vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I am filing this complaint because I was the victim of a bank-impersonation and caller-ID spoofing scam, and State Employees Credit Union ( SECU ) has refused to honor my rights under Regulation E. 

On XX/XX/year>, I received a call that appeared on my caller ID as SECU. The caller claimed that someone was attempting a {$3900.00} withdrawal from my account and said they needed to verify my identity to stop the fraud. Believing I was speaking to my credit union, I answered the security questions.

The caller was a scammer impersonating SECU. They used the information I provided to access my account and initiate a {$3900.00} XXXX XXXX transfer on XX/XX/year>. I did not authorize any transfer to the scammer or any XXXX XXXX recipient. My consent was obtained through deception, impersonation, and caller ID spoofing. 

I reported the fraud to SECU, but they denied my dispute and told me that because the transaction appeared authorized, they would not return my funds. This is incorrect under Regulation E, which states that a transfer is unauthorized if consent is obtained by misrepresenting the identity of the recipient. I never knowingly authorized a transfer to the scammer.

I still have : Call log showing the spoofed SECU number Documentation of the scam Evidence that the caller falsely represented themselves as SECU I am requesting that SECU be required to : 1.Reopen my fraud claim ; 2.Treat this as an unauthorized electronic funds transfer under Regulation E ; 3.Refund the {$3900.00} that was taken due to bank-impersonation fraud. 

SECUs refusal to investigate and their incorrect classification of this as an authorized transaction violated my rights under federal law. I am requesting CFPB assistance in restoring my funds and ensuring SECU follows Regulation E requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: TX

Complaint narrative:
Dear TransUnion, I am writing to dispute the following accounts listed on my credit report. Please review the details below : Charged Off Accounts : XXXX, XXXX Account Opened : XX/XX/XXXX Balance : {$2100.00} Dispute Reason : This account is inaccurately reported as charged off. Please investigate and update the status accordingly. 

XXXX XXXX, XXXX Account Opened : XX/XX/XXXX Balance : {$0.00} Dispute Reason : The account is incorrectly listed as charged off. Please verify and correct the account status. 

Inquiries : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Dispute Reason : This inquiry was unauthorized. Please remove it from my credit report. 

XXXX XXXX Date of Inquiry : XX/XX/XXXX Dispute Reason : This inquiry was unauthorized. I request that it be removed from my report. 

Late Payments : XXXX XXXX XXXX, XXXX Dispute Reason : This late payment is reported incorrectly. I request a thorough investigation and correction if necessary.

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 2025-11-21 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: NJ

Complaint narrative:
PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX XXXXXXXX - Charged off account - Balance {$720.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX - Charged off account XXXX XXXX - Charged off account - Balance {$6900.00} XXXX  XXXX XXXX  XXXX XXXX XXXX off account - Balance {$2500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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 am submitting this filing to the Consumer Financial Protection Bureau ( CFPB ) regarding several discrepancies I have identified in my credit report with the XXXX major credit bureaus : XXXX  ( XXXX ), XXXX  ( XXXX ), and TransUnion ( TU ). Below is a summary of the disputed accounts, inquiries, positive accounts, and late payments. 
Charged Off Accounts : XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$3900.00} XXXX  XXXX XXXX XXXX  Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries : 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 non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want the CFPB to compel the bureau to delete unverifiable accounts, inquiries and personal information and provide documentation proving their investigation method.

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 2025-11-21 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Inaccurate and Unverified Late Payment Reporting by TD Auto Finance I am submitting this complaint regarding my auto finance account with TD Auto Finance ( Account Number : [ insert number ] ). This account has been paid in full and satisfied, yet TD Auto Finance continues to report late payments on my credit report. These reported late payments are incorrect, unverified, and inaccurate. 
I have not received any formal verification or documentation from TD Auto Finance substantiating these alleged late payments, despite my prior disputes. This failure to verify violates my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which requires furnishers and credit reporting agencies to ensure the accuracy of information and to delete unverifiable data.

Legal Basis : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : A furnisher shall not provide information that it knows or has reasonable cause to believe is inaccurate.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : When a consumer disputes the accuracy of information, the credit reporting agency must conduct a reasonable reinvestigation and delete the item if it can not be verified. 
CFPB guidance confirms that companies must remove disputed information that can not be verified from consumer reports. [ consumerfinance.gov ] Account is paid and closed, yet TD Auto Finance reports late payments. 
No verification provided despite dispute requests. 
This inaccurate reporting harms my creditworthiness and violates federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
This complaint is against Chase Bank, not the merchant. 

Chase is refusing to apply Regulation E protection for unauthorized recurring electronic fund transfers that continued after the merchant ( XXXX XXXX ) received written cancellation and revocation of authorization. 

XXXX admitted in writing to duplicate billing and continued to charge my account for services that were canceled and not accessible. They also billed a terminated employees account without authorization. 

Chase repeatedly denied or closed my disputes by incorrectly applying the XXXX billing error rule. However, this is not a late dispute. These are unauthorized recurring debits after authorization was revoked. Under Regulation E and EFTA 1005.11, the bank must treat these as unauthorized transfers and conduct a fraud/loss investigation, not a billing dispute review. 

I requested that Chase escalate my case to Loss Prevention for unauthorized recurring XXXX, but the disputes department refused and also refused to document their denial of Regulation E protections in writing, which violates EFTA 909 ( c ). Chase denied the claims based solely on an internal policy timeline instead of federal law. 

I am asking CFPB to require Chase to : Reopen and reclassify previously closed disputes as unauthorized recurring EFTs, including : Claim # XXXX ( XXXX ) Claim # XXXX ( XXXX ) Conduct a proper Reg E unauthorized XXXX investigation. 

Refund all charges posted after written cancellation, including any fees. 

Proof attached includes : Merchant received written cancellation as early as XXXX Services were inaccessible ( insufficient balance ) XXXX  admitted duplicate account billing Billing continued for years after authorization was revoked Chases refusal to apply Regulation E protections and refusal to document that refusal in writing constitutes a violation of federal law and a breach of their obligations to protect consumers and small businesses from unauthorized recurring transfers. 

I am requesting immediate review and relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is my final follow-up dispute regarding the inaccurate accounts you continue to report : For Transunion : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX - XXXX * * * * XXXX XXXX - XXXX XXXX * * * XXXX - XXXX * XXXX * * XXXX ( Original Creditor : XXXX BXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For Experian : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX  - XXXXXXXX XXXX XXXX XXXX - XXXX * XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX For Equifax : XXXX - XXXX XXXX XXXX * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXXX XXXX XXXX XXXX XXXX XXXX - XXXX * * * * XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX Despite multiple disputes, you have failed to act in accordance with the law and continue to report this false and damaging information. It is important to highlight the inaccuracies, proving that your reporting is not only incompetent but also unfair, inconsistent, and harmful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: FL

Complaint narrative:
This is my final follow-up dispute regarding the inaccurate accounts you continue to report : For Transunion : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX - XXXX * * * * XXXX XXXX - XXXX XXXX * * * XXXX - XXXX * XXXX * * XXXX ( Original Creditor : XXXX BXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For Experian : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX  - XXXXXXXX XXXX XXXX XXXX - XXXX * XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX For Equifax : XXXX - XXXX XXXX XXXX * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXXX XXXX XXXX XXXX XXXX XXXX - XXXX * * * * XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX Despite multiple disputes, you have failed to act in accordance with the law and continue to report this false and damaging information. It is important to highlight the inaccuracies, proving that your reporting is not only incompetent but also unfair, inconsistent, and harmful.

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 2025-11-21 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: NY

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-11-21 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am submitting this statement to request a thorough reinvestigation of the following accounts and inquiries on my Experian credit report. I believe these entries may contain errors or inaccuracies, and I request that Experian review and correct or remove any unverifiable information. 

CHARGED-OFF ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXXXXXX, {$510.00} INQUIRIES 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-11-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I received a collection letter for this alleged debt with Midland Credit Management and mailed a written request for validation on XX/XX/year>. XXXX tracking confirms the company received my validation request on XX/XX/year>. Under the FDCPA ( 15 U.S.C. 1692g ( b ) ), the collector must stop collection and provide validation before continuing. They did not provide any validation or required information and continued collection activity. I did not receive itemized details, proof of ownership of the debt, or verification that I am the correct consumer. I am requesting the CFPB to require the company to provide full validation or cease collection and remove any related reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: Possible Financial Inc
State: TX

Complaint narrative:
I am submitting this complaint because the account reported as POSSIBLEFINA XXXXXXXX XXXX XXXX XXXX XXXX opened on XX/XX/year> with a listed balance of {$260.00} and marked as a charge-off, is completely inaccurate and does not belong to me. I have no knowledge of this account, I never applied for it, never signed for it, and I never authorized any credit relationship with Possible Finance. They have failed to provide any documentation proving that I opened or used this account. Reporting an account that I have no connection to violates the Fair Credit Reporting Act, which requires all information furnished to be accurate, verified, and properly matched to the correct consumer. This unverified account is harming my credit and misrepresenting my identity. I am requesting CFPBs intervention to require Possible Finance to produce original signed agreements, application records, and identity verificationor to remove the account immediately for being unverifiable and unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Movement Mortgage LLC
State: FL

Complaint narrative:
Subject : Mortgage Servicer Refusing Goodwill Adjustment for Single Late Payment During XXXX Emergency I am filing a complaint regarding Movement Mortgages refusal to consider a goodwill adjustment for a single XXXX late mortgage payment that occurred during a documented medical emergency. 
Details of the Issue : * I have never been late on a mortgage payment before this incident. 
* In XXXX, I gave birth to XXXX XXXX who were hospitalized in the XXXX, and I spent extensive time in the hospital caring for them for over a month. 
* Because of this crisis, my payment for XXXX was submitted late. 
* I immediately reached out to Movement Mortgage, explained the circumstances, and requested a one-time courtesy/goodwill adjustment given my otherwise perfect payment history. 
Movement Mortgage has repeatedly denied my request, citing the FCRA and investor guidelines.However : * The FCRA does not prohibit a servicer from making a goodwill adjustment. It only requires that information furnished is not misleading. 
* The servicer has refused to provide the specific investor guidelines they claim prohibit goodwill adjustments. 
I have offered to provide all supporting documentation, including proof of the XXXX hospitalization. My request has been reviewed by their Executive Complaints Team, yet they still will not reconsider or provide substantiation for their claims. 
What I Am Requesting : I am asking the CFPB to review Movement Mortgages refusal and require them to : 1. Provide the specific investor guideline that prohibits a goodwill adjustment, or 2. Reconsider the goodwill adjustment, given my perfect payment history and documented medical emergency. 
Thank you for your assistance.

Company response to consumer: Closed with explanation