vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: World Acceptance Corporation
State: IL

Complaint narrative:
XXXX XXXXWorld Acceptance Coorporation is improperly reporting a debt that they no longer own. They are in violation Under the FCRA, creditors and lenders are required to report accurate and current information to credit reporting agencies. If a lender has sold a debt, they no longer have an interest in that debt, and they should not report it as if they still hold it.

Here are some key points related to your question : Accuracy Requirement ( Section 1681s-2 of the FCRA ) : This section stipulates that any information reported to credit bureaus must be accurate and current. If a
lender sells a debt to another party, they can not continue to report it as their own debt. The debt should be removed or updated to reflect the current holder.

Obligation to Correct Errors ( Section 1681i ) : If a consumer disputes an item on their credit report, the lender or entity reporting that debt has an obligation to investigate and correct any inaccuracies. If a debt is sold, the reporting should reflect the new creditor, not the original one.

Transfer of Debt ( Section 1681s-2 ) : When a debt is sold or transferred, the original lender should report that the debt is no longer theirs, and the new holder of the debt should be the one reporting.

If a lender continues to report a debt after it's sold or transferred to another party, they may be in violation of the FCRA, and the consumer can dispute this with the credit bureaus. If the reporting continues improperly, consumers could potentially take legal action against the lender under the FCRA. 

So, in essence, if a lender has no further interest in a debt they've sold, they should not be reporting it as theirs, and if they do, it's considered a violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: Army and Air Force Exchange Service
State: HI

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX  acct # has violated my rights. 
15 USC 1681 section 602 states i have the right to privacy.

15USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

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 2025-02-13 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TekCollect Inc.
State: CO

Complaint narrative:
On XXXX, I received a text message from XXXX stating I had a debt, and to reply HELP for info. I replied HELP at XXXX EST, but received no response. Later that day, at XXXX EST, I called the number on the text message ( XXXX ) XXXX ( XXXX EST ). After a minute, the call was disconnected after identifying the debt. I called back at XXXX EST, and I asked to speak to the same person I was speaking to previously, but the gentleman stated that he is not able to transfer me but he can help me. I asked for different resolution options, but before I could discuss my intentions in paying, the rep offered a 2 time settlement. Although the settlement is something I would like to discuss later on, the only thing I could offer at this time is to pay {$25.00} a month, until I can get some money together to pay 2 lump sums. He declined multiple times, and I had to repeat myself as to what my intention was. He was not interested in conversing with me being that I have some experience myself in debt collections, and after XXXX minutes of going back and forth with him, he disconnected the call. I called back at XXXX EST to continue to try to get this resolved, however, I regrettably got the same rep, who did not state the mini-Miranda prior to speaking to me again about the debt, and when I called him out for being unprofessional, he stated that he does not work in customer service to abide by those rules or policies, and then hung up on me again while I was trying to explain to him what my intentions were to resolve the debt. After having this terrible experience, I had no choice but to make a one time payment on the account to avoid aging of the debt. I should not have to deal with this level of unfair treatment being that there are laws that protect me from this kind of behavior.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: LA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am writing to formally dispute the inaccurate reporting on my credit report. The issue with these accounts lies in the inconsistency between the Payment Status and Payment History sections. While these accounts are marked as current under the Payment Status, the Payment History inaccurately reflects a 30-day late payment, which is a clear discrepancy. Due to this incorrect information, my credit score has suffered, affecting my creditworthiness as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am writing to formally dispute the inaccurate reporting on my credit report. The issue with these accounts lies in the inconsistency between the Payment Status and Payment History sections. While these accounts are marked as current under the Payment Status, the Payment History inaccurately reflects a 30-day late payment, which is a clear discrepancy. Due to this incorrect information, my credit score has suffered, affecting my creditworthiness as a consumer.

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 2025-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: MI

Complaint narrative:
My brokerage account was restricted on XXXX after attempting to withdraw money with no reason as to why it was restricted. After several attempts to contact Robinhood, I was unable to obtain a reason as to why this occurred in the first place. Initially, Robinhood provided a date that this would be resolved - XX/XX/XXXX. This date was repeatedly pushed back - again, with no reason as to why. On XX/XX/XXXX, I finally received a response that my account was no longer restricted. The reason provided was that I " fell victim to a scam '' which also doesn't make any sense whatsoever. Moving forward, Robinhood also specified that I will no longer have access to crypto transfers or peer to peer services. Not a huge issue as I simply want to remove the restriction, withdraw my money, and take my business elsewhere. 

After logging on this morning, I attempted to withdraw nearly {$2000.00} and was immediately put on a restriction again. I emailed the support email address asking why this occurred and to expedite the review so I can access/withdraw my money. I again received a very generic response that they are transferring this matter to the appropriate team for review. I also requested a call and spoke with an individual that provided no insight as to why my account was restricted ( again ) and confirmed that I will not be able to withdraw any of my money until the review is complete. I asked for a resolution or update today since this is obviously becoming quite concerning. I have yet to receive any sort of update, and I assume this review will continue to be pushed out. Meanwhile, I have bills to pay and require access to my funds. It simply appears that at this time, Robinhood could care less about their long-time users and the financial hardship these unexplainable " restrictions '' place on users being able to withdraw funds. Given this issue, I have initiated a portfolio transfer to another more reputable broker. Given my account is restricted, I'm assuming this will fail even though Robinhood has already deducted the {$100.00} transfer fee from my available funds. At this point, it seems Robinhood is placing restrictions on customers looking to move business and/or attempting to lock up funds of users for an unknown/unethical reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-02-13 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Rent Recovery Solutions
State: MA

Complaint narrative:
They told me to send documents in proving that that collection is not mines.And once they receive that they will take it off my credit.It 's been like 3 years.They still has not taken it off my credit.They still keep calling me.They still keep bothering me and nothing has been done

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: TX

Complaint narrative:
I am submitting this dispute regarding late payment records on my credit report, which I strongly believe are incorrect and potentially linked to a data breach : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$0.00} These records do not reflect my actual payment history, yet despite my repeated efforts to correct themproviding documentation and following up diligentlyno changes have been made. This ongoing issue has hurt my credit standing and caused unnecessary frustration. 

The Fair Credit Reporting Act ( FCRA ) guarantees my right to an accurate credit report. Any incorrect, outdated, or misleading information should be updated or removed immediately. I urge you to take swift action to rectify these errors. 

Given the impact on my financial health, I ask that this issue be prioritized. I look forward to a timely resolution.

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 2025-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Credit Karma, LLC
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Scammers took hold on my account, changed my phone number on file and transferred {$5000.00} in two equal transactions out of my account with XXXX XXXX  Credit Karma There was {$87.00} fee. 
I have been a member with Credit Karma since XXXX. I have an electronic account that I use with them as checking I received an email notification that a transfer was made out of my account and immediately logged into my account. I saw the phone number on file was changed. I changed my password and the fraudulent number to prevent further transfers. 
I contacted Credit Karma to report the issues and was told an investigation would be launched. 

On XX/XX/XXXX, I received communication that my request my denied, that I authorized the transaction. 
This decision caught me off guard as i thought the bank would easily follow the follow the phone number that was used to defraud me of my money or that they would track the account where the money was deposited, both of which are not clearly mine. 
I look forward to your help so I can get my money back. 
I have attached a letter from Credit Karma and the addresses and phone numbers of the bank and Credit Karma. 

I requested a copy of documents used to the the determination but have not heard back from Credit Karma. 
At this moment all my bills are not paid and I look forward to your prompt attention to this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Karma Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXcreditkarma.com XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian has failed to fullfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a resonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumers-provide evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected or removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.

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 2025-02-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: WA

Complaint narrative:
NELNET loan servicer is utilizing collection tactics on a Dept of Education student loan that I did not benefit from nor apply for. The amount in controversy is more than {$30000.00} concerning the false claim that Plaintiff owes a student loan. Defendants false information pertains to a student loan that Plaintiff has no knowledge of. Whether the incorrect information is due to the fraud or mistake of persons other than Defendants is irrelevant. Defendants have sent statements to Plaintiff claiming that Plaintiff owes many thousands of dollars on a student loan that is unknown to Plaintiff. This is false information being published by the Defendants to third parties, including the credit reporting agencies. Plaintiff has complied with XXXX XXXX requirements by requesting that NELNET remove the incorrect information from the Plaintiffs credit report. Plaintiff asked for this relief, in writing, properly served with certified US Mail more than ninety days ago, and no such relief has materialized. I have retained a lawyer and handwriting forensic expert. The data supports that the loan was not taken by me. The loan was originated by fraudulent/forged means in XXXX time frame. NELNET began reporting and collection on such loan in XXXX, yet the loan was reported acquired, by me, in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am currently reviewing my Equifax credit report and there are addresses reporting on my credit report that are not mine. 
Below is a list of addresses that I would like to have permanently deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank
State: FL

Complaint narrative:
XX/XX/2024 i called 1st progress. I received an email saying I had a balance and if I didn't pay it would be a late fee. I called, guy reassured me the late fee would not exist once I made annual fee payment. I did and it got posted. Never received call back to know if it was waived or not... until I called XX/XX/XXXX and spoke with supervisor which I found out afterwards didn't take notes of what I requested nor called back. It's now XXXX. I called XX/XX/XXXX because I received a letter in mail with a XXXX $ balance. I requested a supervisor and she said she will contact me once it's looked into HOWEVER she still was asking for payment but why would I pay when ITS NOT MY FAULT CSR NOT DOING THEY JOB!? I payed annual fee and csr 's told me they would waive fee now it's XXXX late fees and they gon na ruin my credit when I'm not at fault. Basically I have to pay for others mistakes and not doing they job which is unfair. I asked for corporate number yet she said it's no number. It's no telling how many people 1st progress take advantage of

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-14 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: FL

Complaint narrative:
I am writing to bring to your attention a serious issue regarding my credit report. It has come to my notice that an account, which clearly belongs to someone else, is being mixed with my credit information. This is a significant error, and it is affecting the accuracy of my credit report. I have no association with this account, nor do I have any responsibility for it. The presence of this incorrect information on my report is damaging and entirely unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bounce AI, Inc.
State: AR

Complaint narrative:
Failure to delete inaccurate, Incomplete, or Invalid information such as date, Unverified Information in violation of FCRA 15 USC 1681i ( a ) 5 ( A ) Failure to provide notice of results of Reinvestigation in Violation of the FCRA 15 U.S.C 1681 ( a ) Ask about method of verification or certification and company could not provide.

Please remove accounts from my credit report. 


BOUNCE AI INC XXXX XXXX XXXXXX/XX/XXXX Balance {$3000.00} Status Collection account. {$3000.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$1800.00} XXXX XXXX  account. {$1800.00} past due as of XX/XX/XXXX.

Company response to consumer: Closed with explanation