vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
EVICTION DISPUTE IMMEDIATE DELETION DEMAND Consumer : XXXX XXXX XXXX XXXX XXXX : [ XX/XX/year> ] Address : [ XXXXXXXX XXXX XXXX XXXX GA XXXX ] SSN ( Last XXXX ) : [ XXXX ] RE : DISPUTE + DEMAND FOR DELETION / BLOCK CASE NO. : XXXX Court : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Florida To Whom It May Concern : I, XXXX XXXX, am disputing the reporting of rental/eviction information connected to CASE NO. XXXX ( XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Florida ) appearing in my TransUnion file and/or tenant screening/rental report. This entry is causing active housing denials and is being reported in a manner that is inaccurate, incomplete, and/or unverifiable. 
XXXX. FCRA 611 DISPUTE FAILURE TO REASONABLY INVESTIGATE / VERIFY Under 15 U.S.C. 1681i ( a ), TransUnion must conduct a reasonable reinvestigation. If TransUnion can not verify the accuracy and legal reportability of this public-record/rental entry with competent evidence, it must be deleted. See 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). 
I dispute that TransUnion has ( or can ) verify, using certified court-source documentation, all of the following required elements for CASE NO. XXXX : correct consumer identification linking the record to me correct status and disposition ( filed vs. judgment ; dismissal/withdrawal/vacate/settlement if applicable ) correct dates ( filing/disposition ) accurate and non-misleading characterization as eviction if no final judgment exists lawful reportability consistent with FCRA requirements If any portion of this record is incomplete, mismatched, outdated, lacks a final disposition, or can not be validated from the originating court, then TransUnion is not meeting its duty of maximum possible accuracy under 15 U.S.C. 1681e ( b ) and must delete the entry.

2. METHOD OF VERIFICATION DEMAND ( MUST BE SPECIFIC ) If TransUnion states this item is verified, I demand the required disclosure of the Method of Verification under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), including : the exact source used ( the specific court access method/record pull ) the exact documents relied on ( not summaries ) the name/title or identifying information of the party that performed the verification proof the process was not automated, batch-verified, or database-only

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 2025-12-26 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: AZ

Complaint narrative:
I am filing this CFPB complaint because the credit reporting agencies continue to report late payment remarks on open active credit card accounts that are inaccurate unverifiable and legally unsupported despite prior disputes. I am an impacted consumer of both the Equifax data breach and the XXXX XXXX XXXX breach which requires heightened verification standards. Instead of applying those standards the bureaus relied on automated responses and continued to publish negative data that can not be substantiated with lawful evidence. 

The open accounts involved in this complaint are XXXX XXXX and XXXX XXXX. 

XXXX XXXX is an open secured credit card account that is currently active and paid. Despite this you continue to report a 30 day late payment that has never been supported with any original cardholder agreement billing statement showing a missed due date or timestamped payment record proving a delinquency occurred. Reporting a late payment while the account is open current and otherwise positive is internally inconsistent and misleading. 

XXXX XXXX is an open revolving credit card account that remains active yet is reported with a 30 day late payment that you have never lawfully verified. You have failed to provide the original agreement billing statements or timestamped records establishing how the alleged delinquency was calculated. Continuing to report a late payment without proof on an open account demonstrates failure to conduct a reasonable reinvestigation. 

In both cases I requested lawful verification and received none. Continuing to report these late payments after notice of dispute exposes me to financial harm and increased risk of data contamination especially given my breach impacted status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: AZ

Complaint narrative:
I am filing this CFPB complaint because the credit reporting agencies continue to report late payment remarks on open active credit card accounts that are inaccurate unverifiable and legally unsupported despite prior disputes. I am an impacted consumer of both the Equifax data breach and the XXXX XXXX XXXX breach which requires heightened verification standards. Instead of applying those standards the bureaus relied on automated responses and continued to publish negative data that can not be substantiated with lawful evidence. 

The open accounts involved in this complaint are XXXX XXXX and XXXX XXXX. 

XXXX XXXX is an open secured credit card account that is currently active and paid. Despite this you continue to report a 30 day late payment that has never been supported with any original cardholder agreement billing statement showing a missed due date or timestamped payment record proving a delinquency occurred. Reporting a late payment while the account is open current and otherwise positive is internally inconsistent and misleading. 

XXXX XXXX is an open revolving credit card account that remains active yet is reported with a 30 day late payment that you have never lawfully verified. You have failed to provide the original agreement billing statements or timestamped records establishing how the alleged delinquency was calculated. Continuing to report a late payment without proof on an open account demonstrates failure to conduct a reasonable reinvestigation. 

In both cases I requested lawful verification and received none. Continuing to report these late payments after notice of dispute exposes me to financial harm and increased risk of data contamination especially given my breach impacted status.

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 2025-12-26 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:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

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 2025-12-26 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: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-12-26 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:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-12-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
I am disputing the medical collection for {$2200.00} collection charge off for Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  & Account # XXXX for {$1600.00} on my credit report as fraudulent, inaccurate, and unauthorized. I did not authorize this account or the release of my medical information. This violates the Fair Credit Reporting Act, including 15 U.S.C. 1681c-2 ( fraudulent information must be blocked ) and 15 U.S.C. 1681s-2 ( duty to report accurate information ). The furnisher has not provided valid proof, verification, or legal authorization to report this debt. Since this account can not be verified as accurate, lawful, or legitimate, I am requesting immediate deletion of this medical collection and written confirmation once it has been removed.

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 2025-12-26 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: SD

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 2025-12-26 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: Experian Information Solutions 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 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 2025-12-26 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:
I disclaim any relationship with these accounts ; removal within 15 days is mandated by USC 1681g.

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 2025-12-26 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: WI

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 2025-12-26 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: AZ

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 explanation
Consumer complaint received 2025-12-26 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: NY

Complaint narrative:
Several weeks ago, I personally submitted dispute letters to all three credit reporting agencies regarding inaccurate information on my credit report. These matters fall under the investigation and correction requirements of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I have since received responses suggesting the involvement of a third-party service. This is incorrect. All disputes were authored and submitted by me, without the assistance of any credit repair company or outside party.

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 2025-12-26 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: FL

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-12-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Meridian Financial Services, Inc.
State: NY

Complaint narrative:
AFFIDAVIT OF FACT Regarding Violations of the Fair Credit Reporting Act ( FCRA ) Experian Report Including Masked Account Numbers I, XXXX XXXX XXXX, residing at XXXX XXXX XXXX, XXXX, NY XXXX, being duly sworn, state : 1. I obtained a copy of my XXXX  credit report dated XX/XX/XXXX. XXXX. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I dispute the accuracy, completeness, and verifiability of the following negative items appearing on said report. DISPUTED ACCOUNTS MASKED ACCOUNT NUMBERS Collections : Meridian Financial Services Account : XXXX Balance : {$1500.00} XXXX XXXX XXXX Account : XXXX Balance : {$3600.00} XXXX XXXX XXXX Account : XXXX Balance : {$3600.00} XXXX XXXX XXXX Account : XXXX Balance : {$66.00} XXXX XXXX XXXX ( Viking ) Account : XXXX Paid Collection If documentation such as original signed contracts, full payment histories, chain of assignment, and DOFD can not be produced, these accounts must be deleted under 15 U.S.C. 1681i ( a ) ( 5 ) and Cushman v. XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am submitting this complaint regarding Citibank , N.A . and the continued reporting of inaccurate information on my credit reports despite multiple good-faith attempts to resolve the issue directly with the company and through the credit bureaus.

I initially contacted Citibank directly to dispute the accuracy of the account information being reported regarding my account ending in XXXX, as it stated late payments for XXXX, XXXX, and XX/XX/year>. Citibank responded by letter stating that they did not find sufficient evidence to support my claim. I then submitted formal disputes with XXXX, XXXX, and XXXX, providing supporting documentation to prove that this reporting on behalf of Citibank is false and inaccurate. XXXX  has responded that Citibank verified the information as accurate, while XXXX  and XXXX have either upheld the reporting or failed to provide a substantive resolution.

At this point, despite my reasonable efforts and documented disputes, the information continues to be reported without Citibank providing clear validation or evidence to confirm its accuracy. I believe this may constitute a failure to reasonably investigate the dispute and a violation of the Fair Credit Reporting Act ( FCRA ).

I am requesting that Citibank conduct a thorough reinvestigation of the disputed account, provide proper validation of the information being reported and proof, or correct the inaccurate information from my credit reports as required by law.

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 2025-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Absolute Resolutions Corp.
State: IL

Complaint narrative:
ABSOLUTE RESOLUTIONS I is falsely reporting on my credit. I have never had any accounts with them. Per my research ABSOLUTE RESOLUTIONS I is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation