that you must immediately stop all forms of communication with me, including but not limited to telephone calls, letters, emails, text messages, or communication through third parties. You may only contact me to : 1. Confirm that you will comply with this request, or 2. Notify me of any specific legal action you intend to take. This letter is not an acknowledgment of liability, nor is it a refusal to pay. It is simply a formal demand that you comply with federal law. If you fail to comply with this request, I will document all violations and may pursue remedies available under federal and state law. Please govern yourself accordingly. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: MD

Complaint narrative:
I disputed a bankruptcy on my Equifax credit report multiple times in 2025 and requested the method of verification. Equifax repeatedly responded that the bankruptcy was verified through XXXX. XXXX does not verify bankruptcies and my XXXX access is blocked. Equifax did not provide the required method of verification under FCRA 611 ( a ) ( 7 ), only stating that the data was obtained from XXXX. Despite this, Equifax continues reporting the bankruptcy as verified. I am disputing Equifaxs failure to comply with verification requirements and request deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: AR

Complaint narrative:
I am filing this complaint against TransUnion and Experian for failing to maintain accurate credit reporting and for continuing to report inaccurate, obsolete, and unverifiable information in violation of the Fair Credit Reporting Act ( FCRA ). My credit reports include multiple incorrect addresses, specifically XXXX XXXX XXXX XXXX, XXXX XXXX, AR XXXX ; XXXX XXXX Ct, XXXX, AR XXXX ; and XXXX XXXX XXXX, XXXX XXXX, AR XXXX, which do not reflect my actual residential history and XXXX lead to file confusion. Additionally, my reports contain charge-off accounts that are inaccurately reported, including XXXX ending XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$680.00} and XXXX ending XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$17000.00}, which XXXX have incorrect dates, balances, or statuses. Unauthorized or impermissible hard inquiries also appear, including RegionalAC dated XX/XX/year>, XXXX dated XX/XX/year>, and TAB/Mission dated XX/XX/year>, for which I did not provide authorization or proper consent. Despite my rights under FCRA 611, 605, 607, and 623, these inaccuracies remain unresolved and continue to negatively affect my creditworthiness.

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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this complaint regarding multiple inaccuracies and outdated information on my credit reports maintained by Experian, XXXX XXXX XXXX  which include incorrect addresses reported as XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX, XXXX XXXX XXXX, XXXX, AR XXXX, XXXX XXXX XXXX, AR XXXX, XXXX XXXX XXXX, XXXX XXXX, AR XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX misreported account statuses, including XXXX XXXX XXXX XXXX  marked as late closed with a {$0.00} balance, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  reported as a repossession with a balance of {$13000.00} ; and numerous hard inquiries that may not have been authorized, including but not limited to XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ) , XXXX XXXX XXXX ( XX/XX/XXXX XXXX XX/XX/XXXX ), XXXX XXXX XXXXXXXX XXXX ( XX/XX/XXXX ) , XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), and XXXX XXXX ( XXXX ) ; all of which are negatively affecting my creditworthiness and appear to violate the Fair Credit Reporting Act ( FCRA ) 605, 605 ( a ), 605 ( c ), 609 ( a ) ( 1 ), 611, 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 2 ), and 623 ( b ), as well as 15 U.S.C. 1666 and 1666a regarding billing error corrections. Despite prior disputes, these errors remain unresolved, including inaccurate addresses, late reporting of accounts, repossessions, and unauthorized inquiries, causing confusion, potential denials of credit, and financial harm.

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 2025-12-26 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXXXXXX 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 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 XXXXXX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/year>, I contacted Citi XXXX to resolve a routine inquiry. During the call, the representative failed to properly verify my identity despite my willingness to provide all necessary security information. Instead of assisting me, the representative placed a " Security Hold '' on my entire account. 

I was subsequently informed that the ONLY way to lift this hold is to wait for a physical letter to be delivered via XXXX ( snail mail ). This is an archaic and unacceptable requirement in the digital age, especially for a high-tier cardholder. I have access to my registered mobile phone, email, and online banking, yet Citi refuses to use any electronic or secondary verification methods ( such as XXXX or XXXX XXXX ). 
I have already attempted to resolve this through the Citi XXXX XXXX XXXX ( XXXX ) via email, but have received no response. 

The harm done to me : This unjustified hold has left me without access to my primary financial tools during the holiday season and while I am traveling. It is causing significant financial distress, as I am unable to pay for essential services and travel expenses. Citis refusal to provide an immediate digital verification path is negligent and has effectively frozen my funds without cause.

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 2025-12-26 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
I am filing a complaint regarding a denied credit card dispute for merchandise not received. 
I purchased a sofa sectional from XXXX XXXX XXXX  and I never received, accepted, or signed for the merchandise and have never had possession of it. 
This transaction does not qualify as a return or buyers remorse. This is a case of merchandise not received, as the merchant is in possession of both the merchandise and my funds. 
Despite this, the merchant responded to my card issuer stating the item was delivered, which is factually incorrect. No signed delivery confirmation or proof of acceptance exists. 
My credit card issuer denied both the initial dispute and the re-dispute, improperly accepting the merchants false delivery claim and failing to recognize this as a case of merchandise not received. 
I am requesting that the card issuer be required to properly investigate this dispute as non-delivery and reverse the charge, as I paid for merchandise I never received.

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