vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 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: OH

Complaint narrative:
Debt collector ignored binding arbitration demand and continued litigation in violation of FDCPA On XX/XX/year>, I formally disputed a debt Portfolio Recovery Associates , LLC ( PRA ) claims to have purchased and issued a binding arbitration demand under the terms of the original credit agreement with XXXX XXXX. This demand was sent by certified mail to both PRA and their law firm, XXXX XXXX XXXX XXXX XXXX, and filed with the court. 

The agreement states that arbitration can be elected even during litigation and that once elected, the matter must be removed from court and resolved through arbitration. 

Despite this clear election of arbitration, PRA continued litigating the case, including motions, discovery, and hearings. They never acknowledged or responded to my arbitration demand. They also failed to provide a legible copy of the arbitration clause or any agreement confirming their authority to proceed in court.

PRA never produced : A signed agreement showing I owe this debt A valid chain of title A Forward Flow or Purchase Agreement A response to my XX/XX/year> arbitration demand I am seeking {$4000.00} in statutory damages under the Fair Debt Collection Practices Act ( FDCPA ) for the following violations : 15 U.S.C. 1692e false/misleading representation of rights 15 U.S.C. 1692f unfair/unconscionable collection methods 15 U.S.C. 1692g failure to cease collection during a dispute PRA has demonstrated willful disregard of both contractual rights and federal consumer protections. I ask that the CFPB investigate PRAs failure to comply with my arbitration election and their ongoing collection conduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/year> I got an alert about an Inquiry on my XXXX account. It said a credit card was opened through Capital One in XXXX XXXX As I live in NC and was taking finals during that time I couldnt of opened that account and I dont like Capital One anyway. This is the 2nd time a card was opened in my name within 6 or 8 months from that Capital One.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: MA

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-05-15 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is ( XXXX ), filed on ( XX/XX/XXXX ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : Click or tap here to enter text. 
XXXX. XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.

Enclosed is a copy of my identification to verify my identity.

I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your 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 explanation
Consumer complaint received 2025-05-15 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: MD

Complaint narrative:
I am writing to formally dispute the inaccurate personal information listed on my credit report. Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

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 2025-05-15 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have already provided all required documentation proving that this information is the result of identity theft.Under federal law, you are legally obligated to block this information from my file within four business days of receiving my request and documentation. Your failure to act is not only a breach of the Fair Credit Reporting Act but is also grounds for civil liability and statutory damages.You are now on notice : remove the disputed item immediately. If you do not comply within 5 days, I will pursue legal action.I will not tolerate further delays or excuses Ive already submitted a FTC Complaint and CFPB Complaint youve already already violated my rights under 15 U.S. Code 1681c1 now Im requesting immediate removal of the following accounts now before I continue with a attorney and proceed with legal actions. 

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 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 explanation
Consumer complaint received 2025-05-15 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: CO

Complaint narrative:
I am writing to request the immediate investigation and removal of unauthorized accounts appearing on my credit report. I did not open or approve these accounts, and I am unfamiliar with their source. As provided under USC 1681g, I formally request that they be deleted within 15 days. Enclosed are relevant documents for your review. It is also important to note that conflicting and inaccurate account data is being reported to each bureau.

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Subject : Request for Investigation Regarding Experian Account Verification Method how they verify for third-party if I never give any permission that's identity theft according to the law Under Section 1681b of the Fair Credit Reporting Act ( FCRA ), a credit reporting agency may only disclose information on a credit report if there is a legitimate purpose, such as a credit application initiated by me, a specific legal obligation, or my express authorization. 
Dear Sir or Madam at the Fair Business Practices Branch, I am writing to request your assistance in investigating an account verification procedure conducted by Experian. Recently, through this portal " complaint # XXXX I have experienced difficulties accessing my Experian account, a failed verification To better understand this situation and take the necessary steps, I require Experian to provide me with detailed information regarding the specific method they used to Verify my bankruptcy and the account associated with my name and the last four digits of my Social Security Number XXXX. 
Specifically, I am requesting the following information : The exact verification method that was attempted or used. 
The date and time when the verification attempt was made. 
In the event of a failed verification, the specific reason for the failure, if recorded. 
Any documentation or records that Experian possesses regarding this verification process in my case. 
I would greatly appreciate your intervention in obtaining this information from Experian. I believe it is essential to understand the details of the verification process to resolve any existing issues and ensure the security of my personal information. 
Attached to this letter, please find mention any attached documents, Thank you for your time and valuable assistance in this matter. I am available to provide any additional information you may require and please they only send me a letter with not documents or anything about the investigation.

Sincerely they do whatever they want with us. 

Please HELP

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
I recently pulled my credit report and found very inaccurate accounts that are reporting. I have made a list of the information on the inaccurate accounts that I would like removed. I am in the process of expanding my business and can not get access to loans. Please review all attached documents and remove accounts that are listed. See Attached

Company response to consumer: Untimely response
Consumer complaint received 2025-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: MA

Complaint narrative:
I am filing this complaint to formally report an issue I have encountered with Navy Federal Credit Union ( NFCU ). I opened a new account with NFCU on [ XX/XX/year> ], and within 24 hours, my account was unexpectedly restricted without any prior notice or clear explanation. 

When I attempted to access the account, I was informed it had been placed under review or restriction. I have not engaged in any suspicious or unauthorized activity. All information I provided during the account opening process was accurate and submitted in good faith. 

Upon contacting customer service, I was given vague and inconsistent explanations regarding the cause of the restriction. I was not offered any concrete resolution timeline, nor was I given adequate instructions on how to resolve the matter. This has caused significant inconvenience, especially considering I had planned to deposit funds and begin using the account for essential financial transactions. 

I believe the handling of this situation has been unprofessional, opaque, and possibly discriminatory. I am concerned that Navy Federal is not adhering to fair banking practices, and this restriction may be affecting my credit or financial standing unnecessarily. Plus they took my 5 dollar deposit for opening the account and I need that back

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
NOTE : I was only refunded one payment of {$69.00}. In XX/XX/XXXX, I found a company for a business phone line. I filled out the application and NEVER submitted the application. Two days later, I received a call from the company, asking if I was ready to get a phone number and start my service. I stated, but would let them know. I never called back. I have my bills on autopay and did not notice the charges being taken. In XXXX XXXX an amount of {$200.00} was withdrawn, along with {$69.00} XXXX  XXXX, totaling {$690.00}. I filed a dispute in XXXX with Navy FCU and received {$690.00} back into my account. I asked that the company be blocked from withdrawing from my account. Another amount totaling {$480.00} has been taken from my account in XX/XX/XXXX. I disputed the charges again. I was refunded the total of {$480.00}, again. As of today, XX/XX/XXXX, the amount totaling {$480.00} was withdrawn from my account again. I called to dispute the amount and asked to reopen the case. I resubmitted the information again. Based on 18 U.S. Code ss 1344, the bank shall be fined {$1000.00} per infraction. These fraudulent charges have hit my account a total of 20 times since XX/XX/XXXX, on a continuous basis. This has caused a serious financial strain. {$1000.00} XXXX  XXXX {$20000.00}. I hesitate to close the account due to re-occurring bills and deposits assigned.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-15 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony Bank is the issuer of the Lowe 's card and I have not received a new card. However, I received a letter from Synchrony saying my request can not be approved. Lowe 's indicated I have a XXXX balance. Why was I denied? 

My address is : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please explain why I was denied. I always pay my full balance, on time, directly from my bank via auto-pay. My bank is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: Nelnet, Inc.
State: WI

Complaint narrative:
My complaint is with DEPTEDNELNET. Who has been falsely reporting a non-existing loan to my XXXX  account for the amount of {$2000.00} and this has been harming my credit report and my ability to get other loans or credit cards. 

I have tried to fix this 4 times before getting to this point. 

I called twice once in XX/XX/XXXX and once in XX/XX/XXXX, both times I was told no that they aren't going to fix it because they don't care and I was a low priority borrower. 

Then I attempted to file claims/dispute through XXXX  on XXXX XXXX, XXXX, which was denied. And on XX/XX/XXXX which was denied. 

I need this fixed by the end of the month if XXXX  or I'll be taking legal action and seeking monetary reconciliations instead of a passive approach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: IL

Complaint narrative:
The inquiry was not authorized XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report Inaccurate. Direct violation of 15 USC 1666b Billing Error. Please update the account to Paid as AgreedXXXX XXXX XXXX Please remove it from my credit report.

Inaccurate. Direct violation of 15 USC 1666b Billing Error. Please update the account to Paid as AgreedXXXX XXXX XXXX Please remove it from my credit report This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. 
XXXX XXXX XXXX XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: IL

Complaint narrative:
The inquiry was not authorized XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report Inaccurate. Direct violation of 15 USC 1666b Billing Error. Please update the account to Paid as AgreedXXXX XXXX XXXX Please remove it from my credit report.

Inaccurate. Direct violation of 15 USC 1666b Billing Error. Please update the account to Paid as AgreedXXXX XXXX XXXX Please remove it from my credit report This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. 
XXXX XXXX XXXX XXXX Please remove it 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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Please remove these unauthorized inquiries on my credit report.

Company response to consumer: Closed with explanation