vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Reel Time Capital LLC
State: IA

Complaint narrative:
On XX/XX/year> I received this email regarding a debt that I do not dispute but failed to pay ( I am willing to do so ) Customer ID : XXXX Total Oustanding Balance : {$3600.00} You have failed to make the payments required under the following credit agreement ( s ) with XXXX XXXX  XXXX - {$3600.00} past due As a result, on XXXX, we sold the debt ( s ) listed above to Reel Time Capital, a third-party debt buyer. All inquiries regarding the debt ( s ) listed above should be directed to Reel Time Capital at the contact information listed below : Reel Time Capital Over the last several weeks, myself and my family members ( who were not co-signers or included in any underwriting ) have been constantly harassed from multiple phone numbers threatening to locate me and file legal action with the county A transcript of the most recent voicemail is here : Once your claim is discharged from that office, your rights will be forfeited. Understand that each time we reached out he has documented the phone number provided for that office is XXXX reference claim number XXXX, this is considered your final notification by telephone and you will be located unless some instruct I called the number from the voicemail and provided the reference number- I specifically asked what this was in regards to, they told me XXXX, but would in no way provide any documentation, proof of debt, and stated they worked for a company called XXXX with no website, or address, and were simply legal filers on behalf of collecting the debt. 

I was told by XXXX I could pay the debt over the phone and in 3-5 days be provided with a document stating the case would not proceed. However they would not send me any invoice or proof of being responsible for collecting. 

I have tried to contact Reel Time Capital via phone at XXXX with no responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: OH

Complaint narrative:
XX/XX/XXXX Under U.S.C. Sec 15 1681,1682,1683,1684, ( a, b ) 10298g, within FCRA rights and requirements the attached items must be removed immediately. These items are a grave violation to my consumer credit report under FCRA U.S.C Sec 15 1681 which explains if an item can not be verified 30 days from receipt ( late payment, XXXX form from collection agency, printed copies of a persons signature and if this can not be validated under FCRA within 30 days from receipt the items must be removed. A counter lawsuit will be issued if deemed any credit bureau is in VIOLATION of my FCRA USC Sec 15 laws at any point. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$580.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$680.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1200.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1000.00} XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX Date Opened XX/XX/XXXX Balance {$0.00} * * Inquiries * * XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX REGIONALAC ( Bank ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX CA ( Finance ) XX/XX/XXXX XXXX CA ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX OF XXXX ( Auto ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX Finance ) XXXX XXXX, XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXXXXXX 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 2025-12-03 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: GA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXXXXXX XXXX  - XXXX XXXX XXXX XXXX  - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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:
I am submitting this complaint because Experian continues to report multiple fraudulent XXXX XXXX accounts on my credit file despite being provided with complete identity theft documentation, including my FTC Identity Theft Report ( Report No. XXXX ), government-issued identification, proof of address, and detailed affidavits outlining the identity theft. On multiple occasions, including notices dated XX/XX/year> ; XX/XX/year> ; and my Final Notice dated XX/XX/year>, I informed Experian that these accounts do not belong to me and were opened without my authorization. Experian has continued to report these accounts, which is a direct violation of FCRA 1681c-2 ( a ), requiring identity theft information to be blocked within XXXX business days. Additionally, Experian failed to conduct a reasonable reinvestigation as required by 1681i ( a ) ( 1 ), and has continued reporting or reinserting information without proper certification or notice, violating 1681i ( a ) ( 5 ). I have fully complied with all legal requirements, yet Experian refuses to delete the fraudulent accounts or provide verification details, including the name of the furnisher, the method of verification, and the documents relied upon. 

XXXX XXXX BANK XXXX XXXX, XXXX XXXX BANK XXXX XXXX, XXXX XXXX BANK 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 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I am filing a complaint because XXXX has refused to reimburse me for a {$5300.00} loss resulting from an impersonation scam / Approved Push Payment ( APP ) fraud, even though I acted under false pretenses and did not knowingly authorize the transfer. The bank closed my dispute with the explanation that it was an approved transaction, but this does not reflect the circumstances of the fraud. 

Full XXXX : I was the victim of a sophisticated impersonation scam involving individuals posing as XXXX XXXX customer support. I had legitimately been communicating with the airline about a refund, so when the scammers contacted me via XXXX with accurate flight details, I believed they were real representatives. 

They instructed me to download an app called XXXX, telling me it was part of their new refund/compensation process. They directed me to verify my bank account inside the app in order to release my refund. Under this false representation, I followed their instructions and initiated a transfer of over {$5000.00}, believing it was required to receive my airline refund. I never intended to send money to these individuals, nor did I knowingly authorize a payment to an unknown party. 

This is a classic Authorized Push Payment ( APP ) fraud / social-engineering scam, where the scammers deceived me into completing a transfer. My consent was obtained through fraudulent misrepresentation, which means the transaction was not authorized in any meaningful way. 

I immediately filed disputes with both XXXX and XXXX. XXXX denied my claim, stating that the transaction was approved. However, this denial fails to consider the induced fraud nature of the scam and ignores emerging industry standards and regulatory guidance around impersonation scams, where banks are expected to investigate XXXX fraud rather than categorically deny claims. 

I am requesting that XXXX : Reopen and reinvestigate my dispute, Properly classify this case as an impersonation fraud / APP scam, and Refund the funds lost due to this fraudulently induced transaction. 

I have supporting screenshots, a police report, an FTC fraud report, and communication with XXXX confirming the account is fraudulent. I am seeking CFPB assistance in ensuring XXXX follows proper procedures in evaluating this type of scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: OH

Complaint narrative:
XX/XX/XXXX Under U.S.C. Sec 15 1681,1682,1683,1684, ( a, b ) 10298g, within FCRA rights and requirements the attached items must be removed immediately. These items are a grave violation to my consumer credit report under FCRA U.S.C Sec 15 1681 which explains if an item can not be verified 30 days from receipt ( late payment, XXXX form from collection agency, printed copies of a persons signature and if this can not be validated under FCRA within 30 days from receipt the items must be removed. A counter lawsuit will be issued if deemed any credit bureau is in VIOLATION of my FCRA USC Sec 15 laws at any point. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$580.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$680.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1200.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1000.00} XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX Date Opened XX/XX/XXXX Balance {$0.00} * * Inquiries * * XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX REGIONALAC ( Bank ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX CA ( Finance ) XX/XX/XXXX XXXX CA ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX OF XXXX ( Auto ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX Finance ) XXXX XXXX, XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXXXXXX 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 2025-12-03 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: Fidelity National Information Services, Inc. (FNIS)
State: AR

Complaint narrative:
I am writing to dispute information appearing in my ChexSystems consumer report. I recently discovered that ChexSystems is reporting accounts, inquiries, or activity that I did not authorize, did not apply for, and did not consent to. My personal information was used without my permission, and I am filing as a victim of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ) 605B, you are legally required to block, remove, and stop reporting any information related to identity theft

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 2025-12-03 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: CO

Complaint narrative:
I am disputing the inaccurate reporting of my XXXX XXXX XXXX ( XXXX ) credit card account. 

On my XXXX  credit report, the entire XXXX XXXX  XXXX  tradeline, including the payment history, was deleted after XXXX failed to verify the alleged late payments from XX/XX/year> ( 30 days ) and XX/XX/year> ( 60 days ) during the reinvestigation process. XXXX  informed me that the furnisher could not verify the data, so the tradeline and prior payment history were removed. 

However, TransUnion and Experian are still reporting the same late payments, which creates a cross-bureau inconsistency. If XXXX could not verify the payment history for XXXX, then the same information should not be reported as verified by Experian or TransUnion. 

This indicates that the information currently appearing on TransUnion and Experian is unverified, which violates : FCRA 611 ( a ) ( 5 ) unverified information must be deleted FCRA 623 ( a ) ( 1 ) ( A ) furnishers may not provide information they can not verify FCRA 611 ( a ) ( 2 ) consumer is entitled to a proper method of verification Reinsertion rules data removed by one bureau can not be reinserted unless verified and certified I previously requested the method of verification from both the bureaus and XXXX, including documentation showing how these late payments were verified. No documentation or verification was ever provided. Responses appeared to be generic E-OSCAR codes rather than real verification. 

Requested Resolution : Because XXXX failed to verify this information for XXXX, I am requesting that TransUnion and Experian delete the XXXX XXXX XXXX tradeline entirely, OR at minimum, remove the unverified XXXX and XX/XX/year> late payments. 
I am also requesting the complete method of verification used by all parties. 

Thank you.

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 2025-12-03 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: MA

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 explanation
Consumer complaint received 2025-12-03 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am submitting a follow up on a previous dispute I submitted concerning inaccurate information on my credit report. Upon reviewing my most recent credit report, I continue to find discrepancies regarding the reporting of late payment statuses on several accounts. Despite my prior request, the following accounts still appear to reflect inaccurate or misleading information. I have thoroughly reviewed my personal records and payment history, and I maintain that the late payment reports associated with these accounts are incorrect. I respectfully request a renewed and thorough investigation into these matters, and that the necessary corrections be made as soon as possible. 
XXXX XXXX XXXX Balance : {$990.00} XXXX XXXXXXXX XXXX Balance : {$180.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$1900.00} XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00}

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 2025-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
I am receiving harassing mail from your partner XXXX about a debt I do not owe. I settled all credit card debt with USAA in 2024. I tried to get a hold of your customer service, but was kept on hold for ages. The last time you pulled this type of thing, you not only tried to cover up how horribly rude your customer service was to me, but you eventually settled with me for a measly {$320.00} for making me not able to get groceries for a literal week and basically starve over your incompetence. I will be filing suit against this company and I have absolutely lost faith in USAA. You will not harass me and unless I am adequately compensated for this nonsense, enjoy your time in court and dealing with the media.

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 2025-12-02 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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 Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
To whom it XXXX concern, I am writing to formally request a thorough review of a discrepancy involving my deposit made on XX/XX/year>, at the Chase branch in XXXX XXXX. 

Before entering the branch, I counted {$6500.00} in cash at home. At the bank, I supposedly only deposited {$3900.00} into the ATM located inside the branch and an additional {$2100.00} directly with a branch employee. I remind you that I entered the bank with XXXX XXXX However, only {$6000.00} was reflected in my account after the transaction, leaving {$410.00} unaccounted for. 

While I understand that a small miscount of {$20.00} {$70.00} could happen, a discrepancy of {$410.00} is highly unlikely. I contacted Chase immediately to report the issue and was given a temporary credit during the investigation. I have now received a letter stating that {$410.00} will be removed from my account before XX/XX/XXXX, even though the matter remains unresolved. 

I called again after receiving the notice, and I was informed that the branch reported no extra funds in the ATM. However, this does not resolve the discrepancy, as the missing amount could have occurred either during the ATM deposit or with the employee who assisted me. I am certain that I entered the branch with the full {$6500.00} in my envelope. 

Given that {$410.00} is a significant amount of money, I respectfully request a renewed and detailed investigation, including : A full review of the ATMs transaction records and internal cash logs for that day Surveillance footage of both my ATM deposit and my interaction with the employee Cash-handling records for the employee who received my deposit Thank you for your attention to this matter. I kindly ask to be updated as soon as possible with the results of this review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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:
I, XXXX XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is XXXX.

Company response to consumer: Closed with non-monetary relief