vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENCORE CAPITAL GROUP INC.
State: ND

Complaint narrative:
Hello, my name.is XXXX XXXX, yes, midland credit management , inc. Is taking me to court for a credit card account for {$990.00}. According to the paperwork they have bought the debt from 4 different companies including the original company XXXX  XXXX  XXXX. This company took me to court back in 2022 for the same thing and it was dealt with at that time. I paid the company 1 payment for 3 months to deal with this debt. It seems they are trying to take me to court again for the same thing I already paid off. So this account should be closed. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc.
State: PA

Complaint narrative:
I have a cash app account I made in XXXX  and I went to prison unexpectedly in the middle of XXXX  and when I got out recently my account was blocked. I explained that I had my money that I needed for my rent in the account still. Over XXXX. I told them my entire story, proved to them my identity. Then filed an appeal to get it opened back up. Then I was denied without reason other than " the account was blocked do to a policy violation '' I then again called over 5 times and used there XXXX messaging customer service probably XXXX different times explaining my situation and everyone said they can't help me. So then I filed another appeal just to get access to be able to withdraw my money and I'm still getting the " go around '' can someone please help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: VA

Complaint narrative:
Upon calling MOHELA to continue trying to rectify an unresolved problem, I was informed that there was a balance on my account. I have been paying every two weeks for years and have always had paid ahead status. My most recent statement dated XXXX states no payment due until XXXX. MOHELA is saying I now have payment due XXXX. Upon speaking with a representative, they told me that paid ahead/advanced payment was taken off of my account. I did not request this. They have not changed it back despite calling 3 times. ( XXXX twice and XXXX ). I was hung up on twice and sent to a survey. The last representative tried but did not resolve the issue.

Company response to consumer: In progress
Consumer complaint received 2025-09-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Amsher Collection Services, Inc.
State: IL

Complaint narrative:
On XX/XX/year>, I received a letter on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
The letter was signed not by an attorney, but by XXXX XXXX, Collection Manager. 
There is no disclaimer stating that no attorney reviewed my file. 
This creates the false impression of attorney involvement, which is a violation of FDCPA 1692e ( 3 ) ( false representation that communication is from an attorney ).

If the firms attorneys did not review my account, then either AmSher is misusing their law firms letterhead to intimidate consumers, or XXXX XXXX is allowing letters to go out without attorney oversight. Either scenario warrants investigation. 



Defective Verification Documentation Alongside the letter, they provided what they called verification of debt. 
The document appears to be a computer-generated data export or XXXX screen print, not an authentic billing statement. 
Red flags include : My last name listed as XXXX| with a stray | symbol, indicating manual typing or editing error. 
Dozens of installment charges all listed on the same day, inconsistent with XXXX  monthly billing practices. 
Random credits/debits ( -19.99, -2.77, -3.86, etc. ) with no explanation.

Despite this, the law office letter falsely claims this satisfies the requirements of applicable law. This misrepresentation is deceptive under FDCPA 1692e ( 10 ).

The combined effect of ( 1 ) law firm letterhead with no meaningful attorney review and ( 2 ) unreliable computer-generated documents being passed off as legally sufficient creates a false sense of legitimacy designed to intimidate consumers into paying alleged debts. 

This practice is deceptive, misleading, and potentially constitutes unauthorized practice of law if non-attorney staff are sending legal letters on behalf of a law firm.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: FL

Complaint narrative:
I am disputing a debt that I do NOT owe. I am not liable for this debt with XXXX XXXX I do NOT have any contract with collection agency IQ DATA INTERNATIONAL and they have failed to provide proper proof of responsibility. Despite this, they continue collection attempts, causing stress and potential harm to my credit. Further, under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), any negative reporting related to this alleged account must be removed if the debt can not be verified. I request that IQ DATA INTERNATIONAL immediately cease collection efforts and correct any inaccurate credit reporting tied to this account be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Subject : Urgent Dispute of Credit Information TransUnion Data Breach Victim To Whom It May Concern, I am writing to notify you that I am a victim of the TransUnion data breach, which compromised my personal information without my authorization or consent. Due to this breach, I am now disputing the accuracy and legitimacy of all negative and unauthorized information currently present on my credit report.

Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate and correct any disputed information. I am demanding the immediate removal of all fraudulent, inaccurate, or unverifiable accounts, inquiries, or negative items associated with my file.

I further request that this investigation be expedited and resolved within 4 business days due to the urgent nature of this breach and the ongoing risk of continued fraud against me.

Specifically, I require TransUnion to : 1. Remove all accounts, collections, inquiries, or other entries that are not 100 % verifiable as accurate and authorized by me.

2. Provide me with written confirmation that these items have been deleted.

3. Supply me with an updated copy of my corrected credit report at no cost.

4. Place a fraud alert on my credit file to prevent further unauthorized activity. 

I am including copies of my government-issued ID and proof of address to confirm my identity. 

Failure to act within the required timeframe may result in me filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Texas Attorney Generals Office for noncompliance.

I expect full compliance and a written response confirming these removals. 

Sincerely, 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 2025-09-28 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: SANTANDER HOLDINGS USA, INC.
State: OR

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX  ] [ XXXX, OR XXXX ] [ XX/XX/XXXX ] XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX Subject : Urgent Dispute of Fraudulent Information under FCRA XXXX  Data Breach To Whom It May Concern, I am writing to formally dispute inaccurate, fraudulent, and unauthorized items on my credit report that I believe resulted from the recent XXXX  data breach. My personal identifying information may have been compromised, and as such, I assert that the following accounts/entries are fraudulent : [ SANTANDER CONSUMER USA / entry # 1 ] [ XXXX XXXX XXXX  / entry # 2 ] [ XXXX XXXX  / entry # 3 ] [ XXXX  XXXX / entry # 4 ] [ XXXX  / entry # 5 ] [ XXXX XXXX XXXX / entry # 6 ] [ XXXX XXXX XXXX / entry # 7 ] Under Section 611 of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ), I am exercising my right to dispute any information on my credit report that is incomplete or inaccurate. I request that XXXX  investigate these items immediately, remove any fraudulent accounts, and provide written confirmation of the results of your investigation.

I am also invoking my rights under the FCRA to place a fraud alert on my credit file and request that you treat all items resulting from this breach as unauthorized and fraudulent until verified otherwise.

Enclosed are the following supporting documents to assist your investigation : A copy of my government-issued ID Proof of current address ( utility bill, bank statement, etc. ) Documentation of the fraudulent accounts ( if available ) Any notification of breach from XXXX  I demand that all fraudulent accounts and entries be removed or corrected immediately in accordance with FCRA Section 611 ( a ) ( 5 ) ( A ) and that I receive written confirmation of the correction within the shortest possible time frame.

Please acknowledge receipt of this dispute and provide an update on your investigation promptly. If you require further documentation, I am willing to provide additional proof of identity and evidence of fraud. 

Sincerely, [ XXXX XXXX ] [ XXXX XXXX ] [ XXXX ] [ XX/XX/XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CO

Complaint narrative:
So I have chime bank. Ive had them for over three years and I had to order a new card because somebody my numbers on my card with no permission charge my bank account and chime will not give me my money back. I even have them block the merchant and order a new card and they still not refund me my money. I am now looking elsewhere for another bank because {$86.00} is a lot of money to be without when you did not approve the transaction and they closed my dispute and will not taking consideration that I reported it and even asked them to block the merchant to send me a new card so nobody else had that number

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
this was paid in full on time, but still show on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I created a Capital One Shopping account, to take advantage of a XXXX XXXX offer that provides {$90.00} cashback. I created the account on XX/XX/XXXX and made the purchase on XX/XX/XXXX. Then XXXX ) the purchase did not track, and XXXX ) my account was terminated on XX/XX/XXXX for no valid reason. Capital One provided a generic email accusing me of doing fraud or reselling, none of which applies to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: TN

Complaint narrative:
I filed disputes on charges I didn't make then I didn't receive a order the company said to dispute with chime they denied and now charging me twice when I have done paid for it and never received a refund

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The Consumer Financial Protection Bureau ( CFPB ) issued a final rule amending Regulation V, XX/XX/XXXX, which implements the Fair Credit Reporting Act ( FCRA ), concerning medical information. 
The CFPBs action will ban the inclusion of medical bills on credit reports used by lenders and prohibit lenders from using medical information in their lending decisions. 
The CFPBs action follows changes made by the XXXX XXXX XXXX XXXX XXXX Equifax, Experian, and TransUnion XXXX. XXXX XXXX XXXX Last reported XX/XX/XXXX Open balance {$530.00} Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type Medical XXXX XXXX XXXX XXXX XXXX reported XX/XX/XXXX Open balance {$1200.00} Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type Medical

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 2025-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The Consumer Financial Protection Bureau ( CFPB ) issued a final rule amending Regulation V, XX/XX/XXXX, which implements the Fair Credit Reporting Act ( FCRA ), concerning medical information. 
The CFPBs action will ban the inclusion of medical bills on credit reports used by lenders and prohibit lenders from using medical information in their lending decisions. 
The CFPBs action follows changes made by the XXXX XXXX XXXX XXXX XXXX Equifax, Experian, and TransUnion XXXX. XXXX XXXX XXXX Last reported XX/XX/XXXX Open balance {$530.00} Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type Medical XXXX XXXX XXXX XXXX XXXX reported XX/XX/XXXX Open balance {$1200.00} Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type Medical

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 2025-09-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: NC

Complaint narrative:
I knew a charge from XXXX was coming due that I did not have the money to pay. So I reported my card lost/stolen to prevent this charge from happening. The card was in fact declined the first time, which is what was intended. However, when the charge was attempted again, the charge for {$2400.00} went through on XXXX. 

How can Discover let a charge go through that was on an old card? XXXX was never given my new card number by me. I tried to get XXXX to reverse the charge and they said to talk to the credit card company, and offered no resolution for me. I then put in a dispute with Discover on XXXX for the charge with XXXX. On XXXX Discover found the charge to be valid with XXXX. 

The real issue here is that Discover let XXXX charge my new card number, which I did not give out, for a charge that can not be paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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:
The Consumer Financial Protection Bureau ( CFPB ) issued a final rule amending Regulation V, XX/XX/XXXX, which implements the Fair Credit Reporting Act ( FCRA ), concerning medical information. 
The CFPBs action will ban the inclusion of medical bills on credit reports used by lenders and prohibit lenders from using medical information in their lending decisions. 
The CFPBs action follows changes made by the XXXX XXXX XXXX XXXX XXXX Equifax, Experian, and TransUnion XXXX. XXXX XXXX XXXX Last reported XX/XX/XXXX Open balance {$530.00} Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type Medical XXXX XXXX XXXX XXXX XXXX reported XX/XX/XXXX Open balance {$1200.00} Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type Medical

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-28 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:
My Equifax credit report is missing 12 months of accurate updates for my XXXX XXXX account ( Acct # XXXX. XXXX  and XXXX  show consistent monthly reporting through XXXX, but Equifax has not updated this account since XX/XX/XXXX. 

This is inaccurate and misleading because it omits a year of positive payment history. It harms my creditworthiness by showing the account as stale. 

I attempted to dispute this through Equifaxs online system, but they block meaningful dispute categories and only allow me to select irrelevant options such as activity designator or type of loan. This prevents me from exercising my rights under FCRA 1681i to dispute inaccurate and incomplete information.

Under FCRA 1681e ( b ), Equifax must ensure maximum possible accuracy. Under Metro 2 standards, furnishers are required to report consistent data across all CRAs. Since XXXX  and XXXX  both reflect current activity, the missing history on Equifax is a compliance failure. 

I am requesting that CFPB require Equifax to : XXXX. Correct and refresh my TD Bank tradeline to include all missing history from XX/XX/XXXX through present. 
2. Provide me with a corrected credit report.

3. Address why their dispute portal blocks consumers from disputing missing history or ongoing reporting issues, forcing disputes into irrelevant categories.

This is an ongoing problem with Equifax where they fail to update accounts accurately and then block consumers from disputing the issue directly. 

Attachments : XXXX  screenshot showing XXXX XXXX  updated through XXXX. 
XXXX  screenshot showing XXXX XXXX  updated through XXXX. 
EQ screenshot showing last update XX/XX/XXXX. 
EQ dispute screen showing blocked categories.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: GA

Complaint narrative:
XXXX is an online XXXX  company that went out of business back in XXXX. As a last-ditch attempt to secure funds, they charged individuals credit cards without their permission ( some as high as XXXX ). I have reported roughly XXXX in fraudulent transactions to Discover who wiped the charges. 

Discover has stated about XXXX at this point that I will not be responsible for these charges and that the credits are permanent, however every 90 days they seem to reappear on the account with no justification. I just received a bill for one of them that appeared from back in XXXX. Discover is being incredibly unqualified and shady about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I been contacted by a LVNV Funding. It is a third party that I have never done any business with or signed any contracts to pay any debts to. They have six entries on my credit report. I used the credit reporting agencies dispute process to have these entries removed since I have done any business with LVNV. These entries have not been removed or is there any proof given of me signing any agreements to pay them. I am asking that proof be given and if not for these entries to be removed from all my credit reports. Also I was not notified within the 30 days it is required to provide proof since I have never received any communication showing any definitive proof of any dealings with LVNV Funding.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.
State: AZ

Complaint narrative:
I executed a Bitcoin purchase on Coinbase on XX/XX/year> at XXXX XXXX  EST. At the time, the market price of Bitcoin across major exchanges ( including Coinbases own published price charts ) was under {$110000.00}. 

However, my order was executed at {$110000.00}, well above the prevailing market price. This execution price was not reflected on any reputable market data sources for that time. Coinbase has not provided a reasonable explanation for why my transaction cleared at that higher level. 

This discrepancy raises concerns of unfair trade execution practices and possible misrepresentation of prices. I have screenshots and transaction records showing : Time of order placement and execution ( XXXX XXXX  ET ). 

Executed price ( {$110000.00} ). 

Independent market data showing Bitcoin trading below {$110000.00} at that time. 

I attempted to resolve this with Coinbase customer support, but the representative did not have the authority to investigate or correct the issue. I am seeking a formal review and appropriate resolution ( refund, credit, or explanation ) for the mispriced execution. 


Coinbase doesn't send chat transcripts, so I can't provide their help desk solutions Coinbase Transaction Information : Reference code XXXX Price {$110000.00} Payment method XXXX - XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX XXXXXXXX Fee {$180.00} Subtotal {$9800.00} Total {$10000.00} Date XXXX XXXX  XX/XX/year> Status Completed

Company response to consumer: Closed with explanation