vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
Navy Federal reported missed payments on my account. While the late payments themselves are accurate, a Navy Federal representative stated that they would correct or adjust the reporting on my account.

I no longer have proof of this conversation, but the company promised to make the correction. Despite this, the missed payments remain on my credit report.

Under FCRA 623 ( a ) ( 2 ), furnishers must report accurate information and correct information when they agree to do so. Navy Federal has failed to honor their stated correction, which is negatively affecting my credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: CCF Intermediate Holdings LLC
State: KY

Complaint narrative:
I am filing a complaint regarding the handling, transfer, and reporting of an account originally held by Speedy Cash ( Account # XXXX ) and later sold to XXXX XXXX XXXX ( XXXX ). The account was charged off, sold without my knowledge, and then placed into collections for {$840.00}. 

I was never informed by Speedy Cash that the account was being sold or transferred, nor did I authorize my personal information to be shared with XXXX or any third party. 

The primary issue is that this account has been illegally re-aged and is being reported inaccurately by XXXX  and XXXX, despite being removed by XXXX  last month when it passed the federal 7-year reporting limit. Under 15 U.S.C. 1681c ( a ) ( 4 ) ( FCRA ), a collection account can not be reported longer than seven years past the Date of First Delinquency ( DOFD ). TransUnion and Equifax are both reporting an account that is no longer legally reportable.

I have disputed this issue with both TransUnion and Equifax, and despite the clear violation and the fact that Experian has properly removed it, both bureaus refuse to delete it. This is a violation of : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) reporting inaccurate information 15 U.S.C. 1681s-2 ( a ) ( 2 ) failure to correct inaccurate information 15 U.S.C. 1681i ( a ) failure to conduct a reasonable investigation XXXX XXXX XXXX is also reporting inaccurate information by allowing or causing this account to be re-aged, which may violate 15 U.S.C. 1692e ( 2 ) ( misrepresenting the amount or legal status of a debt ) and 15 U.S.C. 1692e ( 8 ) ( communicating false credit information ). 

This inaccurate reporting is damaging my credit, interfering with loan approvals, and causing financial harm. Since the account has already aged off of XXXX, the continued reporting by XXXX  and XXXX  is both inaccurate and unlawful, and appears to be negligent or intentional misreporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: NY

Complaint narrative:
Self XXXX XXXX reported missed payments on my credit report. The late payments were accurate, but I contacted Self and their representative confirmed that they would correct or adjust the reporting on my account as a courtesy.

I no longer have the proof of the conversation, but Self did state that they would make the correction. Despite this, the late payments remain on my credit reports and no correction has been made.

Under FCRA 623 ( a ) ( 2 ), furnishers must ensure information is accurate and must correct information when they agree to do so. Self failed to honor their stated correction.

This has negatively impacted my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Revolut Technologies Inc.
State: NY

Complaint narrative:
CFPB Complaint : XXXX XXXX XXXX XXXX XXXX XXXX : Unauthorized Transfer / Impersonation Scam / Improper Claim Denial ( Regulation XXXX Violation ) Complaint : I am filing this complaint because I was the victim of a scam involving XXXX impersonation, and both XXXX and Revolut have mishandled my fraud claim. I lost money that should be protected under Regulation XXXX as an unauthorized electronic fund transfer. Despite this, my claim was denied incorrectly. 
Here is what happened : Scammers contacted me through the XXXX app pretending to be Depop support. They told me my account needed to be verified after a supposed sale and instructed me to open a Revolut account, add money into it, and send a screenshot. They impersonated Depop in order to gain access to my Revolut account. 
After I transferred money from my XXXX account to Revolut, the scammers used Revolut to create a one-time virtual card without my consent or authorization. They then used that virtual card to withdraw the funds. I did not create that card, I did not authorize the withdrawal, and I did not receive any legitimate goods or services. This was pure impersonation fraud. 
I contacted Revolut immediately and reported that scammers created an unauthorized virtual card and took the funds. Revolut refused to refund me, even though the transaction was not authorized by me and was induced by fraud and impersonation. 
I then contacted XXXX and filed a dispute. I explained that I was tricked by a scam, that scammers accessed my Revolut account, and that the transaction was unauthorized. XXXX initially appeared to refund the money, but then reversed the refund and denied my claim. XXXX treated this as if I authorized the transaction, which is not true. I authorized a transfer into my own account under false pretenses I did not authorize the fraudulent virtual card transaction or the scammers withdrawal. 
Under Regulation XXXX, transfers induced by fraud, deceit, or impersonation are considered unauthorized, even if the consumer initiates part of the process. Both Revolut and XXXX failed to classify the event correctly as an unauthorized electronic transfer. 
I am requesting that : XXXX XXXX reopen the fraud claim, classify it correctly as unauthorized under XXXX XXXX, and issue a refund. 
2 Revolut conduct a proper fraud investigation, recognizing that the one-time virtual card was created and used without my consent. 
XXXX Both institutions provide full investigation notes explaining why the claim was denied despite clear impersonation fraud. 
I have acted in good faith at all times. I was scammed, my money was taken, and both institutions have refused protection that federal law requires. 
I am asking for CFPB assistance so that this matter can be resolved, my money can be refunded, and both banks can handle this type of fraud case appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: United Shore Financial Services, LLC
State: OR

Complaint narrative:
My husband and I ( XXXX and XXXX XXXX ) applied for a XXXX  XXXX loan with XXXX XXXX loans in XX/XX/year>. They broker to United Wholesale Mortgage. Our loan funded on XX/XX/year>. Prior to our closing, on Friday XX/XX/XXXX, I sent an email to XXXX XXXX at XXXX XXXX asking for his team to remove the Underwriting and processing fee they charged me that I noticed on my CD, as these are considered non allowable fees per VA guidelines. He refused, so I sent him a snap shot of the VA guidelines. They are quite clear and very specific. He again refused and said they would remain, and that I could contact United Wholesale Mortgage after funding since they were requiring these fees. I have uploaded these communications as well as the closing disclosure. I have been unable to speak to anyone that could assist me at UWM yet, which is the reason I'm reaching out. Further, It is my belief that if this happened to me, it's happening to other borrowers as well who would not know these fees are not allowed. I would like the XXXX they charged for these fees returned or applied to my account to lower the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: MI

Complaint narrative:
Please correct/update this inaccurate information on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Please correct/update this inaccurate information on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 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: FL

Complaint narrative:
I am submitting this formal dispute and urgent request for removal of multiple unauthorized, inaccurate, and unverified inquiries appearing on my credit reports with Experian, Equifax, and TransUnion, which continue to negatively impact my creditworthiness and misrepresent my true financial history despite repeated prior disputes. On Experian, the inquiries XXXX XXXX XX/XX/XXXXXXXX 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 appear without my consent and lack verifiable documentation. On Equifax, the inquiries TRXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX are similarly unverified and unauthorized. On TransUnion, the inquiries TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX are reported inaccurately and without proper authorization. These inquiries violate FCRA 619 15 U.S.C. 1681q, FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), FCRA 604 ( f ) 15 U.S.C. 1681b ( f ), and FCRA 609 ( a ) ( 1 ) 15 U.S.C. 1681g, which require that all inquiries be authorized, accurate, and verifiable. Their continued reporting demonstrates repeated noncompliance with federal law, misrepresents my credit activity, and has caused undue stress and harm to my financial standing. I am therefore requesting that all three credit bureaus permanently delete these inquiries immediately, provide written confirmation of their removal, and cease reporting these unauthorized and unverifiable items.

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 2025-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: PR

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I, 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 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 2025-11-15 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: NY

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer 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 2025-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
Chase Bank closed my newly opened checking account with no explanation and labeled it as a Fraud Department decision. I was told that Chase can not disclose the reason and that the ban can not be overturned. I have no banking history, no suspicious activity, and no history of fraud. This was my very first bank account.

Chase refused to give me : A written notice explaining the closure Any proof or documentation The opportunity to dispute or correct information The ability to speak to anyone who can review or reverse the decision Under the Fair Credit Reporting Act and general consumer banking rights, financial institutions should provide a clear explanation when adverse action is taken, especially when it impacts the consumers ability to access banking services.

By refusing to provide any information, Chase has placed a potentially incorrect internal fraud flag on my name, which may affect my ability to open accounts at other financial institutions. I believe the closure was done without proper investigation or verification, and I am requesting CFPB assistance in obtaining an explanation and ensuring Chase followed proper procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: CA

Complaint narrative:
I am submitting this follow-up to the Consumer Financial Protection Bureau regarding ongoing disputes with the three major credit reporting agencies : Experian, Equifax, and TransUnion. I have identified multiple inaccuracies on my credit reports, including incorrect addresses and unauthorized inquiries. Despite previously contacting each bureau directly and providing the required documentation to verify my identity and current addressincluding a government-issued ID, proof of address, and Social Security cardthese inaccuracies have not yet been fully corrected. 

The addresses currently reported in error include XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX ; and XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX. Additionally, my credit report incorrectly reflects a XXXX inquiry dated XX/XX/year>, which was not authorized by me. These inaccuracies continue to pose a risk to my creditworthiness and may negatively impact my financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX has been listed on my account as a negative account! I paid this account off in full and early, why is it showing up as a negative account! XXXX  XXXX account is not mine, the XXXX account is not mine either nor is the source receivables account either! Please remove it immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MO

Complaint narrative:
Requested information in writing on XX/XX/year> from Jefferson Capital Systems LLC. Asking to show ownership of debt in the amount of {$670.00}, {$1200.00}, and {$1100.00}. 

The company hasn't sent me anything to date as of XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: GA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am contesting multiple collection accounts listed on my credit report due to inaccuracies related to my personal information. Previously, my credit report included misspellings of my name, incorrect addresses, and other identifiers that do not belong to me. Accounts linked to these errors are unverifiable under the Fair Credit Reporting Act sections 602, 604, and 611. Such accounts can not be legally associated with my identity. Therefore, I am requesting a comprehensive reinvestigation and the removal of all collection accounts reported under incorrect personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: FL

Complaint narrative:
Date : XX/XX/XXXX To : Experian XXXX. XXXX XXXX XXXX, TX XXXX Subject : Identity Theft Request for Deletion of Fraudulent Account, Unauthorized Inquiry, and Inaccurate Personal Information Dear Experian Dispute Department, I am writing to formally dispute inaccurate and fraudulent information that appears on my credit report maintained by Experian. I am a victim of identity theft, and I request the immediate deletion and blocking of the fraudulent account listed below, the removal of an unauthorized credit inquiry, and the deletion of all outdated personal information. 

Fraudulent Account Details : - Creditor/Collection Agency : XXXX XXXX and XXXX - Original Creditor : XXXX XXXX  - Account Number : XXXX - Date Opened : XX/XX/XXXX - Reported Balance : {$4300.00} I did not open this account, authorize anyone to do so, or receive any related goods or services. This account and any associated information are the result of identity theft. Please remove this account from my credit file immediately and block it from future reporting pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2.

Additionally, I am disputing a recent unauthorized credit inquiry from XXXX XXXX XXXX  dated XX/XX/XXXX. I did not authorize or initiate this inquiry, and it appears to be connected to the same identity theft incident. Please remove this inquiry from my credit file immediately under the FCRA, as it was not initiated by me. 

Furthermore, I request that all previous addresses and phone numbers not associated with my current residence at XXXX XXXX XXXX, XXXX, FL XXXX and my current phone number XXXX be permanently deleted from my credit file, as they appear to have been added fraudulently and are not linked to my legitimate financial history. 

I have enclosed copies of my government-issued identification, proof of current address, and my credit report showing the disputed account and unauthorized inquiry. I have also filed an identity theft report with the Federal Trade Commission ( FTC ) and a local police report. 

Please provide written confirmation once the fraudulent account, unauthorized inquiry, and inaccurate personal information have been deleted from my credit file. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX : XX/XX/XXXX SSN ( last 4 ) : XXXX Address : XXXX XXXX XXXX, XXXX, FL XXXX Phone : XXXX Email : XXXX Enclosures : - Copy of government-issued photo ID - Proof of current address - Copy of credit report highlighting disputed account and inquiry - FTC Identity Theft Report - Police 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