vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 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: TX

Complaint narrative:
I am following up on my prior CFPB complaint, which remains under investigation, to address ongoing inaccuracies related to late payments on my TransUnion credit report. Specifically, I have identified incorrect late payment entries for DEPTEDXXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX ) with a balance and past due amount of {$0.00}. These entries are clearly inaccurate, as I have not missed any payments on these accounts, and the past due balances reported are completely false. Given the sensitive nature of my personal and financial information, it is highly likely that these errors are the result of a data breach, leading to the mishandling and misreporting of my credit data. 

Under the Fair Credit Billing Act ( 15 U.S.C. 1666 and 15 U.S.C. 1666 ( b ) ), TransUnion is legally obligated to accurately report my payment history and promptly correct any inaccuracies. The continued presence of these false late payment entries on my credit report is a clear violation of federal law, which mandates the removal of unverified, inaccurate, or incomplete information. Allowing these errors to persist without proper investigation undermines my financial credibility and disrupts my ability to obtain fair credit terms.

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX did not reach out to me for charges after the lease was terminated. This was for a lease on XX/XX/year>, and the vehicle was grounded in XXXX. We requested for all payments and debt to be paid during the grounding process, and we never received any information about the debt until it was reported on my credit report when leasing a new vehicle three years later. I did have the same phone number, and did not receive any calls. I believe that the lack of due diligence on XXXX 's part was due to the fact that they had misspelled my name on the lease, which I had informed them of before signing the lease, as well as other problems that XXXX had with consumer facing issues of credit reporting at the time.

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 2025-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Chainlink Services LLC
State: LA

Complaint narrative:
On XX/XX/year>, I received a voicemail from a caller identifying himself as XXXX XXXX from Chainlink Services LLC, calling from XXXX ext. XXXX. The voicemail asked me to give a statement about a file and said they would make a recommendation to their client if I didnt respond by Thursday. The message did not say it was from a debt collector, did not identify the creditor, did not name or describe the debt, and did not mention any rights I had under the law. 

I called them back the same day and told them I was recording the call, which is legal in Louisiana ( La. XXXX. XXXX, one-party consent ). As soon as I said this, the caller refused to talk to me and ended the call. I never got anything in writing about this debt, and I was never told I had the right to dispute it. 

This violates the Fair Debt Collection Practices Act ( FDCPA ), including : 15 U.S.C. 1692e ( 11 ) they failed to tell me the call was an attempt to collect a debt and that any info I gave could be used for that purpose ( mini-Miranda violation ).

15 U.S.C. 1692g ( a ) they never sent a written notice within five days of first contact.

15 U.S.C. 1692d refusing to speak after I invoked legal rights is abusive and evasive conduct.

15 U.S.C. 1692e misleading and deceptive communications.

The voicemail is saved and can be provided as evidence. I believe this was an illegal and deceptive attempt to collect a debt without following federal law, and I request a full investigation. Furthermore as of XXXX/XXXX/205 a full debt validation letter has been mailed certified mail to the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: AL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX - XXXX * * * * XXXX - XX/XX/XXXX - {$1600.00} XXXX - XXXX * * * * XXXX - XX/XX/XXXX - {$17000.00} XXXX XXXX XXXX - XXXX * * * * XXXX - XX/XX/XXXX - {$740.00} XXXX XXXX - XXXX * * * * XXXX - XX/XX/XXXX - {$1200.00} XXXX XXXX - XXXX * * * * XXXX - XX/XX/XXXX - {$870.00} XXXX XXXX - XXXX * * * * XXXX - XX/XX/XXXX - {$870.00} XXXX XXXX - XXXX * * * * XXXX - XX/XX/XXXX - {$1200.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. 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 explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: TX

Complaint narrative:
XXXX XXXX  XXXX  account # XXXX. I am unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'certified mail ' with receipt displaying my signature. If not, please delete account XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Marlette Funding, LLC
State: MI

Complaint narrative:
I have been a loyal customer for a lot of years. Ive never missed a payment. Ive never maxed out my card. Ive never had any issues but because the car has such a small credit line and such a high interest rate, you can see we just dont use the card on a regular basis. I mean we have other cards that have XXXX XXXX XXXX XXXX dollars worth of credit available to us and credit lines that are closer to XXXX XXXX and then theres XXXX XXXX which treats us like we are just terrible customers. I dont think its unreasonable for me to call and request a lower interest rate, but I was told that I had to receive a special letter in the mail otherwise I couldnt lower it. Oh, what do you have to do to receive that special letter in the mail because God knows Ive been a good customer and when I asked for a credit mine increase and we have a {$1200.00} credit line compared to like I said my other card that have {$30000.00} credit license this is nothing and its not worth trying to use the card but he said that it automatically reviews well again You couldnt ask for a better customer and pay my bills on time. I dont max out my credit card I make ample amount of money to pay anything that I borrow back, but Im treated like Im a terrible customer. You dont value me at all and this is why your competitors get my business and you dont seems very shortsighted

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: TX

Complaint narrative:
I am following up on my previous CFPB complaint, which remains under investigation, regarding an inaccurate charge-off entry on my TransUnion credit report for XXXX ( Account Number : XXXX * * ) * * with a reported balance of {$0.00}. This entry is false and likely the result of a data breach that compromised my personal and financial information, leading to unverified and inaccurate data being reported. Given the significant impact this can have on my credit score and financial standing, this error must be corrected immediately. 

Under XXXX U.S.C. XXXX ( c ) ( 2 ) and XXXX U.S.C. XXXXn, TransUnion is legally required to ensure that all information reported on consumer files is accurate, complete, and verifiable. This includes removing any charge-off entries that can not be substantiated or were added without proper investigation. The continued presence of this false charge-off on my credit report is a direct violation of these federal requirements, undermining my financial stability and unfairly damaging my credit profile.

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 2025-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Chase bank closed my account in XXXX. It says it mailed me a check for the balance in the account, {$980.00}. I did not receive check and Chase admits that the check was never cashed. Now it says it can't find where it put the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605XXXX ( XXXX U.S.C. XXXXc-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX INQUIRIES XXXX - XX/XX/XXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-05-13 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 following up on my previous CFPB complaint, which remains under investigation, regarding an inaccurate charge-off entry on my credit reports from all three bureaus for XXXX XXXXXXXX XXXX  ( Account Number : XXXX * * ) * * with a reported balance of {$11000.00}. This entry is clearly incorrect, as I have not defaulted on this account, and the reported balance is false. Given the sensitivity of my personal financial information, it is highly likely that this error is the result of a data breach, leading to the mishandling and misreporting of my credit data. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ( c ) ( 2 ) and 15 U.S.C. 1681n ), XXXXXXXX XXXX, and Equifax are legally obligated to ensure that all reported information is accurate, complete, and verifiable. This includes removing any charge-off entries that can not be substantiated or were added without proper investigation. The continued presence of this false charge-off on my credit reports is a clear violation of these federal requirements, damaging my financial stability and unfairly impacting my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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:
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 2025-05-13 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: CA

Complaint narrative:
" I have repeatedly informed Transunion of inaccuracies in my credit report, yet they continue to report incorrect information. Despite my efforts, they have not made the necessary corrections, which is both unfair and a violation of my rights under consumer protection laws. ''

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 2025-05-13 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: Columbia Collection Service, Inc.
State: CA

Complaint narrative:
Credit reporting Incorrect information on your report Who is the company youre complaining about? Select all three : XXXX XXXX XXXX And also : XXXX XXXX XXXX XXXX ( XXXX XXXX ) I am submitting this complaint due to repeated and unresolved violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) by XXXX XXXX XXXX and Columbia Debt Recovery LLC ( XXXX XXXX ). Since XX/XX/year>, I have formally disputed an alleged debt reported by XXXX XXXX XXXX I submitted four written validation requests under FDCPA XXXX U.S.C. XXXXg, asking for : Proof of the original debt and itemization, A signed agreement, Full account history and dates, Authorization to collect in California, And the validation notice as required by law. Columbia has failed to provide any of the above. In addition, I have sent five formal dispute letters to each of the XXXX credit bureaus, requesting a reinvestigation under FCRA XXXX U.S.C. XXXXi. XXXX XXXX bureaus responded with generic letters referencing third-party verification, offering no documents or disclosure of the method used. XXXX has now labeled my dispute frivolous and refuses to investigate further, which directly violates FCRA XXXXi ( a ) ( 3 ). I am requesting the CFPB to step in and enforce compliance by : 1. Requiring the credit bureaus to provide me with documentation showing how they verified the debt. 2. Requiring XXXX XXXX XXXX to fully validate the debt or cease all collection and credit reporting activity. 3. Removing the account from all credit reports if validation is not provided. Failure to resolve this issue will result in civil litigation against all parties involved for willful noncompliance, statutory damages, and harm caused to my credit.

Company response to consumer: Untimely response
Consumer complaint received 2025-05-13 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear Sir/Madam, I am writing to request the removal of closed accounts from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ).

As per the FCRA, closed accounts should be removed from my credit report after a certain period of time, typically seven years from the date of closure. It has come to my attention that closed accounts are still appearing on my credit report beyond this time frame, which is a violation of my rights under the FCRA.

Furthermore, the FACTA requires that accurate and up-to-date information is reported on credit reports. The presence of closed accounts that are no longer relevant or accurate is misleading and could negatively impact my credit score.

I kindly request that you investigate this matter and promptly remove any closed accounts that are in violation of the FCRA and FACTA from my credit report. Failure to do so may result in legal action being taken against your company for non-compliance with federal laws. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sincerely, 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 2025-05-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: KY

Complaint narrative:
I am writing to formally dispute an item on my credit report related to an alleged debt from XXXX XXXX XXXX. I have never received any medical treatment or services from XXXX XXXX XXXX. In fact, I have never had any interactionwritten, verbal, or in-personwith this provider. 

Despite this, XXXX XXXX XXXX has attempted to collect a debt and has, without my authorization, submitted a fraudulent claim of over {$500.00} to my medical insurance. This claim is completely false. No services were ever rendered, and I was never a patient of XXXX XXXX XXXX in any capacity. 

I am requesting an immediate investigation into this matter and that the disputed entry be removed from my credit report. Additionally, I request that XXXX XXXX XXXX cease all collection efforts related to this illegitimate debt. I have previously file d a complaint against XXXX XXXX XXXX for XXXX XXXX XXXX. A simple google search Of XXXX XXXX XXXX demonstrate this place is a scam and falsely billing people and insurances. 

I have never received treatment from XXXX. There was absolutely no communication ether through Text, email, Website, APP etc ... None. 
XXXX XXXX can not provide any documents or evidence showing treatment, consultations or any communication with me regarding 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 2025-05-13 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: TX

Complaint narrative:
This is a formal follow-up to my previous dispute regarding the continued reporting of inaccurate and unverified negative items on my credit report. I am requesting an immediate reinvestigation and deletion of the following accounts, as your failure to take action thus far constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). Despite prior communication, the disputed negative accounts remain on my report without proper validation or verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: TX

Complaint narrative:
This is a formal follow-up to my previous dispute regarding the continued reporting of inaccurate and unverified negative items on my credit report. I am requesting an immediate reinvestigation and deletion of the following accounts, as your failure to take action thus far constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). Despite prior communication, the disputed negative accounts remain on my report without proper validation or verification.

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 2025-05-13 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: GA

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 






XXXX Account Number : 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