vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Biehl & Biehl, Inc
State: FL

Complaint narrative:
I received a call from XXXX XXXX XXXX with Biehl and Biehl, at first he did not identify himself and said he was with a different company. he stated I owe a debt I ask what the name was he stated XXXX XXXX, I asked the phone number he gave XXXX, i said that is not my name or my phone, he said I signed the application for my restaurant and did not pay the bill, he demanded me to pay and said it was me. to Order was delivered to XXXX XXXX XXXX XXXX FL. this is not me and I owe nothing. Please have him stop contacting and assuming it is me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
What a disgusting experience today was. The XXXX become victims at the hand of those who say they will " protect '' them. Can't access my own account.... but someone else can? Fraud on my account and XXXX  help from XXXXExperian. Sent me to person after person ... wrong dept after wrong dept. Wouldn't answer my questions, refused to provide info, sent me to the next and the next and the next. Its fraud, no its membership, no its a dispute, no go back to membership..... nothing, nothing, nothing. XXXX agents, lied about their names, won't identify themself so you have no comeback.... '' XXXX  '' became " XXXX  '' No answers on phone calls, you only get XXXX  and only XXXX  responses.... I'm about XXXX hours into the process and nothing yet - no help whatsoever. Experian should loose their license. Someone has changed my info on my account and I can do XXXX  about its. XXXX. Fraud and no help .............. just pathetic and in reality abuse of my emotions.

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 2025-11-18 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: CA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Every month I receive a refund for benefits from my employer. It is not a payroll check. I deposited a check from the XXXX for {$780.00} on XX/XX/XXXX. Upon depositing to my Bank of America checking account, I did not get a message at the ATM and assumed the funds would be available the next business day as they've always been for the last 3 years I have deposited this monthly check, except for once, earlier this year. I looked at my mobile banking app transactions field, and I saw the deposit, and that the funds would be available on XX/XX/XXXX. Not a problem at this point. Come Monday XX/XX/XXXX, there was a message that the funds wouldn't be available until XX/XX/XXXX. Now this is a problem. They are putting a hold on a check that I have deposited regularly for the past XXXX years without ever an issue with the check ( It is drawn from a USPS bank ). This is not a payroll check. I am never overdrawn, except for this morning when I was expecting them not to hoard my money, so I moved money from another account to keep the balance above XXXX. I contacted the accounting department of my emplyer and they said that Bank of America already has the money.

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 2025-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Finance Company, Inc.
State: FL

Complaint narrative:
I am disputing this account because I never received any validation letter or written notice regarding this alleged debt. Under the FDCPA, I am entitled to receive written notice with the amount of the debt, the name of the creditor, and my 30-day right to dispute. I did not receive any such notice. If your company believes a notice was sent, please consider this message my formal dispute request, and I am requesting full validation of this account. Until proper validation is provided, all collection activity must cease.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-11-18 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: MI

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-11-18 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: NJ

Complaint narrative:
Bank errors in billing and reporting are actively harming my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors are legally required to ensure that all payments and credits are accurately reflected. However, multiple issues have occurred : payments I made were not properly recorded, and there are clear calculation errors in the reported amounts. On top of that, I did not receive the required 21-day notice before the payment due date, which makes any late payment marks invalid. These inaccuracies constitute a direct violation of federal law and unfairly damage my credit standing.

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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute the following charged-off accounts on my credit report with TransUnion. The details of the accounts are provided below : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5900.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6200.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4600.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} INQUIRIES : XXXX  Date : XX/XX/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 2025-11-19 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA
State: NY

Complaint narrative:
My student loans were disbursed between XXXX and XXXX. To date, I have repaid a total of {$110000.00}, including {$76000.00} in interest and only {$38000.00} in principal. Despite this, my current remaining balance is {$74000.00}. 

Given that my original loan amount was {$76000.00}, these figures reflect a system that feels predatory, unreasonable, and designed to make full repayment exceedingly difficult and utterly impossible. 

At present, I pay nearly {$1000.00} per month toward my private loans alone, not including my federal loans. Even reducing the monthly payment would not provide meaningful relief, as the compounding interest continues to grow at an unsustainable rate. 

This situation is fundamentally unfair, and practices like these should not be permitted. My student loans have been repaid including interest and I should not have to pay any more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: GA

Complaint narrative:
On XX/XX/year> I made a reservation for hotel through XXXX the hotel reservation was for XXXX XXXX  XXXX  in XXXX georgia. Upon arrival to the hotel I tried to check in and the hotel clerk said there will be an additional {$200.00} cash deposit. I advise the hotel clerk that I did not have an additional {$200.00} cash deposit and that on the website there was no deposit mention on there I noticed on the window it was written with a black marker on a notebook sheet of paper about the {$200.00} deposit. I asked the clerk if they could just go ahead and cancel the reservation so that I can receive my money back. The hotel clerk said that I needed to contact XXXX and XXXX refund my money. I contact the XXXX and the representative XXXX contacted the hotel directly and ask for them to cancel the hotel reservation so that they could go ahead and reimburse me my money. XXXX stated to me that the hotel was not able to do that because the manager was not in on that day. I'll follow up with XXXX for 30 days before contacting my personal bank. My personal bank is XXXX XXXXXXXX XXXX. On today XX/XX/year> I contacted chime to file a dispute on that transaction of {$54.00} on XX/XX/XXXX. The basis of this dispute was that I never received the services I never rendered a driver 's license I never signed any documentation to secure the room because the hotel refused me to check in with that an additional {$200.00} deposit when I had already paid for the reservation on line. Now that I'm dealing with my personal bank XXXX XXXX XXXX they're refusing to give me a provisional credit stating that I will have to wait 90 days so that they could get reimbursed by the hotel their policy does say 7 to 10 days before provisional credit but the representative that took my dispute she stated that she would go ahead and give me the provisional credit. What's the supervisor got involved the supervisor tells me that she can not he can not give me the provisional credit and that I will have to wait 45 to 90 days to receive my {$54.00} provisional credit. I am already facing financial hardships because I have been unemployed 3 years due to a physical and mental health XXXX waiting on the social security administration to make a final decision it's been 3 years I have a balance of {$24.00} in my account I can not wait 45 to 90 days for provisional credit because they have to do an investigation. I understand that but the representative it was her suggestion that I received that provisional credit on today.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: GA

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violations of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Subject : Citi failed to investigate fraud and is denying me new credit due to an account that was never mine. 

Complaint : I am filing this complaint because Citi is denying me credit based on a fraudulent Best Buy Citi credit card account that was never mine and was never properly investigated. 

Several years ago, I received a collection letter stating that I owed money on a Best Buy Citi credit card. I had never applied for, opened, or received any Best Buy credit card in the mail. As soon as I received the collection notice, I contacted Citi and reported the account as fraud. The representative I spoke with told me the account would be removed and placed in the system as a fraudulent account. 

I believed the issue was resolved. 

Recently, I was denied for a XXXX Citi credit card due to past relationship issues. When I called Citi, they informed me that : The Best Buy Citi account ( which I previously reported as fraud ) Was sold to Resurgent Capital around 10 years ago And Citi now has no information on it Despite having no information, Citi is still using this account to block me from opening any new Citi credit accounts. 

This situation has caused the following issues : 1. I never opened the Best Buy account it was fraudulent.

2. I reported it as fraud years ago, and Citi told me they were removing it from the system.

3. Citi failed to resolve the fraud correctly and instead sold the account to a debt buyer.

4. Citi is now punishing me for their error by denying my new credit applications.

5. Citi refuses to clear my internal profile, even though the account was never mine.

6. Citi keeps telling me they have no records, yet they continue to block me because of this past relationship.

I am requesting CFPB assistance to require Citi to : 1. Reopen and complete the fraud investigation for the Best Buy Citi account.

2. Provide written confirmation that this account was fraudulent and never belonged to me.

3. Remove any internal negative prior relationship or loss coding from my Citi profile.

4. Correct their internal records so that I can be considered for new Citi credit products.

5. Provide an explanation of how a fraudulent account was sold to Resurgent after I reported it.

I am simply asking Citi to correct their mistake and stop holding an old fraudulent account against me.

I am going to seek guidance from a consumer protection attorney, if Citi does not resolve this matter.

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 explanation
Consumer complaint received 2025-11-18 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: Mercedes Benz Financial Services
State: GA

Complaint narrative:
I was incarcerated ( XX/XX/year> ) at the time of lease purchase which was XX/XX/year>. I was given a 20 year sentence and is still currently incarcerated. Can you forward me the signed contract please?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: TN

Complaint narrative:
I am formally disputing the inaccurate and unverified information reported on my Experian credit file. Due to the Experian data breach and compromised personal data, the following account and inquiries can not be verified and must be removed immediately under the Fair Credit Reporting Act ( FCRA ) Sections 602 ( A ), 607 ( b ), and 611. 
Account Name : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$270.00} INQUIRIES : XXXXXXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/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 2025-11-18 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: MD

Complaint narrative:
I've recently recieved a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: MD

Complaint narrative:
I've recently recieved a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-11-18 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 writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S.

Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof.

I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute.

I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile.

Disputed Closed or Charged-Off Accounts : Accounts : Account Name : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/year> Balance : {$26000.00}

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 2025-11-18 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: CA

Complaint narrative:
This is a follow-up complaint regarding Experians continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Experian repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data.

Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Experian to potential regulatory and civil liability.

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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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