vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I am filing this complaint against XXXX, XXXXXXXX XXXX XXXXXXXX ( XXXX ), representing Capital One, N.A., for violating the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. Section 1692g by failing to provide a proper debt validation notice before initiating legal action against me.

This alleged debt is not valid. It originates from a dispute involving a defective computer purchased from XXXX, for which I initiated a dispute with Capital One. Capital One later reinstated the charge, inaccurately claiming " goods were as described and received in good condition, '' despite XXXX 's own technician confirming the defect. 

Rather than properly resolving the chargeback dispute, Capital Onethrough XXXXinitiated a lawsuit against me on XX/XX/2024 without ever providing a legally required debt validation notice beforehand. I was completely unaware of any outstanding balance or collection efforts until I was served with the lawsuit papers. 

Only after I filed discovery requests in court did XXXX produce a so-called " debt validation notice '' but by then, I was already defending myself in litigation. This is a direct violation of the FDCPA, which requires written notice of the debt within five days of the initial communication. 

By failing to provide timely validation, Capital One and XXXX : 1. Deprived me of my right to dispute the debt before being sued.

2. Caused undue stress and unnecessary legal expenses due to their failure to follow federal law.

3. Engaged in improper collection practices by taking legal action before fulfilling their FDCPA obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
was recenty reviewing my Credit Report and noticed that there were raudulent accounts that I did not authorize. 
Under the Fair Credit Reportina Act ( FCRA ), 15 U.S.C. 6 1681. I have the ight to dispute inaccurate, fraudulent, or unverifiable information on my credil report. I request that this account be removed from my Credit Report XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I am submitting this formal complaint against Synchrony Bank for its repeated and arbitrary closures of my credit accounts, most recently my PayPal Mastercard account. While this account had a modest credit limit of {$100.00}, the reasons cited for its closure are misleading and appear to be the result of Synchronys own actions rather than legitimate financial risk. 

Synchrony Bank claimed that the closure was due to a now-resolved issue with my mortgage companys reporting, which should no longer be a factor in account decisions. Additionally, Synchrony has repeatedly lowered the credit limits on my other accounts, artificially inflating my credit utilization ratio. This manufactured increase in utilization has then been used as a justification for further account closures, creating a harmful cycle that negatively impacts my credit profile. 

This is not the first time Synchrony Bank has closed an account of mine under questionable circumstances. Their unfair and seemingly retaliatory business practices are causing undue harm, and I am concerned that many other consumers are experiencing similar treatment. 

I urge the CFPB to investigate Synchrony Banks account closure policies and their impact on consumers credit health. Please let me know if additional details or documentation are needed.

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 2025-03-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-03-15 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: EQUIFAX, INC.
State: IN

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: DISCOVER BANK
State: NY

Complaint narrative:
XX/XX/year> - A request to complete my XXXX form was emailed to me. Also in this email, I was informed hold was placed on my Discover student credit card until I complete this form. The due date for this form was XX/XX/year>. 

XX/XX/year> - I submit this completed form using the steps presented to me in the email. I receive confirmation of my XXXX being received. 

XX/XX/year> - I receive a email saying my account has been closed because they are unable to verify my personal information. 

XX/XX/year> - I called and spoke with serval representative, being transferred higher with each person I spoke to, eventually speaking with someone who can help with my situation. I then requested the documentation stated prior in this form as well as any explanation that can be given on the phone. I was provided with no explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Westlake Services, LLC
State: MN

Complaint narrative:
Recently, I was in contact with Westlake Financial in XXXX XXXX, I was informed of my auto account being charged off, this is due to my car being in a car accident and becoming totaled. I was unable to pay further because the car was no longer in possession and was sent to junk yard due to the condition, the car was considered salvaged since the airbag deployed, which happened in XXXX of XXXX. 

I called and spoke with collections, I asked if they would be willing to forgive my loan as hardship, or at least settle, Westlake came up with a settlement amount of {$6500.00}. When I asked for payment plan, the told me I'd have to pay {$3000.00} per month for XXXX months and there's no way to extend that. I unfortunately can't afford as I am now XXXX  and nearing the end, so, I can't afford payments that high. I begged for help, but was treated poorly and unfairly, as someone that wanted to pay but has to jump through hoops. 

Then they won't update my credit bureaus properly, they have to report the accounts as charged off, which they still have not done.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute of Debt Collection Practices LVNV Funding LLC To Whom It May Concern, I am submitting this formal dispute against LVNV Funding LLC regardinXXXX their attempts to collect debts that I do not recognize or that has been reported inaccurately. Under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 ) and the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), I am asserting my rights to dispute this debt and requesting immediate action to correct these violations. 



Nature of the Dispute 1. Failure to Provide Validation LVNV Funding LLC has failed to provide proper debt validation as required under 15 U.S.C. 1692g. Despite my previous request ( s ), they have not furnished adequate proof that I owe this debt, including a copy of the original creditor agreement with my signature.

2. Potential Violations of FCRA If LVNV Funding LLC has reported this debt to any credit reporting agencies without proper verification, they may be in violation of 15 U.S.C. 1681s-2 ( b ), which requires debt collectors to conduct a reasonable investigation upon dispute. 

XXXX. Possible Time-Barred Debt If this debt is beyond the statute of limitations for collection in my state, any continued collection efforts may be unlawful and misleading under 15 U.S.C. 1692e ( 2 ) ( A ), which prohibits false representation of a debts legal status.

4. Harassment or Unfair Practices If LVNV Funding LLC has engaged in harassment, repeated calls, or misleading tactics, this constitutes a violation of 15 U.S.C. 1692d and 1692f.

Requested Actions 1. Immediate Cease and Desist Cease all collection activities unless proper validation is provided.

2. Removal from Credit Reports If this debt has been inaccurately reported, I demand its immediate deletion under 15 U.S.C. 1681i
( a ).

3. Investigation and Enforcement I urge the CFPB to investigate LVNV Funding LLC for potential violations and enforce applicable penalties. 



Please consider this letter a formal complaint against LVNV Funding LLC and take the necessary actions to ensure compliance with federal consumer protection laws. If I do not receive a satisfactory response, I will escalate this matter with legal action if necessary. 



I appreciate your prompt attention to this matter and request written confirmation of the resolution of this dispute. 



Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: W&A Intermediate Co., LLC
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX RE : Account # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim I am late paying owing you a total balance of {$550.00}. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

The Debt Validation Claim under the 15 USC 1692 G, I am requesting the following information : I want you to send me a full detailed list of payment history on this account. 
I want to see the original signature, that I agreed to on the contract for this creditor. 
Has there been any insurance claim found on this debt? 
I want to see the chain of title that you have to collect on this debt. 

Pending the outcome of my investigations of any evidence that you submit, you instructed to take no action that could be determined to any of my credit reports. 

Failure to respond within 30 days of receipt of this letter XXXXy result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( Including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
On XXXX XXXX, XXXX, my phone was stolen. Shortly after, an unauthorized transaction was made using my SoFi debit card through XXXX XXXX. The fraudster changed my XXXX XXXX email and used my linked SoFi account to transfer funds.

I immediately reported the fraudulent transactions to SoF
i. However, they denied my dispute in just one day, claiming the transactions were authorized because : The spending pattern matched my usual transactions. 
My credentials were used. 
An SMS or in-app confirmation was received. 
These conclusions are flawed because my phone was stolen, meaning the thief had full access to my apps, messages, and accounts. Just because my credentials were used does not mean I authorized the transaction. 

I provided clear evidence from XXXX XXXX, including a notification that my email was changed and that the transaction came from a different location. SoFi ignored this evidence and failed to conduct a proper investigation.

SoFi also refused to provide proof of the SMS or in-app confirmation they claim authorized the transaction. If my phone was stolen, how can they assume it was me who approved the charges? 

I requested my claim be reopened and a temporary credit issued per Regulation E. SoFi has failed to comply.

I am filing this complaint because SoFi has : Failed to properly investigate unauthorized transactions. 
Ignored clear evidence that my phone was stolen.

Denied my dispute without providing proof of their claims.

I request that SoFi reopen my dispute, issue a temporary credit, and conduct a real investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: MS

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Account # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim I am 180 days late owing you a total balance of {$15000.00}. I have no title or address to this real estate you are claiming a debt against me. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including Experian, XXXX, and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigations of any evidence that you submit, you instructed to take no action that could be determined to any of my credit reports. 
Failure to respond within 30 days of receipt of this letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( Including but not limited to Section 807-8 ) Violation of the
Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

My contact information is as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : 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 2025-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was debunked by Chase Bank. 

I sold my shares from the company I was working for and the first that I did when I received my money in my XXXX checking account was to pay my debts to my creditors and debt collectors. After that, I proceeded to transfer some funds to my XXXXXXXX XXXX XXXX  savings account and Chase XXXX XXXX checking account to save and invest what was left of my money after paying my debts. 

Chase Bank restricted my accounts and informed me I can longer bank with them ever again. 

All I did was pay my debts and save and invest the remaining amount. I did not do anything wrong or unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 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: GA

Complaint narrative:
Subject : Dispute Related to Social Security Breach Dear Sir/Madam, I am writing to formally dispute any inaccuracies in my Social Security account resulting from the breach that occurred in XXXX. My name is XXXX XXXX and I believe that my personal information has been compromised, leading to unauthorized access and potential fraudulent activities. I request that you conduct a thorough investigation into my account and take the necessary steps to correct any discrepancies that may have arisen from this incident. Enclosed with this letter are copies of any relevant documents that support my claim, including [ list any relevant documents, such as identification or notices ]. I appreciate your prompt attention to this matter and look forward to your response. Thank you for your assistance. Sincerely, XXXX XXXX. 

Account Name : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief