vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
Improper use of report also unable to dispute or make personal statement I want to opt out permanently of all agencies and tired of unauthorized use of my Trademark. No late payments allowed and I want all debts validated and see 18 USC 8 says all debts public and private are obligations of XXXX not XXXX XXXX so get it right

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 2025-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I referred a friend to the Chase Sapphire Reserve for business on XX/XX/XXXX. He was approved for the card and I never received the XXXX referral points. I know why I did not and I have been trying to explain this to Chase customer service but I continue to receive generic responses even AFTER they requested information about the company referred, etc. I am hoping someone will understand the unique situation I am in and give me the XXXX points since I am the one who referred him. 

The XXXX XXXX  was a new credit card in XXXX and when I generated the referral link it was through my existing Chase Sapphire card, since I assumed thats how you do it because they are both sapphires. Please see the link below that has now changed since I sent it to him. 

XXXX XXXX XXXXXXXX This was the exact link I used. When I sent it to him the Chase Sapphire Reserve for Business was on this page in the bottom right. It was extremely misleading because it was on my referral page BUT when he clicked on it, my unique code went away. I know now that the chase sapphire reserve for business referrals should be generated with a Chase XXXX  card, which I own but the XXXX for business was so new that information was not out yet. He continue to click on the busines card through my link and was referred but Chase did not recognize it even though it was on the page I sent him. 

I can give you information on the person referred- XXXX XXXX phone- XXXX zip code- XXXX Business- XXXX XXXX Approved on - XX/XX/XXXX Please see that this was misleading marketing. I am extremly knowledgable about Chase credit cards and the referral program. By me generating that link and seeing the exact card on my link- made it seem like I would get the points. Instead the website regenerated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Date : XXXX Midland Credit Management , Inc . 

Re : Request for XXXX XXXX XXXX to FDCPA, 15 U.S.C. 1692g Account Number : XXXX Balance Reported : {$2000.00} Original Creditor : XXXX Bank Date Opened : XX/XX/2023 Dear Midland Credit Management, I am formally requesting validation of the alleged debt referenced above, as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

This is not a refusal to pay, but a request for you to provide complete validation of the alleged debt. Until you provide full verification, you must cease all collection activities per 15 U.S.C. 1692g ( b ).

Specifically, I am requesting the following : 1. Full validation of the alleged debt including an itemized statement showing the original creditor, account number, balance breakdown, and interest/fee calculations.

2. Proof of ownership and chain of assignment copies of all assignments, transfers, or sale agreements proving your legal right to collect this debt.

3. A copy of the original signed contract or agreement that allegedly created this obligation.

4. The name, address, and license information of your agency and any third parties involved in the collection of this debt.

5. The date of last payment and full account history.

Per 15 U.S.C. 1692g ( b ), if you can not provide the above within 30 days of receiving this letter, the debt is considered invalid, and you must immediately cease all collection activity, including reporting this account to XXXX XXXX XXXX XXXX

Additionally, under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), you are prohibited from reporting inaccurate or unverifiable information. If this alleged debt continues to be reported without validation, I will file complaints with the CFPB, the FTC, and my State Attorney Generals Office, and I will pursue a civil lawsuit seeking actual damages, statutory damages, and attorneys fees. 

This letter also places you on notice regarding timeliness in correcting or deleting inaccurate credit reporting. If this account is not validated or removed within the required timeframe, I will pursue litigation without further notice. 

Please note that any continued collection activity or negative credit reporting without proper validation will constitute willful noncompliance and a violation of 15 U.S.C. 1692k. 

I expect your response within 30 days of receipt of this letter. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Unifin Inc.
State: CA

Complaint narrative:
I get daily text messages from unifin a debt collection agency. I have tried to report junk and delete them but they keep coming. I do not owe any debt and I have never received anything by mail from them. At this point it is harassing me and it needs to stop. Maybe someone put in my phone number but the amount owed changes daily so it could be a scam but this is totally ridiculous if it is coming from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lockhart, Morris & Montgomery Inc.
State: IA

Complaint narrative:
Casual check on XXXX XXXX, which I've used over 10 years, showed an account in collection for {$1400.00}. This stems from an XXXX XXXX  visit to XXXX XXXX XXXXXXXX XXXX of 2020. I paid the bill with a credit card ( XXXX XXXX ) I no longer use. I do not know my account number, so I can't get a 2020 statement. 
My credit is over XXXX, and there was almost no impact, so I am not overly concerned. I filed a dispute with XXXX  and it was removed. 
I contacted the hospital billing department. They do not keep records past 5 years ( incident was over 5 years ago ). So, by that, the hospital would not submit this supposed bill to collections. 
I received a letter from the hospital showing no outstanding bills. 
I contacted the creditor, Lockhart Morris and Montgomery. I asked for a bill to be sent, but they refused, saying a bill was sent in the mail in XXXX ( I didn't receive one ). I proposed that a scammer falsely submitted this claim, which the creditor denies. I relayed the information I received from the hospital billing department. I was only directed to the collector 's website, which has no source information - just the option to pay the amount stated. 
Collector and I have reached the end of fruitful communications. 
The picture I attached to this only shows a recent visit, which is not in arrears. However, it also shows no past-due bills.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: OK

Complaint narrative:
Transworld is reporting a XXXX XXXX account as a collection/charge off. I never gave authorization or written consent for my personal information to be released to this agency. They have not provided any documentation showing a contract, assignment, or transfer of rights from XXXX XXXX. Without a valid agreement, Transworld has no legal standing to report this account. 

The bureaus are showing inconsistent dispute responses. TransUnion lists the account as disputed by consumer, meets FCRA requirements, while XXXX show Consumer disputes reinvestigation in progress. If this debt were valid, all three credit bureaus would report consistently. These conflicting statuses prove that the account is unreliable, unverifiable, and inaccurate. That directly violates the Fair Credit Reporting Act ( FCRA ) 602, 607, and 609. 

Additionally, reporting this account as both a charge off and a collection is deceptive and harmful. A charge off is a creditors acknowledgment that the debt is uncollectible. Once charged off, it can not simultaneously exist as an active collection. This practice is misleading, creates duplicate damage to my creditworthiness, and is abusive under the Fair Debt Collection Practices Act ( FDCPA ). 

The account balance of {$200.00} is being reported without validation. No original signed agreement, billing statement, or proof of contractual obligation has been provided. Without those documents, Transworld is reporting information recklessly and in violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: AL

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 non-monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
CFPB : This is a EXTREMELY VIOLENT complaint filed as resubmission of Complaint # XXXX. 

I was so irate last time I didn't even submit the company name properly.... I reported XXXX XXXX instead of Concora credit. Listen to me... this company is in violation of trying to benefit from the mismanagement of one 's own personal accounts when they determine behavioral traits associated with the creditor. 

I get billed by email from both Destiny credit card and Concora Credit for the SAME account. Then when I have to call customer service on it, I get sent offshore to some foreign speaking operation that never has the ability technologically to resolve this account. As a result, for the last five months, I've been paying minimum payment.

I've been soooo frustrated by it, I don't even know whether this card is still active!!!! My account with this company, I want it ruled as a Fraudulent manipulation of facts!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
I have called USAA to file a dispute. XXXX has placed a lien on my account without a Judicial signed record. The lien is from XXXX they are an adminstrative agency that I have opted out of dealing with by contract. The alleged creditor is the person that signed the property settlement agreement. USAA is acting as a third party interloper to a contract by placing a lien on funds with unsigned documents. I also have XXXX Privacy Act Request that shows that there is no Judgment on the record.

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 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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. 

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 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 records 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
Consumer complaint received 2025-08-30 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 have been a Victim of identity theft in the past and there are Fraudulent accounts on my credit reports. XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX  XXXX Acct # XXXX XXXX XXXX XXXX  XXXX Acct XXXX XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX. The Following Inquires are Fraudulent 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 XXXXXXXX XXXX & XXXX XX/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 2025-08-30 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: AZ

Complaint narrative:
The XXXX XXXX account, a charged-off account previously closed by the credit grantor, is still reporting on my Equifax credit report despite multiple formal disputes and submission of supporting documentation. Equifax previously stated this account was not present, but I have proof showing it continues to appear on my report. The account balance is reported incorrectly, and the dispute status remains outdated. I have submitted multiple dispute letters with government-issued ID, proof of address, and prior correspondence showing the account is inaccurate and should have been removed. Equifax has failed to conduct a reasonable reinvestigation, has not deleted the unverifiable account, and continues reporting false information, violating FCRA 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ) ( B ), 1681s-2 ( b ), and 1681c. This inaction has caused ongoing harm to my credit profile and access to financing PLEASE SEE ATTACHMENTS BELOW

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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:
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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) 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.

Delete the accounts below : Experian 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 explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: TN

Complaint narrative:
The amount of the loan should have fallen under the PSFL and they stated it didn't qualify which is totally incorrect.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-30 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: NE

Complaint narrative:
TransUnion is reporting a fraudulent and unverifiable collection account from Universal Revenue Services Inc. 

On XX/XX/year>2025, and again on XX/XX/year>2025, I disputed a collection account from Universal Revenue Services that is being reported by TransUnion. I sent two certified mail dispute letters to Universal Revenues official licensed mailing address. Both letters remain undeliverable according to XXXX tracking, proving the collector is unreachable and has not provided any verification of the alleged debt. Despite this, TransUnion continues to report the account.

Under the Fair Credit Reporting Act ( FCRA 611 ), credit bureaus may not report inaccurate or unverifiable information. Because the furnisher has failed to respond or provide validation, this account must be removed from my TransUnion report. Supporting evidence, including XXXX certified tracking and licensing records, is attached below.

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 2025-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
The card was advertised as a credit limit increase after 6 months. It has been two years and they keep telling me the specific card is not eligible for credit limit I creases when it was advertised as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: SC

Complaint narrative:
I pulled my credit report and noticed the JEFFERSNCP account being reported completely wrong and inconsistent. The dates dont even line up one part says the account opened in XXXX, another part says it started in XXXX ( which hasnt even happened yet ). The last activity is listed as XXXX on XXXX bureau and XXXX on another. The status is also mixed up : one bureau shows XXXX  days late, another says chargeoff/collection. 
It also says in dispute and not disputed at the same time, which is impossible. On top of that, the balance is listed as both past due and charged off. If its charged off, it shouldnt still be showing as past due. The comments are inconsistent too one says collection account and another makes it sound way worse, saying its assigned to attorneys/collection agencies. 
This kind of sloppy and conflicting reporting is damaging my credit and my reputation. Its clear nobody is double-checking the accuracy before its thrown on my report, and Im the one paying the price.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: EQUIFAX, 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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) 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.

Delete the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation