vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
Ive had a SoFi checkings & savings account for maybe about 3 months now. Everything was going smoothly until around my birthday ( XX/XX/year> ) just this past Thursday. I received {$100.00} from my dad. I saw the money go through on the app that night. The next morning ( XX/XX/XXXX ) SoFi sends me an email at XXXX stating they had closed my account suggesting it may have been a violation of deposit. I called them right away to hear exactly what had happen. I only made two purchases this week. One at XXXX on Tuesday and the other an early birthday present ( XXXX ) for myself on Wednesday XXXX  The fact that they could not provide a reason is insane. The fact that they closed my account with no intentions of a warning or to communicate with me is awful. SoFi is a terrible bank to work with. And I am hearing they do not have a proper or real fraud and review team and are most likely using a bot to handle things. Filthy company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am filing a complaint regarding fraudulent activity on my Chase Bank account and the banks repeated denial of my claims. I was the victim of a sophisticated refund scam in which an individual impersonating a XXXX representative contacted me. The scam involved the following : The scammer claimed that a refund of {$6000.00} from XXXX had been mistakenly deposited into my Chase account. 

Under duress and fear that my account would be frozen, I was instructed to purchase gift cards totaling {$2400.00} and provide the card numbers to the scammer. 

At the time, I believed I was correcting an error, but I realized midway that it was a scam and stopped cooperating further. 

The scammer also briefly had remote access to my computer but I disconnected and removed their access immediately. 

I immediately reported the situation to Chase Bank. Despite this : Chase denied my first claim, citing that I had authorized the transactions. 

I filed a second claim, which was also denied, again stating I authorized the transfers. 

My account was frozen during this process, adding stress and hardship. 
I understand that : Any electronic transfers initiated by the scammer through remote access may qualify as unauthorized transfers under Regulation E ( 12 CFR 1005 ). I am probably wrong about regulation e but am desparate.

The gift card transactions, although initiated by me under deception, were part of a fraudulent scheme impersonating XXXX and should be treated under consumer fraud and deception protections. 

Despite reporting immediately and cooperating fully, Chase has refused to reimburse me. I request that the CFPB : Review Chase Banks handling of my claims, including whether proper RegulationE procedures were followed. 

Investigate the banks denial of my claims despite the documented fraud involving a scammer impersonating XXXX. 

Provide guidance or assistance to ensure I am reimbursed for the fraudulent transactions. 

I have attached the following documentation for review : Gift card receipts and photos Notes of my calls with Chase Bank, including dates, times, and representative names Timeline of the scam events Previous claim numbers and Chases denial letters I am requesting assistance to ensure that I am reimbursed for the {$2400.00} in losses incurred due to this scam, and that Chase complies with applicable federal protections for consumers. 

Thank you for your time and attention to this urgent matter. As I am retired raising an autistic adult son.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: FL

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-11-08 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: TX

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 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: Radius Global Solutions LLC
State: NV

Complaint narrative:
Complaint Summary : Radius Global Solutions is reporting a derogatory collection account to multiple credit reporting agencies without providing any validation of the alleged debt as required by 15 U.S.C. 1692g ( b ) of the FDCPA. I have formally disputed and requested validation, but the company has failed to provide any documentation proving the debts legitimacy or my obligation to pay it.

Despite my dispute, Radius Global Solutions continues to furnish unverified information to Experian and TransUnion, which is a direct violation of the FCRA, 15 U.S.C. 1681s-2 ( b ), which mandates that furnishers must verify disputed information or cease reporting it.

Their continued reporting of this unvalidated account has caused harm to my credit standing and reputation. This conduct constitutes willful and negligent noncompliance with both the FCRA ( 1681n, 1681o ) and the FDCPA ( 1692e, 1692f ).

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 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting by XXXX XXXX on an auto loan for which I am a cosigner. I do not possess or drive the vehicle, nor do I make the monthly payments. I received an email confirmation on XX/XX/year>, indicating the monthly payment had been successfully processed. 

However, on XX/XX/year>, I was notified that XXXX XXXX reported the account as XXXX  days past due, which caused a significant drop in my credit score. I contacted XXXX XXXX and was informed that the payment had been returned on the same day it was submitted. 

I was never notified by XXXX XXXX that the payment had been returned or that the account was becoming delinquent. I did not receive : Any email notices Any mailed notices Any phone calls prior to the XXXX delinquency reporting XXXX XXXX stated that they attempted to contact me on XX/XX/year>, and claimed the call was answered and hung up. I have verified that I did not answer that call ; I declined because I was in a meeting. Regardless, this call occurred after the account had already reached XXXX  days delinquent and therefore does not satisfy reasonable notice of payment failure or delinquency. 

Because I was not notified, I had no opportunity to correct the issue prior to the negative credit reporting. This lack of notification is inconsistent with fair service practices and has caused immediate and significant financial harm, as I am currently in the process of refinancing my home and the sudden credit score drop has affected that process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting by XXXX XXXX on an auto loan for which I am a cosigner. I do not possess or drive the vehicle, nor do I make the monthly payments. I received an email confirmation on XX/XX/year>, indicating the monthly payment had been successfully processed. 

However, on XX/XX/year>, I was notified that XXXX XXXX reported the account as 30 days past due, which caused a significant drop in my credit score. I contacted XXXX XXXX and was informed that the payment had been returned on the same day it was submitted. 

I was never notified by XXXX XXXX that the payment had been returned or that the account was becoming delinquent. I did not receive : Any email notices Any mailed notices Any phone calls prior to the XXXX delinquency reporting XXXX XXXX stated that they attempted to contact me on XX/XX/year>, and claimed the call was answered and hung up. I have verified that I did not answer that call ; I declined because I was in a meeting. Regardless, this call occurred after the account had already reached 30 days delinquent and therefore does not satisfy reasonable notice of payment failure or delinquency. 

Because I was not notified, I had no opportunity to correct the issue prior to the negative credit reporting. This lack of notification is inconsistent with fair service practices and has caused immediate and significant financial harm, as I am currently in the process of refinancing my home and the sudden credit score drop has affected that process.

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 2025-11-08 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: Atlanticus Services Corporation
State: FL

Complaint narrative:
On XX/XX/year> I discovered a hard inquiry from the XXXX XXXX XXXX  on my credit report. I did not apply for credit or authorize this company to access my credit file. I have no relationship with this company. Under the FCRA, only inquiries with permissible purpose and consent may be reported. I request that this be investigated and removed immediately. This inquiry is unauthorized and is negatively impacting my credit. Please provide documentation of my consent or remove the inquiry promptly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: CL Holdings LLC
State: TX

Complaint narrative:
I am submitting this complaint because two Jefferson Capital Systems collection accounts are being reported on my credit report that I have no knowledge of. The details are as follows : JEFFERSON CAPITAL SYST Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$730.00} JEFFERSON CAPITAL SYST Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$860.00} I have never opened, authorized, or had any account with Jefferson Capital Systems. These appear to be inaccurate or possibly fraudulent accounts. I request that the CFPB investigate this matter and require the furnisher to provide proper validation and proof that these debts belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately 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 explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Payactiv, Inc.
State: FL

Complaint narrative:
Tired multiple times to contact customer service by online chat and phone and every time they push me off like my concerns are not important. They absolutely can ship to a XXXX XXXX and they absolutely have not tried to verify nothing. But cool they'll still money out my account and everyone allows it to happen. They could also ship the card by XXXX, XXXX  my address is legit and recognized by XXXX, I know I get mail from them. But cool its pick on the XXXX  boy and steal from. Asked plenty of times and everyone is allowed to lie on me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Subject : Reinsertion & Inaccuracy Dispute XXXX XXXX XXXX Account Dear TransUnion/Equifax , I am writing to file a formal dispute regarding the reinsertion and reporting of a collection account from XXXXXXXX XXXX  ( Account Balance : {$5400.00}, Date Opened : XX/XX/XXXX ). 

This account has already been disputed within the past XXXX  days. The other credit bureaus have removed this same account due to verification failure, confirming that the data could not be properly verified. However, TransUnion/equifax continues to report this collection, which creates a material inaccuracy and inconsistent reporting in violation of the Fair Credit Reporting Act ( FCRA ) 1681e ( b ). 

The FCRA mandates that information furnished to credit bureaus be complete and accurate across all reporting agencies. When one bureau deletes an item due to unverifiable or inaccurate data, continued reporting by another bureau constitutes a failure to maintain reasonable procedures to ensure accuracy. 

I am therefore requesting : The method of verification, including the name, address, and telephone number of the furnisher contacted for verification. 

The date and source of verification used in your reinvestigation.

If TransUnion/equifax can not provide both items within 15 business days, this account must be deleted immediately from my credit file as required under FCRA 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 6 ) ( B ) ( iii ). 

Please provide written confirmation of your findings and actions taken. 

Sincerely, XXXX XXXX XX/XX/XXXX, last four ssn is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following accounts and inquiries. Block and remove it. 
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 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 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 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
EXPERIAN To Whom It May Concern, This letter serves as a formal notice of dispute and demand for permanent deletion of the above-referenced accounts from my consumer credit report.

Under 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), a debt collector must provide proper and complete validation of an alleged debt upon request before continuing collection or reporting activity. Despite my request for verification, no proper validation has been provided for any of the above accounts. 

XXXX XXXX XXXX XXXX Account number XXXX.... 
XXXX XXXX XXXX Account number XXXX.... 
XXXX XXXX Account number XXXX.... 
XXXX XXXX XXXX I Account number XXXX XXXX XXXX XXXX I Account number XXXX XXXX XXXX XXXX Account number XXXX ... 

Additionally, under 15 U.S.C. 1681i ( a ) of the Fair Credit Reporting Act ( FCRA ), the credit reporting agencies are required to conduct a reasonable reinvestigation when a consumer disputes the accuracy of reported information. Continuing to report unverifiable, unvalidated, or incomplete information constitutes willful noncompliance and furnishing inaccurate data in violation of 15 U.S.C. 1681s-2 ( b ). 

Therefore, I am demanding that you permanently delete and remove the above-referenced accounts from my credit file immediately. Failure to comply will leave me no choice but to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals Office for violation of federal consumer protection laws. 

Please provide written confirmation once these items have been deleted and removed 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 explanation
Consumer complaint received 2025-11-08 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: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : 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 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