vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX also known as XXXX XXXX XXXX XXXX ) is inaccurately reporting XXXX accounts on my credit reports with late payments, even though these were credit-builder accounts that were closed and paid in full over a year ago. 

XXXX XXXX continues to furnish data indicating recent delinquencies on accounts that no longer exist, which is factually false. This violates the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), which prohibit furnishers from reporting or failing to correct information they knowor should knowis inaccurate. 

I have attached my credit report showing the XXXX accounts still reporting late. These accounts were part of a closed credit repair program, not revolving credit lines, and should not reflect ongoing activity or missed payments. 

This inaccurate reporting has caused measurable damage to my creditworthiness and ability to obtain housing. I am requesting that the CFPB require XXXX XXXX to : XXXX. Immediately delete or correct all three tradelines from Experian, Equifax, and TransUnion ; XXXX. Report the accounts as closed, paid in full, with XXXX balance and no late payments ; XXXX. Provide written confirmation of compliance within 15 days. 

If this issue is not resolved promptly, I will escalate it to the XXXX XXXX XXXX XXXX XXXX XXXX and the California Department XXXX XXXX XXXX and XXXX ( XXXX ) for further review under FCRA and California Civil Code 1785.25 ( a ).

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 2025-11-11 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: CA

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX also known as XXXX XXXX XXXX XXXX ) is inaccurately reporting XXXX accounts on my credit reports with late payments, even though these were credit-builder accounts that were closed and paid in full over a year ago. 

XXXX XXXX continues to furnish data indicating recent delinquencies on accounts that no longer exist, which is factually false. This violates the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), which prohibit furnishers from reporting or failing to correct information they knowor should knowis inaccurate. 

I have attached my credit report showing the XXXX accounts still reporting late. These accounts were part of a closed credit repair program, not revolving credit lines, and should not reflect ongoing activity or missed payments. 

This inaccurate reporting has caused measurable damage to my creditworthiness and ability to obtain housing. I am requesting that the CFPB require XXXX XXXX to : XXXX. Immediately delete or correct all three tradelines from Experian, Equifax, and TransUnion ; XXXX. Report the accounts as closed, paid in full, with XXXX balance and no late payments ; XXXX. Provide written confirmation of compliance within 15 days. 

If this issue is not resolved promptly, I will escalate it to the XXXX XXXX XXXX XXXX XXXX XXXX and the California Department XXXX XXXX XXXX and XXXX ( XXXX ) for further review under FCRA and California Civil Code 1785.25 ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TD BANK US HOLDING COMPANY
State: TN

Complaint narrative:
On XX/XX/XXXX, 2025, I purchased a XXXX XXXX XXXX from XXXX XXXX, financed through TD Auto Finance. I was pre-approved for XX/XX/XXXXXXXX, XX/XX/XXXX, XX/XX/XXXX APR, with {$0.00} down. Which turned into XX/XX/XXXXXXXX, XXXX down payment and I was also coerced into over 3k in forced warranties and add-ons as a condition to complete the sale. XXXX engaged in a bait-and-switch scheme : its website advertised XX/XX/XXXXAppearance Protection as conveniently included with your purchase, implying no added cost. After I declined it, staff refused to proceed, stating, Unfortunately, its something we are unable to remove. I understand we may not be able to move on with the deal. 

XXXX later justified the charge by claiming the product was pre-installed and could not be removed.XX/XX/XXXX has since admitted that XXXX consists of XXXX related elements ( XXXX ) a pre-applied coating and ( XXXX ) an optional warrantysold together. However, none of this was disclosed at the time of sale. The retail installment contract itself lists the Appearance Protection as optional, directly contradicting the dealerships refusal to remove it. Staff used the pre-installation excuse to coerce payment, concealing that any paid component was discretionary. XXXX has since confirmed that customers may decline the warranty even if the product has been applied, proving XXXX representation was false and coercive. 

The {$890.00} add-on was later discounted to {$100.00} after I objected, showing it was discretionary, yet TD Auto Finance funded the contract without verifying consent for the add-on or the altered financing term ( Final Acceptance showsXX/XX/XXXX ; TD records list XXXX ). This inflated my interest by approximately {$410.00} and materially changed my approved terms. 

XXXX XXXX later submitted a fabricatedXX/XX/XXXXAPR to the Tennessee Division of Consumer Affairs ( File XX/XX/XXXX. XXXX ) to justify these actions, violating XXXX. XXXX ( b ) ( XXXX ) and Tennessee XXXX XXXX XXXX ( a ) ( XXXX ). TD Auto Finance continued servicing this loan despite clear evidence of deceptive and unauthorized charges.

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

Complaint narrative:
I am filing a formal complaint against Equifax for violating the Fair Credit Reporting Act ( FCRA ) by continuing to report a bankruptcy that has already been deleted by XXXX and XXXX  after they were unable to verify the information with the original source. 
Equifax is refusing to remove this bankruptcy solely because they obtain the information from XXXX, even though XXXX is currently under a dispute for failing to properly verify this information with the court, as required by the FCRA. 
This is unacceptable and illegal. 
1. Bankruptcy already deleted by XXXX and XXXX Both XXXXXXXX and XXXX have removed this bankruptcy from my credit report after concluding they could not verify it directly with the court. 
This demonstrates that the information can not be verified and should not be reported by any credit bureau. 
2. Equifax refuses to delete it because they rely on XXXX Equifax continues to report this bankruptcy based entirely on data supplied by XXXX. 
However : XXXX does NOT verify bankruptcy information with the original court. 
They rely on PACER, which is NOT sufficient under the FCRA. 
I currently have an active dispute against XXXX because they refuse to perform a proper verification. 
Therefore, Equifax is relying on unverified and unreliable information, which violates FCRA 1681e ( b ) ( requirement for maximum possible accuracy ). 
XXXX. XXXX can not legally verify this information XXXX has repeatedly admitted that they verified the bankruptcy through PACER, but PACER is merely a public database and does not replace verification directly with the original court, as required under FCRA 1681i ( a ). 
Because XXXX can not legally verify the information, Equifax can not legally report it. 
4. Equifax is required to delete unverifiable information Under the FCRA : FCRA 1681i ( a ) : If information can not be verified, it must be deleted.

FCRA 1681e ( b ) : CRAs must ensure maximum possible accuracy. 
Reporting information supplied by a source currently under dispute ( XXXX ) fails this standard. 
FCRA 607 ( b ) : Data must be accurate and complete Equifax has not met this requirement. 
Equifax is knowingly reporting information that is : Unverified, Inaccurate, Already removed by the other major bureaus. 
This is a clear violation of federal law.

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

Complaint narrative:
I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. XXXXXXXX XXXX Acct # XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Please provide the names and business addresses of each individual with whom you verified with above so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation

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 2025-11-11 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: NC

Complaint narrative:
I am submitting this formal complaint regarding inaccurate and unauthorized information being reported under my consumer profile. The information being furnished and maintained on my credit report is incomplete, unverifiable, and in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I am requesting that the CFPB conduct a thorough investigation into the following items and hold the responsible furnishers and credit reporting agencies accountable for their negligence and willful violations of federal law. These inaccuracies have caused me financial hardship, emotional distress, and denial of credit opportunities, and I seek immediate correction, deletion, and enforcement action. 

ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX  XXXX These addresses are inaccurate or not associated with me. Reporting multiple conflicting addresses violates FCRA Section 607 ( b ), which requires maximum possible accuracy. I request immediate deletion of all unverifiable addresses under FCRA Section 611. 

XXXX XXXX  Account # XXXXXXXX XXXX XXXX Late Payment * * Date Opened : XXXX Owed : {$0.00} This account shows false late payments. No proof or billing record supports these entries, violating FCRA Sections 623 ( a ) ( 1 ) ( A ) and 623 ( b ) ( 1 ) ( A ). Reporting unverifiable data misrepresents my payment history. I demand deletion or correction with full documentation. 

XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment * * Date Opened : XXXX Owed : {$0.00} This account also reflects false late payments. No lawful validation or supporting documents have been provided. This violates FCRA Section 611 ( a ) and FDCPA Section 807 ( 8 ). Please remove this inaccuracy unless verified with evidence. 

INQUIRIES XXXX XX/XX/XXXX XXXX XX/XX/XXXX These inquiries were done without my consent or permissible purpose, violating FCRA Section 604 ( a ). Such unauthorized inquiries harm my credit and must be deleted immediately. 

I request that the CFPB investigate these violations under the Fair Credit Reporting Act ( 15 U.S.C. 16811681x ) and Fair Debt Collection Practices Act ( 15 U.S.C. 16921692p ), compel the credit reporting agencies and furnishers to provide verified documentation or delete the inaccurate data, and ensure full compliance with consumer protection laws. The recurring reporting of unverifiable, false, and unauthorized information demonstrates negligence and willful noncompliance, warranting corrective and enforcement action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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:
I am filing this complaint regarding several inaccuracies on my credit report that have caused significant harm to my credit reputation and financial stability. After reviewing my most recent report, I found entries that do not align with my verified financial history. Specifically, a charge-off account from XXXX ( account ending in XXXX ) is listed with a {$6700.00} balance, a date of last activity of XX/XX/XXXX, and reported on XX/XX/XXXX with multiple delinquencies ( 30, 60, 90, and 120 days ). Based on my records, I made payments and maintained communication with the creditor, and there were no extended delinquencies during this period. The continued reporting of this charge-off has created a false negative on my credit score. In addition, a collection account for XXXX XXXX shows a balance of {$5300.00} and a reported date of XX/XX/XXXX, despite the fact that I was actively working with the institution to resolve the matter directly. It appears the account was prematurely and inaccurately reported to collections. Both accounts are inaccurate and unverifiable as reported. Under the Fair Credit Reporting Act ( FCRA 607 ( b ) & 611 ( a ) ), Fair and Accurate Credit Transactions Act ( FACTA 312 ), Fair Debt Collection Practices Act ( FDCPA 807 ( 8 ) ), Equal Credit Opportunity Act ( ECOA 701 ( a ) ), and Consumer Financial Protection Act ( CFPA 5531 ), I am requesting a thorough reinvestigation and the permanent deletion of any record that can not be verified with full documentation from the original furnisher.

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

Complaint narrative:
I am filing this complaint regarding several inaccuracies on my credit report that have caused significant harm to my credit reputation and financial stability. After reviewing my most recent report, I found entries that do not align with my verified financial history. Specifically, a charge-off account from XXXX ( account ending in XXXX ) is listed with a {$6700.00} balance, a date of last activity of XX/XX/XXXX, and reported on XX/XX/XXXX with multiple delinquencies ( 30, 60, 90, and 120 days ). Based on my records, I made payments and maintained communication with the creditor, and there were no extended delinquencies during this period. The continued reporting of this charge-off has created a false negative on my credit score. In addition, a collection account for XXXX XXXX shows a balance of {$5300.00} and a reported date of XX/XX/XXXX, despite the fact that I was actively working with the institution to resolve the matter directly. It appears the account was prematurely and inaccurately reported to collections. Both accounts are inaccurate and unverifiable as reported. Under the Fair Credit Reporting Act ( FCRA 607 ( b ) & 611 ( a ) ), Fair and Accurate Credit Transactions Act ( FACTA 312 ), Fair Debt Collection Practices Act ( FDCPA 807 ( 8 ) ), Equal Credit Opportunity Act ( ECOA 701 ( a ) ), and Consumer Financial Protection Act ( CFPA 5531 ), I am requesting a thorough reinvestigation and the permanent deletion of any record that can not be verified with full documentation from the original furnisher.

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 2025-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Continental Finance Company, LLC
State: SC

Complaint narrative:
I called XX/XX/XXXX to payoff and close my account. The Account Balance was XXXX. I was told there was a {$5.00} fee I agreed and asked for confirmation after payment of account closure. I paid and they REFUSED to honor my request to CLOSE my account. I asked very nicely of two different people with each of them talking in another language to me ( in broken English ). The young lady would not stop talking and the man got mad at my for saying " I'm sorry I just want to close my account. '' I have had continued issues with the XXXX XXXX XXXX and all the companies and card profiles associated with ( many ). XXXX is issued by the XXXX and serviced by the well documented criminals of Continental Finance. The Governor if Missouri should call for an inquest into the financial dealing of their financial institutions and know predatory lenders are corrupting our already " taxed '' systems. These people are not qualified on any level according to Delaware. 

This company already lied to this body in an earlier complaint and failed to resolve fully said complaint. Then these people sent a letter today after payment for ACCOUNT closure without CLOSING the account and disconnecting me when asking why they will not close my account. It is my Account, I requested Account to be closed today XX/XX/year>. 

What are Consumers supposed to do about Predatory Lenders who refuse to honor a simple request to CLOSE a paid in full account? 

PLEASE CLOSE REVEL ACCOUNT & INVESTIGATE THESE CRIMINALS. I also submitted an inquiry request with the Department of Government Efficiency and The States of Missouri and Delaware. XXXX XXXX should be CLOSED.

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 2025-11-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
I have a mortgage with BECU with escrow set up to pay property tax. The company has been continuously paying the property tax to the wrong tax ID. I have contacted the company first time to fix the wrong tax id, where they claimed it was fixed on their side. But the second half of property tax payment still went to the wrong place. Now the city is asking me to pay penalty.

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

Complaint narrative:
Equifax failed to conduct a reasonable reinvestigation under FCRA 611 ( a ). Several disputed accounts were marked verified without Equifax providing any evidence of what records were used, what documentation the furnishers provided, or how accuracy was determined.

Equifax did not provide : Signed applications or contracts Proof of chain of custody for collections Itemized bills for medical accounts HIPAA authorization showing medical PHI transfer Method of Verification as required under 611 ( a ) ( 6 ) ( 7 ) The identity of the furnisher representative who verified the data Any documentation supporting verification Equifax relied on automated e-OSCAR responses from furnishers, which is not a legally sufficient reinvestigation under FCRA 611 ( a ).

These actions violate : FCRA 611 ( a ) ( 1 ) unreasonable reinvestigation FCRA 611 ( a ) ( 6 ) ( 7 ) failure to provide Method of Verification FCRA 623 ( a ) ( 3 ) verifying disputed info without documentation FCRA 607 ( b ) failure to ensure maximum possible accuracy FCRA 611 ( a ) ( 5 ) continuing to report unverifiable info Medical collections may also involve improper disclosure of PHI in violation of HIPAA 45 CFR 164.502 ( a ).

Equifax did not evaluate documents I provided, did not supply any validation, and did not explain how disputed information was verified. Items must be deleted if Equifax can not produce real supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: CL Holdings LLC
State: SC

Complaint narrative:
I am writing to dispute inaccurate information appearing on my credit report. The account listed below contains errors and needs to be removed in accordance with the Fair Credit Reporting Act ( FCRA ). 

Account Information : Creditor Name : Jefferson Capital LLC Account Number : XXXX This account does not belong to me. Reason for Dispute : I never opened this account. Please investigate this matter and provide me with written confirmation of your findings. If the information can not be verified, I request that it be deleted from my credit report. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation