vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-16 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision :XX/XX/XXXXReporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years. 3. Right to Privacy Section 602 ( A ) of the FCRA The FCR
A, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or
reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2
( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 2025-11-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX Email : XXXX Phone : XXXX XXXX XXXX XXXX I.C. Systems, Inc. 
XXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX Re : Cease and Desist Notice Pursuant to 15 U.S.C. 1692c To Whom It May Concern : I am writing to formally notify you to cease all communication with me regarding any alleged debt you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), once a consumer notifies a debt collector in writing to stop contacting them, the collector must cease all further communication except to confirm that communications will stop or to notify the consumer of specific legal actions that may be taken.

Accordingly, you are hereby instructed to stop all telephone calls, text messages, emails, mailed notices, workplace contact, third-party contact, or any other form of communication with me regarding this matter.

This notice is not an admission of liability and does not acknowledge the validity of any alleged debt. Any further contact from your office, except as allowed by law, will be documented and may be considered a violation of the FDCPA.

Please confirm in writing that you have received this notice and that all communications will cease as required by 15 U.S.C. 1692c ( c ).

Thank you for your cooperation. 

Sincerely, 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 2025-11-16 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  2. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this r
ight and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2
( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data.

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 2025-11-16 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Earlier this year, a fraudulent charge was made to my account in the amount of {$390.00}. I immediately reported it to the bank and told them to close the account. They did. 

Months later, it reappeared, and the bank stated that I received a product from the company by mail. The only problem was they never identified the company ( A Chinese company ) or provided information about what was purchase, mailed and when it was mailed. 

To date, they continue to seek payment for the amount and ignore my requests for additional information.

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 2025-11-16 00:00:00
Product: Credit card — Store credit 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I previously submitted a consumer report complaint, it was closed but my dispute was never resolved. 
I am still dealing with the same issue. XXXX keeps reversing the XXXX back to my target account. They are basically charging me for the check that was sent out when I initially disputed the double charge. I've sent them prove via mail twice, including my bank statements and they claim that statements only show withdrawals. It doesn't it also shows deposits I've had to open this dispute several times. I've had to explain the situation several times to diffrent " supervisors ''. It is exhausting and just convenient for the company to keep giving the run around. It is always a diffrent person on the case, so nothing ever gets resolved or I always have to explain the whole situation. They have recordings and should be able to use them so that customers dont have to explain themselves a million times, at least it feels that way.

They have taken the charge off my balance three times, making me think the dispute resolved but shortly after a couple of weeks the charge reverses to my target store card account. XXXX continues to charge me the XXXX. I'm not sure if it is a system error but I've provided proof that the two XXXX charges on my bank account where withdrawn and my bank nor target ever reversed that charge ont my bank account. My statement should be at 0 after the initial dispute of the double charge. When I recieved the check my statement should have been at 0 but they keep reversing the XXXX because they sent a check. However the two charges are still recorded on my bank account and they keep adding the charge back onto my target account balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
I had a XXXX XXXXXXXX  credit card for many year. I set up automatic payments from my bank account which always paid all my bills. I always kept a substantial amount of money in my account with which to pay my bills. 
From what I was told by the Cavalry debtor the payments stopped in XXXX. Since the credit card company didnt receive any payments they apparently sold my account to this debtor company. I was never informed about this action and am now told by the Debtor company that I owe them money plus interest and late fees. Since I have no statements I have no idea if these charges are correct. I am XXXX XXXX XXXX and need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Ragan & Ragan, PC
State: GA

Complaint narrative:
Ragan & Ragan Law Firm is attempting to collect a debt allegedly purchased from XXXX without providing any proof that they own the debt, without providing a copy of any judgment, and without validating the debt when requested. They previously garnished my wages years ago, and they are now threatening new garnishment again. 



I am disputing the debt. They have not provided a judgment or proof of ownership, and I believe they are violating the Fair Debt Collection Practices Act by threatening garnishment without validation and possibly without legal authority. 



I am requesting the CFPB intervene and require Ragan & Ragan to validate the debt or cease all collection efforts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: MI

Complaint narrative:
CFPB COMPLAINT COLLECTOR ATTEMPTING TO COLLECT A DISCHARGED BANKRUPTCY DEBT XXXX XXXX XXXX is attempting to collect a debt that was included in my XXXX  XXXX  XXXX bankruptcy. They emailed me on multiple dates attempting to collect on an XXXX XXXX XXXX XXXX Bank account that is legally discharged. 

This violates : Bankruptcy Code 11 U.S.C. 524 ( a ) ( 2 ) ( discharge injunction ) FDCPA XXXX ( false representation, unfair collection ) FCRA 604 ( no permissible purpose to access/post-bankruptcy information ) FCRA 611 & 623 ( reporting unverifiable debt ) I have security freezes on XXXX, XXXX, XXXX, and other third-party sources, so they can not legally verify or access any account information.

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 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2025-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
While I was attending XXXX XXXX XXXX XXXX, I did not have access to my phone, email, or any banking notifications. During this period, Chase closed multiple credit card accounts without providing any notice I could receive. The accounts were marked as past due, but I had no ability to view alerts or make payments while on active-duty military orders. 

After completing training, I learned that the accounts had been closed and could not be reopened. These actions significantly affected my credit and financial standing, even though the circumstances were entirely beyond my control due to military service communication restrictions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I booked a rental through Capital One Travel. The listing clearly stated it fits up to 4 guests and showed multiple beds, which implies more than

one room. When we arrived, we discovered the property is officially classified by the building as a studio, not a multi-bedroom unit. Because of that, the building only allows 2 guests to use the pool and amenities, even though we were a group of 3 and paid for a unit advertised as suitable for 4. This means : The listing was factu
ally inaccurate The amenities we paid for were restricted The unit was not what was advertised by Capital One Travel I contacted the host multiple times. She keeps responding I will update you, but has not fixed the issue, and our stay ends tomorrow at 11 a.m., so nothing can be corrected.

I called Capital One to dispute the charge. Instead of opening an investigation or providing temporary credit, Capital One told me they cant do anything unless the merchant approves the refund. The host is the one misrepresenting the property, so relying on the host to approve a refund is not a real dispute process. 

Capital One is refusing to resolve or investigate the dispute, even though the listing was misleading and the service purchased did not match what was delivered. I am requesting CFPB assistance because Capital One is not honoring basic credit card dispute protections.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-16 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:
There has been fraudulent accounts made to my consumer report that I do not recognize as mine, several unauthorized charges made to my account that is not mine at all

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 2025-11-16 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
First I will have to say. TD bank has been nothing but a nightmare Have had my account compromised and they did nothing g to help me. 
The branchXX/XX/XXXXit up from the beginning I filed multiple disputes and was denied every time because of bank errors They included transactions i did... 
I spent almost 3 hours at the branch with another woman.And when she asked me if I authorized anybody to use my account or my debit card, I told her to no. But she clicked yes and then that one was denied saying that I authorized. 
Now there's new charges on my account.I can't log in can't use my debit card. I called in, and they're telling me that they're closing my account. And I have Multiple charges again that are not mine.And now they're telling me they don't know if they could file a claim. That I need to visit a branch.I trust in this branch, close to my house is not very good I spoke with XX/XX/XXXX and they confirmed that 1.Infinite loop is not them. I'll transactions I disputed were fromXX/XX/XXXX stating one infinite loop. 
Now I have charges that range from {$99.00} - {$190.00} from a game??? 
It's like fifty charges. Who does that!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-11-16 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: GA

Complaint narrative:
I am a victim of identity theft, this account was created and reported without my knowledge please remove it

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 2025-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
First of all, i've been hacked XXXX times since i've moved to florida XXXX months ago second of all the last time was so bad.They got into my XXXX XXXX XXXX account.I 'm XXXX XXXX percent disabled.I had to change all of my account numbers, and somebody opened XXXX credit cards.In my name capital one I have XXXX credit cards with them.And they charge me an obscene amount of interest I can no longer pay my bills.Nor feed myself

Company response to consumer: Closed with explanation