vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: ZuntaFi Corp
State: CA

Complaint narrative:
A health card was opened up in my name without my knowledge. I have been receiving collection notices for about a year, I have discarded knowing I did not owe anyone anything. I finally called to ask them to stop sending letters of collection. When they told me what it was. I was told to file a police report, which I did, and then I was told to file a claim with FTC, and was directed to this web-site. I need a confirmation number for filing a claim with FTC to give to the agency along with the police report so they can take it from there.

The collection agency name is XXXX. 
The XXXX  XXXX  where the card was opened is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The card s opened XX/XX/XXXX. Called XXXX XXXX XXXX XXXX. I called on XX/XX/XXXX. 
XX/XX/XXXX a refund was issued of {$120.00} To date the balance is {$6800.00} The representative at XXXX can be reached at XXXX XXXX XXXX. 
XXXX Police report was taken by XXXX XXXX XXXX  at the XXXX, Ca police dept. on XX/XX/XXXXXXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: MO

Complaint narrative:
. XXXX XX/XX/XXXX, I entered into a consumer auto loan contract with XXXX XXXX XXXX XXXX. After discovering multiple violations of federal consumer protection lawsincluding the Truth in Lending Act ( TILA ) I canceled the contract in XXXX and issued four ( 4 ) separate 1099-A and 1099-C filings to discharge the debt and report it accordingly. A cease-and-desist notice was also submitted. 

Despite this, the account has remained on my credit file with updates that continue to reflect the account as open and current. This constitutes willful violations under the Fair Credit Reporting Act ( FCRA ) including : 15 USC 1681b 604 ( a ) ( 2 ) : No written consent was given to furnish or update my consumer file post-cancellation.

15 USC 1681s-2 ( a ) ( 1 ) ( A ) : Continued reporting after notice of inaccuracy and cancellation.

15 USC 1681e ( b ) : Failure to ensure accuracy in the reporting of discharged or obsolete data.

15 USC 1681i : Failure to reinvestigate and correct the data after I submitted formal disputes to all three credit reporting agencies. 

XXXX5 USC 1681c ( a ) ( 5 ) : Some adverse items predate the seven-year limit and should have been removed.

Additionally, collection agencies such as XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX have reported unauthorized third-party accounts to my file without providing any original contracts or proof of assignment. These actions amount to identity theft, fraud, and interstate commerce violations under : 18 USC 1343 : Wire fraud 15 USC 1692g ( FDCPA ) : Failure to provide validation of debt.

Despite my credit being frozen due to identity theft, these companies and the credit reporting agencies have continued to allow hard and soft inquiries and furnish fraudulent and inaccurate accounts, even after repeated disputes and supporting evidence were submitted. 

These errors and ongoing reporting have prevented me from securing housing, transportation, and credit. They have caused significant mental distress, emotional harm, and financial damage, including lost business and livelihood opportunities. ive attached other complaints ive complaint for two yeawrs now and still on my report getting interest along with 1099 a and c and third party i hjave no contract with nation\al security theses inaccuracyies are ruining my life and stopping me from buying home capital one id discharged with 1099 a in 2022 and 1099 c and collecting interest with late payment anlong with third party my rights have been beyond compromised an ive repoted it with evidenc e and they come back accurate with the proof evidence of and santander is over 8 years old an saying current there are many violations to my right i listed evidence exhibits and histry of

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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 have discovered a serious error on my credit report involving an account that I did not open. It appears that my personal information may have been used without my knowledge or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: DISCOVER BANK
State: PR

Complaint narrative:
A few months ago, in XX/XX/XXXX to be specific, some transactions were made until early XXXX at a gas station I never frequent, even though it's close to my house. It's not safe. Many XXXX XXXX come in. I reported it, and the bank determined it wasn't fraud. I wasn't given any further details. Card cloning is a common practice in XXXX XXXX, specifically at gas stations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
sent to the furnishing or reporting of the following items : XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian AXXXX XXXXXX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXXXX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax ( Hard Inquiries on credit Under 15 U.S.C . 1681b ( a ) ( 2 ), consumer reporting agencies are strictly prohibited from furnishing consumer credit information without explicit consent from the consumer. I affirm that I did not con report ) Despite my lawful request, you have continued to report collection activities without furnishing the required verification or providing documentation such as a judgment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
sent to the furnishing or reporting of the following items : XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian AXXXX XXXXXX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXXXX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax ( Hard Inquiries on credit Under 15 U.S.C . 1681b ( a ) ( 2 ), consumer reporting agencies are strictly prohibited from furnishing consumer credit information without explicit consent from the consumer. I affirm that I did not con report ) Despite my lawful request, you have continued to report collection activities without furnishing the required verification or providing documentation such as a judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: MA

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: MA

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: IL

Complaint narrative:
American Education Service has been so unhelpful with servicing my XXXX. I have requested forebrance on my account and to reach out to them to request additional forebrance on my account and they just said I cant because I have reached my maximum amount, also I have explained I am going through medical issues at the moment at it has affected my income and I am not sure how I can pay and they have given me XXXX help XXXX information. they just said nothing we can do as the lender is not giving you any options at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: EQUIFAX, INC.
State: PA

Complaint narrative:
There are collection accounts listed on my report that I believe contain incorrect information. Under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I am requesting a review of these entries, and if they can not be verified as accurate, they should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: FL

Complaint narrative:
I have been charged over {$27000.00} in accrued interest on my student loans when several representatives and letters explained that I not only have been placed in a grace/forbearance period unilaterally by the loan servicing company but also that any interest would be suspended from XXXX XXXX XXXX  through XXXX XXXX XXXX

I have called numerous times including in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to Mohela. I have been repeatedly advised that interest was improperly applied towards my student loans while in an automatic forbearance period. They have refused to provide me with any records detailing my complaint. They have refused to give me any written correspondence whatsoever. 

My loans have been accruing interest notwithstanding reorientations made to me both verbally and in writing. My interest is ballooning on my loans because I did not pay them as they were suspended, however they have been growing during the administrative forbearance I was unilaterally placed in when the interest was supposed to be suspended due to a federal lawsuit over the SAVE plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: LA

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 an 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 seven 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 2025-08-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
I took out a personal loan with One Main Financial. I asked for {$5000.00} and they told me I was eligible for {$17000.00}. I initially took {$10000.00} then a few months later I took the remainder. When I took the initial {$10000.00}, some of it was used to pay the {$800.00} remaining on a previous loan with them. I did the loan over the phone and the lady had me agree to screen share so they we could do the loan. At one part they offer unemployment insurance and since I was already on light duty and worried of retribution from my work for getting hurt, I opted in to the insurance, even though I was still working 40 hours a week. Well, 2 years later, I get terminated on XX/XX/year> without cause. I talked to the branch manager and said I can make one last payment then I need to use my unemployment insurance and I need the claim form. That is when she says I didn't opt in to the unemployment insurance and it's not in my loan agreement. I never received any physical paperwork for the loan but I know it was selected because the lady explained the whole insurance. Anyway, the manager said to make the current payment and then we would figure out the unemployment insurance, well I made the payment with my last paycheck and now she is saying she is escalating the case because she has never in her 34 years, seen someone opt in and it not be on the account. These people call me multiple times a day from multiple branches, even after I just made a {$250.00} payment. So then I googled them and the word " lawsuit '' and saw this is common practice for this company. So now I am reaching out to you guys for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: NV

Complaint narrative:
I'm feeling overwhelmed and deeply concerned. These accounts and inquiries showing up on my credit report are not mine. I've been a victim of identity theft, and this situation is completely out of my control. It's not just numbers on a reportit 's affecting my daily life, my peace of mind, and creating stress within my personal and family life. I never authorized any of this activity, and I'm genuinely struggling with the emotional and practical impact of this fraud. I urgently ask that all these fraudulent items be BLOCKED AND REMOVED from my credit file, including the following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never requested these and I need them gone permanently. Please help me correct my file so I can start healing and move forward.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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 writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. Everything on FTC and PDF is fraud Remove immediately! 15 USC 1681c-2 I did not authorize. Block Remove immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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 submitting this formal complaint regarding Experian 's violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite proper notification and submission of required documentation. 
On XX/XX/XXXX, I disputed several fraudulent accounts and provided Experian with all necessary documents, including a valid identity theft affidavit, proof of address, government-issued ID, and evidence linking me to a data breach. However, Experian failed to block the disputed items within the four business days required by 605B and instead verified the accounts without disclosing the sources or evidence of verification, violating 611s mandate for a reasonable reinvestigation and transparency. Their actions contravene established precedent, such as XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX which affirm the rights of consumers to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations and disregard for the CFPBs 2012 bulletin underscores Experian 's failure to uphold consumer protections under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to turn you in to immigration or deport you
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
This company is breaking the law by failing to provide proper validation details as required under 12 CFR 1006.34 ( b ) ( 5 ). Despite this, they've added a collection to your credit report.

OR This agency is infringing on your consumer rights by using misleading, false, and deceptive tactics.

I've already tried to resolve these issues directly with them, but they continue to violate my rights. For each violation listed, I am entitled to {$1000.00}. They must either compensate me or remove these accounts immediately.

Under the FCRA, you are legally required to investigate these disputes within 30 days. Due to the damaging and incorrect nature of these accounts, I am demanding removal within 24 hours. Failure to comply will result in : Formal complaints filed with the CFPB, FTC, and State Attorney General Legal action for willful noncompliance with federal credit laws Damages for emotional distress and denied opportunities

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