vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Marcadis Singer PA
State: FL

Complaint narrative:
On XX/XX/year>, I sent a formal debt validation request to XXXX XXXX XXXX XXXX XXXX pursuant to FDCPA 1692g ( b ). The request demanded full validation, including the original signed contract, application, bill of sale, complete chain of assignment, and proof of permissible purpose under FCRA 1681b. 

On XX/XX/year>, their attorney, Marcadis Singer, P.A., responded by providing only historical billing statements from XXXX XXXX XXXX. No signed contract, no application, no bill of sale, and no documentation establishing legal ownership or authority to collect or report the alleged debt was provided. 

Despite the failure to properly validate the debt, the account continues to be reported to consumer reporting agencies, including XXXX  and XXXX. Reporting unverifiable information and continuing collection activity without proper validation constitutes violations of the Fair Credit Reporting Act 1681s-2 ( b ) and FDCPA 1692e and 1692f.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I would like to know when I pay my monthly payment thats due each month is the interest included in that payment because they are charging me an extra interest fee even though I paid my monthly fee theyre taking the money out of my credit card to pay in other words I paid {$140.00} For XXXX and they turned around and charge my card an extra {$35.00} which was my available balance after I paid my bill can they charge me twice?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-12 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: NY

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-12 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:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-12 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Clarity Debt Resolution, Inc
State: NY

Complaint narrative:
In the month of XX/XX/XXXX I began a Settlement arrangement through Clarity Debt Resolution for XXXX payments to settle an account with XXXX  XXXX Account ending in XXXX. 
The amounts were paid on time and the account should have settled paid in full. 


XXXX. {$1.00}, XXXX XX/XX/XXXX XXXX. {$1700.00}. XX/XX/XXXX XXXX. {$1700.00}. XX/XX/XXXX XXXX. {$1700.00} XX/XX/XXXX I found out from XXXX XXXX XXXX the Settlement Agreement had been voided due to Clarity sending in the XXXX late in XXXX of XXXX. 

Clarity never notified me that Settlement. 

I complained to XXXX Managers at Clarity who promised to resolve the issue. I recently got an increase of {$96.00} Dollars per month from {$1.00}, XXXX to {$1900.00} Payment for XXXX other Bank Accounts without my permission. 

They settled the XXXX account for an additional {$3400.00} Dollars without my permission and added the monthly fee of {$96.00} for XXXX  Months. 

The XXXX Managers at Clarity have not gotten back to Me regarding Claritys failure to get the last payment of {$1700.00} and instead negotiate an additional {$3400.00} for me to pay without my permission. I believe Clarity should have to pay the {$3400.00} Dollars for being late in sending in my Last payment in XXXX of XXXX which caused the original settlement to be voided. 

The XXXX Clarity Managers who did not get back to me and went ahead and made a settlement agreement without my authorization are as follows XXXX XXXX XXXX XXXX XXXX XXXX This is a very unfortunate situation that I am locked into Clarity Debt Resolution on XXXX accounts. 
XXXX  XXXX XXXX confirmed that Clarity debt is doubling up on payments when they should be sending the payments in monthly

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
On XXXX I saw on my credit report two credit cards that I don't remember that I owed and even called the credit card companies. They stated that I do not owe anything. I called back phone number XXXX and they stated that if I don't pay these debts I will be sued and taken to court, also there will be a possibility that I my wages will be garnished. This is new news to me and also this is being threatened to pay or else. One credit card is {$1600.00} and the other one is {$1200.00}, both are this high due to charges that I never new about. I asked if they would be willing to settle and they gave me just 10 % off. Again told me if I did not pay then legal actions will take place.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-12 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: NY

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-12 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: NY

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-12 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: PREFERRED CREDIT INC
State: AZ

Complaint narrative:
XXXX  claims that my {$3300.00} payoff check was rejected for insufficient funds, which is not accurate. The account the check was drawn from had over {$15000.00} at the time, and XXXX XXXX XXXX confirms the check was successfully cashed and the funds were allocated to XXXX. Despite this, the {$3300.00} balance is still showing as due on my XXXX XXXX account. 

XXXX  told me the payment was rejected, so I paid the balance again by other means. I later learned that XXXX  did cash the original check but failed to apply it to my account. They have refused to provide any bankissued documentation showing that the payment was returned for insufficient funds. 

I provided XXXX  with the front and back of the cleared check, yet they have not provided any official evidence supporting their claim. I am requesting that my account be corrected, the original payment properly credited, all duplicate charges removed, and all interest reversed back to the original payment date of XX/XX/year>. 

I have spoken with customer service who said there's nothing more they can provide and asked to speak with a supervisor but was refused. Also asked for contact information for their legal and compliance departments which they refused to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
For many years I've had XXXX or XXXX credit cards in my collection that I never applied for, and this has affected my credit score for a long time. I haven't been able to remove them from my credit report and I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-12 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: CA

Complaint narrative:
XXXX  that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-12 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: 30 Day Credit Pros, LLC
State: NM

Complaint narrative:
I am submitting this complaint due to deceptive and irresponsible business practices by 30 Day Credit Pros, which have directly caused financial hardship, the blocking of my debit card, and unnecessary stress and disruption to my daily life.

I authorized one company30 Day Credit Prosto draft one monthly payment of {$140.00} from my account. Instead, my bank alerted me to two separate charges for the exact same amount, one from 30 Day Credit Pros and another from a company I had never been informed of or approved : XXXX. 

At no point did 30 Day Credit Pros ever disclose that a third-party entity would be attempting to withdraw money from my account. That omission is not an oversightit is deceptive.

Since I had no knowledge of XXXX, I rightfully denied the charge. This resulted in my debit card being completely blocked for security reasons, leaving me unable to access my funds or pay other bills. This situation was entirely caused by 30 Day Credit Pros lack of transparency and their reckless approach to handling payments.

When I addressed this issue with the company, instead of owning their misconduct, they attempted to shift blame onto me by claiming I was a day late on a payment. This is absolutely false. I communicated clearly with them, and they chose to push multiple unauthorized payment attempts anywaythrough both 30 Day Credit Pros and XXXX. 

Their refusal to accept responsibility, their lack of honesty, and their dismissive attitude speak volumes about their priorities. Despite advertising that they help consumers, their actions show they are only interested in collecting money by any means necessaryeven if that means misleading customers or withholding critical information.

This behavior is unethical, unacceptable, and, at minimum, warrants investigation.

I am demanding the following : Immediate cancellation of my account with 30 Day Credit Pros.

Written confirmation that no further charges will be attempted by either 30 Day Credit Pros or XXXX. 

A full explanation for why a third-party company was allowed to access my account without my knowledge or authorization.

An investigation into their billing practices, lack of disclosure, and mishandling of customer accounts.

Their actions have caused me real financial harm and inconvenience, and based on the numerous negative reviews from other consumers, this appears to be a pattern, not a mistake.

I request swift action on this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-12 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: NC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rausch Sturm LLP
State: TX

Complaint narrative:
I sent a letter certified mail return receipt on XX/XX/year> asking the creditor to verify various aspects of the debt including The name and address of the original creditor. 
A copy of the original signed contract, loan agreement, or other documentation that bears my signature and proves I am responsible for this specific debt. 
An itemized breakdown of the total amount owed, including the principal balance, all interest charges, fees, payments, and credits applied since the debt became delinquent. 
Documentation showing the date the debt became delinquent and how that date was determined, to verify it is within my state 's statute of limitations. 
Proof that your agency has the legal right and is licensed to collect this specific debt in my state. 

I never received anything in return and am now being sued by the collection agency in question.

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 2025-12-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: TX

Complaint narrative:
I am submitting this complaint regarding the ongoing denial of student loan forgiveness and the lack of meaningful assistance provided by my loan servicer despite documented financial and medical hardship. 

Following the passing of my son, I experienced severe XXXX XXXX  and XXXX XXXX XXXX that required XXXX  care and caused an interruption in my ability to work. As a result, I suffered significant financial hardship that directly affected my ability to meet my loan obligations during that period. This hardship was not voluntary or the result of negligence, but rather the result of a major XXXX XXXX XXXX XXXX XXXX 

I have worked in the field of XXXX  for over XXXX  years, dedicating my career to XXXX XXXX Despite my long-term employment in a qualifying profession and my attempts to seek relief, my loan servicer has continued to deny forgiveness and has failed to provide clear explanations, reasonable accommodations, or appropriate hardship consideration. 

My concerns include, but are not limited to : Failure to properly evaluate my eligibility for loan forgiveness based on long-term public service employment Failure to adequately consider documented financial and mental health hardship Inconsistent or unclear communication regarding forgiveness and relief options Continued financial burden during a period of medical and emotional vulnerability I believe my loan servicer has not acted in good faith by failing to provide accurate guidance, appropriate hardship options, or a fair review of my account. I am requesting that the CFPB assist in ensuring my loan servicer conducts a full and fair review of my eligibility for loan forgiveness, hardship relief, or any applicable discharge or adjustment programs. 

I am requesting the following resolution : A comprehensive review of my loan forgiveness eligibility Consideration under financial hardship and medical hardship provisions Correction of any servicing errors or misrepresentations Clear written communication outlining all relief options available to me Supporting documentation can be provided upon request. 

Thank you for your assistance in this matter. 

XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-12-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
On XX/XX/XXXX & XXXX, XXXX, my XXXX  account was accessed without my authorization. I later discovered that a third party had gained control of my account and transferred funds that were already in my XXXX  balance to an unknown recipient. 

I did not authorize these transactions, did not know the recipient, and did not benefit from the transfer in any way. This activity occured without my consent and was the result of unauthorized account access. 

As soon as I became aware of the unauthorized transactions on XX/XX/XXXX XXXX XXXX, I contacted XXXX  through their support system and reported the incident as fraud and unauthorized access and request reimbursement. During a follow-up call with XXXX  support XX/XX/year>. I was informed verbally that my claim had been denied. I did not receive any written or emailed notice of this denial. 

XXXX  XXXX XXXX XXXX XXXX date : XX/XX/year> Amount {$100.00} USD After being informed of the denial, I submitted an appeal as instructed by XXXX. XXXX  later stated that they never received my appeal. I was not provided confirmation that my appeal was received, nor was given any alternative method to ensure my appeal was properly submitted. 

When I contacted XXXX again in XXXX, I was told that because the incident occured in XXXX and it was Decemeber, I was no longer allowed to appeal or escalate the matter. 

XXXX  has treated this incident as a payment dispute rather than unauthorized account takeover fraud. The funds were stolen from my stored XXXX  balance due to unauthorized access, not an authorized transaction. XXXX  has failed to provide a meaningful investigation, written findings, or a fair opportunity to appeal. 

I have since taken steps to secure my account. I am requesting reimbursement of the stolen funds and proper fraud investigation recongizing this as unauthorized account access.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Corp Solutions Inc.
State: OR

Complaint narrative:
I received a phone call from a a third party collection agency wanting me to prove who I am. I told them that I dont know anything about this debt and that I am not willing to provide any information about myself or verify any info until they send me a debt validation letter and that that I no longer want them to call me until they can send me a copy of this with my name on it, a signature with my name on the contract, proof of their ownership of the debt, and the history of the debt and payments. Instead of sending me something they told me they cant do that and keep calling me instead when Ive told them twice I want to communicate only through certified mail. They are in violation of the fdcpa and keep contacting me with different private numbers atleast once a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: AR

Complaint narrative:
Debt Dispute Letter XXXX Coverage XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Formal Dispute of Alleged Medical Debt XXXX Account Number : XXXX Creditor : XXXX XXXX XXXX XXXX  Creditor Account Number : XXXX Alleged Date of Service/ Itemization Date : XX/XX/XXXX, Alleged Amount : {$2200.00} To Whom It May Concern, I am writing to formally dispute the above-referenced medical debt in its entirety. I do not believe this debt is valid, and I am requesting full verification as required by law. 

At the time of the alleged date of service, XX/XX/XXXX, I was actively covered by XXXX, which paid 100 % of my eligible medical expenses. The last surgical procedure I had prior to this date was a shoulder arthroscopy, and that procedure along with all related services and medications was fully paid by XXXX. I never received a bill because XXXX covered all charges. 

Your letter states that the alleged debt is owed to XXXX XXXX XXXX XXXX, with an itemized balance originally listed as {$2000.00}, plus {$180.00} in interest. If XXXX was billed correctly, there should be no patient responsibility. I am not aware of any denial of coverage, nor was I notified of any outstanding balance at or near the time of service. 

Additionally, on XX/XX/XXXX, I was impacted by a tornado that resulted in the loss of my purse containing my personal identification and sensitive information. Due to this circumstance, I am particularly concerned about the accuracy, timing, and legitimacy of this claim especially given that I am being contacted nearly a year later. 

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting the following : Written verification of the alleged debt, including a complete and detailed itemized statement of services. 

Proof that XXXX was properly billed and subsequently denied payment for these charges. 

Documentation demonstrating that I was legally responsible for any balance after XXXX processing. 

Proof that proper billing notices were sent to me at the time of service. 

Until this information is provided, this debt remains disputed. You are required to cease all collection activity, including credit reporting, interest accrual, and any attempt at wage garnishment, while this dispute is under review. 

I do not have the financial means to pay this alleged debt, nor do I believe I am legally responsible for it. If this matter is not resolved, I will pursue further review with XXXX, the original provider, and appropriate consumer protection agencies. 

Please note that I am requesting all future communication regarding this matter be made in writing only.

Company response to consumer: Closed with non-monetary relief