vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-28 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: MOHELA
State: MD

Complaint narrative:
A student loan from XXXX is reporting on my credit under the name MOHELA. This loan is tied to XXXX XXXX, a known fraudulent for-profit school that was shut down by the U.S. Department of Education for deceptive practices. I never enrolled in this school, never received funds or services from them, and did not authorize this loan. I believe this loan was opened as a result of identity theft and my data being exposed in the XXXXXXXX XXXX  breach. 

The loan is reported under multiple bureaus with inconsistent information, including different account numbers, unclear terms, and no repayment history. I submitted a formal FTC Identity Theft Report and mailed dispute letters requesting full validation including a signed application, promissory note, or any legal proof I agreed to this debt. I received no response and no documentation proving the debt is legitimate or mine. 

Reporting this loan without proof is a violation of the Fair Credit Reporting Act. It is harming my credit and causing emotional and financial stress. Im requesting permanent deletion of this MOHELAXXXX account from all credit reports and confirmation in writing. 

XXXX College, the school tied to this loan, was shut down for fraud as part of XXXX Colleges. In XX/XX/XXXX, the U.S. Department of Education announced full loan forgiveness for all borrowers who attended these schools. The CFPB also sued XXXX Colleges for deceptive and illegal practices. I have attached supporting documents and links showing this fraud. This loan is not valid and must be permanently deleted. 

U.S. Department of Education Announcement Link : XXXX XXXX XXXX  Title : Information About Debt Relief for XXXX Colleges Students Section explaining automatic loan cancellation due to fraud CFPB Lawsuit Against XXXX  Colleges Link : https : //www.consumerfinance.gov/enforcement/payments-harmed-consumers/payments-by-case/corinthian-colleges/ XXXX College shut down for fraud $ XXXX student loan cancellation for XXXX students

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: NV

Complaint narrative:
Yesterday, XX/XX/year>, I received a letter from CCS-USA, ( Credit Collections Services ) , stating that I owed XXXX XXXX {$300.00}. I called CCS today, XX/XX/year> and they stated that my account is on hold, they are gathering more information and will report my balance has a default and then contact me in XXXX days, the lady then went on to state that she can't help me anymore, then hung up. 

I called XXXX XXXX, I spoke to XXXX XXXX on XX/XX/year> between XXXXXXXX XXXX they informed me that the bill was satisfied back in XXXX, they emailed me a letter stating that my account is not past due. 

I called CCS back, spoke to another woman who was way more stern and rude, she stated the same thing, then stated that if I called again, they would add to what I owe. 

The bill that I owed, is paid in full, it has been satisfied, I made that payment back in XXXX. 

CCS trying to get money from me is beyond ridiculous, it's also absurd that they will not answer any questions. They are threatening to ruin my credit report, I have never been late, and never gone to collections as well.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: ACIMA CREDIT, LLC
State: TN

Complaint narrative:
XX/XX/year> there was three inquires did on me by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Citi Best Buy Credit Card is refusing to apply my refund from my cancelled Best Buy purchase with Order Number : XXXX to my credit card balance. This is my second complaint, and i attached their prior response to the complaint to this and my response to it that they never took action on. 

This purchase was made on XX/XX/year>, and the package never arrived and no proof of delivery was left. I contacted Best Buy customer service on XX/XX/year> and opened Case ID XXXX. Upon investigation and filing for theft, On XX/XX/year>, Best Buy confirmed my refund via email. My Best Buy account showed the refund credit was applied but listed as " pending ''. 

I stopped checking my account after this, and since the purchase was a promotional 6-month to pay timeline, I did not realize the Citi Best Buy credit card never reflected my refund until months later. I tried contacting support but was continuously forced to pay.

When i was able to reach Citi best buy department, they claimed they can not verify the return and asked me to prove it.

This has taken way too long and this is the second time i am filing this complain before taking legal action and reporting this incident widely online.

This is also hurting my credit score! 

Initial complaint closed by the company without any resolution : 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 2025-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Holloway Credit Solutions
State: AL

Complaint narrative:
To Whom It May Concern, This letter is a formal follow-up and renewed dispute regarding a debt that Holloway Credit Solutions is attempting to collect and has reported to the credit bureaus. 

You recently responded to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ), stating that documents were mailed to me including a breakdown of charges, an agreement to pay fees, and a copy of my drivers license. I have not received any of these documents, and you have not provided proof of delivery. 

Even if such documents were sent, your response does not meet the legal requirements for full debt validation under the Fair Debt Collection Practices Act ( FDCPA ) or the Fair Credit Reporting Act ( FCRA ). Specifically, I requested the following : A complete and accurate itemization of the debt, including original account number and creditor ; A chain of title or assignment clearly showing your legal right to collect on behalf of the original creditor ; Validation that the account is being reported in full Metro 2 compliance, including correct account status, last payment date, and payment history ; Documentation directly from the original creditor, not just your internal files.

Without these records, this debt remains unverified and is being reported in violation of the FDCPA, FCRA, and Metro 2 reporting standards. 

Accordingly, I now demand that you : XXXX. Cease all collection activity on this account ; XXXX. Delete the account from all credit bureaus ( XXXX XXXX and XXXX  ) immediately ; XXXX. Refrain from further communication unless you are providing full and proper documentation as outlined above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: CA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XX/XX/XXXX I deposited a annuity check for my father. It was a mobile deposit. They released the hold on XX/XX/XXXX. Money was not in my account. I called the bank and they said we needed to have a release form notarized or come in and fill it out. My dad was in XXXX XXXX  he had a XXXX then a XXXX XXXX and the a XXXX put in. On XXXX  XX/XX/XXXX my father and I went to the bank XXXX they branch manager took our IDs and we filled out the release form. I asked when my money would be released and he said a couple hours worse case scenario XXXX XXXX. XXXX came no money. I called XXXX and he backtracked and said I don't know what to tell you. I called the XXXX number and talked to a XXXX and she said according to what is noted in my account my funds should be released on XXXX  because XXXX  was a holiday. Today is XXXX  and still XXXX  money. I called the bank and XXXX could not XXXX  to me. I called the XXXX and talked to a nice lady named XXXX she put me on hold and called the Account Relations department and said I has not been released because XXXX did not notated on my account. I called the bank back and XXXX was not available and XXXX was trying to help me. I informed her of the situation and told her I even dropped off papers to show that the annuity account was not new and it haf been established and also gave them the letter from the annuity company where the check is marked as cased on the XXXX of XXXX. Now even she won't call me back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Transunion has denied me access to my credit report for over a year. The customer support numbers are either not in service or you are placed on hold for over two hours. Transunion is reporting fraudulent information including contact number but I can not get them to remove or allow me to dispute anything.

Experian continually reports inaccurate information. All previous disputes have been completed in minutes and found to be accurate including fraudulent inquiries.... how?

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 2025-05-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
exeter financial has committed fraud to my person this company should be investigate for holding a gap refund that is belong to me {$910.00} exeter was paid in full and on the contract the was a gap insurance I purchase so went the car was paid in full Exeter financial still from me {$910.00} sent they refusing to refund me the money since I have the car for only 2 month the total of the gap insurance was {$1000.00} Exeter financial has been hod this founds for almost 3 months using my money I call this company several time and they are not respond with my refund the account number is # XXXX total amounts the receipt was XXXX they are paid in full and now I still waiting for my refund since 3 months this company is a scam please help me today I spoke with XXXX supervisor listed by XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: TX

Complaint narrative:
In the complaint, you reported that a debit purchase of {$2100.00} was made to Remitly on XX/XX/year>, using your debit card ending in XXXX. You stated that you did not authorize this transaction, as you do not have a Remitly account, and you immediately reached out to report the issue. We issued Case # XXXX in response. 

We acknowledge how challenging and frustrating this situation must be for you, and we want to assure you that we have conducted a thorough review of your cases. 

Upon investigation, we found that the transaction was processed successfully and the funds were deposited. On the day you contacted us, we advised you to reach out to your bank to initiate a dispute, as this is the most effective course of action in such cases. While we also engaged our provider bank to explore the possibility of recovering the funds, we were informed that a reversal is not possible. 

As a precaution, we deactivated the profile where your debit card was used. At this time, we are unable to process a refund directly. We kindly ask that you contact your bank to file a formal chargeback. The process is as follows : -Once you initiate the chargeback, your bank will forward it to Remitly.

-Upon receipt, we return the disputed amount to your bank, which may provisionally credit your account during the investigation.

-If the chargeback is deemed valid, the funds will remain with you. If not, we will work with you and your bank to determine the appropriate next steps.

We understand that this may not be the response you were hoping for, and we truly regret the inconvenience and frustration this situation has caused.

Again, we truly appreciate the time you have taken to address this matter with us. Our company always looks for ways to improve its service and feedback such as yours is invaluable. Please feel free to contact us again if we can be of any further assistance. Customer Service can be reached 24 hours a day, seven days a week at ( XXXX ) XXXX. 

Thank you. 

Remitly , Inc .

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Mortgage — Conventional home 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: Selene Holdings LLC
State: SC

Complaint narrative:
This is in addition to my complaint XXXX SUBMITTED ON XX/XX/XXXX  On XX/XX/XXXX  I called to ask for the total payoff figure and the payment amount total that would bring loan current. I was told that it would be emailed to me in 72 hours. Never happened! On XX/XX/XXXX  I called again and was told that my request on the XXXX had been deleted! When I asked why, I was told it was because the request was not made by the person on the loan. Unbelievable! The person on the loan is my deceased Mother and permission is in their file to interact with me, as the inheritor of the property. I asked to speak with XXXX XXXX, in the XXXXoan Resolution Department. I had received a letter in XXXX from her, stating she was assigned as the single point of contact for the account and contact her with any questions. No extension number given and only the Selene phone number. I called again and asked to be connected to XXXX XXXX, only to be asked by the representative several stupid, unnecessary questions such as is there any damage to the property. When I put an end to the questions and re-emphasized my request to speak to XXXX XXXX, I was told she wasnt available but the representative would put in a call-back request. This company is incompetent and impossible to deal with. Selene Finance is the only point of contact, representing the note holder, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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:
Hello, I would like to place a fraud alert on my credit due to suspected identity theft or unauthorized activity on my credit report. I believe my personal information may have been compromised. 

Please advise on the next steps I need to take to file a formal fraud alert and protect my credit. I would also appreciate information about how to obtain a free credit report and how to file a dispute for any inaccurate information. 

Thank you for your assistance.

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 2025-05-28 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: TX

Complaint narrative:
Hello, I would like to place a fraud alert on my credit due to suspected identity theft or unauthorized activity on my credit report. I believe my personal information may have been compromised. 

Please advise on the next steps I need to take to file a formal fraud alert and protect my credit. I would also appreciate information about how to obtain a free credit report and how to file a dispute for any inaccurate information. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC.
State: AR

Complaint narrative:
I received a mortgage on or about XX/XX/year>. I made payments in the amount of : XXXX XXXX {$4200.00} ( additional XXXX principle paid ) XXXX - {$4200.00} ( additional XXXX principle paid ) XXXX - XXXX ( additional XXXX principle paid ) XXXX - XXXX ( additional XXXX principle paid ) total Payments - XXXX Total meant for additional principle - XXXX Can you please verify this information? 

Thank you, XXXXXXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: CA

Complaint narrative:
I am requesting deletion of fraudulent accounts that appeared due to a breach of my personal data. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and remove them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$310.00}

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 2025-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
Account XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, pleasse provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account XXXX XXXXXXXX as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: CA

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief