vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: BSI Financial Holdings, Inc.
State: NC

Complaint narrative:
I am experiencing financial hardship and am seeking to temporarily reduce my mortgage payments for up to 3 years so that I can stay in my home with my XXXX  children while I work toward financial recovery. Despite multiple phone calls and attempts to inquire about this program, my requests have not been addressed. Ive consistently been offered a XXXX XXXX XXXX XXXX, which is not the solution I am requesting. I have been told by FHA representatives that servicers are required to implement the Payment Supplement Program no later than XX/XX/year>, and that I have the right to request this specific assistance option now. It is extremely concerning that representatives at BSI Financial have claimed they are unaware of this program or have dismissed my request entirely. This repeated behavior gives the impression that BSI is either unwilling or unprepared to offer this FHA-authorized relief option, despite my belief that I may fully qualify.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Nelnet, Inc.
State: FL

Complaint narrative:
My personal and financial data was compromised violating FERPA. I request full cancellation of my student loan debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Chime Financial Inc
State: GA

Complaint narrative:
** The times stated below are Eastern Standard Time On XX/XX/year> at XXXX and XXXX I made XXXX transfers from my Chime Savings account to my Chime Credit Builder account to cover a payment of {$840.00} to XXXX. ( a rent payment plan program ) {$840.00} at XXXX and {$10.00} at XXXX. I have XXXX set up to process payments automatically. At XXXX an automatic attempt was made to my XXXX XXXX card but was declined ( reasonably so, because I made the full balance available at XXXX ; the {$10.00} transfer ). After transferring my money I then proceeded to manually make my rent payment of {$840.00} in the XXXX  app at XXXX. It was declined. Funds of {$850.00} was transferred in total and this payment should have been successful but it was not. I then checked my account through the Chime app and the money was taken with no transactions stating where the money had gone. I then called Chime at XXXX to find out why my card was declined when the funds were available and why my transfer total of {$850.00} was no longer in any of my Chime accounts. The agent told me to wait XXXX hours for it to post. After waiting, I called Chime back because XXXX  had not received my payment, leaving my rent unpaid for the month of XXXX and the money in my account was no longer there with no form of proof of payment. I was then told to wait XXXX hours. I called back the next morning at XXXX inquiring where my money went because the merchant I intended to pay did not receive payment and my money was no longer in my account. After asking my name, last four of my social, the amount I transferred and the amount I paid to XXXX, I was told that the amount of {$840.00} was pending. I asked why I wasnt able to see it in my app, as this has never been a problem and was told that it would post soon. It never posted. Since then I have spoken to countless agents and have been given the run around because Chime has taken my money. I was told on a call on XX/XX/year> at XXXX that a ticket would be made to escalate the issue and that I would hear back in XXXX hours. I never received follow up and when I called Chime back they informed me that the ticket never existed. I was also told by an agent that my account does not have a pending transaction of {$840.00} from XXXX as a previous agent reassured me. There was even an agent who tried to tell me that I never transferred a total of {$850.00} from my Chime Savings to my Chime Credit Builder and when given timestamps I was hung up on. One agent escalated the issue via phone and I spoke to someone named XXXX in which she said she would escalate the issue as well. She gave me a ticket that did not exist when I called to check the status of it. The {$850.00} that was once in my account is no longer there and Chime has no records of me making any posted transactions to make it make sense.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-14 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: MD

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 explanation
Consumer complaint received 2025-04-14 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: TX

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: AMERICAN HONDA FINANCE CORP
State: NC

Complaint narrative:
Hi I have loan with Honda Financial services and I set up account on their portal to pay monthly auto payment from my bank account XXXX  XXXXHonda financial would post the payment in my bank account that I can see and week later it would reject i didn't know until XXXX XXXX down the road when they report to credit agency that I am not paying the payment.I call XXXX XXXX and Honda financial as well since I created payment on Honda financial platform so XXXX XXXX said there is nothing that they can do.So I ask XXXX XXXX but they didn't have any answer why the payment is rejecting all though I had sufficient balance all the time and they kept saying I am not making the payments, they can not even confirm what account number.After calling them multiple time I paid the account with debit card and created another auto payment transaction and now it's going through every month.But they have put big ding on my credit profile and they don't do anything about it the customer service don't even listen and says this what it is you didn't pay and that's why we report it but don't even look into issue was created by their online platform not being working properly and getting the payments from my bank account.And now that credit reporting it hurting me if I am doing any kind of laon.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: CO

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15. US. Code 168e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following item from my credit report, immediately. 

Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged 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 2025-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Huntington National has expressed they will be closing my accounts due to risk tolerance. They will not explain what the risk tolerance is, nor will they provide a date they are closing the account. The representative warned me that they may also freeze my account until the closure is finalized. This comes after they've repeatedly sent me offers to sign up for new checking accounts, savings accounts, and credit cards with their bank and comes after I have switched a majority of my primary banking to them. 

I am insulted to be treated like this as a customer, especially after you've essentially lured my money into your system. Now I have to spend time and money to correct the problems that this is causing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment 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 explanation
Consumer complaint received 2025-04-14 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: MS

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 
Account 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: PA

Complaint narrative:
I am writing to express serious concerns regarding several discrepancies I have identified in my credit report. Upon review, I discovered multiple inaccuracies, including incorrect account entries, unauthorized inquiries, inconsistent billing information, and accounts that do not belong to me. These errors are negatively affecting my financial stability, and I urgently seek your assistance in resolving them.

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 2025-04-14 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: PA

Complaint narrative:
I am writing to express serious concerns regarding several discrepancies I have identified in my credit report. Upon review, I discovered multiple inaccuracies, including incorrect account entries, unauthorized inquiries, inconsistent billing information, and accounts that do not belong to me. These errors are negatively affecting my financial stability, and I urgently seek your assistance in resolving them.

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 2025-04-14 00:00:00
Product: Mortgage — Conventional home 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: FL

Complaint narrative:
Loan was transferred to Mr Cooper. XXXX of XXXX received a letter stating property was in XXXX XXXX XXXXnd that flood insurance was required. XXXX shows property aXXXX XXXX XXXX XXXXnd not in a XXXX. I have sent documentation multiple times. They acknowledged the zone was wrong but then said XXXX of XXXX required it. My house was built in XXXX, and the ACT doesn't apply. XXXX which they listed won't even quote the insurance because property doesn't require it and we are not eligible per the ACT of XXXX. This has been going on since XX/XX/XXXX. I even received a letter they had received a copy of my flood insurance dated XX/XX/XXXX ( which I didn't obtain ) and then a letter again in XXXX showinXXXX XXXX XXXX the same original letter from XXXX and I had 45 days to obtain flood insurance. I have been working with our city office as there are many homeowners in the area with the same issue. I have called their customer service multiple times, emailed and still get the same response. I believe Mr Cooper Mortgage is getting a commission from XXXX of XXXX if the can get people to purchase insurance or they obtain it for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I was on the phone reporting fraudulent inquires to my reports. That was excessive and multiple un authorized inquiries. I called traunion to dispute inquires. They could not find my credit report. My report is hidden and I was told some one would call me back and never did.

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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-04-14 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
purchased a internet device from XXXX and paid for overnight shipping on XX/XX/year>. i have waisted about 2 months trying to get help from merchant and was unsuccessful. Paypal has received several calls from asking to verify the purchased in hopes i would not be able to provide evidence of the purchase of {$150.00}. card ending XXXX. When i enter the last 4 digits of this purchase indicating the card used i am told to call back. Its appears to be a strategy giving XXXX customerts a hard time who isnt able to have the financial regulators hold financial institutions accountable for infair business practices. It only creates a deeper problem for the company doing wrong by its loyal customers in the end. The purchase on the billing statement suggest this was a purchase from a physical store in Florida called XXXX  XXXX. This purchase was a internet modem and activation card from XXXX. The device does not match the disclosures to the actual purchase. Also, paypal has been dishonest about the purchase and so has XXXX  to avoid returning the money for a product that has deception involved aiming and helping with identity fraud by compromising a device to illegally monitor web activity. I raised the issue to paypal and as i am not receiving ethical service. All i have received was improperly closed accounts as if they were fraud when in fact, they were just one time use prepaid cards purchased for a specific purchase or item only ot because i didnt want to use my credit union for the transaction. This is unfair and the law states that merchants are not to sell faulty below standard merchandise to customers. Now this is being dragged out to dissolve all time efforts to confirm the deceiving ways customers money is taken for products that should not be sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Block, Inc.
State: FL

Complaint narrative:
Dear CFPB, XXXX XX/XX/year>, I received a direct deposit for my unemployment benefits. Within approximately XXXX minutes, the entire deposit was withdrawn by CashApp and Square Financial Services to repay a previously outstanding loan. 

At the time I borrowed the loan, I was employed ; however, I have since been laid off due to the economic downturn. These unemployment benefits are currently my only source of income to support my family. 

Since then, I have made daily attempts to follow up with CashApp/Square Financial Services , but have been unsuccessful in getting a resolution. I received a message stating that the issue would be resolved by XX/XX/year>, but as of XXXX XXXX, XXXX have still not received any resolution or response. 

I respectfully request your assistance in addressing this matter, as the withheld benefits are urgently needed for my household.

Company response to consumer: Closed with explanation