vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriCollect
State: GA

Complaint narrative:
AMERICOLLECT INC TO XXXX DEPARTMENT Subject : Formal Dispute & Demand for Immediate Deletion of Inaccurate Collection Accounts Violation of 15 U.S.C. 1692g To Whom It May Concern, I am formally disputing the accuracy, validity, and legal standing of the collection account ( XXXX ) you are reporting under my name. This notice is being submitted pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ). 

ACCOUNT NAME : AMERICOLLECT INC ACCOUNT NUMBER : XXXX ACCOUNT NAME : AMERICOLLECT INC ACCOUNT NUMBER : XXXX ACCOUNT NAME : AMERICOLLECT INC ACCOUNT NUMBER : XXXX ACCOUNT NAME : AMERICOLLECT INC ACCOUNT NUMBER : XXXX You are legally obligated to provide, within XXXX  days, the following : XXXX. Verification of the alleged debt bearing my signature on the original agreement. 
XXXX. Full itemization of the debt, including the original creditor, the alleged amount owed, interest, fees, and payment history. 
XXXX. Proof of legal authority to collect in my state, including any required state licenses. 
XXXX. Chain of title/assignment from the original creditor to your agency proving ownership of the alleged debt. 


Failure to provide complete validation as required by XXXX renders your continued collection efforts and credit reporting a direct violation of federal law. Reporting unverifiable information to any credit reporting agency also constitutes willful noncompliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ). 

Be advised : Any continued collection activity, including credit reporting, without proper validation is unlawful. 
You must immediately cease and desist from all collection and reporting activities until verification is provided. 
If you can not fully validate the debt, you are required to permanently delete the account from all credit bureaus ( Equifax, Experian, and TransUnion ). 


Should you fail to comply, I will pursue all available remedies including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General, as well as pursuing civil litigation for statutory damages of up to {$1000.00} per violation, actual damages, attorneys fees, and punitive damages. 

This letter serves as your final notice. You have 30 days from receipt of this letter to comply. If you do not, I will take immediate legal action to protect my rights. 

Govern yourself accordingly. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi began pursuing me for charges that I reported as fraudulent. At the time these charges were made, I was outside of the United States for more than XXXX years and could not have made or authorized these transactions. I notified Citi that the charges were fraudulent and requested that they stop collection activities and provide verification. It has now been more than XXXX  days since I raised the dispute, but no resolution has been provided and I continue to be pursued for a debt that does not belong 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 2025-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I opened an account at BMO Bank in XXXX Ca. The address I gave them was the wrong address and they froze my card. I called BMO and spoke to a lady named XXXX and she stated I had to go to bank and show them my ID and social security card. When I arrived I showed them documents but didn't have a utility bill and they refused to let me draw my finances out of tge bank.There is more to this as a XXXX girl named XXXX who challenged me to my life at the time by cheating. I was in the blind at the time. I wasn't even aware people could challenge you for your life. What they were after was my finances and it involves a gold lady liberty coin.

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 2025-09-11 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: IL

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 XXXX ( 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 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 2025-09-11 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: AZ

Complaint narrative:
My fiscal responsibility is not captured in this assessment.

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 2025-09-11 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : ONEMAIN Date : XX/XX/XXXX ACCOUNTS : I XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$89.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-11 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: TRINITY HOPE ASSOCIATES
State: NC

Complaint narrative:
I am writing to file a formal complaint against Trinity Hope Associates, a debt collection company, for what I believe to be harassing, deceptive, and unlawful collection practices. 

On XX/XX/year>, at approximately XXXX p.m., I received a phone call from ( XXXX ) XXXX. The caller identified herself as XXXX ( last name unclear ) and stated she was with Trinity Hope Associates. 

During the call, she claimed that I owed a hospital bill of {$3000.00} and something, but that if I paid immediately, the balance would be reduced to {$2000.00} and something. She further stated that I could make payment arrangements if I agreed to pay. 

I told her I did not believe I owed this debt and requested a detailed bill or written proof of the alleged account. She refused, stating that notices had already been sent. I informed her that I had not received any notices. She then told me flatly that they would not send me anything further. 

The most distressing part of this call came when she threatened that if I did not pay, Trinity Hope Associates would take my house. She said the matter would be turned over to attorneys, that a XXXX would be placed on my home, and that my home would be taken from me. My wife was also on the line and heard these statements. 

This phone call has caused us tremendous emotional distress. My wife suffers from XXXX, relies on breathing machines, and this situation has worsened her condition. The stress of being threatened with losing our home has made her sick and has directly impacted her health. 

I believe Trinity Hope Associates is in violation of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits : Making false or misleading statements regarding debts, Refusing to provide written verification of debts, and Threatening to seize property without proper legal basis or judgment. 

At this time, I do not believe I owe this debt, and Trinity Hope Associates has failed to provide proof that I do. Their threats to seize my home appear to be an unlawful and coercive collection tactic. 

I respectfully request that your office investigate Trinity Hope Associates and take appropriate action to ensure they are in compliance with North Carolina and federal debt collection laws. 

Thank you for your time and assistance in this matter.

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 2025-09-11 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: VA

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section XXXX [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required XXXX business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section XXXX [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under 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 explanation
Consumer complaint received 2025-09-11 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: FL

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

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 2025-09-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Tower Loan of Mississippi, Inc.
State: AL

Complaint narrative:
They contacted several people who are not family or friends, lied and said I used them as a reference ( this company didnt ask for references ) and disclosed to them that I owed a debt and they were trying to get in touch with 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 2025-09-11 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: NY

Complaint narrative:
I am writing to formally file a consumer complaint regarding deceptive and unfair practices related to a Vanilla Visa prepaid gift card, issued by InComm XXXX XXXX, and purchased at a XXXX location in New York. 

I received the Vanilla Visa gift card as a gift in XX/XX/XXXX. The card clearly stated that the funds would never expire. When I attempted to use the card approximately 3 years later, I discovered that most or all of the balance had been fraudulently spent on XX/XX/XXXX, just days after the card was purchased. I suspect the card information may have been compromised at the point of sale, possibly by employees at the XXXX store where it was bought. 

I filed a fraud claim with Vanilla Visa ( InComm ) on XX/XX/XXXX. On XX/XX/XXXX, they denied it, stating the transactions were out of timeframe for recovery, without investigating the transaction history or the fraudulent activity. 

The card was advertised as having funds never expire. This implies that the cardholder has a reasonable period of time to use the funds. Yet, the company refused to honor this commitment. 

Vanilla Visa denied my fraud claim without conducting any real investigation, even though the fraudulent transactions occurred almost immediately after purchase, well before I ever attempted to use the card.

This effectively shifts all risk to the consumer, which is especially egregious in the case of a gift card. If employee fraud was involved, the point-of-sale location ( XXXX  ) and issuer should bear responsibility, not the innocent consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: FL

Complaint narrative:
In accordance with the Federal Fair Debt Collection Practices Act, 15 U.S. Code 1692c, XXXX XXXX XXXX violated my rights as a consumer, you are hereby notified to CEASE AND DESIST any and all further attempts to collect this alleged debt. I will work directly with the alleged original creditor, to resolve this matter, as warranted. Please take note that I am declining any attempts by, or any other collection agency with regards to this matter. 
In addition, you are hereby requested to inform and/or remove from any reporting agencies this alleged debt that is currently in dispute. I will require documentation that you have complied with this request. 
You are also requested to CEASE AND DESIST contacting me with further regards to this matter, unless it is to notify me via U.S. mail that you will be terminating all attempts to collect this alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: CA

Complaint narrative:
The credit review overlooks my true monetary values.

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 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account name : DPT EDXXXX Account number : XXXX Account name : DPT EDXXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: GA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of your receiving this complaint. This fraudulent, inaccurate, and false information consists of Collections : XXXX XXXX XXXX XXXX XXXX BALANCE : {$2500.00} and XXXX XXXX XXXX XXXX XXXX  BALANCE : {$1200.00}. I have attached a list of the fraudulent items appearing as well as a copy of the FTC consumer credit report maintained by you which shows these fraudulent accounts and items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by your agency are the result of identity theft and fraud. I have attached a copy of the FTC identity theft report number XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.

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 2025-09-11 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: WI

Complaint narrative:
In XX/XX/year>, I noticed that my student loan account ( XXXX ) fell delinquent, which resulted in a XXXX point drop to my credit score. 

This was during the time a disaster, Hurricane Helene, had struck our home, so I contacted XXXX, who placed a retroactive forbearance on the account and told me it was in good standing - that the mark would be removed. They also claimed the updated information would be submitted to the credit agencies within a few weeks. I should have had NO delinquencies at that point. 

Over the course of the following few months, I checked with the credit agencies, none of whom reflected that updated reporting. All three of my accounts show the XXXX point reduction to my credit score. 

When I went to dispute it with Equifax, I provided the documentation from XXXX  claiming I had received a forbearance from the dates the delinquency had occurred, but Equifax claims they can not verify this DESPITE the documentation I provided directly from XXXX. 

At this point, I'm not sure if XXXX is not reporting correctly, or if the agencies are not updating their information, but there is nothing else I can do since neither seems to be in communication with one another and months have passed. 

I have done everything I need to do yet no changes have been reflected.

Company response to consumer: Closed with explanation