vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: CO

Complaint narrative:
On XX/XX/2025 I signed what was advertised to be a non-autorenewing month to month gym membership at XXXX XXXX XXXX in XXXX Colorado. The membership rate was {$54.00} per month with an additional enrollment fee of {$100.00} for the privilege of a non-renewing, no contract membership. I was told if I let the membership lapse, I would have to pay the enrollment fee again to have it reinstated. I paid the enrollment fee and initial month membership. 

I never used the service so I let the membership lapse. I never heard anything about it and went about my life. 

On XX/XX/2025, I received a call from Consumers FCSBPO about collecting a debt of {$260.00} and change. I filed a formal dispute and a week later received a " verification of debt '' and a copy of my contract. Upon review I caught a clause I previously missed authorizing auto-renewal.

Also in the debt verification were multiple attempted charges that my bank declined as suspected fraud. I never received notice from the bank of the declined charges, nor did they appear on my monthly statements. This explains why I was unaware of the gym 's attempt to renew my membership. Because of this, the initial advertisement that the membership was non-renewing, and the fact that the gym never contacted me, I never suspected I owed a debt. 

The debt collector was uninterested in my explanation so I sought legal counsel and was advised to file this complaint and a complaint with the attorney general.

I believe the debt is invalid for the following reasons : 1 ) I was sold a service different in practice than it was advertised. Additionally, I never used the service for which I paid.

2 ) The gym failed to make any attempt to contact me about failed payments and did not cancel the membership, instead accruing charges and fees over months when they could have simply cancelled the membership for non payment. Since I never used the service, I did not receive any benefit for which I did not pay.

3 ) The gym does not adhere to health club membership laws requiring easy cancellation. They require 30 days written notice specifically not submitted via email. This is an intentional barrier to cancellation intended to keep members paying for a service they don't want.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-09-10 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 pulled a copy of my consumer report and notified these agencies on XX/XX/year> about some items I disputed. Care was not taken into this matter as it has yet to be resolved in a manner that is FAIR and EQUITABLE to me, the consumer, per the Fair Credit Reporting Act regulations. I sent off my notice to these agencies which included a Federal Trade Commission ( FTC ) Identity Theft Report, XXXX XXXX XXXX XXXX XXXX XXXX  complaint, State Attorney General ( SAG ) complaint, as well as I filed a complaint with the Consumer Financial Protection Bureau ( CFPB ). I delineated what violations these agencies perpetrated under the FCRA, while notifying the agencies that these items were reported without my explicit, written agreement. This results in identity theft, constituting a breach of the civil liability provisions of the FCRA, as previously communicated in the attached notice for your records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
They keep posting on my credit reportXXXX i returned the telecommunications item since i didnt want the service but they billed me anyway and sent to collections Amsher collections XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I submitted a timely Validation of Debt request to PORTFOLIO RECOVERY ASSOCIATES regarding Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for the alleged balance of {$2700.00} and {$1500.00} under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. In that request, I specifically asked for proof of ownership of the alleged debt, a valid purchase agreement for the portfolio containing my account, a complete and unbroken chain of title from the original creditor to the debt collector, and a copy of their state bond or license required to collect in my state. Despite this request, XXXX XXXX XXXX XXXX failed to provide any of these critical documents. They continue to report negative information to the credit bureaus and attempt to collect on a debt they can not legally prove they own or are authorized to collect. By furnishing derogatory credit information without proof of ownership or proper documentation, they are in violation of 15 U.S.C. 1692e of the FDCPA and may also be violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), for reporting unverifiable or inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
On XX/XX/year>, I sent a formal cease-and-desist and demand for validation letter via certified mail to Capital One / XXXX ( Attn : Legal Department / XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX XXXX. This letter disputed the alleged debt tradeline connected with the following account numbers : * XXXX ; XXXX ; XXXX. 

Capital One / XXXX has been reporting this account as a charge-off and continuing to update it monthly as charged-off. This constitutes illegal re-aging in direct violation of FCRA 1681c ( a ) ( 4 ). Such reporting also violates FCRA 1681e ( b ), which requires maximum possible accuracy, and FCRA 1681s-2 ( a ) ( 1 ) ( A ), which prohibits furnishing information known, or that should be known, to be inaccurate or unverifiable.

In my letter, I demanded validation and documentation within XXXX calendar days, including : The original signed contract/application showing liability. 

A full payment ledger ( including fees, interest, and penalties ).

Proof of Date of First Delinquency ( DOFD ).

Proof of authority under FCRA 1681s-2 ( b ) and 1681b ( 2 ).

Bill of sale or assignment if the account was sold.

Violations Identified : FCRA 1681e ( b ), 1681c ( a ) ( 4 ), 1681i, 1681s-2 ( a ) ( 1 ) ( A ) & ( b ) FDCPA 1692g & 1692c Gramm-Leach-Bliley Act 18 U.S.C. 1028A ( Aggravated Identity Theft ) 15 U.S.C. 1681n & 1681o ( damages provisions ) Capital One / XXXX failure to validate this account while continuing to report it as a charge-off exposes them to legal liability. Deletion of this tradeline is required if validation is not provided. 

See the attachment for full details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am submitting this follow-up dispute regarding Midland Credit Managements ( MCM ) response dated XX/XX/XXXX, which fails to establish lawful ownership of, or accurate reporting on, the above-referenced account. I respectfully request that this tradeline be permanently deleted from all of my consumer credit reports pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Grounds for Deletion 1. Insufficient Validation ( FDCPA 809 ( b ) ) MCM provided only two billing statements. They failed to produce : The original signed credit agreement ; A complete payment history ; A bill of sale or assignment proving legal transfer of the account from Synchrony to MCM. Without these, MCM has not met the statutory burden of providing adequate validation. 2. Inaccurate & Incomplete Reporting ( FCRA 1681i, 1681s-2 ( b ) ) XXXX XXXX  XX/XX/XXXX billing statement clearly reflects the account as charged off and closed, with the balance written off. Despite this, MCM continues to report the balance as currently due and owing, which is materially false and misleading. Credit reporting must be accurate, complete, and verifiable. MCMs submission demonstrates otherwise. 3. Risk of Duplicate/Double Reporting Synchrony Bank charged off and closed the account. Any parallel reporting by MCM of a balance still due constitutes unlawful duplicate reporting, artificially harming my credit standing. Requested Remedy Because Midland Credit has failed to provide full validation and is reporting inaccurate, incomplete, and misleading information, I request the CFPB enforce the following : Immediate and permanent deletion of this Midland Credit Management tradeline from all consumer credit reports ( Equifax, XXXX XXXX ). Written confirmation that the account has been removed and will not reappear. Conclusion MCM has not substantiated its claim or met its statutory obligations under the FDCPA and FCRA. Continued reporting of this account constitutes an unfair and unlawful practice. I respectfully request that the CFPB intervene to ensure this account is permanently deleted. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I looked at my XXXX, Equifax XXXX XXXX  credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 they are suppose to 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: RENASANT CORPORATION
State: NC

Complaint narrative:
Renasant back is reporting that my loan payment was 30 days late for XXXX, XXXX  but my loan was sold to XXXX XXXX  on XX/XX/year> and my first payment with them was due XXXX, XXXX, they did change the status from 60 days to 30 days but I contest it was not even 30 days late since my XXXX XXXX payment was due XX/XX/year> and according to renasant bank my payment was due XXXX XXXX but since I was due with pennymac on XXXX, XXXX XXXX  which according to renasant bank that payment would have been 39 days late at that point but how is that possible when my pennymac payment was due XX/XX/year> and XXXX paid the loan in full before my payment was overdue

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-09-10 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: TX

Complaint narrative:
I am disputing multiple inaccurate accounts on my credit report. I previously submitted disputes directly to the credit bureau ( XXXX ), but they were marked as verified without providing any supporting documentation from the furnishers. This violates the Fair Credit Reporting Act ( FCRA ) XXXX, which requires a reasonable reinvestigation and disclosure of the method of verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I HAVE BEEN TRYING TO GET THIS OFF OF MY CREDIT REPORT AND THE CREDIT BUREAUS HAVE FAILED OT PROVIDE ME THE VERIFICATION OF THE COLLECTIONS FROM LVNV FUNDING. 

LVNV FUNDING LLC XXXX I have no idea what this account is LVNV FUNDING LLC XXXX I have no idea what this account is THESE XXXX COLLECTIONS ARE A TOTAL OF AN ALLEGED AMOUNT OF OVER {$3000.00}!!! THIS IS HURTING ME FROM BEING ABLE TO MOVE MY FAMILY INTO A BIGGER PLACE AND ALSO TO IT IS INSULTING MY CREDIT HEALTH AND ALSO THE INTEGRITY OF MY FINANCIAL STATUS THIS IS ALSO HINDERING ME FROM RECEIVING A PROMOTION TO A BETTER POSITION IN MY COMPANY. PLEASE HELP ME RID OF THIS STRESSFUL SITUATION I XXXX BEEN DEALING WITH SINCE XXXX OF THIS YEAR

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I recently received a letter from Comenity Capital Bank or Bread Financial that an application for a XXXX XXXX XXXX Credit Card was denied. Reason for denial : Unable to obtain XXXX XXXX. I never applied for a credit card with this company. This is a fraudulent effort by someone to obtain a credit card with my personal data. I contacted the mentioned company for additional information as to where the application originated, in order to prevent further fraud attempts. Company is unwilling to initiate an investigation, nor will they provide information about the location of origination. I would like to submit an urgent complaint noting that the firm ( Comenity Capital Bank or Bread Financial ) is refusing to prevent fraudulent activities with their credit card applications.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I added money from my XXXX of {$150.00} ( my work app that allows me to access same day funds ), @ XXXX PM. Then exactly XXXX hours later I go to use my card at a book store, to find my account has been restricted. I called & asked why, they asked for legal documentation to prove my identity. I sent them all the documentation they asked for. I checked my app the find they permanently closed my account. I called back and they refused to give me an answer as to why, they claimed it was part of their policy. I have uploaded everything from bank statements, social security card, front and back of ID. I even offered to supply further documentation upon request. They have all my money on hold for XXXX  days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: NC

Complaint narrative:
/XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXXXXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX /Account Number : Employers : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
/XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXXXXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX /Account Number : Employers : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-09-10 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: MS

Complaint narrative:
This is a formal dispute of multiple accounts being reported in my name without my authorization. I did not open, apply for, or manage these accounts, and I have no relationship with the reported creditors. Their presence on my credit report is inaccurate, misleading, and has caused measurable harm to my creditworthiness and wellbeing.

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 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) 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 XXXX pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) 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 2025-09-10 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: MD

Complaint narrative:
It is disheartening to discover that despite my thorough review of the updated report, inaccuracies still persist. As per the Fair Credit Reporting Act, it is your legal obligation to ensure that the information reported is accurate and complete. 

Regrettably, my repeated requests to rectify these issues have been disregarded, causing me significant hardship and distress. In my previous correspondence, I explicitly stated that I did not provide consent for the information in question to be furnished, which is a direct violation of FCRA 604, " Permissible purposes of consumer reports. '' I demanded verifiable proof of my consent, which you have failed to provide. Consequently, in accordance with FCRA 609, " Disclosures to consumers, '' I assert that this account must be immediately removed from my credit report.

Company response to consumer: Closed with non-monetary relief