vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FinCo Services Inc DBA Current
State: MI

Complaint narrative:
* * Subject : * * Urgent Complaint : Current Bank Withholding {$120000.00} in Funds After Account Closure Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding an unresolved and distressing issue with Current Bank, which has failed to release the remaining balance of * * \ {$120000.00} * * from my closed account, despite numerous attempts to resolve the matter. 

On or around XXXX XXXX XXXX, my employer, XXXX XXXX, XXXX, issued a payment of {$120000.00} to my Current Bank account via XXXX Shortly after the deposit, Current Bank closed my account for reasons that have never been clearly explained. At the time of closure, {$120000.00} remained in the account. 

Since then, I have made repeated efforts to access my funds. Attorneys representing me have also contacted the bank, but we have received no meaningful response or cooperation. Current Bank has stated that they intend to return the funds to my employer. However, XXXX XXXX, XXXX has communicated directly with the bank and confirmed that these funds rightfully belong to me. * * Despite this, the bank continues to insist on receiving a * * letter of indemnity * * from my employerwithout offering any legal or procedural justification for this requirement. XXXX XXXX has expressed confusion over this demand and does not understand why the funds are not being returned directly to me as the rightful recipient. 

As a single mother, the withholding of these funds has placed me under tremendous financial and emotional hardship. I am unable to meet essential expenses and have exhausted all reasonable avenues to resolve this directly with the bank. 

I respectfully request that the CFPB intervene and investigate Current Bank 's actions, compel them to release my funds, and provide a full explanation of their conduct. The banks refusal to release the funds, combined with a lack of transparency and responsiveness, has left me with no choice but to seek regulatory assistance. 

Thank you for your time and attention to this urgent matter. I am happy to provide any documentation or additional information needed to support my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: NC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX SSN : XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$2200.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XX/XX/XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XX/XX/XXXX XXXX # XXXX XX/XX/XXXX -- {$460.00} TU/EQ XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$12000.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} TU/EXP XX/XX/XXXX XXXX # XXXX XX/XX/XXXX -- {$10000.00} TU/EQ XX/XX/XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$1000.00} TU XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$3000.00} TU/EQ XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$2300.00} TU/EQ XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XX/XX/XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$1500.00} XXXX XX/XX/XXXX XXXX Bankruptcy Court # XXXX XX/XX/XXXX -- {$0.00} TU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} EXP XXXX XXXX XXXX XX/XX/XXXX XXXX {$0.00} EQ UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX  XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX TransUnion

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AES/PHEAA
State: TX

Complaint narrative:
Just need to pay off and lower interest rates and fees

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX TRANSUNION LLC CONSUMER Dispute Center, XXXX XXXX XXXX XXXXXXXX PA XXXX Subject : Dispute of Inaccurate Collection Reporting XXXX XXXX XXXX ( XXXX ) ACCOUNTS Dear ( TRANSUNION ) I am disputing ( XXXX XXXX XXXX ) on my credit report due to non -compliance with Metro 2 standards. 
This account is inaccurately reported as " OPEN ''. 
Under the Fair Credit Reporting Act ( FCRA ), all data must be accurate and verifiable .I request you : ( 1 ) Verify the account 's accuracy and Metro 2 compliance. 

( 2 ) Remove the account if it can not be verified. 

Drivers License number is XXXX Last four of social XXXX address is XXXXXXXX XXXX XXXX XXXX XXXXXXXX fl XXXX Please respond with the results within 30 days. 

Sincerley 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 non-monetary relief
Consumer complaint received 2025-05-25 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: NC

Complaint narrative:
XXXX XXXX continues to be on my credit file. I have disputed this information and account numerous times. I have provide the bureaus with documentation. This account is not serviced by the original holder. I was not provided no documentation. No assignment contract or information provided. The payments I made not reported in the history. Account information is inaccurate and violates the FCRA.

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 2025-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Oliphant United, Inc.
State: FL

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington , DC XXXX Subject : Formal Complaint Against Oliphant USA , LLC Excessive and Harassing Collection Calls To Whom It May Concern, I am writing to file a formal complaint against Oliphant USA , LLC regarding their ongoing and excessive collection practices, which I believe violate my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

Over the past two weeks, Oliphant USA , LLC has contacted me by phone more than 30 times, with 810 calls per day. This frequency and volume of communication are not only excessive but have also become harassing and disruptive to my daily life. 

They are attempting to collect a debt that I understand was charged off by the original creditor and subsequently sold to them. I dispute this debt and do not acknowledge any obligation to Oliphant USA , LLC. Despite this, they continue to place repeated calls to my personal phone number without providing written validation of the debt, which is also required under the FDCPA. 

I hereby request that Oliphant USA , LLC cease and desist all phone communication with me immediately. I am requesting that any further communication, if necessary, be conducted in writing only. Their current practices constitute a violation of my rights as a consumer and create a hostile and stressful environment. 

Please investigate this matter promptly. I have retained a log of the calls and am prepared to submit this documentation upon request. 

Thank you for your attention to this complaint. I trust that the CFPB will take appropriate steps to hold Oliphant USA , LLC accountable for its conduct. 

The blocked list is so long in the last two weeks I could not capture an entire screen shot but as you can see it gives a total number of calls and how many in 2 days

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Chime Financial Inc
State: NY

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX, XXXX, XXXX ] [ XXXX ] [ XXXX  ] * * Consumer Financial Protection Bureau * * XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX * * Via CFPB Online Complaint Portal : [ www.consumerfinance.gov/complaint ] * * * * Subject : * * Formal Dispute Regarding Inaccurate Credit Reporting by Chime Credit Builder Account Dear CFPB, I am submitting a formal complaint against Chime Financial ( Chime ) for inaccurately reporting my Credit Builder account to the major credit bureaus ( XXXX XXXX XXXX XXXX ) in violation of federal consumer protection laws. 

# # # * * Issue Summary * * - * * Account : * * Chime Credit Builder [ XXXX ], if known ) - * * Error : * * Chime has repeatedly reported the same * * {$57.00} balance * * every month since * * [ XXXX ] * *, despite no actual balance owed ( as the Credit Builder account is prepaid ). This misreporting artificially inflates my credit utilization and has negatively impacted my credit score. 
- * * Steps Taken : * * I contacted Chime customer service on * * [ XX/XX/2025 ] * * to dispute the error, but the issue persists. [ * If applicable, add : * Chime acknowledged the error but failed to correct it. ] # # # * * Violations of U.S. Law * * 1. * * Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ) * * - Chime, as a furnisher of credit data, is required to investigate disputed information and correct inaccuracies. Failure to do so violates 1681s-2 ( b ).

2. * * Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 * * - Chimes conduct constitutes an unfair practice by providing misleading information that harms my creditworthiness. 

3. * * Regulation V ( 12 CFR 1022.43 ) * * - Furnishers must maintain reasonable procedures to ensure accurate credit reporting and promptly correct errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices. This violates CFPA. Cash App failed to take measures to prevent and address fraud on their platform, which left my account vulnerable and unprotected. Their dispute resolution was deceptive and unfair, as they did not comply with resolution requirements under EFTA and Regular E. These actions caused inconvenience and financial loss and I seek the appropriate redress for the violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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:
XXXX closed my account and its now a charge off. They stated that I asked for a settlement and I didnt. I used the app to pay my monthly bill which they accepted and then they stated I asked for a settlement. This is false information. I had to call them 5 times and they stated they wont reopen the account and XXXX still waiting for the proof that I asked for a settlement. They also have that I only paid {$73.00} on XX/XX/2025 when I paid {$140.00}. Which I have my bank statement that shows the payment. 
I feel this information is tarnishing my credit and they now have a collection company after me. I have no problem paying them I do not want it marked as a charge off though being I never requested a settlement. They refuse to take payment over the phone in XXXX and this month cause they said my account is closed.

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 2025-05-25 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:
XXXX closed my account and its now a charge off. They stated that I asked for a settlement and I didnt. I used the app to pay my monthly bill which they accepted and then they stated I asked for a settlement. This is false information. I had to call them 5 times and they stated they wont reopen the account and Im still waiting for the proof that I asked for a settlement. They also have that I only paid {$73.00} on XX/XX/2025 when I paid {$140.00}. Which I have my bank statement that shows the payment.

I feel this information is tarnishing my credit and they now have a collection company after me. I have no problem paying them I do not want it marked as a charge off though being I never requested a settlement. They refuse to take payment over the phone in XXXX and this month cause they said my account is closed.

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 2025-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: LA

Complaint narrative:
I receive benefits because of a XXXX I previously had an account with chime chime has predictive pay. I changed my direct deposit to a local bank chase, but since chime has predictive pay, it is taking my direct deposit from my new account. Its not allowing my new account to Process my direct deposit because it has predictive pay so its processing it before my new Bank has a chance to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: CT

Complaint narrative:
Please remove fraudulent accounts and hard inquiries off my credit profile from Experian, Equifax, Trans union immediately! 

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 non-monetary relief
Consumer complaint received 2025-05-25 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: CT

Complaint narrative:
Please remove fraudulent accounts and hard inquiries off my credit profile from Experian, Equifax, Trans union immediately! 

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 2025-05-25 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:
XXXX XXXX XXXX is showing late payments but Ive never had a late payment with them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: GA

Complaint narrative:
I was affected by the several data breaches and is have been violated as consumer that knows their rights per 15 usc 1681g FCRA law. Due to the breach there are some fraudulent and unauthorized accounts and inquiries on my report and the credit bureaus should not be neglecting the accuracy and privacy of my report please remove the accounts attached the disputes asap

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 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AmeriHome Mortgage Company, LLC
State: FL

Complaint narrative:
I asked him to correct an update all lete payments

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 2025-05-25 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: LA

Complaint narrative:
I am so upset that I just discovered my information was compromised due being apart of several data breaches. This is a violation as consumer that knows their rights per 15 usc 1681g FCRA law. Due to the breach there are some fraudulent and unauthorized accounts and inquiries on my report and the credit bureaus should not be neglecting the accuracy and privacy of my report please remove the accounts attached the disputes asap

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 2025-05-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
I closed on a new home in XXXX of XXXX. At that time my loan company was XXXX. In XXXX of XXXX  my loan was transferred to Nationstar Mortgage LLC/ Mr. Cooper . 
After that transfer I was advised by Nationstar that my escrow account did not contain enough money and my monthly payment would increase approximately {$600.00}, from a payment of {$2400.00} to {$3000.00}. I made phone calls to both XXXX and Nationstar inquiring about the reason for the escrow shortage. I was told that my property taxes and/or my property homeowners insurance had increased, they had not. I made calls to my county in the state of Illinois and to my homeowners insurance company. 

County assessments are every 3 years in Illinois and county taxes had remained the same yet, Nationstar used XXXX to project my taxes going up to {$9000.00} in XXXX  and was using that projection to increase my payment without any basis in fact. I have been in touch with all parties repeatedly to challenge this and have received 2 additional notices steadily lowering my monthly payment. This tells me that someone doesn't know what they are doing and I no longer have confidence in this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: TX

Complaint narrative:
I did not authorize these inquiries on my report and I would like them to be removed before I have to take legal action 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 2025-05-25 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: IN

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

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 2025-05-25 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: IN

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

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