vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
Company Information : Company Name : XXXX / XXXX XXXX Aldous and Associates XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Complaint Details : Product or Service : Personal Training Sessions Issue : Problems with billing, payments, and cancellation Amount in Dispute : Approx : {$190.00} What Happened : I initiated my first gym membership in XXXX. During a visit with a friend, a salesman approached us and, perceiving our inexperience with gym equipment, directed us to the gym manager, XXXX. 

I repeatedly expressed my financial instability and inability to afford an additional subscription beyond my gym membership. XXXX, however, presented a " deal too good to pass up, '' offering three free sessions upon signing up. He explicitly stated that the cost would be a one-time payment of {$110.00}, assuring me it was not a subscription.

Documents : XXXX did not provide any physical documents for us to review or sign. We completed the transaction by signing on a card reader at the register, relying solely on XXXX 's verbal assurances. 

After utilizing a few sessions, approximately three, we found them satisfactory but not transformative. A month later, my credit card was charged an additional {$110.00}. Upon contacting the club, XXXX stated the charge was for " training sessions. '' I immediately requested to cancel, and XXXX instructed me to come to the club to fill out a form. 

Upon arriving at the XXXX XXXX  where I signed up for the training, I was denied the ability to cancel. The agreement, which I never received a physical copy of and only signed electronically, states : " Buyer may terminate this agreement by completing a cancellation form, Request form at your XXXX location, or by written letter to your local XXXX location or XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. Cancellation requests may take more than thirty ( 30 ) business days to become effective. The member will be responsible for any past-due balance and any payments that fall within the 30 days of requesting cancellation. Purchased sessions will be available for use per the time frame explained on the back of this agreement. Member must maintain an active XXXX membership. 
Despite paying the amount due, my cancellation request was still not honored. I maintained my gym membership as per the agreement. I am attaching screenshots of my attempts to cancel with XXXX / XXXX via email, records of my conversations with salespeople at the club regarding training session cancellation, and documentation of my complete membership cancellation. I attempted to cancel the gym membership with both a medical reason and a change in address using documentation that they said I could use, but they still did not let me cancel. 

What you want to happen : I am requesting that the collections account from XXXX XXXX XXXX XXXX Aldous & Associates, approximately {$190.00}, be removed from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts constitute a violation of 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: CA

Complaint narrative:
According to 15 U.S.C 1681 I have the right to dispute inaccurate and unverifiable information that's on my Comsumer report. I disputed multiple times with credit bureaus and it's coming back as updated and verified without a proper investigation. The company failed to send me any of the information I requested even with the other complaint they never sent verification of debt, the ORIGINAL Contract bearing my signature & explanation of the amount and how it was calculated. 

Inaccurate information on my consumer report : XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX Date : XX/XX/year>, XXXX I recently looked at my consumer report and i noticed you are reporting some late payments that or NOT accurate and i would like you to update these late payments to ON TIME PAID AS AGREED. I have listed the account name and account number above along with the date you are reporting late, and those dates need to be changed to PAID AS AGREED.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: IL

Complaint narrative:
I filed a dispute with Equifax on XX/XX/year> for unauthorized accounts due to identity theft. An FTC report along with my ID was uploaded for proofs that the accounts did not belong to me. On XX/XX/year> I was mailed a letter stating that the accounts did XXXX XXXX XXXX  XXXX XXXX, Account number * XXXX was reinserted onto my Equifax credit file. According to Fair Credit Reporting Act ( FCRA ) 611 [ 15 U.S.C. 1681i ] : This section of the FCRA mandates that credit reporting agencies conduct a reasonable reinvestigation of disputed information. I believe the initial investigation was inadequate because the account doesnt belong to me.

Fair Credit Reporting Act ( FCRA ) 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] : This section requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The continued presence of inaccurate information on my report violates this provision.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: OK

Complaint narrative:
this company is reporting debt that is not mine and its hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
I have been requesting to withdrawl and close my account since XX/XX/XXXX. Each time I call I am transferred to XXXX, They can never help. I can Not close my account until the funds are withdrawn. Finally in XX/XX/XXXX I was instructed to fill out a form requesting my money to be mailed to me in a paper check because they will not deposit it into any of my other bank accounts. I completed the form, signed it and returned the form. I was then told by internal message that my request has been complete. 15 days go by and no check. I call again to ask why/ what more they need from me. XXXX is not open, they are busy or they simply can not help me. I am tired of perusing this money, but it is my money, they should not prevent me from withdrawing the XXXX. They closed my banking accounts last XX/XX/XXXX. 
This started as me investing, they stopped the account to continue earning anything from the stock in XX/XX/XXXX. I want my money refunded to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: FL

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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:
XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Email : XXXX Date : XX/XX/XXXX To : Experian P.O. XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Credit Reporting Under FCRA XXXX XXXX XXXX  Account Dear Experian I am writing to formally dispute inaccurate and harmful information being reported on my credit file. This pertains specifically to the following account : Creditor Name : XXXX XXXX XXXX Account Number ( partial ) : XXXX Date Opened : XX/XX/XXXX Status : Closed, {$310.00} past due as of XX/XX/XXXX Balance : {$1700.00} Credit Limit : {$500.00} This account reflects multiple derogatory marks, including severe delinquencies ( 30, 60, 90, 120, and 150 days past due ), which I believe are being reported inaccurately and without proper documentation or permissible purpose under the law.

Legal Basis for My Dispute : 1FCRA Section 611 [ 15 U.S.C. 1681i ] I am exercising my right to dispute information that I believe to be inaccurate or unverifiable. I request a reinvestigation of this account and for it to be removed if not substantiated by original and verified documentation.

2FCRA Section 604 [ 15 U.S.C. 1681b ] I never gave written authorization or consent for XXXX XXXX XXXX  to report or furnish this information to the credit bureaus.

3FCRA Section 609 [ 15 U.S.C. 1681g ] I am formally requesting the complete method of verification for this account, including : Signed application bearing my signature The original contract Complete payment history Proof of permissible purpose to report this information 4FCRA Section 605B [ 15 U.S.C. 1681c-2 ] If this account involves identity theft or any data breach, it should be blocked from appearing on my credit report.

Action Requested : Please initiate a reinvestigation into this matter.

If the account can not be fully verified as accurate with proper documentation, it must be removed from my credit file.

Send me the results of your reinvestigation and provide all documentation used to verify the account.

This letter serves as a formal notice of dispute. Please consider this my official request under the Fair Credit Reporting Act.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX of Birth : XX/XX/XXXX Last XXXX of XXXX : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: NY

Complaint narrative:
I am submitting this complaint to dispute a series of inquiries that appear on my TransUnion credit report which I did not authorize and which I believe may have been either inaccurately reported or added without a permissible purpose. These inquiries include entries from XXXX XXXX dated XX/XX/XXXX, XXXX dated XX/XX/XXXX, XXXX dated XX/XX/XXXX, XXXX XXXX  dated XX/XX/XXXX and again on XX/XX/XXXX, XXXX dated XX/XX/XXXX, and XXXX again on XX/XX/XXXX. I did not initiate any credit applications, nor did I provide authorization to any of these entities to access my credit report on or around the dates listed. To the best of my knowledge, I had no active or pending credit transactions with any of these institutions at those times.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a consumer reporting agency like TransUnion is prohibited from releasing a credit report unless the requesting party has a legally permissible purpose, such as an application for credit, insurance, employment, or rental housing that was initiated by the consumer. Additionally, under 15 U.S.C. 1681e ( a ), TransUnion is required to maintain reasonable procedures to ensure that consumer reports are furnished only for legitimate and authorized purposes. The presence of these inquiries suggests that TransUnion may have released my report without appropriate verification or due diligence. Furthermore, these entries now appear as hard inquiries, which directly affect my credit score and can wrongly imply that I am actively seeking new lines of credit or credit-dependent servicesan impression that is false and detrimental.

The FCRA also places an obligation on consumer reporting agencies to promptly and fairly reinvestigate any item a consumer disputes. In this case, because I never authorized these inquiries and they appear to lack any substantiated consumer-initiated action on my part, I have reason to believe TransUnion may be in violation of its obligations under both 1681b and 1681e of the FCRA. This inaccurate reporting has caused unnecessary harm to my creditworthiness, distorted my financial profile, and risks future denials of credit or adverse lending decisions based on an inflated perception of my credit-seeking behavior.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: TX

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. The following fraudulent accounts and inquiries have been identified as a result of this breach :. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
This is a formal dispute and legal demand pursuant to the Fair Credit Reporting Act ( FCRA ) regarding fraudulent and unauthorized accounts being reported on my credit report. My identity was stolen due to the Equifax and XXXX data breaches, and I have filed an official FTC Identity Theft Report, which is included in this dispute package along with a government-issued ID and proof of address.

I am demanding the immediate and permanent removal, blocking, and deletion of the following unauthorized and fraudulent accounts : The continued reporting of these accounts is a direct violation of the following provisions : 605B ( 15 U.S.C. 1681c-2 ) : Requires the blocking of fraudulent information within 4 business days of receiving proof of identity theft.

611 : Mandates a reasonable reinvestigation ; unverifiable or inaccurate items must be deleted. 607 ( b ) : Requires credit bureaus to ensure the maximum possible accur
acy of reported data.

602 ( a ) : Grants me the right to fair and accurate credit reporting, including protection from willful or negligent damage caused by inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
Midland Credit Managemnt has filed a lawsuit. They are acting as debt collection agency. I have asked for them to provide Verification of Assignment, I dispute the amount that is claimed owed, I have requested a FULL ACCOUNTING from the original creditor. I have requested the entire payment history. I have asked for a full breakdown of the interest charges and fees. I have request Validation of said debt as required by the FDCPA. I have requested the original documents of everything including the digital certificate of signature. I have also ask for them to provided their license and the state that they are licensed in to do business as a debt collector. 

This is causing me harm, and emotion stress.

Company response to consumer: Closed with explanation