vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Zip Co US Inc.
State: IL

Complaint narrative:
I was the victim of fraud on my Zip account around XXXX 2024, and I reported it immediately. Zip investigated the charge and later refunded the unauthorized transaction. 
After no further communication, I filed a BBB complaint around late XX/XX/year>2024 to get clarity on the status of my account. Zip responded through the XXXX saying they had reviewed my account, found no fraud internally, and confirmed that my account was unblocked. 
However, despite that claim, the app has remained unusable ever since. Ive been locked out with a screen saying : We cant verify your account. That screen has been active since the day Zip restricted me, and it has never been lifted even after the fraud was resolved. I havent been able to make a single new purchase through Zip since the original incident in XX/XX/year>2024. 
I reached out directly to Zip, asking : Is my account permanently banned? 
If its security-related, why havent I been allowed to reverify? 
What policy justifies a permanent block after a customer reports fraud in good faith? 
I received no answers to any of those questions. Instead, Zip left my account frozen with vague language and no explanation or appeal process. Their XXXX response was misleading they said the block was lifted, but the app still shows that Im restricted and cant use the service. 
I have no outstanding balance, no late payments, and no misuse on record. I complied with their entire fraud process. I was simply a customer who got scammed and now Im  being punished indefinitely. 
Im requesting the CFPB step in and require Zip to : Either restore full access to my account, Or issue a formal written explanation of the block, with the policy its based on, and explain why re-verification was never offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 
1681c-2 ) that you, the TransUnion credit reporting agency XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX TX XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$18000.00} XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$360.00}

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 2025-06-26 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: GA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least XXXX days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-06-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint because there are negative accounts appearing on my credit report that are tied to an address which is not listed anywhere on my credit file. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain maximum possible accuracy of the information they report. Associating my credit accounts with an address that is not verified, not reported, and not associated with me on the file violates this obligation. 

Furthermore, this unverified address may be the result of identity theft, file merging, or a data entry error all of which compromise the accuracy of my report. 

I am requesting a full investigation and deletion of any and all accounts tied to this unknown or unlisted address, as they are not verifiably linked to me. I also request that the bureau ( s ) provide a written explanation and documentation of how the address and the associated accounts were verified. 

Please hold the credit reporting agency and the furnishers accountable for failing to ensure accurate reporting and for any harm caused to my credit profile due to this negligence.

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 2025-06-26 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: EQUIFAX, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also 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 XXXX 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
sent credit dispute letter to verify accounts with no response

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 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I sent letters regarding my concern with creditors reporting charges off each month instead of reporting one charge off. These accounts were charged off only once. In my letter I requested that creditors send a copy of 1099. I have not received any 1099s and these request was almost XXXX months ago.

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 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I sent letters regarding my concern with creditors reporting charges off each month instead of reporting one charge off. These accounts were charged off only once. In my letter I requested that creditors send a copy of 1099. I have not received any 1099s and these request was almost XXXX months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Experian data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in XXXX business days.

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 2025-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX continues to report a disputed debt on my credit report, despite my repeated attempts to resolve and validate the issue. I have requested written verification of the debt under the Fair Debt Collection Practices Act ( FDCPA ), but they have failed to provide adequate proof. Instead, they continue to contact me in a manner that feels aggressive, persistent, and harassing. 

Their communications have included threatening language that has caused emotional distress, and I believe their actions violate my rights under federal law. I have also noticed inconsistencies in the way the account has been reported across different credit bureaus. I am requesting that the CFPB investigate this matter and assist in having XXXX remove this account from my credit report due to lack of proper debt validation, harassment, and continued reporting without resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: FL

Complaint narrative:
Im writing personally to dispute several closed accounts on my credit report that contain errors or can not be verified. 

Under the Fair Credit Reporting Act ( 1681i and 1681e ( b ) ), if these accounts can not be verified with original documents, they must be deleted not just marked disputed. If theres no permissible purpose for reporting them, that also violates 1681b. 

Please conduct a proper reinvestigation and delete any unverifiable items. I request an updated report once the review is complete.

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 2025-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase bank gave me a bonus if I opened business checking account and keep XXXX for XXXX months and I called them and said the person that opened the account did not enter the offer code so they can give me the offer. I keep this amount for XXXX months. They said if the account is open between XXXX > And the account was open on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: CA

Complaint narrative:
I am formally disputing the continued reporting of multiple accounts and collections on my credit report that are either inaccurate, unverifiable, or reinserted without proper notification. Your failure to meet the legal standards set by the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance guidelines is a direct violation of my rights as a consumer. 

As per 15 U.S. Code 1681i, you are legally obligated to conduct a thorough and individualized reinvestigation of each disputed item. Using generic or automated dispute rejections, especially when my correspondence has been reviewed and personally approved, constitutes willful noncompliance. Furthermore, the use of standardized response letters without reviewing the content and merit of my disputes is a violation of the law. 

I demand physical verification of the existence, accuracy, and legal reporting authority of the accounts and collections listed below. If you can not provide clear documentation confirming their validity and compliance with Metro 2 formatting, 15 U.S. Code 1681e ( b ), and permissible purpose under 1681b, then they must be permanently deleted. Additionally, any account previously deleted and reinserted into my report without providing me written notice within five business days is in direct violation of 15 U.S. Code 1681i ( a ) ( 5 ) ( B ). 

Accounts in dispute : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX Collections in dispute : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Your continued reporting of unverifiable, inaccurate, or outdated data directly harms my creditworthiness and constitutes negligent or willful noncompliance under 15 U.S. Code 1681n and 1681o. I demand that you cease unlawful reporting practices and provide an updated credit report reflecting the permanent deletion of all disputed accounts listed above. 

If you are unable or unwilling to comply, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and explore legal remedies.

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 2025-06-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TekCollect Inc.
State: MI

Complaint narrative:
Signed a contract with XXXX made it part of the way through the XXXX, which actually made my teeth worse, and they promised to fix never made it through my correction or anywhere close to getting retainers, was working with XXXX XXXX when they completely shut down and I could contact no one yet Still was harassed by XXXX XXXX XXXX about making payments and threatening action if I did not, I then received an email from them, saying that I was eligible for a refund. I filled out what was sent to me to fill out more than once, never received the refund and now XXXX XXXX XXXX has transferred me to the debt collector Tek collect, this is absolutely absurd when I started receiving treatment, and even in the beginning of XXXX XXXX XXXX  scare tactics when XXXX XXXX  went bankrupt. I always made my payments, but they did not fulfill my treatment or my lifelong contract as promised my teeth are just as bad as they were prior. I have paid more than enough for the little treatment I did receive there is no reason that I should have to pay and finish my agreement when they did not finish their agreement. This is robbery, false advertisement, fraud, and I cant even believe that this is allowed. I received emails saying that eventually the refund would hit my account and now it has gone to a debt collector. They are claiming I still owe {$800.00}, have paid over {$1500.00} of the intial agreement {$2300.00} I have paid well over the amount that I should have owed for the few XXXX  recieved. I have paid overly for what was agreed/guaranteed by them, even though I should not have even done that and feel like I have been scammed. I have never seen anything like this before I have called and explained to multiple agents and people that this is not right I need this account closed and satisfied. I do not owe this money for something I did not receive. The Tek Collect account number I just recieved is # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I am a Chase XXXX XXXX XXXX credit card holder. On XX/XX/year>, Chase issued two XXXX XXXX XXXX to my XXXX account as part of the annual benefit. My XXXX account activity confirms that the awards were received. However, they are missing from my available rewards. 

On XX/XX/XXXX, I contacted XXXX by phone. The representative said there were no such rewards in my account and directed me to contact Chase. I then called Chase at around XXXX XXXX. The agent confirmed that the XXXX XXXX XXXX were issued and had not been revoked. However, the issue remained unresolved, so I continued to follow up. 

I chatted with a XXXX agent online, who gave conflicting explanationsfirst saying the nights had expired, then claiming I had used them. When I asked for clarification or documentation, she told me to wait and abruptly ended the chat. 

I contacted Chase a second time. That agent confirmed again that the XXXX XXXX XXXX  do not expire within a year, and offered to connect me directly with XXXX. However, the Chase agent disconnected the call after the transfer and did not stay on to support the conversation. 

Once connected, the XXXX representative I spoke with could not understand basic English, repeatedly asked me to repeat myself, and eventually ended the conversation when I asked for further details. 

I called Chase a third time. This time, the representative completely reversed their position, denying that any XXXXXXXX XXXX were ever issued, and stated that this was entirely XXXX  responsibility. This is in direct contradiction to previous confirmations. 

I have contacted XXXX three times ( phone and chat ) and Chase three times. I can not believe that after paying an annual fee for a premium credit card, I have received no consistent support from Chase when this benefit is missing. Both companies are pushing responsibility back and forth, and I am left with no resolution. 

I am requesting CFPB to investigate this issue and ask Chase to : 1 ) Provide a consistent written statement confirming whether the XXXX XXXX XXXX were issued ; 2 ) Supply documentation of the XXXX transaction ; 3 ) Ensure this matter is resolved properly, including support when transferring to partner companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
UPON ME REVIEWING MY CREDIT REPORTS I NOTICED FRADULENT ACCOUNTS OPENED IN MY NAME

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 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I sent letters regarding my concern with creditors reporting charges off each month instead of reporting one charge off. These accounts were charged off only once. In my letter I requested that creditors send a copy of 1099. I have not received any 1099s and these request was almost 5 months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: PA

Complaint narrative:
When I reviewed my credit report today like I normally do, I was surprised to see unexpected discrepancies. I even refreshed the browser thinking it might just be a technical issue, but the inaccurate accounts were still there. Due to this problem, I kindly request that the documents Ive submitted be carefully reviewed to prevent this from happening again and give me peace of mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: AZ

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