vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
This is a formal complaint and federal request for investigation into an ongoing, deceptive financial scheme involving Visa, Mastercard, and their hidden account updater programs. 

Since XXXX I have been repeatedly charged by companies I no longer do business with even after I canceled my cards and revoked billing access. Despite this, companies like XXXX XXXX, XXXXXXXX XXXX and others have continued to bill me, year after year, without me ever giving them updated payment information. 

Only now have I discovered the true source of the problem : Visa Account Updater ( VAU ) and Mastercard Automatic Billing Updater ( ABU ) hidden systems that automatically give merchants my new card information without my knowledge or consent. 

I was never notified about this. I was never given an option to opt in or out. I never agreed to let these companies receive my updated card data. Yet Visa and Mastercard, with the participation of issuing banks, have allowed my financial data to be shared behind my back, for years, resulting in repeated unauthorized charges. 

This is not a billing mistake. This is a multi-year, system-wide violation of federal law that has affected millions of Americans. 

I am demanding : A full federal investigation into Visa and Mastercards automatic card-updating systems Enforcement for violations of the Electronic Funds Transfer Act ( EFTA ) XXXX which requires written consent for recurring charges Enforcement of the FTC Act , which prohibits deceptive and unfair billing practices Regulation requiring transparency and mandatory consumer opt-in for any system that shares updated financial data This system is not just hidden its weaponized against the consumer. Every time we cancel a card to stop a subscription or fraudulent charge, Visa and Mastercard override that protection, enabling businesses to keep billing us through our new card. That is fraud, plain and simple. 

Ive already filed civil complaints against the merchants, but now I am coming for the source. This is digital XXXX of personal financial data, and no one has consented to it. 

I want to be contacted directly about this complaint. I am prepared to file a civil suit, go public, and organize others who have suffered the same financial harm unless this practice is stopped and companies are held accountable.

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 monetary relief
Consumer complaint received 2025-06-14 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: MO

Complaint narrative:
Attempting to collect a debt not owed. Service with the original servicer ( XXXX ) was cancelled before the charges were claimed.

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 2025-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
Business PayPal held my account for 180 days, which had a balance of {$450.00}. On XX/XX/2025, and XX/XX/2025, PayPal started removing all the money from my account without informing me about the issue. I ask them what was the reason they told me they cant disclose it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: OH

Complaint narrative:
Date : XX/XX/year> To : XXXX  and Equifax Subject : Fraudulent Account Dispute Request for Permanent Deletion ( XXXX {$1800.00} ) Dear [ Dispute Department Representative ], I am writing to formally dispute a fraudulent credit card account reported in my name by XXXX in the amount of {$1800.00}. 
Let me be absolutely clear : this account is not mine. I have never applied for, used, or authorized any account with XXXX. I am a XXXX individual, and I believe someone stole my personal information and fraudulently opened this account without my knowledge or permission. 

Applicable Consumer Protection Laws : 15 U.S.C. 1681e ( b ) Requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy. Reporting an account that does not belong to me is a violation of this obligation. 
15 U.S.C. 1681i Requires that upon receipt of a dispute, the CRA must reinvestigate and delete unverifiable or inaccurate information within 30 days.

15 U.S.C. 1681c-2 ( FCRA 605B ) Mandates that upon receipt of identity theft documentation, the account must be blocked from the credit report within 4 business days.

15 U.S.C. 1681n & 1681o Establish civil liability for willful or negligent noncompliance with FCRA requirements. 

My Formal Requests : Immediately and permanently delete the XXXX account ( {$1800.00} ) from my credit report. 
Block this account from any future reinsertion unless full, original documentation is provided proving I applied for and authorized this account.

Provide written confirmation of the results of your reinvestigation and details of any action taken. 
This account is the result of identity theft, and I am including supporting documentation such as an FTC Identity Theft Affidavit, government-issued identification, and, if applicable, an identity theft police report. 
The continued reporting of this account constitutes a serious violation of federal law and is causing me undue harm. If this matter is not resolved properly and promptly, I will escalate the issue to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) and consider taking legal action. 

Thank you for your immediate attention. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: LA

Complaint narrative:
Jefferson Capital Systems LLC account number XXXX. I am unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account number XXXX from my report as soon as possible, or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
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, AZ XXXX ]. {$26000.00} XXXX Subject : Dispute of Alleged Debt and Request for Validation Under FDCPA 15 U.S. Code 1692g To Whom It May Concern, I am writing to formally dispute the validity of the alleged debt you claim I owe, related to a car loan. This letter is a request for full debt validation, as permitted under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g. 

I respectfully request that you provide all relevant documentation to prove that I am legally obligated to pay this debt. Specifically, I am requesting : XXXX. The name and address of the original creditor. 
XXXX. A copy of the original loan agreement or contract bearing my signature. 
XXXX. A full itemized statement including the principal, interest, fees, and payment history. 
XXXX. Proof that your organization is authorized to collect this debt, and the chain of custody if it has been sold or transferred. 
XXXX. Evidence that your organization has legal standing to collect this debt on behalf of the lender or dealership. 

In addition, I would like to document an important conversation I had when I reached out by phone in an effort to work in good faith to resolve the issue. I called to discuss the terms of the loan because the interest rate was too high, and I was willing to negotiate a lower interest rate and more affordable monthly payments. However, the representative I spoke towho identified herself as part of your organizationtold me that they were not the bank or the lender, and that they were Just a third party organization only connects customers to the car dealership. 

This left me deeply confused : If you are not the bank or the lender, and have no authority to modify the loan terms, why are you contacting me about making payments? If you do not own the debt or have a valid assignment from the lender, I demand immediate clarification and proof of your right to collect on this matter. 

Until you provide full validation and documentation of this debt, you must cease all collection activities, including reporting this debt to credit bureaus or initiating any legal action. 

Failure to comply with this request may constitute a violation of the FDCPA, and I reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Attorney Generals Office of my state. 

Please respond to this request within XXXX  days from the date of this letter. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: LA

Complaint narrative:
The original creditor is XXXX XXXX XXXX XXXX, but it's listed on my credit report as National Credit Systems, account number XXXX. I am unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete the account from my report as soon as possible, or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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:
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, 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 2025-06-14 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I bought concert tickets on line for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for a concert on XXXX XXXX XXXX XXXX XXXX XXXX 
I believed that I was purchasing the tickets from XXXX XXXXr b/c the website looked exactly like XXXX XXXX website, but XXXX hijacked their website and fraudulently posted the sale at {$270.00}. They also asked if I wanted to use XXXX pay later. Which I did. Synchrony Bank is the institution for Amazon XXXX. I have been corresponding with them to return my money and cancel the sale, but they have denied my claim so far. I have resubmitted this claim and I am awaiting a response.

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 2025-06-14 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: CA

Complaint narrative:
Reinsertion Complaint FCRA 1681i ( a ) ( 5 ) ( B ) Violation Complaint Summary : I am submitting this complaint against TransUnion for unlawfully re-inserting a previously deleted paid collection account into my credit file without proper notification or certification from the furnisher, in direct violation of 15 U.S. Code 1681i ( a ) ( 5 ) ( B ) of the Fair Credit Reporting Act ( FCRA ). 

Account Details : XXXX : NV XXXX Original Balance : {$96.00} Current Balance : {$0.00} ( Paid ) Account Opened : XX/XX/XXXX Account Closed : XX/XX/XXXX Status : Closed Paid Collection Credit Bureau XXXX XXXX TransUnion XXXX XXXX XXXX : This account was previously removed from my TransUnion credit report. It has since been reinserted without : Written notice to me within 5 business days Certification from the furnisher that the information is accurate These are both legal requirements under FCRA 1681i ( a ) ( 5 ) ( B ). TransUnion has failed to comply, and this reinsertion has negatively impacted my credit standing without legal justification.

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 2025-06-14 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:
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 XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-06-14 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: VA

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX. XXXX XXXX XXXX, PA XXXX RE : XXXX Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} INQUIRIES : 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 non-monetary relief
Consumer complaint received 2025-06-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: NY

Complaint narrative:
I am writing to formally dispute my federal student loans and request a full discharge due to a serious breach of my personal and financial information. My private data was accessed and/or shared without my authorization, in violation of multiple federal laws designed to protect student loan borrowers. 
I believe the following federal protections were violated : - Violation of the Family Educational Rights and Privacy Act ( FERPA ) : My student records were disclosed or mishandled without my consent, which violates FERPA 's strict confidentiality rules.

- Breach of the Privacy Act of 1974 : My financial and personal information was improperly accessed or shared without my authorization, violating my right to data privacy under federal law.

- Violation of the Higher Education Act : As a student loan borrower, my data should have been protected. Mishandling it represents a failure to follow federal guidelines.

Student Loan Dispute Letter - Breach of Contract and Negligence : The entity responsible for safeguarding my records failed to do so, putting my financial security at risk.

- Unauthorized Disclosure to Third Parties : It has come to my attention that my data was shared with unauthorized entities without notice or permission.

Request : Under these legal circumstances, I am formally requesting : - Immediate cancellation and discharge of all federal student loan debt associated with my name.

- A detailed investigation and written response regarding the above-stated violations.

As of today, my total loan balance serviced by your agency is {$44000.00}, with repayment scheduled to resume on 6/16/2025. Please consider this a formal dispute under the Fair Credit Reporting Act ( FCRA 611 ( a ) ( XXXX ) ( A ) ). If no resolution is provided within 30 days, I reserve the right to escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing XXXX late payments reported on my mortgage account with XXXX XXXX account ending in XXXX ) on my Experian credit file. The late payments are reported for XXXX, XXXX, XXXX, and XX/XX/XXXX, and XX/XX/XXXX. 

I have requested verification from Experian under the Fair Credit Reporting Act ( FCRA ) 1681i, but to date, they have not provided documentation that these delinquencies are accurate. I believe this is a violation of my rights as a consumer and a failure to conduct a reasonable investigation. 

Additionally, I believe Experian has failed to : Properly flag the account as under dispute using the Metro 2 XB compliance code Notify me of the results of any reinvestigation or provide name/contact info of the furnisher Provide any billing records, statements, or logs showing the alleged delinquencies I request the CFPB to investigate this matter and ensure that Experian corrects or deletes these inaccurate entries. This has negatively affected my creditworthiness and access to credit.

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 2025-06-14 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: CAINE & WEINER COMPANY, INC.
State: IL

Complaint narrative:
I am submitting a follow-up to my original complaint ( XXXX ) regarding Caine & Weiners false and misleading response about a collection account related to XXXX XXXX XXXX. In their response dated XX/XX/year>, they falsely claimed that there is no trade line currently reporting on this account. This is completely inaccurate, as the account is actively reporting on both my XXXX  and XXXX  credit reports as of XX/XX/year>. This violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ), which prohibits furnishing inaccurate or incomplete information to credit bureaus, and 15 U.S.C. 1681i, which mandates a prompt and complete investigation of disputed information. 

Caine & Weiner also stated that they are working with the creditor and the consumer to resolve the matter. If they were truly communicating with XXXX, they would know that the account in question has already been paid in full. I have documentation confirming payment as well as an email from XXXX verifying that the account has no outstanding balance. Continuing to report a paid account as active violates FCRA 623 ( a ) ( 2 ), which requires furnishers to update and correct information, and possibly 623 ( a ) ( 1 ) ( A ) for knowingly reporting false information. 

Additionally, they claimed they are working with me directly. This is not true. I called their office and was told they could not speak with me because I am not listed on the accountonly my husband is. If I am not on the account, then they have no legal right to report this debt under my name. This would constitute unauthorized and unlawful credit reporting. If I am on the account, then refusing to speak with me violates my rights under FCRA 611 ( a ) and 623 ( a ) ( 8 ), which require that consumers be allowed to dispute debts and receive appropriate responses.

This company has demonstrated a pattern of disregard for my rights under the FCRA and submitted a response filled with falsehoods. If this is not corrected immediately, I will contact an attorney and seek damages under FCRA 1681n and 1681o for willful and negligent noncompliance. These damages include actual damages, statutory damages, attorneys fees, and potential punitive damages. 

I have included pictures of what they are reporting on my credit that I have also attached. 

I am demanding that this account be removed from all consumer reporting agencies immediately and that I receive written confirmation that it has been permanently deleted.

Company response to consumer: Closed with explanation