vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Chime Financial Inc
State: OK

Complaint narrative:
As of XX/XX/XXXX I initiated a transfer {$300.00} the remaining money in My Time account to my new account. The {$300.00} posted to my new account as of XX/XX/XXXX as of XX/XX/XXXX my chime account was closed XX/XX/XXXX my do make account returned the {$300.00} check saying that there was insufficient funds I know that there was {$300.00} in that account and that I needed to get it out into a different account because of it closing not only that but I had a statement from chime saying that there was {$300.00} and then it was transfer that. I contacted chime three times over the phone the last time they hung up on me and said that there is nothing they could do to contact my other bank my other bank can not verify the funds that were there they won't provide me an email address I can't get a hold of time whatsoever so I have {$300.00} in limbo

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: TN

Complaint narrative:
My credit report reflects late payment entries that I believe to be inaccurate. As per my rights under 15 USC 1681e ( b ) and 15 USC 1681i, I kindly request that these entries undergo verification. Should they remain unverified, I ask that they be promptly corrected or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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 was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-04-29 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: TX

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: GOLDMAN SACHS BANK USA
State: NV

Complaint narrative:
I contacted Goldman Sachs regarding my Apple Card account to request hardship assistance due to financial challenges. I specifically asked if they could offer a 0 % interest plan, or at least a reduced-interest repayment option, to help me pay down my balance faster and avoid additional financial hardship. 

Despite explaining my situation and commitment to full repayment, I was told that no such programs were available unless I was active military, which seems inconsistent and unfair, especially since I know of other non-military Apple Cardholders recently approved for temporary 0 % repayment plans. 

I am requesting a formal review of my account for hardship accommodation, including the option for reduced or 0 % interest to support responsible repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: NAVY FEDERAL CREDIT UNION
State: WI

Complaint narrative:
I am writing to formally request your assistance in requesting a reconsideration of the denial of my recent fraud claim. 

On XX/XX/year>, I received a call on my personal cellphone from an individual impersonating a Navy Federal Credit Union representative. They informed me that fraud activity had been detected on my account, specifically a {$4900.00} cash advance attempt. I confirmed that I did not authorize such a transaction. The impersonator stated they would help stop the transaction but explained that I needed to cooperate through their third-party XXXX XXXX vendor to reclaim the funds. 

While on the call, I realized the impersonators were actively accessing and adjusting my NFCU checking, savings, and credit card accounts online. During this time, NFCU attempted to call me directly, but the impersonators urged me to stay on the line with them and assured me everything would be resolved. Under the stress, confusion, and urgency of the situation, I followed the impersonators instructions. 

On XX/XX/year>, I immediately contacted XXXX XXXX to cancel the transactions. You can review this in the uploaded screenshots. I also filed a claim to dispute the fraudulent transactions, which was initially denied. However, on XX/XX/year>, XXXX XXXX sent me an email stating that they had not denied my claim. For your reference, my XXXX XXXX fraud claim number is XXXX. 

On XX/XX/year>, I received another call from an NFCU impersonator. This time, I was able to record the phone call and quickly identify the scam. 

Additionally, after I contacted NFCU on XX/XX/year>, there were further unauthorized attempts to charge transactions to my previous NFCU debit card, reinforcing that my account information had been compromised. 

Given the above circumstances the impersonation of NFCU, unauthorized access to my accounts, continuation of fraudulent activity even after my initial report, and supporting evidence from XXXX XXXX I respectfully request that they reconsider the outcome of my fraud claim. I trusted that I was communicating with NFCU representatives, and I acted in good faith under extraordinary deception and pressure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: CA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: PA

Complaint narrative:
My information was used in a recent XXXX XXXX and Trans Union is refusing to remove negative items that was apart of the breach. No credit Reporting agency can determine the accuracy of an account that was apart of the XXXX XXXX. 

XXXX XXXX Trans Union XXXX LLC ( XXXX ) credit reporting agencies can be held liable for failing to correct inaccuracies XXXX XXXX XXXX  ( XXXX ) damages can be rewarded for failing to remove a charge-off after being informed it was inaccurate XXXX XXXX Trans Union XXXX XXXX ) Credit reporting agency failed to conduct a reasonable investigation

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 2025-04-29 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent account on my report. Please remove this account from my report, they are hurting my ability to obtain credit.

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 2025-04-29 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:
Subject : Second Urgent Request for Immediate Deletion of Unauthorized Account - XXXX Bank account XXXX - Failure to Comply with Previous Dispute

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 2025-04-29 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: Cascade CISS Holdings, LLC
State: GA

Complaint narrative:
Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Washington XXXX DC XXXX Re : Unauthorized Credit Inquiries Dear Sir/Madam, I am writing to formally file a complaint regarding several unauthorized credit inquiries that have appeared on my credit report. These inquiries were made without my knowledge or consent, and I have not applied for credit with the companies listed below. 

The following is a list of the companies and dates associated with these unauthorized inquiries : XXXX XX/XX/XXXX XXXXX XXXX XXXX XXXX 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 I have not applied for or authorized any credit or financial services with these companies. As these inquiries were made without my consent, I believe they may be fraudulent or the result of a clerical error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: FL

Complaint narrative:
Starting in XXXX  I was a victim of severe identity theft. My information was sold on the XXXX XXXX and my life became a living nightmare. The offenders opened tons of accounts in my names, destroyed my credit. Recently I have begun to put my life back together. Experian refuses to remove the fraudulent accounts and months and months of disputes. They have refused to remove the fraudulent addresses and names. Only if I ipgrade and pay is this an option. There are active police investigations into this case at a local and state level due to the extent of damage done to my life. Its so disturbing that Experian and others would allow a victim to be victimized again. I have had this same issue with XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX  and XXXX mail. Its shameful this is the practice of business to report on credit reports the FALSE reports of identity theft victims.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: FL

Complaint narrative:
Starting in XXXX  I was a victim of severe identity theft. My information was sold on the XXXX XXXX and my life became a living nightmare. The offenders opened tons of accounts in my names, destroyed my credit. Recently I have begun to put my life back together. Experian refuses to remove the fraudulent accounts and months and months of disputes. They have refused to remove the fraudulent addresses and names. Only if I ipgrade and pay is this an option. There are active police investigations into this case at a local and state level due to the extent of damage done to my life. Its so disturbing that Experian and others would allow a victim to be victimized again. I have had this same issue with XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX  and XXXX mail. Its shameful this is the practice of business to report on credit reports the FALSE reports of identity theft victims.

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 2025-04-29 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, OH XXXX XXXX ( XXXX ) XXXX XX/XX/year> Experian XXXX XXXXXXXX XXXX, XXXX, TX XXXX Subject : Urgent Request for Immediate Removal of Fraudulent Accounts Due to Identity Theft To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of fraudulent accounts from my credit report. These accounts were opened or used without my authorization as a result of identity theft. 

I have attached a copy of my Federal Trade Commission ( FTC ) identity theft report as supporting evidence. 

The following accounts must be removed immediately : XXXX XXXX XXXX Date opened XXXX Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these accounts be permanently removed from my credit file with no delays. These accounts are fraudulent, and I am not responsible for any activity associated with them. 

Enclosed Documents : XXXX. FTC Identity Theft Report XXXX. Copy of my government-issued This matter is urgent, and I expect a prompt resolution. If these fraudulent accounts are not removed immediately, I will escalate this matter with the Consumer Financial Protection Bureau ( CFPB ) and pursue further legal action if necessary. 

Please send a written confirmation once these accounts have been removed. If you refuse to remove them, provide a detailed explanation of your investigation and the evidence used to verify these accounts. 

Thank you for your immediate attention to this matter. 

I can be reached at the contact information above if further clarification is needed. 


Sincerely, 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 2025-04-29 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: MS

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-04-29 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: MS

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Klarna AB
State: GA

Complaint narrative:
So I went to klarna and was told through their app that I wad approved for up to {$200.00}. And they have an option to deposit money in to your klarna account to cover purchases. Kinda a safety. No problem I added $ XXXX went to make a temp card for {$100.00} and was denied. Now they already had my {$100.00} deposited but I was denied the ability to spend {$100.00} and pay from that account over XXXX weeks. Customer service is useless I said I just want my money back but I was told they don't do withdrawals I said I don't want a withdrawal I want a refund and it's non refundable. It's been a whole maybe hour and half right now since I deposited that money but I can't have it back and I can't even get approved to spend the money. How is this not a blatant scam. I was told it was my XXXX XXXX that's the reason I can only get {$50.00}. But in the image that's not what that says. And on the where to pay from page there isn't even an option to use the available balance so purchasing some thing means the money o deposited still isn't being sent. Using my own money should not be that difficult so I just want my money back, {$100.00}. There is no legit reason they can't send the money back, sending money is literally their entire business model. They know I haven't spent any money since they won't let me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: OK

Complaint narrative:
This complaint is submitted against TransUnion LLC for multiple violations of the Fair Credit Reporting Act ( FCRA ), related to their mishandling of an active dispute involving an inaccurate medical collection account reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 

Summary of Events : On XX/XX/year>, I submitted a formal dispute through XXXX XXXX online dispute center regarding a collection tradeline that XXXX XXXX had already agreed to delete via a separate CFPB complaint. XXXX own system ( as well as XXXX XXXX ) confirms that my dispute was submitted on XX/XX/year>, with an estimated completion date of XX/XX/year>. 

However, during a Live Chat with a TransUnion agent on XX/XX/year>, I was told the dispute was filed on XX/XX/year>, and the new resolution deadline was XX/XX/year>. I have saved screenshots of both this agent conversation and XXXX own portal showing the actual dispute date of XX/XX/XXXX. 

This discrepancy constitutes a serious violation of the FCRA and is likely a deliberate attempt to extend the investigation period unlawfully. 

Violations of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) TransUnion has re-aged the dispute by incorrectly stating that it was filed on XX/XX/XXXX instead of the true XX/XX/XXXX filing date. Under the FCRA, they must complete investigations within 30 days of the original dispute date. They are using the false XX/XX/XXXX date to delay their legal obligations. 

15 U.S.C. 1681e ( b ) TransUnion has failed to ensure the accuracy of consumer file information by reporting false timelines and misleading dispute progress tracking. 

15 U.S.C. 1681s-2 ( b ) XXXX XXXX had previously notified the CFPB that they would delete this account. TransUnion has failed to act on that deletion request or reflect it in the consumer 's report in a timely manner, which violates their responsibilities as a CRA.

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 2025-04-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC
State: FL

Complaint narrative:
Misrepresentation and Lack of Informed Consent Loan with GoodLeap On XX/XX/year>, representatives from XXXX XXXX XXXX came to our home in XXXX, FL to offer a water purification system. My partner XXXX XXXX XXXX ) and I ( XXXX XXXX ) were asked to sign electronic paperwork, which we understood to be related to product installationnot a XXXX personal loan. 

We were never informed of the loan terms, XXXX ( 11.99 % ), total cost ( {$15000.00} ), or monthly payments ( {$84.00} ). We never received a physical or digital copy of the loan agreement before or immediately after signing, nor were we given an opportunity to review or decline the loan terms. 

I was also listed as a co-signer on the loan without fully understanding or authorizing that role. We were not aware the documents were tied to a loan application with XXXX. 

XXXX has now funded the loan and provided a welcome letter weeks later, well past the cancellation period. We feel that this loan was created under misrepresentation, lack of informed consent, and without proper financial disclosures, violating the Truth in Lending Act ( XXXX  ) and potentially the Fair Credit Reporting Act ( XXXX  ). 

We request that this loan be reviewed, canceled, and removed from our records. We are also filing a related complaint with the Florida Attorney XXXX XXXX.

Company response to consumer: Closed with explanation