vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-24 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: AmeriCollect
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX XXXX ] XX/XX/year> Subject : Dispute of Medical Collection Account Americollect To Whom It XXXX Concern, I am writing to formally file a complaint and dispute against Americollect and Experian for a medical debt collection account that has been reported under my name but does not belong to me. 

I have obtained a copy of my credit report and discovered an entry from Americollect that is inaccurate and erroneous. I have never received services from that medical provider associated with this account, nor have I authorized or acknowledged this debt. This collection account is not mine. 

I directly contacted Americollect and requested proof of ownership and validation of this alleged debt. They did not provide any documentation showing that this account belongs to me. Despite this, they continue to report this account, which is damaging my credit and in violation of federal consumer protection laws. I have also disputed this account with XXXX  they found the account was not mine and removed the entry, I have disputed this account with XXXX  they have not done a proper investigation, I have requested from XXXX  a copy of the investigation results that prove ownership they have not sent the information used for their decision it has been well over XXXX XXXXs. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am requesting that this matter be fully investigated. Specifically : Americollect must provide full validation of the alleged debt, including the original creditor, date of service, itemized charges, and proof that I am legally responsible for this account. 

If Americollect can not provide verifiable documentation, the account must be removed from XXXX  reporting agency immediately. 

I request that CFPB take appropriate action to ensure Americollect complies with federal consumer protection laws and ceases all collection efforts on this invalid account. 

I respectfully request written confirmation of your receipt of this complaint, as well as updates on any action taken regarding this matter. 

Thank you for your assistance in resolving this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am disputing inaccurate accounts reported on my credit file in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ), and the Consumer Financial Protection Act ( 12 U.S.C. XXXX ). The accounts listed ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) do not belong to me. These furnishers failed to maintain reasonable procedures to assure maximum possible accuracy ( 1681e ( b ) ) and have continued reporting without proper verification ( 1681i ). Any attempt to collect a debt not owed violates 1692e of the FDCPA ( false representation ) and 1692f ( unfair practices ). I request immediate deletion of these accounts, a full investigation, and confirmation of corrective action. Continued reporting of inaccurate information causes harm to my creditworthiness and violates federal law.

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 2025-09-24 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: GA

Complaint narrative:
I was reviewing my credit report and, noticed the same closed accounts are Still reporting, I have been disputing these closed accounts for over 3 years, and have reached out to The Reporting Agencies Requesting them to Delete the Inaccurate Information, I also was a Victim Of The Data Breach, I would like for this Information to be removed, it is hurting me and keeping me from getting credit

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 2025-09-24 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Global Lending Services LLC
State: FL

Complaint narrative:
Every single day global Lending services has called me from several different number asking to speak to me or XXXX about my debt they state that we have they have stated which was a voluntary repo and was at the time promised to me that I actually was not supposed have anything i owed after they call at crazy times of day I mean at like XXXX to XXXX XXXX I've actually changed my phone number XXXX sometimes XXXX  times a day I told them they need to speak to XXXX XXXX he got the cars in the divorce and I did not know were the car even was just that I wanted to know how much I owe and to mail it to me they XXXX time the person over the phone told me if I did not pay it then that they would take my house I told them this is illegal to say I was told I was XXXX I decided finally Thursday I was going to change my number cause my phone would not stop ringing XXXX day XXXX was the last amount I was told I owed from XXXX I XXXX at XXXX on Thursday XX/XX/year> they called me XXXX time that daughter before I answered they tried to tell me they called me XXXX but my voice mail would have told me other wise but because I changed my number it did not save it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I had applied for an advantage plus checking with Bank of America because it was a second chance account and I didnt have best bank history. and savings account and I got accepted XX/XX/year> for checking and XX/XX/year> for savings account. And they randomly closed my account on the XXXX of XX/XX/year>. Before I got the chance to even fund my account. I had called customer service to ask why my account was closed and they had told me that due to recent transactions Bank of America decided to initiate a closure on my account due to recent activitys, and I had told them I just had this account opened and I have not made any transactions or gotten chance to fund my account. And when I told them they said I apologize but we do not have anymore information about this. And I told them that I needed to speak with a supervisor because this is not right. So they had connected me to a supervisor name XXXX. And told her about the situation and she gives me same exact awnser. How can you as a bank accept to open my account and close in within days and tell my they closed it because of recent transactions when there were none made on the account and not give me any more information I had filed a complaint with her. Complaint id number XXXX. I hope you can help me with this issue. Because they are not gon na do anything about it.

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 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

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 2025-09-24 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: AR

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: GA

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
Consumer complaint received 2025-09-24 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: TX

Complaint narrative:
I am extremely frustrated to see that the inaccurate late payments are still appearing on my credit report today, and I can not understand why they havent been corrected. Even after refreshing my browser, nothing has changed. Please review the documents I already sent immediately so this can finally be resolved and I no longer have to stress over it.

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 2025-09-24 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: MO

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I tried to withdraw money from the capital one bank account. They blocked the transaction and made me call the bank to verify that I own the external bank account, until I verified the bank account they blocked all transactions to and from my bank account until i called then bank back preventing me from using my account to provide for my family of XXXX. I was locked out of my account and could not proceed with any transactions or pay any of my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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:
I am the victim of identity theft. I have submitted a formal dispute along with an FTC Identity Theft Report and all required documentation to support the claim. Under the Fair Credit Reporting Act, the bureaus are obligated to block all fraudulent accounts within 4 business days of receiving proper notice. I am demanding permanent deletion of any fraudulent accounts found. I am also attaching my FTC report, formal dispute letter, and government-issued ID, SSN, and proof of address for verification purposes.

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 2025-09-24 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:
I am the victim of identity theft. I have submitted a formal dispute along with an FTC Identity Theft Report and all required documentation to support the claim. Under the Fair Credit Reporting Act, the bureaus are obligated to block all fraudulent accounts within 4 business days of receiving proper notice. I am demanding permanent deletion of any fraudulent accounts found. I am also attaching my FTC report, formal dispute letter, and government-issued ID, SSN, and proof of address for verification purposes.

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 2025-09-24 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:
I am submitting this complaint because Equifax is reporting a fraudulent account on my credit file that I did not authorize or open. Despite notifying them that the account is the result of identity theft, they have failed to remove them. 

The account are : XXXX XXXX XXXX XXXX  A charge-off account reporting a balance of {$570.00}. I have never applied for or opened this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: GA

Complaint narrative:
My credit report shows a charge-off from XXXX XXXXXXXX XXXX XXXX XXXX ), account XXXX XXXX XXXX XXXX XXXX XXXX, that is inaccurate and unverifiable. 

Details The account is reported as a charge-off. 

I have disputed this account with the credit reporting agencies ( CRAs ) and requested verification under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 604, 609, 611 ). 

XXXX and the XXXX have not provided a valid signed contract, original agreement, or full accounting to prove that this debt is accurate, enforceable, or legally reportable. 

Without such documentation, the continued reporting violates both the FCRA ( duty to ensure maximum possible accuracy ) and principles of contract law ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), which require valid consent and enforceable agreements. 

Why This Violates the Law FCRA 604 : Requires permissible purpose for reporting. Without a contract or application, no such purpose exists.

FCRA 609 ( a ) : Grants me the right to see all documentation used in verification none has been provided.

FCRA 611 ( a ) : Requires deletion of any information that can not be verified.

FCRA 616617 : Establishes liability for damages caused by inaccurate or unverified reporting.

Harm Caused This charge-off has lowered my credit score and impaired my access to fair credit.

Continued reporting of unverified negative information is misleading and damaging. 

XXXX Requested Remove the XXXX charge-off account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from my credit file. 

Provide written confirmation that this account has been deleted and will not be reinserted unless full proof is obtained, per FCRA 611 ( a ) ( 5 ). 

Ensure corrected information is sent to all parties who received my credit report within the last XXXX months.

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 2025-09-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
urate Information Data Breach Exposure To Whom It May Concern, I am disputing the accuracy and legitimacy of certain information on my credit file. My personally identifiable information was exposed in a data breach, and as a direct result, fraudulent and unverifiable information has appeared on my reports. 
This has traumatically affected my life, hindering my ability to obtain credit, secure housing, and access essential resources. Such consequences violate my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681c-2, which mandate the permanent deletion of inaccurate or unverifiable data. 
Additionally, the Fair and Accurate Credit Transactions Act ( FACTA ), the Gramm-Leach-Bliley Act ( GLBA ), and the FTC Act ( 15 U.S.C. 45 ) require credit reporting agencies to safeguard consumer data and prohibit the continued reporting of information resulting from a breach. 
Accordingly, I am demanding that all unverifiable and fraudulent items associated with the breach be deleted indefinitely from my credit file. Anything less constitutes a violation of federal law and will be pursued accordingly through the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and any other applicable regulatory bodies. 
Please confirm in writing within 30 days, as required by law, that these items have been permanently deleted from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: Shellpoint Partners, LLC
State: CO

Complaint narrative:
I had gotten sick around mid XXXX XXXX XXXX and I was not able to work for XXXX months. I got behind on all my payments and am just now able to continue making regular payments. Ive tried to make my payment online in XXXX and today but the website will not allow me to make any payments at all. 
Ive called the lender to make payment arrangements or a possible forbearance but they are making it very difficult. I only owe {$2700.00} for XXXX through XXXX ( which XXXX I can start making my regular monthly payments ) but they are asking for about {$6700.00}. of which I can not do right now. I can pay the past due amount but they want the full {$6700.00} which are a lot of extra illegal fees. 

Also on XX/XX/XXXX not even XXXX a full months of being late they hired a company XXXX XXXX to go into the property! There is a tenant in the property and the property is fully furnished and theres clothing in it so obviously people are living there. They still went inside and were in there for a while according to a neighbor and they changed the locks and put a padlock on it. They also put a notice on the door saying that this home has been deemed Vacant.. 
How can they do this when the home is obviously occupied? 

So I am being charged all those extra fees for that company going into the home. That company also stole tenants tools. They winterized the home, damaged the washer so it longer works.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation