vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: OH

Complaint narrative:
My credit karma account was frozen XXXX days in a row on XX/XX/XXXX and XX/XX/XXXX for absolutely no reason. There was no suspicious activity or fraudulent charges which I explained thoroughly. I sent in my identification information to verify it was me to which they unfrozen my account. I was then informed thatvthey switched my account number which was not consented or agreed to. When I explained the account was suppose to receive my tax return which was released by the irs on XX/XX/XXXX, they explained that they changed my account anyways and that the money might be put into the new account or would be rejected and sent back which is against the advance agreement I signed with the company when I filed my taxes. On the second day after unfreeze my account I learned after getting off the phone that they deactivated my debit card and my virtual card so that I could t access my money and the website stated that I would not receive my card until the XXXX of XXXX. I did not consent to any of these account changes nor the debit card deactivation and verified with them that there were no fraudulent charges on my account. They proceeded to change my account number a second time and could not confirm that I would get my funds. I signed a contract that allowed me a XXXX advance with a remainder of XXXX dollars remaining which was to be sent to my account after going into a holder account through credit karmas bank. They guaranteed a safe and secure process but have created barriers for me prevention g me from both accessing my account, losing my debit cards and also changed my account number potentially leading to further complications. They have not upheld their promise which was clear in their advance agreement. The call reference numbers are as followed XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My student loans were in federal XXXX forbearance, meaning no payments were required during that time. Despite this, late payments were reported incorrectly across multiple credit bureaus, damaging my credit score.

Additionally, my credit reports contain contradictory payment history : Some months show on-time payments, but the records also state " {$0.00} received '', proving no payment was actually made. 

This creates inconsistent and inaccurate reporting that negatively impacts my credit profile. 


I also suspect illegal reaging of my student loan account : The expected drop-off date was changed, extending the time this account will appear on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), this practice is illegal if done to make a delinquent account remain longer. 


Further issues include : Incorrect balances reported across different bureaus.

Scheduled payments & past-due amounts do not match reality.

TransUnions website prevents me from submitting disputes due to technical issues.

Experian timed out while uploading supporting documents, and now I can not attach proof to my dispute.

Equifax denied me access to a free credit report, even though I am disputing inaccurate information, which is a right under FCRA. 


I have contacted my loan servicer and the credit bureaus to dispute these errors, but they have not been corrected. I am requesting the Consumer Financial Protection Bureau ( CFPB ) to investigate these issues and ensure my reports reflect accurate information. 

Requested Resolution : Remove all incorrect late payments that occurred during XXXX forbearance. 

Correct payment history to reflect no payments were due during that period. 

Ensure accurate balance and payment reporting across all bureaus. 

Investigate suspected illegal reaging of my account and correct the drop-off date. 

Ensure I can access my free credit report to monitor and verify corrections. 


Thank you for your time and assistance in correcting these errors. 


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 2025-02-27 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
Account # XXXX Account Type Collection Agency/Attorney Creditor Type -- Account Rating Payment after charge off/collection Portfolio Type Collection Owner of Account Individual Original Creditor XXXX XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: TX

Complaint narrative:
Good evening, I XXXX XXXX is filing a dispute with world Corporation regarding false and inaccurate information regarding reporting incorrect dates and putting my account in a charge off status with the credit bureau in the month of XXXX year 2022 when I made a full pay off on XX/XX/year> I also have been calling speaking with the world finance customer service where they informed me from recorded calls the account was paid off on XXXX XXXX but it takes their system 30-45days to update payment although I paid in the beginning of XXXX I am in chare off status for month of XXXX with my credit bureau I demand that this information be updated immediately due to I have also filed a report with the better business bureau due to falsifying my account and inaccurate information I paid this account off on XXXX XXXX it states charge off however, that is inaccurate information for World Finance/ Corporation I have included my receipt and id along with my social security card, but this is very much inaccurate information that is being held on my account when it clearly states co for charge off for XX/XX/year> but I was delayed in XXXX due to more days of not making a payment XX/XX/year> but paid my account off on XX/XX/year> I need the information to be reflected on my credit report correct with pay off in XX/XX/year>. 
According to 15 U.S.C. 6801 Requires financial institutions to protect the privacy of their customers ' nonpublic personal information Requires the FTC, banking agencies, and other regulators to create regulations to ensure that financial institutions comply with this requirement 15 U.S.C. 6802 Requires financial institutions to comply with federal, state, and local laws, rules, and other legal requirements Requires financial institutions to comply with subpoenas, summons, and other authorized investigations Requires financial institutions to respond to judicial process and government regulatory authorities, I demand my information be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: OK

Complaint narrative:
I request your assistance in resolving an issue with TransUnion Consumer Solutions. I am concerned about their failure to properly address my dispute regarding an unauthorized hard inquiry on my credit report. 

On XX/XX/XXXX, I discovered a hard credit inquiry listed on my TransUnion Consumer Solutions credit report that I did not authorize. This unauthorized inquiry has negatively impacted my credit score.

I contacted TransUnion Consumer Solutions on XX/XX/XXXX, and again on XX/XX/XXXX, to dispute this unauthorized inquiry. Despite providing all necessary documentation, TransUnion Consumer Solutions failed to conduct a proper investigation and did not remove the inaccurate inquiry from my report.

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 2025-02-27 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: TX

Complaint narrative:
The 30 day late payment reporting for quicken loans is incorrect. This is falsely reporting. Im getting ready to file a lawsuit on this because this is affecting my score, ability to get a lower interest rate for future XXXX XXXX. I have requested documentation proving any late payments and never been provided this information. I just receive an updated credit report of no change. This is unfair practices on my report and if this isnt removed in 30 days and stay off my report Ill be filing a lawsuit and requesting funds for the stress and hardship this has 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 2025-02-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
The 30 day late payment reporting for quicken loans is incorrect. This is falsely reporting. Im getting ready to file a lawsuit on this because this is affecting my score, ability to get a lower interest rate for future XXXX XXXX. I have requested documentation proving any late payments and never been provided this information. I just receive an updated credit report of no change. This is unfair practices on my report and if this isnt removed in 30 days and stay off my report Ill be filing a lawsuit and requesting funds for the stress and hardship this has caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The 30 day late payment reporting for quicken loans is incorrect. This is falsely reporting. Im getting ready to file a lawsuit on this because this is affecting my score, ability to get a lower interest rate for future XXXX XXXX I have requested documentation proving any late payments and never been provided this information. I just receive an updated credit report of no change. This is unfair practices on my report and if this isnt removed in 30 days and stay off my report Ill be filing a lawsuit and requesting funds for the stress and hardship this has 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 non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Kikoff Inc.
State: MI

Complaint narrative:
I Have a charge off on my credit report Account : KikOff And havent received my 1099c form. And would like to get a copy of the 1099c form

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
YOUR COMPLAINT Navy federal credit card I filed a dispute transaction XX/XX/XXXX. The claim I was done properly and the representative entered diffrent transactions and said it was a mistake when I asked only for XXXX XXXX car to be disputed!! The claim got denied... I entered second review as what I called navy and they told me to do XX/XX/XXXX as the claim was entered again wrong amount only XXXX XXXX XXXX was to be disputed!!! Then on XX/XX/XXXXXXXX XXXX  times as you can see in the proof below the repesentive made a mistake on XXXX which she pointed out did it over again on the next claim that was done right after on the same day.. she apologized ... and now I'm waiting nothing this is damaging my credit I can't get nothing done I'm paying all this interest on charge that was fraud this isn't fair please investigate and publish this because I've met other persons who has problems with Navy federal and there disputes!!

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 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 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: TX

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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 2025-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
The synchrony Bank and Paypal stole money from my personal checking account which only contains XXXX direct deposit benefits which are exempt. They were stealing XXXX per month and this went on for no less than 2 years. They had no court order and did this while my access to Paypal Credit was blocked by paypal the Bank was taking the money from Paypal as the bank had no info to do this but the partaking in this makes this a crime. Conspiracy is a very serous charge in the stealing of protected money without a court order. 
Then They never took the amount they stole from my Paypal credit balance. Now they report this amount to the IRS and that is false reporting of money not owed and disputed. I will be contacting XXXX XXXX as this is wrong XXXX on a XXXX that is false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: GA

Complaint narrative:
I'm reaching out to address several concerns regarding my credit report, including inaccurate account, unauthorized inquiries, and inaccurate reporting.

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 2025-02-27 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Previously there where transactions not authorized on my XXXX acct as well as a crypto currency exchange defrauded me over a XXXX dollars in which was misleading leading

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 2025-02-27 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: FL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following Inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-02-27 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: KY

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2025-02-27 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief