vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc.
State: KY

Complaint narrative:
I am requesting the full removal of a {$160.00} collection account being reported by AMSher Collection Services on behalf of XXXX XXXX XXXX XXXX This collection is inaccurate for the following reasons : 1. The debt was paid. I continued using my XXXX XXXX service through 2024, and I have attached payment confirmations showing active billing and payment history, including a payment on XX/XX/year>, for {$39.00}. My phone number was transferred on the same date, closing my account properly. This proves the account was active and paid beyond the date it was supposedly charged off. 
2. The account should never have gone to collections. XXXX continued billing and accepting payments through the end of my service. I was never notified of an outstanding balance or sent to collections during this time. The collection was not disclosed to me and was reported without proper validation or notice. 
3. The balance is incorrect. The original debt listed as {$160.00} does not match any unpaid charges on my XXXX XXXX account. My final payment covered the full amount due, and there are no outstanding or prorated charges on my final statement. 
4. The account was previously disputed and marked resolved without correcting the inaccuracy. This suggests XXXX did not conduct a proper reinvestigation in accordance with the Fair Credit Reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: LA

Complaint narrative:
Hello Recently I notice a drop in my credit score, and several alerts of dropping credit score. After contacting Transunion it was determined that a loan is showing on my report double. I currently have 2 loans with Mohela and automatic payment are taken out monthly on the XXXX of each month. Currently it shows a loan for department of educationXXXX for {$9700.00} ( duplicate ) and 2 for Mohela {$9500.00} and Mohela {$8900.00} currently paying. I am also disputing the duplicate report of {$9700.00}. However after staying on hold over 2 hours I have grown extremely disappointed with Mohela and the ability to get assistance. My complaint and concern is the following I need this duplicate loan removed and my credit score to go back up. 2nd after reviewing this information on department of education, I should be in loan forgiveness program for at least 3 years and there are no payments showing toward 120 payments which is another concern because I have spoke to several agents regarding this matter. Lastly, I need everyones assistance in this matter. I am being punished for someones elses actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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:
Upon reviewing my recent credit report, I discovered unauthorized accounts and/or inquiries that I did not initiate or authorize.

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
HI, I'm a victim of XX/XX/XXXX with 605c. Attached, you will find all the documents necessary in order to please process my request of blocking the fraudulent and incorrect information that is reporting on my credit profile, I need to get this problem fixed so I can move on with my life.

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 2025-05-20 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: Block, Inc.
State: GA

Complaint narrative:
I have been with this cash apps company for many many years and out of nowhere I wasnt able to use my debit card Ive asked for some help to see why it wont allow me to swipe or access my card and they were of no help. They completely disregarded my concerns and I requested a number to speak to an agent and was told there are no live agents to accommodate my needs which is beyond ridiculous! I have a business and use my account as payment to my clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: U.S. BANCORP
State: MO

Complaint narrative:
On XX/XX/2025, physician 's office ( XXXX XXXX XXXX ) was contacted and I spoke with staff assistant ( XXXX XXXX to discuss appointment availability. The staff assistant ( XXXX XXXX said she must gather some additional personal information to avoid violating XXXX privacy laws and place my US Bank XXXX card information on file to schedule an appointment. XXXX never gained my permission and I did not grant her any authorization to manually enter my US Bank XXXX card to initiate a charge of {$300.00} to set an office appointment. I was surprised once made aware that on XX/XX/2025, US Bank posted and paid the {$300.00} unauthorized charge initiated by staff assistant, XXXX to XXXX XXXX XXXX 's office. I begin to continuously contact XXXX XXXX 's office to dispute the unauthorized {$300.00} charge initiated by XXXX, his staff assistant. I continuously requested to escalate this dispute immediately to the office XXXX ( XXXX ) and cancel any office appointment that XXXX previously set because she had failed to disclose any charges would be placed on my US Bank XXXX card to set an office appointment. On XX/XX/2025, the staff assistant XXXX of XXXX XXXX XXXX 's office called me back after personally visiting and left a voicemail confirming the office is now aware of my request to cancel the previously scheduled appointment and my request for them to immediately reverse the unauthorized charge of {$300.00} on my US Bank XXXX card. To date, US Bank concludes they're in favor of the merchant ( XXXX XXXX XXXX ) and the {$300.00} unauthorized transaction remains posted as of XX/XX/2025 to my US Bank XXXX card account. US Bank is now demanding that I make payments to resolve the account balance which is a result of only the {$300.00} unauthorized charge by staff of XXXX XXXX XXXX XXXX office. I do not agree with US Banks ' determination in favor of the merchant, XXXX XXXX XXXX. I am continuing to dispute this unauthorized transaction of {$300.00} from XX/XX/2025 and I am not comfortable and not willing to make payments to resolve my US Bank XXXX card balance resulting from only the {$300.00} unauthorized transaction. In addition, I'm experiencing federal employment insecurity and additional losses due to a recent natural disaster currently devastating the region in which I reside. Please help.

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 2025-05-20 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: MI

Complaint narrative:
I am filing this complaint because Equifax is reporting multiple inaccurate items on my credit report and has not corrected them despite my formal dispute. The errors include incorrect personal information, a collection account that does not belong to me, and unauthorized credit inquiries. 

Personal Information Errors : Equifax lists outdated addresses on my credit file. For example, it shows XXXX XXXX XXXX, XXXX, MI XXXX as my current address ( which is incorrect I no longer live there ) and XXXX XXXX XXXX XXXX XXXX, XXXX, MI as a previous address ( which is outdated ). These addresses are inaccurate and should have been removed, as the Fair Credit Reporting Act ( FCRA ) requires credit bureaus to assure maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ). 

Disputed Account : Equifax is reporting a collection account that is not mine. Specifically, XXXX XXXX XXXX ( Acct No. ending XXXX ) is listed as a collection/charge-off for {$1300.00} ( opened around XX/XX/XXXX ). I have no connection to this debt. It is false and unverifiable. Under FCRA 611 ( a ) ( 5 ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ), any information that can not be verified must be deleted. I disputed this account, yet Equifax has not removed it. 

Unauthorized Inquiries : My Equifax report also shows hard inquiries that I never authorized. In particular, XXXX XXXX on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX appear on my credit file even though I did not apply for credit with those companies on those dates. There were no resulting accounts from these inquiries, indicating they had no permissible purpose ( a violation of 15 U.S.C. 1681b ). These inquiries should have been deleted as unauthorized. 

Equifaxs failure to remove or correct these items after my dispute violates the FCRA. Equifax did not ensure maximum possible accuracy of my report ( 15 U.S.C. 1681e ( b ) ), nor did it properly reinvestigate and delete the disputed errors ( 15 U.S.C. 1681i ). Furthermore, the furnishers of the incorrect account and inquiry information are not meeting their obligations to report accurate information ( 15 U.S.C. 1681s-2 ), yet Equifax continues to report these items. I request the full deletion of any unverifiable or inaccurate data in my Equifax file, as required by FCRA 611 ( a ) ( 5 ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
Ally Financial Changed the Terms of my lease extension In XXXX of 2023, I signed a lease extension. I was told I had up to 6 months to extend in whatever term I wanted. I extended for 2 months, I was told I could extend 2 more times up to XXXX months. 

When the first 2 months finished, I told Ally I would like to extend for another XXXX months ( month XXXX and XXXX ). That is when the pricing changed and I received a new lease. I refused to sign it. They sent me a bill for more money than months XXXX and XXXX. I begrudgingly paid it. Then month XXXX came and they would not renew ... they started charging me by the day. The fees were outlandish. 

I contacted the company, numerous times. I was dealing with off-shore call centers, I was not getting anywhere. I wrote to the company and thought I was getting somewhere then the person I was speaking to went silent. Every time I called Ally I had to start all over. I was going nowhere.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-21 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:
XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/XXXX Dear ( EXPERIAN ), I have reviewed my report recently. There were names and addresses on it that are incorrect - spelling errors or just plain wrong from my credit report, as allowed by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and the Metro 2 credit reporting guidelines. It has come to my attention that the following information on my credit report is incorrect : PLEASE FIX EVERYTHING IN MY PERSONAL INFORMATION THAT IS NOT THE FOLLOWING : 1. PLEASE UPDATE MY NAME TO : XXXX XXXX 2. PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX, Texas XXXX 3. MY ONLY SOCIAL SECURITY NUMBER : SS # : XXXX 4. MY ONLY AND CORRECT DATE OF BIRTH : Date of Birth : XX/XX/XXXX XXXX. MY ONLY EMPLOYER IS : N/A I DO NOT WISH TO HAVE MY PHONE NUMBER LISTED ON MY REPORT. 

Moreover, I request the removal of any other personal information currently listed on my credit report that is inaccurate and does not pertain to me. Specifically, I demand the removal of all other addresses from my report, as they are not deliverable to me by the XXXX XXXX XXXX and are not reportable under the FCRA due to their inaccuracy. 

I have attached a copy of my identification card and a recent { bank statement/utility bill/ID } for verification purposes, as required by the FCRA. 

Under the FCRA Section 611 ( a ) ( 1 ) ( A ), I am entitled to a free copy of my credit report once you have completed the necessary updates. Kindly provide me with an updated credit report so that I may verify its accuracy.

As the FCRA stipulates, if you are unable to complete the investigation within the XXXX timeframe, you must remove the disputed information from my credit report. Additionally, I would like to remind you that under the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you are required to notify me of the results of the investigation within XXXX business days after it is completed. 



Thank you for your assistance in resolving this dispute. I look forward to receiving an updated credit report from your agency. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: GA

Complaint narrative:
I filed a FTC report due to unauthorized accounts on my credit report and Im making a complaint because it was never fixed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: GA

Complaint narrative:
I filed a FTC report due to unauthorized accounts on my credit report and Im making a complaint because it was never fixed.

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: United PanAm Financial Corp.
State: FL

Complaint narrative:
Company : United Auto Credit XXXX : Incorrect or missing account information Description : I have an active auto loan with United Auto Credit since XX/XX/XXXX. I have made all payments on time, but my credit report only shows activity until XX/XX/XXXX. No payment history is reflected from XX/XX/XXXX through XX/XX/XXXX. 

I called United Auto Credit, and they refused to assist or investigate. They simply told me to dispute it, despite the fact that they are responsible for accurately reporting data. 

I am requesting CFPB assistance in getting this auto loan payment history accurately reported to all three credit bureaus ( XXXX XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
We have an online savings account with Marcus by Goldman Sachs. On XX/XX/XXXX, I called the XXXX number to initiate a wire transfer for $ XXXX to my XXXX Account for a house closing planned for XX/XX/XXXX. On the bank website, it stated that a wire transfer can take XXXX days. Since my closing was XXXX XXXX away, I felt that we had sufficient time. The money never got transferred to my XXXX account. Every time we called to inquire on status or escalate the issue, we received no help. The Reps kept mentioning they had no way to contact the " back office '' where the transfer activity is actually processed. Additionally, Everytime we called the customer service number, we received mixed information. Some of the Reps would say that the transfer was complete and some would it was on hold. I can't XXXX a bank as large would have this much difficulty to complete such a stranded banking activity. The wire didn't complete by XX/XX/XXXX and our closing was impacted. Further, Goldman could not explain what happened and why the request didn't complete as intended. This issue is apparently is common to XXXX as I found several others who complained about the same thing on several websites. I would hate for anyone to go through what we went through and really would like help in holding the bank accountable for their negligence. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
In XX/XX/XXXX, I created an XXXX account. After doing so, I clicked on the advertisement to get an XXXX XXXX XXXX XXXX from XXXX, which was supposed to provide XXXX rewards through purchases on the card that my wife could use since she shops a lot at XXXX. 

Key point, I clicked the link from my XXXX account, which took me to the XXXX website to apply for the card, which I did. I was approved and received the card within a few weeks. 

Over the next XXXX months, my wife and I spent well over {$12000.00} on the card and made our payments on a regular basis. 

However, in XXXX of XXXX when we went to use all the rewards we felt we had been earning, my XXXX account showed nothing. 

After calling Comenity and XXXX at least XXXX XXXX over the period of a few days, each of them claiming it was the other company 's problem to fix, I finally got ahold of someone at XXXX that realized the problem was that my XXXX account number was never associated with my XXXX XXXX XXXX from XXXX. 

It took several more days for them to go through back channels and have XXXX reissue a new card with my XXXX account number associated with it. 

When I asked about all the rewards I did not get, XXXX claimed they couldn't do anything about it, they depended on XXXX to tell them how much a member was spending in order for them to award the points. 

XXXX claimed it wasn't their problem because they do not give out the rewards. 

It's my assertion that XXXX should never have issued the credit card knowing it was not associated with an XXXX account, and therefore was not earning the rewards that the card was specifically meant to provide. 

I've done a simple look at the rewards program. Given that the rewards multiplied the more you spent, and given that there were frequent gifts on upper tiers that we would have been in, I have estimated the loss in rewards to be at least {$2000.00}, and likely more.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
I have disputed this account serveral times in the last 6 months. You can see my record in cfpb and you can see information was disputed on credit reports in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and the list goes on. I have also called in XXXX the lender. The lender reported to all 3 bureaus that the information is accurate. I explain to the representative that I could not be late due to be on the XXXX plan since finishing school at XXXX XXXX XXXX. I was told the information was correct but it was still accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: FL

Complaint narrative:
This seems like its identity theft, this account was not taken out by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: PR

Complaint narrative:
The account is not mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX And XXXX XXXX XXXX XXXX  Date Opened XXXX2022 Account XXXXXXXX XXXX XXXX XXXX XXXX  Loan Type Government Individual Account- Overpayment Original {$1500.00} Past Due {$2400.00}

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 2025-05-20 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: Coinbase, Inc.
State: IN

Complaint narrative:
I am not able to cash out, buy, sell, or transfer out of my wallet. I have been in touch with coinbase and they can not fix it. I want to cash out and close my account. We have been thru all troubleshooting steps and I have used a computer and mobile device and still can not access my money. This has been over a month.

Company response to consumer: Closed with explanation