vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: ZuntaFi Corp
State: NC

Complaint narrative:
Response to case : XXXX I am filing this follow-up complaint regarding my loan with XXXX XXXX. 

In their response, XXXX continues to classify my loan as an educational loan. However, my borrower portal, emails, and the disclosure documents I received clearly identify it as a Private Student Loan. These disclosures even include examples referencing XXXX and federal student loan programs. 

This creates a direct conflict : If it is an educational loan only, why does XXXX consistently call it a Private Student Loan to borrowers? 
Why are federal loan programs such as XXXX included in the disclosure materials if this product does not carry similar protections or eligibility? 

I respectfully request that XXXX provide a clear explanation for : XXXX. Why they continue to call this loan an educational loan in regulatory responses while labeling it a Private Student Loan in consumer-facing materials. 
XXXX. Why federal program comparisons ( XXXX XXXX XXXX ) were included in my disclosures if the product does not provide comparable features or protections. 

This inconsistent labeling has misled me into believing I had a true student loan product, when in reality it is not refinanceable and lacks student-loan protections. I am requesting clarification and accountability for this misrepresentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
XXXX demands ful permanent credit for the following cases : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am disputing the late payment currently reported on my credit report. This entry is inaccurate and does not reflect my timely payment history. Its continued reporting misrepresents my financial responsibility and negatively impacts my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CLGF Holdco 1, LLC
State: WA

Complaint narrative:
I received an email this morning, XXXX XXXXXXXX XXXX, from Concora Credit ( for XXXX XXXX ) saying that my account was updated. I tried to log into my account and it appears that my email address was changed by someone who hacked my account. I contacted the company and confirmed all of my personal information to ask them to change the email back. They told me they couldn't do that and told me that the address had been updated and then a new card had been sent to the updated address. I told then, my actual address and they confirmed that someone had actually hacked my account. I asked them to change my address back and they made me upload.Documents which they said would take XXXX days to review to update my account. I asked them for a letter with the information.So that I could provide it to law enforcement to file a fraud report. They refused to send me a letter because they said they'll only send it to the person who hacked my account since that's the address on the account. In the meantime, I told them to freeze the card and to issue me a new card and they told me they just froze it. They refused to issue a new card with a new card number. It took me an hour and a half and XXXX different customer service representatives before I could get someone to freeze the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: TX

Complaint narrative:
I am formally disputing the late payment listed on my credit file. This entry is inaccurate, as I have consistently made payments on time. The reporting of this false entry unjustly harms my creditworthiness and misrepresents my financial responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-23 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with the interest rate
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I am submitting a complaint regarding an auto loan I received in XXXX from Chrysler Capital that I believe is predatory. 

Loan Details : Original Loan Amount : {$26000.00} Current Balance : ~ {$21000.00} Interest Rate : 21.73 % APR Monthly Payment : {$640.00} Term : [ Insert term, XXXX XXXX months ] Issue : The interest rate of 21.73 % is extraordinarily high compared to standard auto loan rates ( 1215 % for subprime borrowers ). 
Despite making consistent payments for over 6 years, my balance has only decreased by ~ {$5300.00}, meaning the majority of my payments have gone toward interest. 
I previously deferred payments in XXXX during XXXX, which compounded interest and further increased my balance. 

The attached table illustrates that I have been overcharged by roughly {$18000.00}, primarily due to excessive interest and accrued interest during past deferments. 

I would attach the loan agreement however it is no longer available when I log into my account. 

Attachments : -Payment history showing interest vs. principal paid -Balance comparison table XXXX XXXX XXXX XXXX ) XXXX Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you -- credit reporting agency, 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. 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 explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: IL

Complaint narrative:
In XX/XX/year> I opened an account reacting to the marketing offer sent to me by PNC Bank for {$400.00} ( opening bonus ). 
I have made qualifying deposits of over {$5000.00} ( more transactions from overseas were blocked due to the PNC bank blocking access to my account from overseas ). 
I contacted the banker XXXX XXXX XXXX who during the account opening she indicated she applied the coupon code to the account. Subsequently PNC Bank staff refused to respond to my questions ( either the banker, customer service or XXXX from XXXXXXXX XXXX branch ). It is very disappointing as the bank is obviously not interested in addressing the issue hoping that it will go away.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I'm writing to formally dispute inaccurate and misleading information being reported on my credit file related to an account that is marked as late which is factually incorrect and a violation of federal law. 

Let me be absolutely clear : this account has always been paid on time and in full, as agreed. I have never missed a payment on this account. The current reporting of late payments is not only damaging but is also legally inaccurate under 15 U.S. Code 1666b, which governs timely payments and proper billing practices. 

This is a billing error, plain and simple. The payment was made as required, and I should not be penalized for a mistake that is not mine. The negative marks being reported are unjustified and are violating the protections provided to me as a consumer under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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 writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

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 2025-09-23 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 my credit report with Experian contains unauthorized hard inquiries, inaccurate name variations, and invalid addresses that I did not authorize or provide. I am a victim of identity theft and have submitted a valid FTC Identity Theft Report along with my identification, Social Security card, and proof of current address to support my claim. 

According to the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681b, a consumer reporting agency may only share a credit report when there is a legitimate business need initiated by the consumer. The creditor responsible for the inquiry listed below has confirmed that they have no record of my consent, no signed agreements, and no permissible purpose. This inquiry was not authorized by me. 

XXXX XXXX XXXX XXXX XXXXXX/XX/year> Additionally, I have identified inaccurate personal information on my credit report, including multiple unauthorized name variations and outdated addresses, which do not belong to me. My only legal name is XXXX XXXX XXXX, as it appears on my Social Security Card ( see proof attached ). No other name variation is valid or authorized to appear on my credit profile. 

My only correct and current address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, TX XXXX ( proof attached ). Any other address listed on my credit report is inaccurate, no longer associated with me, and must be permanently removed from my file. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681e ( b ), credit bureaus are required to maintain the maximum possible accuracy in the information they report. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ), unverifiable or incorrect information must be deleted. I am formally demanding that XXXX update and correct my personal information to reflect only accurate and verifiable data, as required by law. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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:
I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX - Balance {$570.00} Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX - Balance {$760.00} Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX - Balance {$1200.00} Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX - Balance {$13000.00} Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX - Balance {$9600.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: NV

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$1200.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: U.S. BANCORP
State: IL

Complaint narrative:
I thought I was working with XXXX XXXX  to get my XXXX  taken care of and manage my mortgage with US BANK. The following is what they sent me, the initial payment and then the following to show I am able to maintain payments to complete the program. I have proof of payments I was sending them. I was emailing and calling. Now I get no communication once I confront them about their methods and they seem suspicious once they were changing company numbers more than once. I understand there are some situations where relocation happens and need to change numbers or technical difficulties happen and a number needs to be changed. 

Payment Amount : {$1300.00}. 

Payment Date : XX/XX/year>. 

Payment Method : XXXX CODE. 

This is to inform you that your XXXX default payment is declined by our system. There is no problem with your bank account. 

XXXX ) Why was your payment declined? 

Your payment was declined by our system because of the suspension of your XXXX number. 

XXXX ) When does a Loan number gets suspended? 

If you are negative towards your monthly mortgage, escrow is negative and there are late fees. 

XXXX ) What happens if a Loan number is suspended? 

Whenever we run any transaction using any electronic payment option ( Checking account, Savings account, Debit card, Online or Check ) are declined because our system can't find your XXXX number due to suspension of it. Even if we force the payment in, it will show as unapplied funds. 

So ( my name ), under this situation any electronic mode of payment will not be accepted by the system, either it will be declined, or it will be kept on hold and will show as unapplied funds. 

Manual Payment option : As our system is not accepting any electronic payment option, under that situation payment is an XXXX XXXX. ( XXXX XXXX Account XXXX ). XXXX code is a Barcode generated from your XXXX account. 

Go to local branch of Guaranteed Rate. ( It should be under the city limit ) If there is no local branch, as according to federal rules XXXX XXXX is authorized to accept XXXX Account payment. 
Call your case manager before XXXX minutes of reaching Guaranteed Rate / XXXX XXXX. ( As generating the code may take XXXX minutes ) It will be sent on your email or Text. 
Go to Customer Service desk. 
Show them your code and pay {$1200.00}. 
They will give you XXXX receipt 's for XXXX transaction after your payment is completed. 
Receipt is mandatory as we have to attach it with your Loan Modification file.

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 2025-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
( XXXX XXXX. XXXX ) Dear Truist Bank XXXXXXXX XXXX XXXXXXXX, I am writing regarding the Truist Bank XXXX XXXX . I believe I qualify based on receiving unauthorized prerecorded calls between XXXX and XXXX, but I did not receive notice before the XX/XX/XXXX, deadline. I have bank statements, emails and recordings as proof. Additionally, I experienced money missing from my account, unauthorized branch transactions, and an account closure, which I can document. 

Please advise if I can still be included in the settlement or if my account issues qualify for separate consideration. You can reach me at [ XXXX ]. 

Thank you, [ XXXX XXXX ] [ XXXX ] [ XXXX XXXX XXXX, XXXXXXXX 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