vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: VA

Complaint narrative:
The bankruptcy records on XXXX  and XXXX  was removed. Why is XXXX  still reporting on my end?! Please remove it on my credit report because I am telling you that it does not belong to me! I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am writing to formally dispute XXXX fraudulent accounts that have been reported in my name, which I did not authorize or open. These accounts are the result of identity theft. 



Fraudulent Accounts : Creditor Name : Navy Federal Credit Union Account Number ( XXXX ) : XXXX and XXXX Amounts : {$3700.00} and {$1900.00} Date Opened : XX/XX/year> I was actively serving in Navy XXXX XXXX during this period and could not have opened any financial accounts. Therefore, it is impossible that these accounts belong to me. 

As provided under 15 U.S.C. 1681c-2, I am requesting the immediate blocking and permanent removal of these accounts from my credit report. In accordance with federal law, no police report is required for this request. I am providing the following required documentation : FTC Identity Theft Report Government-issued ID Proof of current address ( e.g., utility bill or lease ) Under 15 U.S.C. 1681c-2, I have the right to request that information resulting from identity theft be blocked from my credit file. Upon receipt of this request with supporting documents, the credit reporting agencies are required to block this information within 4 business days. 


Please consider this letter formal notice under the FCRA. If you require any additional documentation, please contact me in writing as soon as possible. I expect compliance within the required timeframe. 



Thank you for your prompt attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: SC

Complaint narrative:
As of XX/XX/year>, I applied for a installment loan online in good faith. I was denied the extension of credit. According to 15 U.S. Code 1691 - Scope of prohibition ( a ) Activities constituting discrimination- It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 3 ) because the applicant has in good faith exercised any right under this chapter. The company also did not provide me a notice of " adverse action. '' The company has violated my consumer 's rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: SOUTHSTATE BANK CORPORATION
State: NC

Complaint narrative:
I am the authorized fiduciary agent for The XXXX XXXX XXXX XXXX, a lawful, notarized, IRS-EIN registered trust entity . 

On XX/XX/year>, I submitted all required trust documentation to SouthState Bank through their representative, XXXX XXXX. The documents included : Certificate of Trust, Trust Declaration with Schedule A, IRS EIN Assignment Letter, and valid government-issued ID. 

Despite receiving all proper documentation, I was told via email that SouthState does not open dynasty trusts of the type created by the documents you provided. No lawful basis, written policy, banking regulation, or formal explanation was cited. 

When I requested clarification or a written explanation, none was provided. The denial was vague and arbitrary and failed to cite any legal or internal policy authority. I sent a follow-up email and a formal Notice of Dishonor & Opportunity to Cure. No response has been received. 

This appears to be a denial of lawful fiduciary access and trust banking services based solely on the trust structure, without legal justification. It harmed the administration and financial functionality of the trust and deprived beneficiaries of lawful remedy. 

I am seeking CFPB oversight and formal response from the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: TekCollect Inc.
State: TX

Complaint narrative:
I have contacted Tek Collect regarding this fraudulent account and I have also sent documentation along with an FTC identity theft report and Tek Collect is still reporting this account. I have never done any business with Tek Collect and did not authorize anyone or company to share any of my personal information. I request a cease and desist and want this account removed, deleted and blocked from my name and credit file immediately.

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

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

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 ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXXXXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ 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 2025-08-05 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: CIG FINANCIAL LLC
State: AZ

Complaint narrative:
I spoke with them about straightening out my credit. I was homeless at the time and fixing that would have made a difference. We had a call scheduled and the guy had asked to bill that day and I kept saying no. Because I was living in a hotel. he finally wears me down but tells me they wont bill me until we have the call.First thing I wake up to is they have billed me XXXX and the call hasnt even happened yet.I call them filed my complaint demanded my refund, and no one called me back. 

They just tried to bill me again yesterday and my bank stopped it. I am going to dispute all the charges from them as they have also done nothing but my primary concern is them taking advantage of a person in that kind of situation and not even actually doing the job they were collecting the funds for. And I was homeless!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
In XX/XX/year> Navient handled my student ( for many years ) I had a change on my credit bureau that it was transferred to XXXX and paid off. I looked into this and found Navient was in trouble for predatory practices. For years I tried to pay my loan, but they wouldnt let me pay a reasonable monthly payment and would consequently put me in forbearance. They gave me no other options. The interest built to a crazy amount. They pushed my loan along in forbearance. When I saw the reports about Navient having to own up to the predatory practices they did against borrowers, I thought my loan was included. But, it looks like the transferred it to XXXX instead. I received no correspondence ever from XXXX. Now Im getting mail from XXXX. I think it may have been transferred again. I need help with Navient taking responsibility for the position they pushed me into. 
Thank you for your time and assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: AZ

Complaint narrative:
The inaccurate information reflected on my credit report has caused substantial financial hardship and emotional distress. The misrepresentation of my personal and financial details has misled creditors and financial institutions, resulting in higher interest rates, denial of credit, and a significant negative impact on my financial stability. My repeated efforts to correct these inaccuracies have led to ongoing stress and anxiety, diminishing my confidence in the credit reporting system. 

Despite multiple disputes, the persistent presence of these errors worsens the situation, creating undue financial pressure. The refusal to correct the inaccuracies has left me with no choice but to take unnecessary financial measures, further compromising my emotional and financial well-being. Being unfairly penalized for issues outside my control has caused considerable distress and hardship. 

The continued reporting of false information constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The failure to correct or remove these inaccuracies, despite clear evidence and legal obligations, demonstrates a disregard for consumer protection laws. This ongoing issue has not only led to financial consequences but also caused significant emotional distress, affecting my daily life and overall mental health.

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 2025-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

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 2025-08-05 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: MI

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$1800.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$3100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$4100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$4500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$17000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXXXXXX 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 2025-08-05 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:
I am filing this complaint because the consumer reporting agency has included unauthorized hard inquiries on my credit report, which were not initiated by me. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) and ( B ) ( i ) and 15 U.S.C. 1681g ( a ) ( 5 ). These sections prohibit reporting inquiries not initiated by the consumer unless specific conditions are met, such as prior written authorization or a firm offer of credit. I did not authorize these inquiries and never provided my written consent. As such, their presence on my credit report is unlawful. The consumer reporting agency has also failed to provide evidence of permissible purpose or documentation containing my signature authorizing these inquiries.

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 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. A 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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: AMERICAN EXPRESS COMPANY
State: MS

Complaint narrative:
Fraud. I think XXXX  XXXX  did it. This person also had access to other peoples bank account numbers etc they would use electronic fictitious payment on this account and while the account appeared to be paid off, they would run it back up to the credit limit. This is why the balance is so high. I tried to pay when I could because I felt American Express wasnt part of this fraud action. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FORD MOTOR CREDIT CO.
State: GA

Complaint narrative:
On XX/XX/year> I was in a very bad accident the car was totally smashed and I myself was hurt. I had a XXXX XXXXXXXX XXXX XXXX. I am not working and I received XXXX. My payment from XXXX is {$870.00} I have to pay my rent and my other bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My Wells Fargo checking account was closed on or around XX/XX/year> without my request. In XX/XX/year>, Wells Fargo sent me a letter stating the closure was due to one or more money transfers to your account reported as unauthorized. When I later called Wells Fargo, the only additional information I was given was that the closure reason was listed as unsatisfactory handling. 

I have since requested a copy of my transaction history and reviewed it. I see that approximately {$3000.00} was received via XXXX separate XXXX transfers. These were all authorized, personal payments from friends and family. This was not business activity or fraud, but legitimate personal transfers. At no point was I informed that this activity could be considered improper or grounds for account closure. The total amount involved was relatively small, and there was no fraudulent or illegal activity. 

At no time was my account overdrawn or negative, and I did not owe Wells Fargo any money when the account was closed. I was never contacted before the closure to verify or dispute these transfers. 

Wells Fargo also reported this closure to XXXX XXXX XXXX as Closed for Cause, which is preventing me from opening accounts at other financial institutions. This reporting is misleading and harmful, as it implies wrongdoing or debt that did not occur. 

I have already tried resolving this by visiting a branch and calling the phone numbers provided, but no one could provide more than the same general statements from the original letter. I believe the closure and reporting were unfair and do not accurately reflect my account history.

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