vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Chime Financial Inc
State: NJ

Complaint narrative:
I have been doing online checking with chime for over three years. The reason I chose them was due to receiving direct deposit up to two days earlier. With my current employer my actual payday is on a Thursday every other week but I always like clockwork it would be deposited on Wednesday between XXXX eastern time. There were a few times that it would post a few hours later like XXXX but I wouldnt worry because its always been consistent. If it would go past my normal time, I would check the website down detector to see if anyone else is having the same issue. Yesterday XX/XX/year> I began to see a lot of people complaining there DD was late. Once it got past XXXX I began to worry and called csr. I kept getting the same response. We dont hold deposits and we process it soon as we get it. They said to contact my employer. So now it began to go past XXXX and I still didnt receive my direct deposit. So I began to call back. I had agents say they are getting a supervisor and then they would leave me on hold and hang up. Then I had someone ask me for the amount and then told me the same thing the other two agents said. My last straw was this morning after calling five times with no one really assisting me but hanging up, someone said that it could be XXXX XXXX and if it dont receive in 3-5 days then they can escalate. I can tell that I was just being told anything. There wasnt any XXXX issues because then there would have been people at my job who also didnt receive there deposits. On down detector there were many customers complaining that they havent received there deposits so it shows an issue with Chime. This is bad customer service, and I have lost faith with Chime because this is my livelihood. All I could do is cry on the phone cause I had so many bills due set to come out, now some with late fees all because I am being lied to about my money. I have attached supporting documentation from my employer stating that it was sent the day I was supposed to receive it as paid. I was expecting two checks cause I received a bonus and now I have nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: IL

Complaint narrative:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit 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 2025-05-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: MO

Complaint narrative:
Company put account n my credit report XXXX m the ago for XXXX. Contacted company and requested debt validation and was not provided anything nor was my request to have debt removed from credit report granted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: NV

Complaint narrative:
Im writing to inform you that Ive fallen victim to a data breach, and fraudulent accounts have been added to my credit file. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I request that you block and remove the following accounts from my report within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3400.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} Inquiries XXXX XXXX Date : XX/XX/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 2025-05-22 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: IL

Complaint narrative:
To : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, SC XXXX Subject : Request for Removal of Inaccurate Accounts and Cease Collection Activity Dear XXXX XXXX XXXX, I am writing to formally dispute and request the removal of all accounts reported by your organization on my credit report due to significant inaccuracies. 

On XX/XX/year>, a motion was filed for wage garnishment in the amount of {$4700.00}. I have reviewed the accounts associated with this matter, which include the following : Account # XXXX with XXXX {$1000.00} Account # XXXX with XXXX XXXX XXXX {$1000.00} Account # XXXX with XXXX XXXX XXXX {$1100.00} These three accounts total {$3200.00}, which raises a serious concern : I have never held an account for {$4700.00}, nor do I have documentation showing how the remaining balance was calculated. This discrepancy has not been explained, and I am unclear as to whether these accounts were combined, inflated, or improperly represented. 

Although the {$4700.00} amount was paid in full, and XXXX XXXX by XXXX XXXX XXXX collection, I believe the manner in which this debt was reported is misleading and inaccurate. The lack of transparency around the debt total creates doubt about the validity and accuracy of the information reflected on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I am formally requesting that all derogatory remarks associated with these accounts and XXXX XXXX be removed from my credit file. Additionally, I request that all collection activity cease immediately, as the debt has been satisfied and the reported information appears inconsistent with the actual account balances. 

Please confirm in writing that these items have been removed and that no further action will be taken. If you require additional documentation or clarification, I am available at the contact information listed above. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
On XX/XX/XXXX, I drove nearly 2 hours to XXXX XXXX XXXX to return a lease of a XXXX XXXX XXXX and secure a new lease for a XXXX XXXX XXXX. After hours of negotiation, I asked the sales manager if I could decline the " add-on services '' to lower my payment. He told me I could not, as " each dealership has a suite of services that come with their vehicles. '' Overall, I was unhappy with my experience but signed the contract nonetheless. At that point, the dealer told me that I would have to return on another day to have one of those services ( XXXX  ) installed because they didn't have anyone available. So, not only was I required to pay extra for services I didn't want or need, I'd have to drive another 4 hours round trip to access them. 

After returning home and setting up my Honda Financial Services account, I was able to see the add-on services were, in fact, optional per section 17 of the contract. The dealer lied about this and I was not given the option to opt out of those services when I signed the contract. 

I have spent two days calling different Honda financial services and XXXX customer services lines attempting to resolve the issue. After making it through the automated menus successfully, two different customer service agents, XXXX and XXXX, both told me only the dealership could adjust my contract. It makes no sense for me to work with the dealer directly as they were the ones who lied to me about the contract. Because Honda Financial Services is my lessor and has the authority to adjust my contract, I would like them to resolve the issue. I asked to be transferred to a supervisor and was told there was no one available. I asked for alternative numbers to call and was provided the same number I had already called. I asked who handles dealer misconduct issues and they said that would be XXXX XXXX -- the same number I had already called previously. I called that number again anyway just to be sure and received the same runaround. 

I did speak with one helpful representative, XXXX. He shared more about how the call menu and escalation process happens. However, he did say best option is to have the dealer re-write the contract. The problem is the dealer has zero motivation to re-write a contract they will lose money on. I need to escalate dealer misconduct at XXXX XXXX XXXX and to have the contract issue addressed at once, but I have been unable to accomplish this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Someone has used my identity to purchase XXXX  ( XXXX ) service from XXXX XXXX. XXXX established that this service was provided to someone in XXXX, AZ. I have no connection to that area, and the email address associated with the account was unfamiliar. This account went unpaid, and I was notified that my credit score reflects that it is in collections. I was unable to resolve the dispute either by filing a dispute through TransUnion or by contacting XXXX directly.

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 2025-05-22 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: TX

Complaint narrative:
Due to identity theft resulting from a data breach, fraudulent accounts have impacted my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), please block and delete these items within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Due to identity theft resulting from a data breach, fraudulent accounts have impacted my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), please block and delete these items within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-05-22 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: IL

Complaint narrative:
Complaint to the CFPB XXXX XXXX ( Account ending in XXXX ) To Whom It May Concern : I am submitting this formal complaint regarding an account reported under the name XXXX XXXX, which appears on my credit reports with XXXX, Experian, and XXXX. This account does not belong to me, and I have no knowledge of having applied for, authorized, or opened any loan or account with this entity. 

Summary of the Issue : The account was allegedly opened in XX/XX/XXXX, with a monthly payment of {$100.00} and a reported balance of {$1600.00}. 

It is being reported as Negative across all three credit bureaus and shows multiple 30, 60, and 90-day late payments. 

The last reported activity was as recent as XX/XX/XXXX, and it continues to appear as open and active, despite being unrecognized and unauthorized. 

I did not apply for or authorize this account, and I believe it has been erroneously or wrongfully attributed to me. 

The fact that no dispute status is marked, and the data remains uncorrected, highlights a failure in the data verification and dispute prevention processes. 

Violations of Federal Law : 1. FCRA Fair Credit Reporting Act ( 15 U.S.C. 1681 ) : 1681e ( b ) : Failure to maintain maximum possible accuracy of the information furnished.

1681s-2 ( b ) : The furnisher failed to properly investigate and correct disputed or inaccurate information.

1681i : The credit bureaus did not delete or correct unverifiable or incorrect information in a timely manner.

2. TILA Truth in Lending Act ( 15 U.S.C. 1601 ) : The misrepresentation of account terms and the unauthorized reporting of delinquency violate transparency and proper disclosure requirements under TILA.

3. GLBA Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 ) : By distributing inaccurate personal and financial information to third parties without proper verification or authorization, the data furnishers and credit bureaus failed to safeguard the integrity and confidentiality of my data as required under GLBA.

Impact and Harm : This account has caused substantial damage to my credit profile and personal reputation. It is preventing me from accessing fair credit opportunities, and it has created emotional and financial distress by reflecting negative payment history on a loan I never applied for.

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 2025-05-22 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
Details of the Complaint : My name is XXXX XXXX, and I am writing to formally file a complaint against Goldman Sachs/Apple Card regarding the incorrect reporting of a {$65.00} delinquency to all three credit bureaus, which has had a devastating impact on my credit profile. 

Timeline of Events : On XX/XX/year>, I purchased XXXX iPhones for {$1000.00} each using my Apple Card ( totaling {$2100.00} ) as gifts for employees. 

On XX/XX/year>, I returned both iPhones and received a full refund. 

Apple/Goldman Sachs issued a credit of {$65.00}, which was deposited into my XXXX XXXX account as XXXX XXXX, and simultaneously adjusted my credit card balance by the same amount. 

Since the return, I have not used the Apple Card at all. 

In XX/XX/year>, I was shocked to discover a 60-day past due balance of {$65.00} was reported to all three credit bureaus ( XXXX XXXX XXXX  ) XXXX 

This report caused my credit score to drop from XXXX to XXXX overnight. 

I had no communication from Apple Card or Goldman Sachs about this alleged past due balance no email, no SMS, no push notifications, no phone calls. 

I had {$260.00} available in my Apple/Goldman Sachs XXXX account at the time enough to cover the full amount yet no automatic debit or payment was made, and no attempt to alert me occurred. 

I filed a dispute with Goldman Sachs, but they simply closed the case, claiming the reporting was correct without investigation. 

Why This Reporting Is Inaccurate and Unfair : This {$65.00} charge was not a legitimate purchase, but the result of a cashback adjustment/refund handling error. 

I had no intention of missing any payment. I was unaware of this minor balance because of systemic notification failure. 

I had available funds with Goldman Sachs that could have covered this amount with ease. 

I have had a perfect credit history for years, with a current total credit limit of {$170000.00} and no prior missed payments ever. 

The negative mark on my credit has already caused major complications in my ability to obtain or manage construction loans, which are a critical part of my business in the construction and development industry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: FL

Complaint narrative:
This letter is to demand the immediate removal of credit inquiries made without my knowledge or consent. These inquiries represent an unauthorized and fraudulent use of my personal information, and I will not accept them being tied to my name. 

Let me be perfectly clear : I did not initiate, authorize, or approve these credit inquiries in any form. They were made without my permission, and they do not reflect any action I took or intended to take.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to file a formal complaint regarding inaccurate loan accounts by XXXX and inaccurate credit reporting by TransUnion related to two former XXXX federal student loans. These loans are now serviced by XXXX and are currently in good standing, with no past due balance. 

Despite disputing this discrepancy twice directly with TransUnion ( on XX/XX/XXXX, and XX/XX/XXXX ), the two XXXX entries reflecting delinquency or default status still remain on my TransUnion credit report. This inaccurate reporting is negatively affecting my credit profile, despite the fact that : - The loans have been current and actively serviced by XXXX since XX/XX/XXXX. 

- The derogatory XXXX accounts were scheduled for removal in XX/XX/XXXX, per credit report documentation I received from TransUnion itself in XX/XX/XXXX. 

- XXXX and XXXX  have already removed or corrected the entries accordingly. 

This issue violates the Fair Credit Reporting Act ( FCRA ), which mandates that all credit information reported must be accurate and up to date. TransUnions continued reporting of these obsolete and incorrect entries is misleading and unjust. 

I am attaching the following documentation to support my claim : - A recent credit report showing TransUnion as the only agency still reporting the XXXX loans, and showing that these accounts were scheduled to be removed in XX/XX/XXXX. 

- Confirmation that the loans are now current and serviced by XXXX. 

- Prior dispute correspondence and mail to/from TransUnion on XX/XX/XXXX & XX/XX/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 2025-05-22 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: NY

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief