vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 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: RI

Complaint narrative:
I am submitting this complaint to dispute and demand correction of inaccurate, misleading, and factually erroneous information being reported by XXXX XXXX XXXX regarding my former lease account ( Account # : XXXX ). 

This account was fully paid and the leased vehicle was returned to XXXX XXXX XXXX over XXXX months ago. However, as of the most recent credit bureau reporting cycle, the account is still being reported as " past due XXXX days '' and continues to show an open monthly payment obligation and outstanding balance, which is materially false. 

This constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting information to consumer reporting agencies that they know or have reasonable cause to believe is inaccurate. Once the account was settled and the vehicle returned, XXXX had an affirmative duty under 15 U.S.C. 1681s-2 ( a ) ( 2 ) to update or correct the reporting. It failed to do so. 

Moreover, this type of reporting is inherently misleading, triggering legal liability under the precedent established in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). That case held that even information that is technically accurate may be considered misleading if it creates a materially false impression to potential creditors. Reporting a paid-off lease account as past due XXXX months after it was closed and returned falls squarely into this category. 

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I have formally disputed this information and requested an investigation. XXXX XXXX XXXX, as a data furnisher, was required to conduct a reasonable reinvestigation and correct or delete inaccurate or unverifiable information within 30 days under 1681i ( a ) ( 5 ) ( A ). The continued misreporting violates these statutory obligations. 

The continued publication of this false tradeline is damaging my credit standing and misrepresenting my financial reputation. It also exposes XXXX XXXX XXXX to liability under FCRA 1681n for willful noncompliance, and 1681o for negligent failure to ensure accuracy.

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 2025-05-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
I am submitting this complaint to dispute and demand correction of inaccurate, misleading, and factually erroneous information being reported by XXXX XXXX XXXX regarding my former lease account XXXX XXXX XXXX XXXX XXXX XXXX 

This account was fully paid and the leased vehicle was returned to XXXX XXXX XXXX over six months ago. However, as of the most recent credit bureau reporting cycle, the account is still being reported as " past due 180+ days '' and continues to show an open monthly payment obligation and outstanding balance, which is materially false. 
This constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting information to consumer reporting agencies that they know or have reasonable cause to believe is inaccurate. Once the account was settled and the vehicle returned, XXXX had an affirmative duty under 15 U.S.C. 1681s-2 ( a ) ( 2 ) to update or correct the reporting. It failed to do so. 

Moreover, this type of reporting is inherently misleading, triggering legal liability under the precedent established in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  That case held that even information that is technically accurate may be considered misleading if it creates a materially false impression to potential creditors. Reporting a paid-off lease account as past due 180+ months after it was closed and returned falls squarely into this category.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I have formally disputed this information and requested an investigation. XXXX XXXX XXXX, as a data furnisher, was required to conduct a reasonable reinvestigation and correct or delete inaccurate or unverifiable information within 30 days under 1681i ( a ) ( 5 ) ( A ). The continued misreporting violates these statutory obligations. 

The continued publication of this false tradeline is damaging my credit standing and misrepresenting my financial reputation. It also exposes XXXX XXXX XXXX to liability under FCRA 1681n for willful noncompliance, and 1681o for negligent failure to ensure accuracy.

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 2025-05-06 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: RI

Complaint narrative:
I am submitting this complaint to dispute and demand correction of inaccurate, misleading, and factually erroneous information being reported by XXXX XXXX XXXX regarding my former lease account ( Account XXXX XXXX XXXX XXXX 

This account was fully paid and the leased vehicle was returned to XXXX XXXX XXXX over six months ago. However, as of the most recent credit bureau reporting cycle, the account is still being reported as " past due 180+ days '' and continues to show an open monthly payment obligation and outstanding balance, which is materially false.

This constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting information to consumer reporting agencies that they know or have reasonable cause to believe is inaccurate. Once the account was settled and the vehicle returned, XXXX had an affirmative duty under 15 U.S.C. 1681s-2 ( a ) ( 2 ) to update or correct the reporting. It failed to do so. 

Moreover, this type of reporting is inherently misleading, triggering legal liability under the precedent established in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  That case held that even information that is technically accurate may be considered misleading if it creates a materially false impression to potential creditors. Reporting a paid-off lease account as past due 180+ months after it was closed and returned falls squarely into this category.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I have formally disputed this information and requested an investigation. XXXX XXXX XXXX, as a data furnisher, was required to conduct a reasonable reinvestigation and correct or delete inaccurate or unverifiable information within 30 days under 1681i ( a ) ( 5 ) ( A ). The continued misreporting violates these statutory obligations. 

The continued publication of this false tradeline is damaging my credit standing and misrepresenting my financial reputation. It also exposes XXXX XXXX XXXX to liability under FCRA 1681n for willful noncompliance, and 1681o for negligent failure to ensure accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: AL

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

"

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 2025-05-06 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: WI

Complaint narrative:
I recently reviewed a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, theyare hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am formally submitting a complaint requesting an audit of my Citibank account ending in XXXX due to multiple discrepancies identified in my account activity, believed to be the result of bank errors. A Citibank customer service representative has acknowledged this issue during a recent call, confirming existing errors and discrepancies in my account balance for XX/XX/year>. 

Details of Missing Funds : Upon thorough review of my transactions, including XXXX transfers up to XX/XX/year>, I have identified a total of {$40000.00} missing from my account, excluding XXXX transfers. XXXX XXXX transfers, the total missing amount is {$39000.00}. Attached to this complaint are my Citibank bank statements for XX/XX/year>, providing proof of the missing funds. 

I encourage a manual review of deposits and transactions, which should corroborate the missing amounts I have calculated. 

Additional Context : - Until XX/XX/year>, all transfers were directed to my Citi savings account ending in XXXX. 
- On XX/XX/XXXX, I deposited {$24000.00} in-branch following an ATM malfunction that resulted in the loss of my initial deposit of {$8000.00} on XX/XX/year>. 
- On XX/XX/year>, I transferred {$21000.00} to a new account ending in XXXX. 
- My claim regarding the ATM issue was denied, and the same amount was deducted twicefrom account ending in XXXX on XX/XX/year>, and again from account ending in XXXX on XX/XX/year>. 

* * Request for Resolution : * * I believe there has been a misunderstanding based on previous correspondence with Citibank. I kindly request the CFPB 's assistance in resolving this matter. Additionally, I ask that Citibank representatives contact me via email or phone to discuss this issue comprehensively.

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 2025-05-06 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: DE

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and request an immediate investigation regarding inaccurate and potentially outdated information on my credit report. Upon reviewing my recent credit file, I have identified several entries that are incomplete, unverifiable, or incorrectly reported. 

Specifically, I am disputing the following items : 1. Validate Account XXXX Account XXXX : XXXX Please ensure that all information is accurate 2. Validate Account XXXX Account XXXX : XXXX Please ensure that all information is accurate 3. Validate Account XXXX Account XXXX : XXXX Please ensure that all information is accurate 4. Under penalty of perjury I swear this account is false and misleading XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. The status is incorrect for the following account Bankruptcy : XXXX XXXX XXXX XXXX : XXXX Please remove it from my credit report. 

6. Under penalty of perjury I swear this account is false and misleading XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 8. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX 9. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX  XXXX I contacted the court directly and confirmed that they do not report bankruptcy filings to the credit bureaus. Please provide documentation on how this bankruptcy was verified, including the party who reported it. If verification can not be provided, I request the immediate deletion of this entry from my credit file. 

The following accounts were included in my XXXX  XXXX bankruptcy and should not be listed with derogatory marks such as Charge-Off or Late Payments after the bankruptcy filing date. They should instead be updated to reflect. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies must ensure all information reported is accurate and verifiable. Please investigate these accounts and either correct or remove them accordingly. 

I have attached a copy of my identification and a copy of the bankruptcy discharge paperwork for your reference.

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 2025-05-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am writing to formally request the removal ( blocking ) of fraudulent information from my credit report under Section XXXX of the Fair Credit Reporting Act ( FCRA ). I have been a victim of identity theft, and the following accounts or information on my credit report are not mine and were opened or reported fraudulently : SXXXX XXXX XXXX XXXX XXXX : [ fraudulent amount {$49000.00} ) ] Date of Activity : [ XXXX ] As required under Section 605B of the FCRA, you are obligated to block this fraudulent information from my credit report within XXXX business days of receiving this request and supporting documentation. Please also notify the furnishers of the fraudulent information so they can take appropriate action. 

I further request that you send me written confirmation once the information has been blocked from my credit report. If you require additional information, please contact me at XXXX XXXX XXXX XXXX XXXX 

Thank you for your prompt attention to this matter. 

Sincerely, Enclosures : Identity Theft Report Copy of Government-Issued ID Proof of Address

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 2025-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Absolute Resolutions Corp.
State: NV

Complaint narrative:
This complaint is being submitted to report Absolute Resolutions Corporation for violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). A collection account was reported to the credit bureaus without proper notice, consent, or prior communicationresulting in significant and unjustified damage to my credit profile and denying the legally required opportunity to dispute or validate the alleged debt. 

Details : The presence of a collection account from Absolute Resolutions Corporation was discovered on XX/XX/2025. Prior to this date, I had not received any communication from the company via mail or electronic means. Upon contacting Absolute Resolutions directly, their representatives confirmed the following : Mailed notices were never sent to any current physical address. 
Email notifications were sent to an email address but was never received on my end. 
I had not provided consent for electronic communication and had no prior knowledge of this company or the alleged debt before XX/XX/2025. 

Absolute Resolutions ' own Electronic Communication Policy states that electronic notices are only valid when a consumer opts in and provides contact information. As no such consent was given, and no communications were received, the companys reporting of the debt violates standard procedural requirements. 
Additionally, under 15 U.S. Code 1692g ( a ), a debt collector is required to send a written notice within five days of the initial communication. In this case, no valid written notice was ever received, either by mail or email, in violation of both FDCPA and FCRA standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-06 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: TX

Complaint narrative:
On XX/XX/year>, TransUnion received my certified dispute regarding the XXXX XXXX XXXX XXXX  tradeline ( account XXXXXXXX XXXX XXXX XXXX XXXX ). In that dispute, I formally and explicitly requested that, if the account was verified, TransUnion must provide the mode and method of communication and the identity of the verifying party, as required by FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). 

On XX/XX/year>, I received a mailed response from TransUnion that failed to provide any of this information. Instead, it contained only a generic statement that the creditor was contacted, and an offer to send procedural information if requested again despite the fact that I had already requested it clearly and formally in my dispute letter. This is a direct violation of the FCRAs reinvestigation requirements and represents a failure to comply in good faith. 

TransUnions refusal to follow the law has created real obstacles for me. As someone working to secure funding to start a small business, this unresolved tradeline is causing me to seek out non-traditional, high-cost, or less favorable funding options, further compounding my financial risk. TransUnions unwillingness to provide basic documentation of how this tradeline was verified has left me with no recourse other than to escalate. 

I am requesting immediate deletion of the XXXX tradeline from my TransUnion credit report due to TransUnions failure to provide legally required verification information and its violation of the FCRAs reinvestigation procedures.

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 2025-05-06 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: MS

Complaint narrative:
XXXX XXXX and Dept of ED does not belong on my credit report. My information was compromised in the Equifax Data Breach. This information needs to be removed from my credit report. Equifax has not provided any documentation that these accounts belong to me. Under the Fair Credit Reporting Act, I want these items removed immediately. Also I sent some dispute letters to Equifax on XX/XX/year>. They have yet to find my documents and upload them to my file. I am 100 % sure that my documents were delivered to the correct address but every time I call Equifax to get a update, they say the documents have not been received. So my personal information is compromised again thanks to Equifax.

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 2025-05-06 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: MS

Complaint narrative:
XXXX XXXX and Dept of ED does not belong on my credit report. My information was compromised in the Equifax Data Breach. This information needs to be removed from my credit report. Equifax has not provided any documentation that these accounts belong to me. Under the Fair Credit Reporting Act, I want these items removed immediately. Also I sent some dispute letters to Equifax on XX/XX/year>. They have yet to find my documents and upload them to my file. I am 100 % sure that my documents were delivered to the correct address but every time I call Equifax to get a update, they say the documents have not been received. So my personal information is compromised again thanks to Equifax.

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 2025-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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