vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Selene Holdings LLC
State: MI

Complaint narrative:
On XX/XX/year>, I submitted a {$1100.00} mortgage payment to Selene Finance via XXXXXXXX XXXX online bill pay system. XXXX confirmed that the payment was sent electronically using Selenes established profile, with delivery scheduled by XX/XX/XXXX. However, Selene rejected the payment without notice or explanation. This was the first and only payment they have rejected ; all prior XXXX in totalwere accepted without issue from the same account, in similar amounts, using the same method. After receiving the rejection notice from XXXX, I submitted a second payment on XX/XX/XXXX for the same amount, which Selene accepted and processed by XX/XX/XXXX. 

There was no change in my payment method, bank account, or Selenes remittance address. The arbitrary rejection of a valid and timely payment appears to be part of a larger pattern of servicing misconduct by Selene, including misapplication of over {$16000.00} in payments, failure to cure delinquency despite sufficient funds, and inaccurate credit reporting. I am currently working with XXXX and the Michigan Department XXXX XXXX and XXXX XXXX to address related issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
I entered into a lease agreement with Acima on XX/XX/year>, under the belief that I was financing a watch for {$1700.00}. I was not clearly informed that I was signing a rental-purchase agreement. The representative who facilitated the transaction misrepresented the terms, never disclosed that the total cost would exceed {$3800.00}, and failed to explain that I would not automatically own the item. I was also not made aware of the 90-day early purchase option. I only discovered the full cost after seeing the official lease terms from Acima, and Ive been unable to reach the original seller. I believe this constitutes deceptive business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-17 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: AL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-06-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Credit Control, LLC
State: FL

Complaint narrative:
I asked them to specifically show where I owe XXXX XXXX I have yet to receive anything I dont owe them I traded in my old cellphone and the device was paid in full through trade in program.

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 2025-06-17 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:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX  Balance : {$230.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$950.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. 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 2025-06-17 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:
Today, I found incorrect information on my credit report, and I honestly dont know where it came from. I check my report often, but this time some accounts appeared out of nowhere. I tried refreshing my browser in case it was a display issue, but that didnt help. Thats why Im requesting a detailed check of the documents Ive sent, so I can finally feel at ease about this issue.

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 2025-06-17 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: FL

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-06-17 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:
This complaint serves as a formal follow-up to the complaint I submitted last month regarding the unauthorized and fraudulent use of my Social Security number and personal identifying information. This correspondence reiterates and reinforces my demand for the immediate removal of all accounts that were fraudulently opened in my name. 

These accounts were not authorized, opened, or consented to by me and are not reflective of any legitimate financial activity. Their continued presence on my credit report is both inaccurate and damaging. 

Legal Grounds for Immediate Deletion : Pursuant to the following federal laws and regulations, I demand the permanent deletion of all fraudulent data : 15 U.S. Code 1681c2 : I am exercising my right to request the removal of all information resulting from identity theft. You are obligated to comply with this request.

12 CFR Part 1022, Subpart H : You are legally required to delete fraudulent information from my credit file within four ( 4 ) business days of receiving notice.

15 U.S. Code 1681a ( 2 ) ( B ) : Any credit transaction involving the unauthorized use of a Social Security number must be excluded from any consumer report.

15 U.S. Code 1692j : Misrepresenting a debt or furnishing deceptive forms is a direct violation of federal law.

Demand for Immediate Action : Let me be absolutely clear : These accounts are fraudulent. 

Your continued reporting of them is reckless and potentially unlawful. 

I demand that all fraudulent accounts and inquiries be deleted from my credit file immediately. 

Any collection efforts tied to these accounts must cease and desist without delay. 

BELOW ARE THE ITEMS THAT NEEDS TO BE REMOVE ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Navient wrote and cashed a check for {$150.00} dated XX/XX/year> to my personal account without my approval. When I contacted Navient to inquire about this charge the representative was unable to give a reason, stating that this is an error on their behalf that is also affecting other borrowers, and I should call back at a later date to find out if the problem was identified. My loans were transferred to XXXX and I have had no contact with Navient since the transfer until this defrauding of my account occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Problem : Experian, XXXX XXXX XXXX, and XXXX XXXX XXXX are furnishing contradictory and unverified negative information. Experian lists duplicate bankruptcies ( same case number in multiple courts ) and conflicting versions of the same tradelines. XXXX XXXX was issued a 1099-A for the account in question. XXXX XXXX and XXXX both were issued 1099-C forms, legally discharging the debts, yet still report balances and delinquencies. Furthermore, XXXX  has properly complied and removed these items.

Key facts : Bankruptcy duplicates, filed XX/XX/year> & XX/XX/year>, ref. # XXXX & XXXX, appear three times each on Experian. 
XXXX XXXX acct. # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  shows Closed / {$65000.00} past due / 16 lates on Experian but Open / Current / 15 lates on XXXX. 
XXXX  acct. # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX shows two conflicting entries on Experian, one Closed / 0 lates, the other 60 Days Late / 2 lates.

Both creditors filed 1099-C forms ( confirmed via IRS transcript ) converting the debts to income. 
Why its illegal : 15 U.S.C. 1681e ( b ) requires maximum possible accuracy. 15 U.S.C. 1681s-2 ( a ) forbids a furnisher from reporting information it knows is inaccurate, especially after debt cancellation under 26 U.S.C. 6050P. Duplicate bankruptcies deceptively magnify derogatory impact.

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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Mercedes Benz Financial Services
State: GA

Complaint narrative:
Problem : Experian, Equity Prime Mortgage, and Mercedes-Benz Financial Services are furnishing contradictory and unverified negative information. Experian lists duplicate bankruptcies ( same case number in multiple courts ) and conflicting versions of the same tradelines. XXXX XXXX was issued a 1099-A for the account in question. XXXX XXXX and MBFS both were issued 1099-C forms, legally discharging the debts, yet still report balances and delinquencies. Furthermore, XXXX  has properly complied and removed these items. 
Key facts : Bankruptcy duplicates, filed XX/XX/year> & XX/XX/year>, ref. # XXXX & XXXX, appear XXXX times each on XXXX 
XXXX XXXX acct. # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  shows Closed / {$65000.00} past due / 16 lates on XXXX but Open / Current / 15 lates on XXXX 
MBFS acct. # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  shows XXXX conflicting entries on XXXX one Closed / 0 lates, the other 60 Days Late / 2 lates.

Both creditors filed 1099-C forms ( confirmed via IRS transcript XXXX converting the debts to income. 
Why its illegal : 15 U.S.C. 1681e ( b ) requires maximum possible accuracy. 15 U.S.C. 1681s-2 ( a ) forbids a furnisher from reporting information it knows is inaccurate, especially after debt cancellation under 26 U.S.C. 6050P. Duplicate bankruptcies deceptively magnify derogatory impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
This has been ongoing since XXXXXXXX XXXX XXXXXXXX. The date of the wire was XX/XX/XXXX. 
The original amount was {$20000.00}, they did give me XXXX, and I have made small transactions with my debit card, so I would even be happy with XXXX. 

They said, I had to wait, til the wire was posted, then it is one reason, after the another. Then finally, they closed my account, and put it in another account, until they decided what to do with it. So as far as I'm concerned that is theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MO

Complaint narrative:
My girlfriend and I were online looking to buy something for her for Mothers Day. During our online shopping, I stumbled upon an XXXX  from XXXX. ( XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XX/XX/2025 for {$55.00}. ) My girlfriend then found something similar on the website from the same seller, and we bought both. We received an email saying that the order was being processed and that the company would let us know when the product shipped out. Now, I paid for the XXXX XXXX with my Chime Card, and my girlfriend paid for her product with her XXXX debit card. As soon as we received the emails, my girlfriend and I both noticed that the website and email looked strange and somewhat fake. Given her experience working in fraud prevention at a local bank, my girlfriend was particularly alert to the numerous red flags. The website lacked a phone number and clickable links throughout. The format was incorrect. When she looked deeper, she realized we both just got scammed. She immediately called her bank, XXXX, and explained what happened. XXXX opened a dispute for her product, and I contacted Chime, which also opened a dispute for the XXXX. I waited for what felt like an eternity, as time seemed to drag on. I called here and there to check the status, and I was told that they were still reviewing the information. I was frustrated by this response because the very next day, my girlfriend received an email from XXXX stating that they had returned the money to her account, and we knew that website was fraudulent. Even with this information and the printout of all I had from the order, it was just not enough for Chime to give me my money back. There is no tracking number showing that it had been delivered because it wasnt. I never received the XXXX, and I would like my {$55.00} back asap. I will be looking forward to hearing back from someone. 



Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Hi my name is XXXX XXXX and I would like to file an complaint on TD Bank in XXXX Florida at XXXX XXXX XXXX XXXX. I had opened an account online so I was able to deposit a check I was expecting from XXXX XXXX for my XXXX XXXX account closure. On XXXXXXXX  I finally received the check and went to the bank to cash it but I was told I had to deposited it and it would be cleared the next day. Well they made {$100.00} for my use and I had to use it to get home. By XXXXXXXX XXXX my account says it's {$110.00} negative and they put a 6 days hold on my check. Now I already waited 6 months 5 days and 18 hours to receive this money because it was my income taxes and I lost my job recently. I would like to know if someone can look into this because it's not making sense on how my account was just opened and now it's negative and my check didn't clear like I was told and when I looked up the policy my check didn't reach the max limit to put a 6 days hold on it. I have very important bills that are due and I depended on that money and instead they are trying to rip me off for what little bits I have. I really would like assistance with this because I'm really no interested in banking with this bank. I'm truly upset because my utilities go off tomorrow and they played a game on me. The total amount that I used was {$120.00} it was {$100.00} available so my account should not be no more than {$24.00} and negative not XXXX and there should not have been a hold placed on my check.

Company response to consumer: Closed with non-monetary relief