vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-06 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: DISCOVER BANK
State: GA

Complaint narrative:
Dispute of Collection Account Request for Immediate Removal Dear CFPB / Credit Bureau, I am writing to formally dispute the unauthorized exposure of my personal data, which has compromised sensitive information, including Social Security numbers, financial records, and personal identifiers. This breach represents an egregious violation of multiple consumer protection laws, including : Fair Credit Reporting Act ( FCRA ) Failure to safeguard consumer data from unauthorized access and identity theft.

Gramm-Leach-Bliley Act ( GLBA ) Negligence in securing financial and personal information.

Federal Trade Commission Act ( FTC Act ) Unfair and deceptive practices leading to consumer harm.

Identity Theft and Assumption Deterrence Act Exposure of personal identifiers increases fraud risk. 

Given the severity of this breach and its direct impact on my financial security, I demand the following IMMEDIATE actions : Written confirmation of whether my personal data was compromised and where it has been exposed. 
Detailed explanation of security failures, including preventive measures taken post-breach.

Immediate removal of my personal data from any unauthorized databases, preventing further exploitation.

Provision of identity theft protection services at no cost to me.

Monetary compensation for damages and security failures impacting my personal information. Failure to respond and take corrective action wit
hin 30 days may result in legal action, including the filing of formal complaints with the Federal Trade Commission ( FTC ), Consumer Financial Protection Bureau ( CFPB ), state attorney general offices, and relevant financial regulatory agencies. 



Account Name : XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: MI

Complaint narrative:
I am writing to formally express my concerns Regarding chimes handling of disputes, particularly in light of the recent CFPB lawsuit, highlighting significant issues with the platform. Despite using Chime numerous times and reporting discrepancies my financial institution and chime failed to investigate my claim adequately. They informed me that recovering lost funds wasnt possible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Chime has not only neglected to protect consumers, but has also allowed repeat offenders to exploit the system, leaving users, vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concern about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: AUTOMOTIVE CREDIT CORPORATION
State: LA

Complaint narrative:
Subject : Request for Removal of Hard Inquiry from Credit Report Dear [ XXXX  ], I hope this letter finds you well. I am writing to formally request the removal of an unauthorized or inaccurate hard inquiry from my credit report. I recently reviewed my credit report and noticed a hard inquiry listed under the following details : Company/Agency Name : [ XXXX XXXX ] Date of Inquiry : [ XX/XX/XXXX ] Upon further review, I believe this inquiry was either made in error or was not authorized by me. As this inquiry may have impacted my credit score and is potentially harming my creditworthiness, I kindly request that it be removed from my report. 

Please find below the relevant information to assist in your investigation : Full Name : [ XXXX XXXX ] Date of Birth : [ XX/XX/XXXX ] Social Security Number : [ XXXX ] Current Address : [ XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ] If necessary, I am more than happy to provide any additional documentation or clarification regarding this matter. I would appreciate it if you could confirm the removal of the inquiry at your earliest convenience. 

Thank you for your prompt attention to this issue. I look forward to your timely resolution. 

Sincerely, [ XXXX XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: Synergetic Communication Inc
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XX/XX/year> All negative and collection accounts on my credit report are due to identity theft and fraudulent activity I have no knowledge of any of these negative account and never opened them at all DISPUTE LETTER!!!!! 
XXXX XXXX XXXX XXXX XXXX XXXX rock, MI XXXX XXXX XXXX. XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. XXXX XXXX : XXXX. SYNERGETIC communications : Subject : Request for Compliance Under the Gramm-Leach-Bliley Act ( GLBA ) and Fair Credit Reporting Act ( FCRA ) Dear XXXX  I am writing to formally request that your institution comply with the provisions of the Gramm-Leach-Bliley Act ( GLBA ) ( 15 U.S.C. 6801-6827 ) and the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) concerning the handling, sharing, and reporting of my personal and financial information. 
Request for Disclosure of Information Sharing Practices Under the Financial Privacy Rule of GLBA, I request that you provide me with a written disclosure detailing : What personal and financial information you have collected, stored, and shared about me. 
The third parties with whom my information has been shared. 
The purpose for which my information was shared.

My rights to opt out of any non-essential information sharing.

Request for Verification and Accuracy of My Credit Information Under the FCRA, I am exercising my right to : 1. Request Verification Provide documentation verifying the accuracy and legitimacy of any accounts, inquiries, or negative information reported to the credit bureaus under my name.

2. Request Deletion of Unverified or Inaccurate Information If you are unable to verify the accuracy of the reported information, I demand its immediate deletion from my credit profile per 15 U.S.C. 1681i ( a ) ( 5 ).

3. Cease Unauthorized Sharing If my personal financial information has been shared improperly, I demand immediate corrective action to restrict any further unauthorized disclosure.

Notice of Legal Compliance & Rights Failure to comply with this request within 30 days may constitute a violation of federal privacy and credit laws, subjecting your institution to regulatory action and penalties under the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Please provide all requested information and confirmation of compliance in writing within 30 days from the date of this letter. If you require further clarification, you XXXX contact me directly at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI, XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
received a letter about a collection, Called asked them to look into this because this was not my debt because I was incarcerated from XX/XX/XXXX until XX/XX/XXXX, I mailed them proof of this and they removed it from my credit report to just add it back on a moth later, As i Looked it is the same account number # XXXX that was removed in XXXX and it was added back on in XXXX. This account was opened in XXXX and since I was incarcerated I was not able to open this account. They start to send me letters and call me all day for a debt that is not mine, they even went as far as calling me at XXXX in the 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 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: NV

Complaint narrative:
I requested that transunion send me the original documents used to confirmed the collection. It has been more than 30 days and i still haven't received a response. I want this collection from XXXX XXXX XXXX deleted off my credit profile immediately!

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 2025-10-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: SUNRISE CREDIT SERVICES, INC
State: AZ

Complaint narrative:
I am filing this complaint against Sunrise Credit Services , Inc. for engaging in deceptive and misleading communication practices in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

On XX/XX/year>, I received an email from Sunrise Credit Services , Inc . The email did not identify the sender as a debt collection company or disclose that the communication was an attempt to collect a debt, as required by federal law. Instead, the email was designed to appear as a legitimate message from XXXX XXXX XXXX, misleading me into logging into what appeared to be an XXXX XXXX XXXX account. 

At no point did the email contain any disclosure that it was from a debt collector or that the purpose of the email was to collect a debt. This type of communication is intentionally deceptive, violates transparency requirements under the FDCPA, and misrepresents the nature of the contact.

I am requesting that the CFPB investigate Sunrise Credit Services , Inc. for deceptive communication practices and failure to properly identify themselves as a debt collection agency.

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 2025-10-06 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: LA

Complaint narrative:
Subject : Request for Removal of Hard Inquiry from Credit Report Dear [ Equifax ], I hope this letter finds you well. I am writing to formally request the removal of an unauthorized or inaccurate hard inquiry from my credit report. I recently reviewed my credit report and noticed a hard inquiry listed under the following details : Company/Agency Name : [ XXXX ] Date of Inquiry : [ XX/XX/XXXX ] Upon further review, I believe this inquiry was either made in error or was not authorized by me. As this inquiry may have impacted my credit score and is potentially harming my creditworthiness, I kindly request that it be removed from my report. 

Please find below the relevant information to assist in your investigation : Full Name : [ XXXX XXXX ] Date of Birth : [ XX/XX/XXXX ] Social Security Number : [ XXXX ] Current Address : [ XXXX XXXX XXXX XXXX La XXXX ] If necessary, I am more than happy to provide any additional documentation or clarification regarding this matter. I would appreciate it if you could confirm the removal of the inquiry at your earliest convenience. 

Thank you for your prompt attention to this issue. I look forward to your timely resolution. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I am filing this formal complaint against Experian for their ongoing violations of the Fair Credit Reporting Act ( FCRA ) in connection with my identity theft dispute. On XX/XX/year>, I submitted a direct dispute with supporting documentation, including my FTC Identity Theft Report, government-issued ID, proof of address, and a sworn statement under penalty of perjury, to confirm that the XXXX XXXX XXXXXXXX was fraudulent. Despite receiving this information, Experian has failed to block or delete the fraudulent account as required under FCRA 605B and has not conducted a reasonable reinvestigation under FCRA 611 ( a ). Their continued reporting of this fraudulent account is causing ongoing harm to my credit file and financial well-being.

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 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Spring Oaks Capital, LLC
State: MN

Complaint narrative:
I am writing to formally request that you cease and desist all communication with me regarding the alleged debt you claim I owe, pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ).

You are hereby notified to stop all written and verbal contact with me, including but not limited to phone calls, text messages, emails, letters, or any other form of communication. You are also prohibited from contacting my family, employer, or any third parties about this alleged debt.

If you believe I owe this debt and intend to pursue further action ( e.g., filing a lawsuit ), you are permitted under the FDCPA to inform me of that once but you must otherwise cease all further contact.

Failure to comply with this request may result in a complaint filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and/or legal action for damages under the FDCPA. 

Please confirm in writing that you have received this request and will comply. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Source Receivables Management LLC
State: MN

Complaint narrative:
I am writing to formally request that you cease and desist all communication with me regarding the alleged debt you claim I owe, pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ).

You are hereby notified to stop all written and verbal contact with me, including but not limited to phone calls, text messages, emails, letters, or any other form of communication. You are also prohibited from contacting my family, employer, or any third parties about this alleged debt.

If you believe I owe this debt and intend to pursue further action ( e.g., filing a lawsuit ), you are permitted under the FDCPA to inform me of that once but you must otherwise cease all further contact.

Failure to comply with this request may result in a complaint filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and/or legal action for damages under the FDCPA. 

Please confirm in writing that you have received this request and will comply. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
When I got out of XXXX  i was trying to get a car and I found this collection account on credit report and I did not take out this card because I was in XXXX  at the time. I have sent them proof in XX/XX/year> that I was in XXXX  and this came off my credit for a few months and then it just came back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: LJ Ross Associates
State: TX

Complaint narrative:
I have recently pulled my credit report and noticed that there is a collection listing from your agency. 
I have never been notified of this collection action or that I owed the debt. 
This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. 
Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
Complete payment history on this account, to prove that the amount you wish to collect is correct. 
I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement.

This is a formal complaint against COMENITYCAPITALXXXX a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. 

COMENITYCAPITAL/XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
[ XX/XX/year> ] : I made a series of valid purchases through Capital One Shopping, including XXXX orders and a XXXX order for a XXXX mixer. 
[ XX/XX/year> ] : My account balance reflected approximately {$2800.00} in rewards ( earned + pending ). 
[ XX/XX/year> ] : I attempted to redeem a portion of my rewards through XXXX gift cards ( {$50.00} increments, consistent with Capital One Shoppings rules ) and successfully purchased an item. 
[ XX/XX/year> ] Capital One Shopping notified me that my account had been terminated for alleged reseller behavior. 
[ XXXX ] : I submitted multiple appeals and formal requests for release of my balance. Each request was denied, with Capital One Shopping citing their Terms of Service. 
[ XX/XX/year> ] : I received a final message from their Senior Manager, Customer Experience Team stating, Weve genuinely put our best efforts into assisting you, and while we wish we could do more, weve reached a point where our customer service team cant proceed further. Your account will remain terminated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: EQUIFAX, INC.
State: NV

Complaint narrative:
Greetings, I am sending this complaint because I still believe there are still error on my credit file. I would like you to verify the information below and verify that its not untimely, inaccurate, unverifiable or incomplete. Please evaluate these accounts below XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation