vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
DEBT VALIDATION REQUEST LETTER ( Fair Debt Collection Practices Act 15 U.S.C. 1692g ) Your Full Name XXXX XXXX XXXX Your Address XXXXXX/XX/XXXXXXXX XXXX XXXX City, XXXX XXXX XXXX, FL XXXX Date : XXXX JPMCB CARD XXXX XXXX XXXX XX/XX/XXXX, State XXXX XXXX XXXX DE XXXX Via Certified Mail Return Receipt Requested To Whom It May Concern, This letter is sent in response to a collection account you claim I owe. This is a formal request for validation made pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. I dispute the validity of this debt in its entirety.

Please provide proper documentation that proves I have a legal obligation to pay this debt, including but not limited to : The name and address of the original creditor The amount of the alleged debt, including an itemized breakdown Copies of any contract, agreement, or application bearing my signature Proof that your agency is licensed and authorized to collect in my state Proof that the debt is within the applicable statute of limitations Proof of your authority to collect on behalf of the original creditor Until you provide the requested validation, you must cease all collection activity and reporting of this account to any credit reporting agency, as required by law. 
If you fail to validate this debt or continue collection efforts without proper validation, you will be in violation of the FDCPA and the Fair Credit Reporting Act. 
This letter is not a refusal to pay, but a notice that your claim is disputed and validation is required. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
I am submitting this complaint regarding LVNV Funding LLC and its servicer, Resurgent Capital Services. 

I disputed this account with the credit reporting agency and separately requested debt validation from Resurgent Capital Services pursuant to the Fair Debt Collection Practices Act. 

In response, the company mailed an account summary and billing statements from the original creditor. These documents do not establish that LVNV Funding owns the debt, do not include a complete chain of assignment identifying my specific account, and do not include a signed contract or application. 

Despite failing to provide documentation proving ownership or supporting the accuracy of the balance, the company continues to report and attempt to collect the alleged amount as valid. Repeatedly sending original creditor statements does not constitute proper validation. 

I am requesting that the company either provide full and proper validation of the alleged debt, including proof of ownership and an itemized accounting, or cease reporting and collection of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
I am writing to formally request the full discharge of all student loans serviced by MOHELA due to the companys deceptive practices, misrepresentation, and failure to provide accurate and lawful guidance regarding my repayment options. 

Throughout the life of my loans, MOHELA repeatedly steered me away from income-driven repayment ( IDR ) plansoptions that would have made my payments affordable and placed me on a path toward forgiveness. Instead, I was consistently encouraged to enter periods of forbearance or deferment. As a direct result, my loan balance grew substantially due to capitalized interest, causing long-term financial harm that could have been avoided with proper and honest guidance. This conduct has placed me under significant financial strain and impaired my ability to meet basic financial obligations. 

In addition, MOHELA has misreported my payment status to credit reporting agencies, resulting in severe damage to my credit score. The inaccurate and misleading information provided by MOHELA representatives delayed my access to appropriate repayment options and contributed to an inflated debt balance far exceeding the amount I originally borrowed. These actions mirror the widespread misconduct for which MOHELA has been sued by multiple states and investigated by the Consumer Financial Protection Bureau ( CFPB ).

Company response to consumer: Untimely response
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Zions Debt Holdings
State: NJ

Complaint narrative:
On XX/XX/XXXX collection agency Zions Debt Holdings reported to XXXX  collection account with the new first delinquency date XX/XX/year> which XXXX  years later than reported earlier. I never contacted or paid to Zions debt Holdings about that collection account. I opened a dispute with XXXX  website XXXX  times with supported documentations. Zions Debt sent to XXXX  illegitimate paper with just newer date of first delinquency as a proof and ignored my statements from original creditor.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I am submitting this complaint regarding a retail credit card collection account being furnished by TDRCS XXXX XXXX XXXX XXXX showing a balance of {$750.00} with late payment history and collection status. This account is reporting derogatory and late payment information that is materially misleading and not being furnished in compliance with the Fair Credit Reporting Act, Regulation V, and XXXX XXXX reporting standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 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 a complaint to follow up on my previous request regarding the unauthorized credit inquiries reported on my credit file. Despite my initial dispute, I have not received confirmation or a resolution regarding the removal of these entries. As outlined under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects only those inquiries that I have authorized. 
I have reviewed my credit reports and have identified several inquiries that were made without my consent. These unauthorized inquiries are negatively impacting my credit profile, and I request that they be fully removed from my credit report as required by law. 
The following unauthorized inquiries were reported on my Experian credit report : XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX The following unauthorized inquiries were reported on my Equifax credit report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX The following unauthorized inquiries were reported on my TransUnion credit report : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These entries represent credit inquiries that were made without my permission. I did not authorize any of these inquiries, and I request that you promptly remove these from my credit file. Unauthorized inquiries are not only harmful to my credit score, but they also violate my rights under FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), which mandates that credit reporting agencies only include inquiries that have been authorized by the consumer. Additionally, as outlined in FCRA 604 ( f ) 15 U.S.C. 1681b ( f ), I am requesting that these inquiries be permanently removed from my report.

As per FCRA 619 15 U.S.C. 1681q, I am exercising my right to dispute these unauthorized inquiries and request their removal. It is important that my credit file is free from any errors, including those related to inquiries, as they negatively affect my creditworthiness. I trust that you will act promptly and take the necessary steps to ensure that these inaccurate entries are removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 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: FL

Complaint narrative:
I am submitting a complaint to follow up on my previous request regarding the unauthorized credit inquiries reported on my credit file. Despite my initial dispute, I have not received confirmation or a resolution regarding the removal of these entries. As outlined under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects only those inquiries that I have authorized. 
I have reviewed my credit reports and have identified several inquiries that were made without my consent. These unauthorized inquiries are negatively impacting my credit profile, and I request that they be fully removed from my credit report as required by law. 
The following unauthorized inquiries were reported on my Experian credit report : XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX The following unauthorized inquiries were reported on my Equifax credit report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX The following unauthorized inquiries were reported on my TransUnion credit report : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These entries represent credit inquiries that were made without my permission. I did not authorize any of these inquiries, and I request that you promptly remove these from my credit file. Unauthorized inquiries are not only harmful to my credit score, but they also violate my rights under FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), which mandates that credit reporting agencies only include inquiries that have been authorized by the consumer. Additionally, as outlined in FCRA 604 ( f ) 15 U.S.C. 1681b ( f ), I am requesting that these inquiries be permanently removed from my report.

As per FCRA 619 15 U.S.C. 1681q, I am exercising my right to dispute these unauthorized inquiries and request their removal. It is important that my credit file is free from any errors, including those related to inquiries, as they negatively affect my creditworthiness. I trust that you will act promptly and take the necessary steps to ensure that these inaccurate entries are removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: AES/PHEAA
State: AZ

Complaint narrative:
To remove loan. It's not mine. We operated long time.ago. Also my ex husband XXXX XXXX requested me to be separated from the AES lone back in XX/XX/XXXX. Now it's about to be XXXX and it's still not seperated. I have tried to remove my name and information from my ex-husband s student loans several times. I submitted several requests through the credit bureaus. I've contact AES on numerous occasions within the last XXXX years. All to no avail. My student loans we're forgiven by the Biden and XXXX Administration. I even received a letter from AES around XX/XX/XXXX. It advised me they received notice from my ex-husband XXXX XXXX or me to separate me from his Student loans under their company. My original student loans were separated and refinanced to another loan servicer. If you look at our original student loan docs we had 6 loans on them. When I refined my 4 loans moved to another servicer. As for XXXX 2 loans they stayed with him only. Also, if you look at his refinance documents. My name nor signature appear anywhere on it. I dont know why AES refuses to separate me from XXXX loans. Its been over a year. When I called AES and spoke with a rep. He told me hes waiting for payoff information. What? Their the loan servicer. He told me to call FASA. FSFAs website told me to contact the loan servicer directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: B9, Inc.
State: NJ

Complaint narrative:
This company has like a loan you can get loan they know you have income coming in. You have to tell him what bank or what kind of income you have. They took it upon their own self to change my direct deposit from Social Security to the bank. Now I dont have this account now, but like XXXX months I never got any information on this bank. I never got a card for the bank. Theyre charge me a card my cash app link to this bank card in my digital XXXX wallet on my smart phone. I transferred {$300.00} they charge me a {$30.00} fee. Im getting charged and an app for a card several times and never got a card, I wasnt aware of all the fee. Im not willing to pay this and I told him this.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
An account reported by this company is listed as charged off and/or written off on my credit report. I have not received documentation confirming whether the debt was canceled, discharged, or remains legally enforceable.

I also have not received an IRS Form 1099-C for this charged-off account. The creditor has not provided the date of any cancellation or documentation supporting continued reporting of the account as a delinquent charge-off.

Because the legal status of the debt has not been verified and no 1099-C has been issued, the reported account status may be inaccurate or misleading.

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 2025-12-31 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: IL

Complaint narrative:
Scam type : Credit Card Charity-based scam Financial loss : {$5000.00} Crime involved : Unauthorized use of my phone, Credit card scam ( unauthorized charge processed ), Deceptive practice ( suspect misrepresented the amount ) Outcome from Chase Bank XXXX Dispute declined twice without the ability to prove I authorized {$5000.00} I am a victim of a charity-based credit card scam that occurred in XXXX around XXXX. I was approached by 3 individuals ( 2 men and 1 woman ) asking for a donation to support their daughter 's funeral. They provided prints about the incident and claimed that cash donation is not allowed. I donated {$20.00} through tap-and-pay and wrote my name on a sheet pledging my donation. Upon checking my bank account shortly after, I realized they had fraudulently taken {$5000.00}. 
During the process, one of the individuals had UNauthorized use of my phone, which has led to this transaction. The Bank failed to provide adequate safety measures to detect fraud patterns or warn me. Since the scam, I have filed a police report and contacted Chase 3 times to resolve the charge. 

Based on Newsoutlet research, this incident matches a documented pattern of credit card scams occurring throughout XXXX, where scammers approach people requesting small donations ( $ XXXX {$20.00} ) but then fraudulently charge thousands of dollars ( see attachments ) XXXX. ) XXXX XX/XX/year>, I reported fraud to Chase, including a text message stating my agreed {$20.00} charge. 

XXXX. ) XXXX XX/XX/year>, Chase confirmed to investigate my claim. 

XXXX. ) XXXX XX/XX/year>, Chase declined the fraud claim ; thus, I resubmitted under dispute and requested Chase Bank. 

XXXX. ) Result : On XXXX XX/XX/year>, Chase declined my dispute, claiming the charge was valid using the scammer 's message as proof. This is incorrect ; I did not approve the specific payment of {$5000.00}. This was theft by deception and credit card fraud. Chase did not do their due diligence to support their customer, me. 

XXXX. ) XXXX XX/XX/year>, I submitted an appeal with additional proofs ( news articles ) of the scam and flagged that Chase did not do a proper investigation with their longtime customer in mind, but took the scammer 's side. In addition, I requested that Chase review my spending history across accounts to demonstrate that there has been no pattern of high-value donations or purchases, which further highlights Chase 's lack of security measures to protect their customers ' credit card transactions. 

XXXX. ) Result : On XXXX XX/XX/year>, Chase rejected my dispute appeal without performing a full and thorough investigation. They did not provide any substantial proof to support their decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. BANCORP
State: IL

Complaint narrative:
I am filing a complaint for reporting inaccurate information regarding late payments on an account that has been closed. Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), I am exercising my right to dispute this incomplete and inaccurate information. U.S. Bank is required by law to investigate this matter within 30 days of receipt of my dispute and to remove or correct any information that can not be verified as accurate. Additionally, under 15 U.S. Code 1681e ( b ), credit reporting agencies must " follow reasonable procedures to assure maximum possible accuracy. '' Reporting a late payment without adequately verified documentation from the furnisher is a clear violation of this statute, and I request that corrective action be taken to ensure my credit report is accurate and fair.

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 2025-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am submitting this complaint regarding an annual fee charged by American Express on a newly opened credit card account ( XXXX XXXX ) that was never activated or used. 

I applied for and was approved for this credit card in XX/XX/year>. I never activated the card, never made any purchases, and did not receive or use any card benefits. I was not aware that the annual fee would be charged even if the card was never activated. 

In late XX/XX/year>, I received a statement showing that the {$550.00} annual fee had been charged. This was the first time I became aware that the fee was being charged even though the card was not activated. 

I contacted American Express customer service to request a waiver or reversal of the fee, explaining that the card had never been activated or used. I was told repeatedly that the system does not allow the fee to be reversed after one month, and that no exceptions were possible. 

I am requesting a goodwill reversal or refund of the annual fee, given that : The card was never activated No transactions or benefits were used I contacted American Express promptly after discovering the charge I did not knowingly accept or utilize the product I believe it is unreasonable to charge a substantial annual fee for a card that was never activated or used, especially when the consumer was not clearly aware that activation was not required for the fee to post. 

I am requesting that American Express review this matter and issue a refund of the annual fee as a reasonable resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-31 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 a complaint to follow up on my previous request regarding the unauthorized credit inquiries reported on my credit file. Despite my initial dispute, I have not received confirmation or a resolution regarding the removal of these entries. As outlined under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects only those inquiries that I have authorized. 
I have reviewed my credit reports and have identified several inquiries that were made without my consent. These unauthorized inquiries are negatively impacting my credit profile, and I request that they be fully removed from my credit report as required by law. 
The following unauthorized inquiries were reported on my Experian credit report : XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX The following unauthorized inquiries were reported on my Equifax credit report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX The following unauthorized inquiries were reported on my TransUnion credit report : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These entries represent credit inquiries that were made without my permission. I did not authorize any of these inquiries, and I request that you promptly remove these from my credit file. Unauthorized inquiries are not only harmful to my credit score, but they also violate my rights under FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), which mandates that credit reporting agencies only include inquiries that have been authorized by the consumer. Additionally, as outlined in FCRA 604 ( f ) 15 U.S.C. 1681b ( f ), I am requesting that these inquiries be permanently removed from my report.

As per FCRA 619 15 U.S.C. 1681q, I am exercising my right to dispute these unauthorized inquiries and request their removal. It is important that my credit file is free from any errors, including those related to inquiries, as they negatively affect my creditworthiness. I trust that you will act promptly and take the necessary steps to ensure that these inaccurate entries are removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation