vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-01 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: VA

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against Equifax for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the XXXXXXXX XXXX XXXX XXXX. Complaint Details : XXXX. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education. 
XXXX. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment. 
XXXX. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( XXXX XXXX. XXXX ) and FDCPA ( XXXX XXXX. XXXX ). 
I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: NAVY FEDERAL CREDIT UNION
State: MO

Complaint narrative:
I wasnt aware of the Louisiana SRCA for active duty soldiers until recently Ive tried to get the interest rate dropped through this website before but I didnt know I had to have the fact that Im stationed in Louisiana as an active duty soldier Im being charged 18 % interest when the SRCA states I get 6 % so Im trying again to get the correct rate

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXXXX. XXXX XXXX, XXXX, TX XXXX XX/XX/XXXXXXXX. XX/XX/XXXXXXXX, XXXX, GA XXXX. 

Dispute of collection : CBE GROUP Dear, XX/XX/XXXX & XX/XX/XXXXI am disputing the collection account listed below due to inaccuracies and failure to meet XXXX XXXX compliance standards : The account contains errors in its reporting, including inconsistent or unverifiable information such as the Date of Last Activity ( DOLA ). Under the Fair Credit Reporting Act ( FCRA ). 
I request an investigation and removal of this account if it can not be verified. 
Enclosed are my ID and proof of address for verification. Please resolve this within 30 days and provide written action of your findings XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
I got this following message. I don't have any idea for whom it was sent. I just recently got this number. 

This is CMRE Financial Services , Inc., a debt collector. 
This is an attempt to collect a debt and any information obtained will be used for that purpose. 
Please read the document in the attached image. For a full PDF you can click the link here https : XXXX Reply STOP to stop messages from us.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: NY

Complaint narrative:
I discovered that Equifax, Experian, and TransUnion are reporting multiple fraudulent charge-off and collection accounts on my credit file resulting from identity theft and a confirmed data breach. 

I submitted proper documentation including : Identity Theft Report filed with the FTC Multiple dispute letters under FCRA 605B Debt validation requests under FDCPA 809 Fraud alerts placed under FCRA 605A Despite these actions, the following inaccurate, unverifiable, and unauthorized accounts remain on my report Charge-Off Accounts : 1. XXXX XXXX  Auto/Installment Loan Account XXXX XXXX XXXXXXXX | Balance : {$20000.00} 2. XXXX XXXX XXXX XXXX XXXX XXXX Installment / Deposit Account XXXX XXXX XXXXXXXX / XXXX | Balances : {$3000.00} & {$890.00} 3. XXXX XXXX XXXX Installment Loan Account XXXX XXXX XXXXXXXX | Balance : {$1800.00} Collection Accounts : 4. XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX. ) Account XXXX XXXX XXXX | Balance : {$1300.00} 5. XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX | Balance : {$640.00} 6. XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX | Balance : {$790.00} 7. XXXX XXXXXXXX XXXX XXXX  Account XXXX XXXX XXXXXXXX | Balance : {$3100.00} These companies are violating multiple provisions under : FCRA 605B Failure to block fraudulent information within 4 business days FCRA 611 Failure to conduct a reasonable reinvestigation FCRA 623 ( a ) ( 5 ) Reporting data that is knowingly inaccurate FDCPA 809 Failure to provide debt validation upon request FCRA 605 ( c ) & 615 ( f ) Reinserting or re-aging fraudulent accounts FCRA 604 ( a ) ( 2 ) Failure to honor fraud alerts FCRA 616 & 617 Civil liability for willful and negligent noncompliance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: NY

Complaint narrative:
I discovered that Equifax, Experian, and TransUnion are reporting multiple fraudulent charge-off and collection accounts on my credit file resulting from identity theft and a confirmed data breach. 

I submitted proper documentation including : Identity Theft Report filed with the FTC Multiple dispute letters under FCRA 605B Debt validation requests under FDCPA 809 Fraud alerts placed under FCRA 605A Despite these actions, the following inaccurate, unverifiable, and unauthorized accounts remain on my report Charge-Off Accounts : 1. XXXX XXXX  Auto/Installment Loan Account XXXX XXXX XXXXXXXX | Balance : {$20000.00} 2. XXXX XXXX XXXX XXXX XXXX XXXX Installment / Deposit Account XXXX XXXX XXXXXXXX / XXXX | Balances : {$3000.00} & {$890.00} 3. XXXX XXXX XXXX Installment Loan Account XXXX XXXX XXXXXXXX | Balance : {$1800.00} Collection Accounts : 4. XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX. ) Account XXXX XXXX XXXX | Balance : {$1300.00} 5. XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX | Balance : {$640.00} 6. XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX | Balance : {$790.00} 7. XXXX XXXXXXXX XXXX XXXX  Account XXXX XXXX XXXXXXXX | Balance : {$3100.00} These companies are violating multiple provisions under : FCRA 605B Failure to block fraudulent information within 4 business days FCRA 611 Failure to conduct a reasonable reinvestigation FCRA 623 ( a ) ( 5 ) Reporting data that is knowingly inaccurate FDCPA 809 Failure to provide debt validation upon request FCRA 605 ( c ) & 615 ( f ) Reinserting or re-aging fraudulent accounts FCRA 604 ( a ) ( 2 ) Failure to honor fraud alerts FCRA 616 & 617 Civil liability for willful and negligent noncompliance

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 2025-06-01 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: OR

Complaint narrative:
Fortiva retail credit has told me false information about when my payment plan was to start and end without interest. They charged me a annual fee a month after I opened my account without informing me and they charged interest on my no interest plan. 
I paid my bill on the date before XXXX but it wasnt eastern time. They never specified before it had to be paid before Eastern time. 
I called to confirm I do not get a late fee they assured me I wouldnt. I then get charged a late fee with interest. I called to tell them I confirmed my payment. They told it doesnt matter I get the late fee. They also charge me a fee for my billing statement that also gains interest. 
The interest rate they are charging is 35.99 % APR I would never have agreed to that rate but signed up for the six month no interest. They didnt start my payments until XXXX but informed me I will be charged interest in XXXX. I can not pay off my account when all the charges I keep getting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
Robinhood decided to tell me that they are closing my account with no reason even after I submitted all my documents for them to verify and now they are refusing to return my money and customer service is not helping. They liquidated all my positions on XX/XX/XXXX without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: NY

Complaint narrative:
I submitted a formal dispute to Experian regarding multiple inaccurate and unverifiable accounts listed on my credit report. My dispute package included a notarized affidavit, a copy of my government-issued ID, proof of address, and a detailed list of disputed accounts. 

Despite receiving this documentation, Experian responded by marking the accounts as verified without providing any supporting documentation from the furnishersno signed contracts, billing records, or legal proof. This violates the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681i failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) failure to verify or correct inaccurate information I have not received any evidence of a proper investigation. I am requesting that the Consumer Financial Protection Bureau investigate this matter and compel Experian to either produce legally sufficient documentation or delete the disputed items from my 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 2025-06-01 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
25 CFR 11.417 - Extortion.

CFR prey | next 11.417 Extortion.

A person who shall willfully, by making false charges against another person or by any other means whatsoever, extort or attempt to extort any moneys, goods, property, or anything else of any value, shall be guilty of extortion, a misdemeanor. 
Likes XXXX and that is per 25 CFR 11.417

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 2025-06-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
According to 15 usc 1681 I have the right to dispute inaccurate and unverifiable Information that's on my credit report. I disputed multiple times with credit bureaus and it's coming back as updated and verified without a proper investigation.The company failed to send me any of the information I requested even with my other complaint they never sent verification of debt, the ORIGINAL Contract bearing my signature & explanation of the amount and how it was calculated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 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: FL

Complaint narrative:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance.

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting.

I never had an account with Professional Debt, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law.

This account is still within the federal debt validation window, per 1006.34. Failure to comply will result in further action to seek justice for the harm caused.

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 2025-06-01 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I have been paying XXXX since XXXX, and I was never late because I had it taken out automatically every month. Most recently they changed banks, and it stopped my automatic payment, I was not informed they changed banks and I keep getting calls from a XXXX XXXX when I spoke to XXXX of their representatives, they informed me that XXXX changed banks ( You can check the recording because I told them I did know and I thought they were trying to commit fraud it is all recorded ). I started my automatic payments again. A couple of months later XXXX XXXX started calling me again stating I was behind on payments I told them I never stopped my automatic payments so why would I be late. They charged me a late fee, and they messed up my perfect no late payments on my credit. I started my automatic payments again at that time. No, I get another letter stating I am now XXXX  days late and it is on my credit report. I also see that I have a {$2100.00} balance I brought the laptop for {$2300.00} and I have been paying for XXXX   years my amount was around {$1500.00} about XXXX  years ago now it backs up. I believe there is some fraud going on and I'm paying for it. Please help me I know there is a problem, and XXXX is getting away with it something is going on with this company. I know I have paid them for the laptop. How could the amount be back up to where it started and I have been paying for XXXX  years going on XXXX  years. Please help I want this resolved and my credit fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: GA

Complaint narrative:
I do not authorize these transactions and need them removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-01 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: WA

Complaint narrative:
This is a follow-up complaint regarding XXXX misreporting my short-term installment purchase as a traditional unsecured loan. 

On XX/XX/XXXX, I opened a XXXX Buy Now, Pay Later plan with Affirm for {$510.00}, which was fully paid off on time on XX/XX/XXXX. Despite the short term and nature of the transaction, XXXX reported it to Experian as an Unsecured personal loan. As a result, my FICO Score dropped by XXXX points. 

I contacted XXXX and Experian, but the information was not corrected. 

Most importantly, Experians own app clearly states : Buy Now, Pay Later accounts arent factored into these changes to your Experian credit report, and Most Buy Now, Pay Later accounts dont impact traditional credit scores. 

This report directly contradicts that. I am requesting that this item be either removed or reclassified correctly as a Buy Now, Pay Later account, with no negative impact to my score. 

Screenshots of the XXXX account details and the Experian app 's statement are attached. In addition to the closed account that already caused a XXXX drop, there are currently XXXX more open Affirm accounts in my Experian report that are also labeled Buy Now Pay Later but marked as Unsecured loans. I am deeply concerned that once those accounts are closed, my score may be negatively impacted again in the same incorrect way. I am asking that these open XXXX  accounts also be reviewed and correctly reclassified now to avoid further damage.

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 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I requested my credit report from all three agencies. The first time I requested it by mail and only received a report from Experian. Here recently I requested by phone at XXXX and I only received Experian. Nothing from Transunion or Equifax. When I called they said it would be mail but still nothing. Please assist me with this matter. Has someone stolen my credit information? I'm concerned. It's been months, more than enough time for me to receive my credit report from TransUnion and Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: AL

Complaint narrative:
I XXXX XXXX XXXX filing this complaint to the CFPB after noticing an account reported on my credit report that shouldn't be on there. Im involving the CFPB because that's the sole purpose of their existence, to protect the privacy and rights of consumers. The account XXXX, which is a student loan from the Department of Education. According to the XXXX XXXX Rights & Privacy Act ( XXXX ). XXXX is a federal law enacted in XXXX  that protected the privacy of student education records. XXXX applies to any public or private elementary, secondary, or post secondary school. 20 USC 1232 ( g ). Also violates the privacy XXXX XXXX XXXX. " Remove '' or " Delete this item from my reports 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 non-monetary relief
Consumer complaint received 2025-06-01 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: GA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX  XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX XXXX XXXX  # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

I looked at my credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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.

1681i ( a ) ( 1 ) ( A ) You have the right to dispute inaccurate information, and credit reporting agencies ( CRAs ) must investigate within 30 days.

1681i ( a ) ( 5 ) ( A ) If information can not be verified, it must be deleted.

1681e ( b ) CRAs must ensure maximum possible accuracy in the information they report.

" Under 15 U.S. Code 1681i and 1681e ( b ) of the FCRA, I have the right to dispute any information that I believe is inaccurate or unverifiable. If the account in question can not be verified, it must be removed from my credit file. ''

Company response to consumer: Closed with non-monetary relief