vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Zip Co US Inc.
State: CA

Complaint narrative:
On my Phone app for Zip. It It shows installment payments for XXXX XXXX. 
( Order # XXXX ) amount {$44.00} paid for this on XX/XX/2025 amount {$21.00} Then on XXXX XXXX I order food using the Zip app on my phone from XXXX  the amount was {$72.00} ( Order # XXXX ) order was canceled but Zip still charging me. I paid {$17.00} To begin my installments and I'd like that back. 

On the Same day XX/XX/2025 Since the other order was canceled I ordered again on the zip app ( Order # XXXX ) amount was {$40.00} from XXXX XXXX. That XXXX was canceled But Zip is still charging me. 
My credit. 
At the beginning was {$100.00} I'd like the money be turned back to my zip account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-07-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX I did a pre-qualification for a credit target in which they said that it would not harm my credit as a hard inquiry and if it was, I did not give my consent for it to be done that is why I want them to eliminate this hard inquiry.

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 2025-07-06 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: AL

Complaint narrative:
" I discovered collection accounts on my credit report from companies I have never signed a contract or agreement with. I have no knowledge of the debt being collected and did not authorize the third-party debt collector to collect in my name. I am filing this report because these accounts were opened or transferred without my consent or authorization and are fraudulent in nature under FCRA 1681 and FDCPA 809. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Continental Finance Company, LLC
State: CA

Complaint narrative:
b'Continental Finance Company\nCardholder Services\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXn\nSubject: Dispute of Unauthorized Charges on Account Ending in XXXX  Request for Immediate Investigation and Removal\n\nTo Whom It May Concern,\n\nI am writing to formally dispute a series of unauthorized transactions listed on my Mastercard account ending in XXXX. These charges appear on my XXXX statement, and I am asserting my rights under your XXXX Liability Policy and the Fair Credit Billing Act (FCBA).\n\nThe transactions I am disputing are as follows:\nDate\tMerchant Name\tAmount\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXn\nThese transactions were not authorized by me,  I lost my card i cant find it.  I believe they were made fraudulently, and therefore I am requesting the following:\n\n    Immediate reversal of the unauthorized charges.\n\n    Confirmation that I am not liable under your XXXX  Liability policy.\n\n    A full investigation in accordance with the Fair Credit Billing Act.\n\n    Written confirmation of your findings and the resolution of this dispute.\n\nPlease find attached a copy of the statement with the unauthorized transactions highlighted for your reference. I request that this matter be resolved promptly to avoid further harm to my credit or finances.\n\nSincerely,\n\nXXXX pimienta\n\n\n\n\n\ncopy sent review to (FTC, CFPBXXXX XXXX Comptroller of currency)'

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 2025-07-06 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: Early Warning Services, LLC
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX Email : XXXX Date : XX/XX/2025 To : Consumer Financial Protection Bureau XXXX. XXXX XXXXXXXX XXXX XXXX DC XXXX Subject : Formal Complaint Against Early Warning Services for Identity Theft and Unauthorized Use of Personal Information To Whom It XXXX Concern, My name is XXXX XXXX, and I am writing to file a formal complaint against Early Warning Services for their unlawful handling of my personal and financial data, which has resulted in identity theft and the unauthorized buying and selling of my information for financial gain. 

These companies have accessed and distributed my sensitive personal information without my permission, which directly violates multiple federal laws, including : 15 U.S. Code 1681b The Fair Credit Reporting Act ( FCRA ) : Regulates the use and disclosure of consumer reports only for permissible purposes.

15 U.S. Code 6801 and 6802 Gramm-Leach-Bliley Act : Requires protection of the privacy of consumer financial information and limits disclosure.

18 U.S. Code 1028 Identity Theft : Addresses fraud and related activity in connection with unauthorized use of identification information. 

As a result of their actions, I have suffered financial damage, privacy violations, and the misuse of my identity. I hereby demand : 1. Immediate deletion of any and all information connected to me from their databases.

2. A permanent cease-and-desist on the use, sale, or sharing of my information.

3. Monetary damages for the harm caused, as allowed under 15 U.S. Code 1681n and 1681o, which allow for actual and statutory damages in cases of willful and negligent noncompliance.

This is an urgent matter, and I demand action within four ( 4 ) business days of receiving this complaint. Failure to act will result in legal action and formal complaints with additional state and federal agencies. 

Please confirm receipt and provide a written response detailing the actions taken. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: AL

Complaint narrative:
I am writing to file a formal complaint regarding inaccurate and detrimental credit reporting by XXXX XXXX XXXX concerning my student loan accounts. This inaccurate reporting has resulted in a significant and unwarranted drop in my credit score by approximately XXXX points. 
My credit reports from EquifaxXXXX XXXX and XXXX which I have attached for your review, show my student loan accounts with XXXX XXXX XXXX as being severely delinquent. Specifically : Equifax : XXXX the account status as " NOT_MORE_THAN_FOUR_PAYMENT_PAST_DUE. '' XXXX XXXX XXXXeports the accounts as " XXXX. {$14000.00} past due as of XX/XX/XXXX. '' XXXX  : Reports the accounts with a " Pay Status '' of " >Account 90 Days Past Due Dates<. '' All three bureaus indicate that my last payment was made on XX/XX/XXXX. 
This reporting is a direct consequence of the new student loan repayment regulation and the associated administrative forbearance or payment pause that was in effect. I believe that during this period, my accounts should not have been reported as delinquent, or at the very least, a clear explanation and resolution process should have been communicated and implemented by XXXX XXXX XXXX to prevent negative credit impacts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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: AL

Complaint narrative:
I am writing to file a formal complaint regarding inaccurate and detrimental credit reporting by XXXX XXXX XXXX concerning my student loan accounts. This inaccurate reporting has resulted in a significant and unwarranted drop in my XXXX XXXX by approximately XXXX points. 
My credit reports from XXXX XXXX, and TransUnion, which I have attached for your review, show my student loan accounts with XXXX XXXX XXXX as being severely delinquent. Specifically : XXXX XXXX XXXXXXXX the account status as " NOT_MORE_THAN_FOUR_PAYMENT_PAST_DUE. '' XXXX XXXX  Reports the accounts as " XXXX. {$14000.00} past due as of XX/XX/XXXX. '' TransUnion : Reports the accounts with a " Pay Status '' of " >Account 90 Days Past Due XXXX. '' All three bureaus indicate that my last payment was made on XX/XX/XXXX. 
This reporting is a direct consequence of the new student loan repayment regulation and the associated administrative forbearance or payment pause that was in effect. I believe that during this period, my accounts should not have been reported as delinquent, or at the very least, a clear explanation and resolution process should have been communicated and implemented by XXXX XXXX XXXX to prevent negative credit impacts.

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 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am writing to file a formal complaint regarding inaccurate and detrimental credit reporting by XXXX XXXX XXXX concerning my student loan accounts. This inaccurate reporting has resulted in a significant and unwarranted drop in my credit score by approximately XXXX points. 
My credit reports from XXXX, Experian, and XXXX which I have attached for your review, show my student loan accounts with XXXX XXXX XXXX as being severely delinquent. Specifically : XXXX XXXX  XXXX the account status as " NOT_MORE_THAN_FOUR_PAYMENT_PAST_DUE. '' Experian : Reports the accounts as " XXXX. {$14000.00} past due as of XX/XX/XXXX. XXXX XXXX : Reports the accounts with a " Pay Status '' of " >Account 90 Days Past Due Dates<. '' All three bureaus indicate that my last payment was made on XX/XX/XXXX. 
This reporting is a direct consequence of the new student loan repayment regulation and the associated administrative forbearance or payment pause that was in effect. I believe that during this period, my accounts should not have been reported as delinquent, or at the very least, a clear explanation and resolution process should have been communicated and implemented by XXXX XXXX XXXX to prevent negative credit impacts.

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 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute of Inaccurate Reporting Impact XXXX XXXX ( Account # if available ) Dear Equifax Dispute Department, I am writing to formally dispute the accuracy and completeness of an account listed on my Equifax credit report. The account in question is being reported by XXXX XXXX XXXX and appears as a collection account under an open status. 



I am disputing this item on the following grounds : This same account has already been removed from TransUnion, and is not reporting on Experian suggesting it was either verified as inaccurate, unsubstantiated, or otherwise ineligible for reporting. 

The account type field is blank it does not specify whether this is a revolving account, collection, charge-off, or installment loan, which violates Equifax own reporting guidelines. 

The account status is listed as open which is inaccurate for a collection account, as collections are not open tradelines and should not reflect an open account status. 

There is no payment history, no remarks, and a lack of account type classification, making the entry materially incomplete and misleading under the Fair Credit Reporting Act ( FCRA ). 



According to the FCRA, all information on my credit report must be complete, accurate, and verifiable. Given the absence of key data and the inconsistencies with standard credit reporting guidelines, I request that this account be fully removed from my Equifax credit file. 



Please conduct an immediate investigation pursuant to 15 U.S. Code 1681i, and remove this account if it can not be fully verified with complete and accurate data. Additionally, I request written confirmation of the results of your investigation and an updated copy of my credit report once the investigation is complete. 



Thank you for your prompt attention to this matter. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-07-06 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: NY

Complaint narrative:
According to the fair credit reporting Act 15 USC 1681c- 2 I ask that all improper reporting on my credit to be revomed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-07-06 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: FL

Complaint narrative:
This credit dispute is being submitted as a new evidence dispute. The accounts that are being XXXX XXXX XXXX  open XXXX disputed do not belong to me. The below is my sworn statement concerning these credit issues. 
It is my sworn statement that, I declare under penalty of perjury ( " under the laws of the United States, '' if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621.

The trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these account without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 
I have filed a report with the Federal Trade Commission, ( XXXX ) which i have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block this account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-06 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 am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
XX/XX/year> Tried to get an Experian report, called them and they said the reason im not showing is because of proof of address, uploaded address proof same day, please update info

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