vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: FL

Complaint narrative:
Subject : Disputing Unauthorized Account & Invalid Electronic Signature Account Previously Marked {$0.00} Company : XXXX XXXX XXXX XXXX Debt Collector : Vance & Huffman Complaint ID : XXXX I am filing this complaint to dispute a line of credit account allegedly opened in my name by XXXX XXXX XXXX serviced by XXXX, and now placed into collections by Vance & Huffman ( Collection No : XXXX ). 

I did not open, authorize, or electronically sign any agreement with XXXX or XXXX XXXX. This appears to be a case of identity theft or unauthorized account origination. 

The creditor claims I electronically " signed '' for this account ( Account # XXXX ) by entering the last XXXX digits of my Social Security Number ( " XXXX '' ), which was then used to claim I consented to the agreement. However, this method does not meet the legal definition of an electronic signature under the XXXX XXXX ( XXXX XXXX. XXXX ( XXXX ) ) or Floridas Uniform Electronic Transactions Act ( XXXX XXXX. XXXX ). 

To be valid, an electronic signature must be : An electronic symbol or process logically associated with a document, Executed with clear intent to sign, and Done through an affirmative and secure process. 

The mere entry of a partial SSN is not a secure or verifiable signature method. There was no consent process, audit trail, or verification showing I agreed to the loan. I never visited XXXX, nor did I initiate or approve any ACH link to my XXXX XXXX  account ( which was listed without my authorization ). 

In addition, I previously disputed this debt, and on XX/XX/year>, I received a letter from a prior collectorXXXX XXXX XXXX XXXXstating that this same account ( XXXX # XXXX ) had a {$0.00} balance and was considered resolved. That letter is attached and shows this debt was either XXXX or deemed invalid more than a year before Vance & Huffman attempted new collection efforts. 

Despite this, Vance & Huffman has continued to validate this debt using documents that still do not show proof of a valid contract, signature, or consent. 

Relief Requested : I request that the CFPB instruct XXXX XXXX and its servicers to provide valid documentation that meets federal and state signature standards. 

I request that Vance & Huffman immediately cease all collection activities and remove any credit reporting related to this debt. 

I request that this account be formally marked as the result of fraud or unauthorized activity, with no further liability assigned to me. 

I request that any entities holding this debt recognize the XX/XX/year> XXXX-balance confirmation as resolution of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: MA

Complaint narrative:
enying my appeal after getting information from XXXX XXXX XXXXXXXX an afadavit from my wife and myself and 3 page letter on what happened including screenshots of the scammers conversation with us and the listing we had up a letter from XXXX XXXX  XXXX stating that it was a mistake and everything fraud wise is closed and wasnt supposed to be opened in the first place and finally a supervisor from the fraud team at XXXX XXXX XXXX put in the notes of the docile that goes back and forth during the investigation that it was XXXX XXXX XXXX  that made the mistake its all cleared up on their end and that there was never any fraud or suspect payments to my account in the first place. Ive been a member there for XXXX years. I want my account and my money back. They never shouldve been closed in the first place. They received a slew of evidence from every source you could imagine validating my story. This is disgusting discriminating behavior that cant be simply brushed under the rug and have nothing be fixed and my accounts not restored. XXXXXXXX XXXX needs to do the right thing and acknowledge their mistake or whatever you wan na call it and give me back my account as they were.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
This is my third formal complaint against this company. I already filed previous disputes and won : XXXX  closed this account for lack of evidence, as shown in the attached document. 
This company has re-reported that same debt without a contract or signature of mine, which violates the Fair Credit Reporting Act. 
I've already won with XXXX  and XXXX, but this company continues to abuse the credit system. 
I demand that they completely remove any accounts associated with my name under that company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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: AL

Complaint narrative:
On XX/XX/year>, I made a purchase from XXXX totaling {$520.00} using my Capital One Venture X credit card. The item was marked as delivered via XXXX  ( tracking # XXXX ), but I never received the package. 

I filed a dispute with Capital One within the XXXX period. As part of the dispute, I provided detailed documentation, including : My communication with XXXX customer service, who agreed a refund was appropriate but said the third-party seller was refusing it. 
I submitted Evidence showing the delivery photo provided by XXXX  was not taken at my doorstep, and I had XXXX deliveries on that day only XXXX them got delivered. 
A statement that neither I nor anyone I authorized received or signed for the item. 

Despite submitting all this documentation within the required time frame, Capital One denied the dispute and rebilled the charge to my account. I believe this is a violation of the XXXX Credit Billing Act since I did not receive the merchandise and provided proof of that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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: EQUIFAX, INC.
State: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under XXXX XXXX XXXX. FCRA XXXX ( XXXX XXXX. XXXX ) FCRA XXXX ( b ) Block - XXXX XXXX XXXX XXXX XXXX ) - XXXX XXXX XXXX XXXX a ) XXXX - XXXX XXXX XXXX XXXX a ) XXXX ( B ) XXXX - XXXX XXXX XXXX XXXX a ) ( XXXX ) B XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Section XXXX A. State I have the right to privacy. 
XXXX XXXX XXXX Section XXXX A Section XXXX : It also states consumer reporting agency can not furnish a account without my written instructions XXXXXXXX XXXX XXXXXXXX. ( a ) ( XXXX ) 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 PLEASE REMOVE ALL ACCOUNTS A.S.A.P ACCOUNTS : XXXX XXXX Account # : XXXX * * * * XXXX XXXX Account # : XXXX * * * * XXXX XXXX Account # : XXXX * * * * XXXX  Account # : XXXX * * * *

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On or about XX/XX/year>, I reviewed my TransUnion credit report and identified several accounts containing inaccurate, unverifiable, or outdated information. As permitted under the Fair Credit Reporting Act ( FCRA ), I submitted a formal written dispute via certified mail to TransUnion. My dispute included a detailed explanation of the errors and was supported by documentation. I also provided proof of delivery through tracking information and a signed green return receipt. 

Despite proper notice and documentation, TransUnion failed to conduct a lawful and reasonable investigation as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which mandates that a consumer reporting agency shall conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

Additionally, TransUnion closed the dispute without sending me the results of the reinvestigation, any explanation of their findings, or any supporting documentation used to verify the disputed information. This is a violation of 15 U.S.C. 1681i ( a ) ( 6 ) ( A ), which requires a consumer reporting agency to provide written results of the reinvestigation to the consumer within XXXX XXXX 

After this unresolved dispute, I made multiple attempts to obtain my updated annual credit report through XXXX system, which were denied without explanation. Denying me access to my own credit file is a violation of 15 U.S.C. 1681g ( a ) ( 1 ), which gives every consumer the right to request and receive XXXX free disclosure of their credit report annually. 

On XX/XX/year>, I submitted a second certified mail dispute to TransUnion, again identifying the same inaccurate or unverifiable accounts and requesting a proper reinvestigation. As with the first dispute, I received no reinvestigation results, no proof or documentation supporting the continued reporting of the disputed accounts, and no communication explaining their outcome. This is a repeated violation of 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), which states that if information is verified, the consumer has a right to a description of the procedure used to determine its accuracy, and of 1681i ( a ) ( 7 ), which entitles the consumer to receive all documentation related to the dispute. 

In conclusion, TransUnion has repeatedly failed to perform a reasonable investigation or reinvestigation, failed to respond with results and required documentation, and unlawfully withheld access to my credit report. These actions represent willful and negligent violations of the Fair Credit Reporting Act, and I reserve the right to seek damages under 15 U.S.C. 1681n ( for willful noncompliance ) and 1681o ( for negligent noncompliance ).

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 2025-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On or around XX/XX/XXXX my debit card via CITIBANK stopped working. Then around XX/XX/year> my account was closed with no notice. I called them regarding the closure of my account and they gave me no information and said I would receive a notice in the mail with information on why my account was closed. I received a letter in the mail with no information on why my account was closed, it stated I went against their guidelines but didnt not provide any information how and that Id received a check with the remaining balance that was in my account. Ive been banking with CITIBANK for 10 years now, Ive never had a problem with them and now theyve closed my checking account.

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 2025-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
Navy Federal Credit Union closed my checking account, claiming fraud was involved. I informed them that my account had been hacked and unauthorized transactions were made without my consent. Despite reporting this fraud promptly, XXXX XXXX closed my checking account and is now trying to charge me an {$840.00} fraud-related fee. 

Meanwhile, my savings account remains open, and they are attempting to collect this large fee from those funds. I believe it is unfair and improper to charge me for fraud that I did not cause or authorize. XXXX XXXX has failed to properly investigate the fraudulent activity or provide a fair resolution. 

I want XXXX XXXX to cancel this wrongful {$840.00} fraud fee, reopen or resolve the checking account closure fairly, and protect my savings funds from being used to cover charges for fraud they failed to prevent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: EQUIFAX, INC.
State: NY

Complaint narrative:
My XXXX  XXXX balance increased from {$55.00} to {$320.00}, which caused a XXXX XXXX  in my credit score, even though my utilization stayed below XXXX XXXX. The balance has since been paid in full and is now {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
Bridgecrest continues to report account with incorrect balance after having charged off the account and sold it to a third party collection company. The automobile was sold at auction in 2020 by Bridgecrest after voluntary surrender due to transmission recall. I have asked for the original contract with signature of agreement with payment ledger and it has not been provided over the past ( XXXX ) XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-06-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
I am disputing a collection account reported by LVNV Funding LLC for {$650.00}, originally opened in XX/XX/2022 and still listed on my XXXX XXXX XXXX reports. On multiple occasions, including through my XXXX XXXX XXXX, I submitted written requests for debt validation. I specifically asked for documentation identifying the original creditor, a breakdown of the charges, and proof that XXXX XXXX had legal authority to collect this debt. 

Despite this, I never received any response or supporting documentation. The account continues to be reported as active, open, and past due. I believe this is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), which require accurate reporting and proper validation upon request. 

I am requesting that this account be removed from all consumer credit reports immediately due to failure to validate and continued inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
This is for American Express chargeback dispute XXXX. They are being XXXX to me because I am XXXX and they are not believing my evidence and are constantly postponing this chargeback. They are now reaching out to the merchant a second or third time. Despite the fact that the merchant previously lied to him and gave them the whole wrong tracking number. American Express seems to side with the lying merchant because they are XXXX to XXXX customers like me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: OH

Complaint narrative:
To Whom It May Concern : I am submitting this complaint regarding Equifax 's failure to properly investigate my consumer report dispute, in direct violation of their obligations under the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I filed a formal dispute with Equifax to correct fraudulent and inaccurate information appearing on my consumer report. Instead of conducting a proper investigation, Equifax responded with a stall letter that neither addressed my dispute nor took steps to resolve the inaccuracies. 

I am aware that the CFPB has recently filed a lawsuit against Equifax for these very same practices namely, their systemic failure to properly investigate consumer disputes. I am a direct victim of this misconduct. 

As a XXXX veteran who suffers from XXXX, this experience has been extremely XXXX  and XXXX XXXX I am currently in the process of closing on a mortgage, and I am under strict time constraints with only XXXX week remaining to finalize my home purchase. XXXX refusal to lawfully process my dispute is putting my homeownership at serious risk, compounding my stress and potentially causing irreparable harm to my financial future. 

I respectfully request that the CFPB take immediate action to ensure Equifax fully complies with the FCRA, properly investigates my dispute without further delay, and removes the fraudulent and inaccurate items from my consumer report. I also request that Equifax be held accountable for the injury and distress they have caused. 

I am attaching supporting documents, including copies of my dispute submission and XXXX stall letter, should you require further evidence of their noncompliance. 

Thank you for your immediate attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am filing this complaint regarding the continued reporting of the following accounts on my credit report by XXXX  and TransUnion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have been removed from my XXXX  report after dispute, indicating that they could not be verified. However, they continue to be reported by XXXX  and/or TransUnion in XXXX cases marked as closed but still appearing and impacting my credit profile. 

I submitted disputes directly to the credit bureaus and to the furnishers pursuant to my rights under the Fair Credit Reporting Act ( FCRA ). Despite doing so, the disputed accounts remain on my report with no documented verification or supporting evidence provided by the data furnishers or credit bureaus. 

This violates the following sections of the FCRA : 611 Failure to conduct a reasonable investigation upon receiving my dispute.

623 Continued reporting of inaccurate or unverifiable information by furnishers.

1681e ( b ) Failure of credit reporting agencies to ensure maximum possible accuracy. 

XXXX deletion of these accounts demonstrates they could not verify or validate the data. Therefore, XXXX  and TransUnions continued reporting of these accounts, especially without validation, is inconsistent and harmful.

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 2025-06-07 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: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
American Express is XXXX to XXXX customers like me. They have indefinitely postponed resolving this dispute multiple times and claim they are investigating it when its a very simple issue. I didnt receive the product I ordered and sent them photo proof that what was inside the box I received there was no product I ordered. They keep postponing this dispute and say they are working on it but I still dont have my full refund or full credit back. Despicable credit card company. This is for chargeback dispute XXXX with American Express XXXX

Company response to consumer: Closed with explanation