vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Zip Co US Inc.
State: NY

Complaint narrative:
I had ordered XXXX item from XXXX which cost XXXX $ XXXX put a discount code and it went down to XXXX $ at checkout so zip paid XXXX I paid using zip payment plan which I was accepted for and they made me a payment plan for XXXX $ for XXXX months. To processed with the plan I had to pay XXXX $ that day to order my order. Once I received my XXXX order my 1 item was missing so immediately called XXXX and they said it was a warehouse error on there and that they processed a FULL REFUND to zip which was XXXX $ I contacted zip and told them what happen to the first agent he told me because it was that day XXXX refunded XXXX i had to wait 3-5 business days for XXXX refund to show in the zip system. So I waited 3 days on my zip app the payments say XXXX $ they paid but at check out on the XXXX website the order came out to XXXX from the discount code, zip only paid XXXX not XXXX $ so that was the first red flag seeing that payment on the app now that I talked to the second agent he only adjusted my payment plans he didnt cancel my payments I dont owe zip anything especially when XXXX REFUNDED them the full amount and I dont even have my 1 item and so the agent refunded me {$40.00} not even my XXXX $ that I paid for my first payment plan i should be getting XXXX $ back not XXXX $ XXXX shouldnt have to pay anything

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-24 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: OH

Complaint narrative:
My Chime account was closed and Chime mailed a refund check for the remaining balance. That check was later canceled and needs to be reissued. I contacted Chime multiple times to have the refund reissued, but I no longer have access to the phone number or email associated with the closed account, which prevents standard support from helping me. 
Chime told me I would receive follow-up communication, but I never did. I requested manual identity verification so the refund could be reissued, but Chime did not contact me or take any action. 
I filed a XXXX  complaint to escalate the issue, but Chime responded only with automated messages and never attempted to verify my identity or reissue the refund. Chime has not denied that the funds are owed and has provided no explanation for withholding my refund. 
I am simply requesting that Chime verify my identity and reissue my canceled refund check.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC
State: CA

Complaint narrative:
I have had my auto loan with American Credit Acceptance for approximately 25 months and have never missed a payment. 

On XX/XX/year>, I contacted American Credit Acceptance to request a payment deferment due to temporary hardship. I was told by a representative to wait until the payment was past due in order for the deferment to be processed. 

I followed their instructions. On XX/XX/year> once the payment became past due, I contacted them again and was then told the deferment could not be done, resulting in my account becoming late and exposing me to late fees and potential credit damage. 

During my most recent call, a representative stated an extension might be possible with approval, but when I requested call recordings to document the prior instructions I was given, the representative said recordings could not be provided, placed me on hold to transfer to a supervisor, and then disconnected the call.

I believe I was misled, and that American Credit Acceptance engaged in unfair and deceptive servicing practices by instructing me to wait until past due and then denying assistance, refusing access to call recordings, and disconnecting the call after escalation was requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: TX

Complaint narrative:
I have discovered that my personal information was used without my authorization to open accounts and conduct transactions that I did not initiate. I strongly assert that these accounts and transactions are fraudulent, resulting from identity theft or fraud. Despite promptly reporting this issue to the appropriate authorities and the involved companies, the matter remains unresolved, and the fraudulent accounts and charges persist on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 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: CA

Complaint narrative:
I am formally requesting the prompt removal of the unauthorized accounts listed on my credit report, as I neither authorized nor was aware of their existence. In compliance with 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Enclosed are supporting documents for your 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 2025-12-24 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 am formally requesting the prompt removal of the unauthorized accounts listed on my credit report, as I neither authorized nor was aware of their existence. In compliance with 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Enclosed are supporting documents for your 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 non-monetary relief
Consumer complaint received 2025-12-24 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: DC

Complaint narrative:
I just want to Follow up this complaint because several accounts on my credit reports are being reported inaccurately and inconsistently across the major credit bureaus, creating a misleading and conflicting credit profile despite my efforts to ensure all information is correct and updated. The account XXXX XXXX shows different balances, activity dates, and late-payment reporting between Equifax and TransUnion, with Equifax listing a {$200000.00} balance and a XX/XX/XXXX activity date while TransUnion lists a {$200000.00} balance with a XX/XX/XXXX activity date, resulting in contradictory reporting for the same account. My XXXX XXXX student loan is reported by TransUnion with a XX/XX/XXXX activity and reporting date that does not align with my actual loan servicing records, raising concerns over accurate data furnishing. The XXXX XXXX account shows a XXXX balance but completely different dates between Equifax and TransUnion Equifax XXXX XXXX XXXX activity date but updated it in XXXX, while TransUnion maintains XXXX XXXX activity and reporting date which creates an artificial discrepancy in long-closed records. XXXX XXXXXXXX XXXX account also contains conflicting reporting between bureaus, where Equifax updated the account on XX/XX/XXXX while TransUnion lists a XX/XX/XXXX update for an account that has reflected a XXXX balance since XX/XX/XXXX. Finally, the XXXX XXXX XXXX XXXXXXXX account also conflicts across the bureaus, as Equifax reports a XX/XX/XXXX activity date with a XX/XX/XXXX update while TransUnion reports both activity and reporting dates as XX/XX/XXXX. These differences violate the accuracy, completeness, and consistency standards required under FCRA 611 ( 15 U.S.C. 1681i ), FCRA 623 ( a ) ( 2 ), FCRA 623 ( b ), and the creditor obligations regarding correct and updated information under 15 U.S.C. 1666 and 1666a, and I am requesting CFPB assistance because the inconsistent reporting continues to harm my creditworthiness and does not reflect the correct, updated information that furnishers are legally required to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: GA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2025-12-24 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: NJ

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax verified a hard inquiry from XXXX XXXX XXXX XXXX dated XX/XX/2024 despite the fact that I never authorized this inquiry and never applied for credit. Equifax failed to obtain or provide proof of permissible purpose as required by 15 U.S.C. 1681b. I am requesting immediate deletion of this inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: NJ

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

XXXXXXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 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: DC

Complaint narrative:
I just want to Follow up this complaint because both Transunion and Equifax continue to report an incorrect and outdated address, XXXX XXXX XXXX, XXXX, DC XXXX, on my credit file despite the fact that I have never lived at this location or been associated with it in any valid capacity, and I have already contacted both bureaus to dispute this error under my rights provided by FCRA Section 611, which requires the prompt investigation and correction of inaccurate information. This false address appears within the personal information section of my reports and has caused confusion and concern regarding the accuracy of my credit file, creating unnecessary risk of misidentification and the potential attachment of accounts or inquiries that do not belong to me. I have submitted proof of my correct and current address, yet the incorrect address remains, and the bureaus have failed to delete or remove it as required by FCRA 605, which clearly mandates the removal of outdated, irrelevant, or unverifiable information. Their refusal or failure to correct this error has undermined my confidence in the integrity of their reporting systems and has placed me in a vulnerable position where inaccurate personal information may negatively affect my creditworthiness, applications, and identity security. I am requesting CFPB intervention because both bureaus have had adequate time and documentation to verify the inaccuracy, and their continued reporting of this wrong address represents a failure to maintain maximum possible accuracy and a violation of my consumer rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: Property Receivables, Corp
State: TX

Complaint narrative:
So I had a call from ( XXXX ) XXXX. They left a voicemail about being Property Receivables and needing to get in contact with me about a debt. This came as a shock, as I do not owe any outstanding debts. When I went on their website and used the Live Chat function, I was told I owed money to an apartment complex that I lived in XXXX years ago. 

When I went back to check, I saw that this balance was paid off years ago. I have since emailed the apartment complex owners to ask for more on their side, but have not heard back. 

Since the original phone call on XX/XX/year>, I have received multiple phone calls, usually from different numbers, and usually with no voicemails. Here are some of the phone numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX The LAST phone number was the only one to leave a voicemail since the first original call. It told me it was Property Receivables calling about an urgent matter, and to call back at a DIFFERENT number ( XXXX ) XXXX. 

Its interesting that this company claims to be in Washington, but most of the numbers are calling from California. 

I also received a text from phone number ( XXXX ) XXXX, claiming to be Property Receivables and including the original number and a link. When we traced this link back to its original domain, it pops up as gandhi.com somewhere in XXXX. 

In all of this, I have yet to receive any letter in the mail saying I owe a debt ( big red flag ). 

Needless to say, I am almost certain that this is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Climb Credit Inc.
State: CO

Complaint narrative:
The XXXX account is being reported inaccurately as a collection. This account was paid in full and has a XXXX balance. It should not be reported as a collection or negative account. The reporting is misleading and does not accurately reflect the true status of the account. I have already disputed this information with the credit bureaus and contacted the creditor, but the account continues to show as a collection despite being paid and closed with a XXXX balance. This violates the Fair Credit Reporting Act, which requires furnishers to report complete and accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: TX

Complaint narrative:
I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$29000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$780.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$310.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$3700.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$3200.00} XXXX  Original Creditor : XXXX XXXX XXXX XXXX Balance : {$21000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 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: NJ

Complaint narrative:
I am writing to file a formal complaint against the Credit Reporting Agencies ( CRAs ) for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 15 USC 1681b ( a ) ( 2 ), which governs the permissible purpose of furnishing consumer reports.

The FCRA explicitly states : " A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I DID NOT provide any written authorization or written instructions to the CRAs to report or share my consumer report information. Despite this, my information has been disclosed, which constitutes a clear violation of the law. 

Equifax, Experian and Transunion have violated my consumer rights. I am attempting to settle this inaccurate matter privately, NOW. I received a copy of my credit report and noticed account ( XXXX ) that needs to be immediately DELETED. It is as follows : 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 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