vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-10 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: SC

Complaint narrative:
Transunion took XXXX points away for no reason. This system is out of control, trying to control people livelihood it's XXXX, sad and I hope someone destroys it. It is point blank XXXX and evil to try to control people this day and time. No one is doing anything about it, And it's illegal.

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 2025-08-10 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:
I have looked over my Transunion credit report and notice 4 fraud accounts XXXX account ending in XXXX and 18 hard inquires, XXXX XXXX XXXX ending in XXXX and XXXX XXXX XXXX ending in XXXX. I have no knowledge of opening and applying for credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
MY LAST PAYMENT ON CHASE BANK CREDIT CARD ENDING IN XXXX WAS XXXX. 

CALIFORNIA STATUTE OF LIMITATIONS FOR CREDIT CARD DEBT IS 4 YEARS. 

HOWEVER, CHASE STILL HAS BEEN SENDING ME EMAILS 2 TIMES PER MONTH EVERY MONTH TO COLLECT THIS OLD DEBT, WHEN THE STATUTE OF LIMITATIONS HAS PASSED.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: IL

Complaint narrative:
Since the charge-off, XXXX has been furnishing monthly Derogatory marks to the credit reporting agencies for every month following the charge-off date. This is reflected in the attached screenshot from my credit report. 
XXXX. Once an account is charged off, a creditor may update the status and balance but must not treat each subsequent month as a separate new delinquency. 
XXXX. Discovers practice artificially lowers my payment history percentage and creates a false impression that I incurred dozens of separate late payments post-charge-off. 
XXXX. This violates FCRA 623 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting information they know or should know is inaccurate, and is inconsistent with industry-standard reporting practices for post-charge-off accounts.

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 2025-08-10 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: IL

Complaint narrative:
Since the charge-off, XXXX has been furnishing monthly Derogatory marks to the credit reporting agencies for every month following the charge-off date. This is reflected in the attached screenshot from my credit report. 
XXXX. Once an account is charged off, a creditor may update the status and balance but must not treat each subsequent month as a separate new delinquency. 
XXXX. Discovers practice artificially lowers my payment history percentage and creates a false impression that I incurred dozens of separate late payments post-charge-off. 
XXXX. This violates FCRA 623 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting information they know or should know is inaccurate, and is inconsistent with industry-standard reporting practices for post-charge-off accounts.

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 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, I discovered fraudulent accounts and inquiries appearing on my credit reports from all three credit bureaus as a result of identity theft. The fraudulent accounts include : a credit card with XXXX XXXX XXXX XXXX  XXXX opened on XX/XX/XXXX, with fraudulent charges totaling {$4800.00} ( discovered XX/XX/XXXX, fraud began XX/XX/XXXX ) ; a credit card with XXXX XXXX opened on XX/XX/XXXX, with fraudulent charges totaling {$1500.00} ( discovered XX/XX/XXXX, fraud began XX/XX/XXXX ) ; a credit card with Capital XXXX opened on XX/XX/XXXX, with fraudulent charges totaling {$7800.00} ( discovered XX/XX/XXXX, fraud began XX/XX/XXXX ) ; and a personal loan with XXXX XXXX opened on XX/XX/XXXX, with fraudulent charges totaling {$14000.00} ( discovered XX/XX/XXXX, fraud began XX/XX/XXXX ). These accounts were opened without my knowledge or consent using stolen personal information, likely online via misuse of my Social Security number. 
Additionally, unauthorized hard inquiries appeared from entities including XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX contributing to fraudulent collections and negative reporting. 
On XX/XX/XXXX, I filed an FTC Identity Theft Report ( Report Number XXXX ) detailing the fraud. The same day, I reported the identity theft to local police ( XXXX XXXX Police Department, Tracking Number XXXX ), classifying it as misdemeanor theft involving credit/debit cards and loans. 
No actions have been taken by the credit bureaus or companies yet, as this is my initial dispute. These inaccuracies have resulted in fraudulent collections, which I demand cease under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ). Pursuant to the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681c-2 ), I request that all three credit bureaus immediately block the fraudulent information from my credit reports, investigate the disputes within 30 days ( FCRA 1681i ), notify the furnishers, and provide me with updated reports confirming removal of the accounts, inquiries, and any related derogatory marks. Failure to comply may violate FCRA requirements for accuracy and dispute resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I discovered fraudulent accounts and inquiries appearing on my credit reports from all three credit bureaus as a result of identity theft. The fraudulent accounts include : a credit card with XXXX XXXX XXXX XXXX  XXXX opened on XX/XX/XXXX, with fraudulent charges totaling {$4800.00} ( discovered XX/XX/XXXX, fraud began XX/XX/XXXX ) ; a credit card with XXXX XXXX opened on XX/XX/XXXX, with fraudulent charges totaling {$1500.00} ( discovered XX/XX/XXXX, fraud began XX/XX/XXXX ) ; a credit card with Capital XXXX opened on XX/XX/XXXX, with fraudulent charges totaling {$7800.00} ( discovered XX/XX/XXXX, fraud began XX/XX/XXXX ) ; and a personal loan with XXXX XXXX opened on XX/XX/XXXX, with fraudulent charges totaling {$14000.00} ( discovered XX/XX/XXXX, fraud began XX/XX/XXXX ). These accounts were opened without my knowledge or consent using stolen personal information, likely online via misuse of my Social Security number. 
Additionally, unauthorized hard inquiries appeared from entities including XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX contributing to fraudulent collections and negative reporting. 
On XX/XX/XXXX, I filed an FTC Identity Theft Report ( Report Number XXXX ) detailing the fraud. The same day, I reported the identity theft to local police ( XXXX XXXX Police Department, Tracking Number XXXX ), classifying it as misdemeanor theft involving credit/debit cards and loans. 
No actions have been taken by the credit bureaus or companies yet, as this is my initial dispute. These inaccuracies have resulted in fraudulent collections, which I demand cease under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ). Pursuant to the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681c-2 ), I request that all three credit bureaus immediately block the fraudulent information from my credit reports, investigate the disputes within 30 days ( FCRA 1681i ), notify the furnishers, and provide me with updated reports confirming removal of the accounts, inquiries, and any related derogatory marks. Failure to comply may violate FCRA requirements for accuracy and dispute resolution.

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 2025-08-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Possible Financial Inc
State: FL

Complaint narrative:
I have provided this company with information stating that a transaction they have logged on to my account is an non-authorized transaction and instead of providing assistance to further investigate they have stonewalled and reported my account 30-90 days late for purchases not made by me. In direct violation of my FCBA rights to dispute a transaction in written form they require me to call in to speak with their card hotline even though they were alerted via multiple emails and a letter about the transaction in question. Instead of addressing the issue and providing the forms for them to begin their investigation and credit my account back the money that was taken out. An individual keeps emailing me asking me to call in while having well established documents that I can not call in and I work in a job where I do not have access to a cellular telephone for 10hr periods of the day. I find it highly unprofessional and dishonest this company can't even provide required forms. Their response is only to allege instead of provide proof. They choose to stonewall instead of act and they fraudulently report an account late even though the client brought it to their attention well ahead of time that things on their account do not match. Point of first contact was in XXXX and we are in XXXX just absolute disgust.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP
State: TX

Complaint narrative:
I received a USBank Reliacard debit card for my unemployment benefits. On XX/XX/year>, I noticed unauthorized transactions totaling {$580.00}. I did not authorize these transactions and do not know the parties involved. I reported the issue to the bank on the same date and followed all required steps, including providing documentation. I acknowledge that I did not return the banks dispute forms by their initial stated deadline. This was due to misplacing the documents and taking too long to find them. Despite this, I promptly reported the fraudulent transaction, provided all requested details, and am continuing to cooperate with law enforcement. I believe the bank acted unfairly by denying my claim without fully reviewing the circumstances. 

Due to my report being denied over this small technicality, I have been going through financial hardship, as the benefits are my only source of income. I am requesting the CFPB to investigate and require the bank to return my funds under Regulation E protections for unauthorized electronic fund transfers.

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 2025-08-10 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: MD

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

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 2025-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I, XXXX XXXX XXXX XXXX, am formally disputing inaccurate, unverifiable, and outdated information found in my Experian credit file. Under federal law, including the Fair Credit Reporting Act ( FCRA ), Uniform Commercial Code ( UCC ), and Fair Debt Collection Practices Act ( FDCPA ), you are required to investigate and delete unverified or obsolete data. The following entries violate my rights under these statutes. 
XXXX. XXXX XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX ( Closed ) This account contains a reported 30-day late payment with no supporting contract or validation. Violations include 15 U.S.C. 1681e ( b ), 1681i ( a ) ( 1 ) ( A ), 1681b ( 2 ), 6802 ( b ), and UCC 3-501 ( b ) ( 2 ). I demand deletion of this unverifiable information. Cease further reporting under 15 U.S.C. 1692c ( c ). 
XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX ( Charge-off ) No chain of title or original contract provided. Reporting violates 15 U.S.C. 1681g ( a ) ( 2 ), 1681s-2 ( a ), 6802 ( b ), and UCC 9-210 . Delete this unverifiable and disputed item. Cease all communication under 15 U.S.C. 1692c ( c ). 
XXXX. XXXX XXXX ( XXXX ) Account XXXX XXXX XXXX Collection ) No original itemized billing or signed contract has been provided. Violations include 15 U.S.C. 1681e ( b ), 1681b ( 2 ), 6802, and UCC 3-501 ( b ). Cease and desist further reporting or collection attempts under 15 U.S.C. 1692c ( c ). 
XXXX. Personal Information Names and Addresses I request deletion of all previous names and addresses. Only the following are correct : - Legal Name : XXXX XXXX XXXX XXXX - Address : XXXX XXXX XXXXXXXX XXXX XXXX NC XXXX - Phone : XXXX Continued reporting of outdated or unverified information violates 15 U.S.C. 1681e ( b ), 1681i ( a ), 6802 ( b ), and UCC 3-118.

Please reinvestigate and delete all inaccurate, unverifiable, and obsolete entries in compliance with 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). If you can not validate these accounts with original signed contracts, chain of custody, and permissible purpose, they must be permanently deleted. Noncompliance will be reported to the CFPB, FTC, and appropriate legal channels under 1681n and 1692k. 
Sincerely, 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 2025-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: AppFolio, Inc.
State: TX

Complaint narrative:
For XXXX XXXX payment ( XXXX ) Product : Money transfer, virtual currency, or money service Issue : Problem with a payment or transfer Company : XXXX XXXX XXXX XXXX ( payment processor for JoGip ) Short complaint text ( paste ) : On XX/XX/year> I paid my rent through XXXX XXXX XXXX, Conf. # XXXX, {$2500.00}. The transaction later showed rejected/insufficient, but I was not given a clear reason code, cure steps, or a written path to complete ACH/e-check tender without extra fees. On XX/XX/year> I delivered supporting documents to XXXX ; they refused to acknowledge receipt or provide processing guidance. I am not refusing paymentI want the payment accepted and any related fees reversed. Please require XXXX to provide the precise reject code, a written remedy path to complete ACH, fee reversal where appropriate, and a ledger confirming my balance after acceptance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: TN

Complaint narrative:
I am writing to formally notify you that I am a victim of identity theft and to request that you block and delete from my credit report all information related to any accounts fraudulently opened or used in my name as a result of the data breach that occurred at Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 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: OH

Complaint narrative:
This report all my credit report wrong. The late payments on the XXXX XXXX are incorrect. Also, I would like for you to look at some of the close accounts and a contract collection because as of important role and I do not have a contract with the agencies that's on my credit report can you please review

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 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Please remove unauthorized inquiries from my credit report. Transunion unauthorized fraudulent inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. My first name is : XXXX, middle name is : XXXX, My last name is : XXXX. Every other name ( s ) is not my name. Please remove it all from my report. My address is : XXXX XXXX XXXX. XXXX, IL XXXX. All other address ( es ), is not my address. Please remove it all from my report.

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 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Please remove unauthorized inquiries from my credit report. Transunion unauthorized fraudulent inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. My first name is : XXXX, middle name is : XXXX, My last name is : XXXX. Every other name ( s ) is not my name. Please remove it all from my report. My address is : XXXX XXXX XXXX. XXXX, IL XXXX. All other address ( es ), is not my address. Please remove it all from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: CO

Complaint narrative:
I have multiple recorded calls with LexisNexis agents and a manager confirming my file contains two Social Security Numbers : mine ( starting with XXXX ) and another individuals ( starting with XXXX, both ending in XXXX ). The XXXX SSN belongs to a XXXX male with a bankruptcy. LexisNexis admitted the bankruptcy is not mine but management instructed them to keep it because it was verified. 

On XX/XX/XXXX, LexisNexis claimed the Colorado Bankruptcy Court reported the bankruptcy. I provided official court proof this was false. They then claimed PACER was the source ; PACER also confirmed this was false. Despite proof from both sources, LexisNexis has never identified the furnisher, violating FCRA 611.

My file also contains merged data from unrelated individuals, including a licensed doctor, a man named XXXX XXXX ( whose CLUE insurance data is in my file ), false voter registration, and licensing records. 

Experian has refused to release my own credit report due to this corrupted LexisNexis data. I have suffered over 2 years of employment denials, housing denials, financial exclusion, reputational damage, and emotional distress. A hiring manager told me no one will hire me while my LexisNexis record remains this corrupted.

Attached is my ChexSystems Consumer Score Disclosure Report showing inaccurate XXXX  codes and false data resulting from LexisNexiss reporting. 

Certified Letters Sent : XX/XX/XXXX To LexisNexis, XXXX XXXX XXXX  XX/XX/XXXX To LexisNexis XX/XX/XXXX To LexisNexis XXXX XXXX, XXXX To LexisNexis XX/XX/XXXX To LexisNexis XX/XX/XXXX To XXXX XXXX XX/XX/XXXX To XXXX XXXX

Company response to consumer: Closed with explanation