vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am reaching out to formally dispute fraudulent information appearing on my credit report, pursuant to 15 U.S.C. 1681c-2. I am requesting that this information be blocked or removed immediately. Attached to this letter is my Police Report ( Police Report Number : XXXX ) as evidence of my claim. 
According to the referenced law, when a consumer submits a valid identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within four ( 4 ) business days.

The following account listed on my credit report is the direct result of identity theft and must be blocked immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with 15 U.S.C. 1681c-2, I respectfully request that this account be blocked from my credit file without delay. The block should remain in place for a period of one year, with the option to extend if needed. During this period, no information related to this account may be reported. 
I have made multiple attempts to contact EXPERIAN to report this issue, but I have not received a clear or satisfactory resolution. I am currently going through a difficult financial time, and these accounts are seriously affecting my ability to achieve financial stability for myself and my family. It's important to note that other credit bureaus have already removed these accounts due to lack of verification, so I do not understand why this agency continues to report them as valid. Furthermore, I requested copies of any contracts or documents supposedly linking me to these accounts, and more than 60 days have passed without a response. I kindly ask for your support and understanding, and I urge you to take immediate action to block or remove these accounts. This situation is causing significant personal and financial harm.

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 2025-11-12 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I moved from the XXXX XXXX at the end of my lease. I moved, and i noticed on the credit report stating that i owe them for a utility bill. I wasn't aware i owed that bill. I called the XXXX XXXX  to find out the details. XXXX XXXX told me, they are no longer handling the bill. i have to call the creditor/lawyer who has the bill to figure out payment arraignments. They gave me the number to speak with a lawyer. they didn't tell me who he or she was. They told me to call them. I tried calling to find out about it. I called the several times, no one picked up the phone. I really didn't know what to think, and i still dont. I was not giving any documentation to go back to reffer about what i am being billed for. I really can't say its mine when they have made themselves unavailable to produce the correct documantion so i can dispute the information they have.

NATIONAL CREDIT SYSTEMS INC posted this along with another account : The amount they claiming i owe them is {$150.00}. the debt was posted : XX/XX/year>. I cant acknowledge a debt without seeing the correct documentation. I have a problem with it. It is an error that is causing my score to be lower that what its supposed to be. The information is false as far as I am concerned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: SD

Complaint narrative:
Citi bank first froze my account and held my funds from me now they closed my account without out my consent and I still havent recieved my funds

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 2025-11-12 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: CITIBANK, N.A.
State: GA

Complaint narrative:
Summary ( full document with proof is attached ) : XXXX cancelled my reservation without my permission rather than fix the air conditioning. 
I have proof that they cancelled - both written/chat and phone call recordings. 
Citi Bank was provided this information within XXXX weeks of the dispute and never properly reviewed this information. They sided with XXXX, saying that I did not cancel according to policy but I never cancelled. They are the ones that cancelled and left me stranded in a foreign country. 

I have made repeated calls to Citi Bank and initially they claimed I submitted too much information and that was why it was not reviewed. The second call the representative claimed it was not processed correctly. The third call they claimed that I had not submitted enough information in a timely manner and that is why I was turned down. I have proof that it was gathered and submitted in a timely manner and recordings of all the calls with Citi Bank providing me with conflicting information. 

In both situations I followed all policies and did everything I could to remedy this situation but neither XXXX nor Citi Bank has assisted me in reclaiming the thousands of dollars lost due to XXXX 's error, let alone the extra costs of hotels and food while I was stranded.

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 monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX, I purchased a {$500.00} Vanilla XXXX gift card by InComm at XXXX XXXX XXXX. When I attempted to use the card, it was declined. I contacted InComm, and they issued a replacement card, which arrived on XX/XX/XXXX. 

When I tried to activate the replacement over the phone, the system failed, and I was transferred to a representative. The agent opened Case # XXXX and instructed me to send the following : Copy of the purchase receipt Photos of both sides of the card Drivers license Utility bill I sent all requested documents along with my bank statement and a XXXX statement, all showing my home address. Despite providing complete documentation, InComm sent the following email on XX/XX/XXXX : We have reviewed your request for a Replacement and are writing to inform you that the request has been denied. 

We have denied this request as the mailing address provided is no longer a valid mailing address that we will send a Replacement to. Please provide a different valid mailing address as well as color ID and a piece of mail showing the current address for another review. 

While we aim for customer satisfaction, we must also ensure that both our customers and company are protected, leading to enhanced security measures in place for our products that do not appear to align with your desired product use. 
InComm, XX/XX/XXXX This denial is identical to the one I received in my previous CFPB complaint earlier this year, which the Bureau helped resolve in my favor for the same false invalid address reason. I have lived at the same address since XX/XX/XXXX and previously received a replacement card from InComm at this address. 

Key Issues : -InComm is again refusing to honor a legitimate {$500.00} Vanilla XXXX XXXX card purchase. 
-Their invalid address claim is false and has been disproven in a previous CFPB case. 
-I fully complied with all documentation requests, including multiple proofs of address. 
-This appears to be a recurring and systemic issue with InComms handling of Vanilla XXXX replacement requests.

Requested Resolution : I request that InComm be required to : Issue a valid replacement Vanilla XXXX for the {$500.00} XXXX purchased, activate my existing card or refund me the full {$500.00} amount. 

Fix the issue with my current address so that this does not happen again. 

I also request that the CFPB review InComms repeated use of false address denials as a possible unfair or deceptive business practice affecting other consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: FL

Complaint narrative:
I am disputing the following charged-off accounts and late payments on my TransUnion credit report : Charged-Off Accounts : XXXX XXXX XXXX XXXX XXXXXX/XX/year>, Balance : {$7000.00} Late Payments : 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 explanation
Consumer complaint received 2025-11-12 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: CA

Complaint narrative:
I am writing to formally dispute the following accounts on my credit report that I believe contain inaccuracies. These items do not accurately reflect my credit history, and I respectfully request that each of these items be reviewed and corrected to ensure they are accurately reflected in my credit report. If any information can not be verified, I request that it be removed from my credit report in compliance with the Fair Credit Reporting Act ( FCRA ). 
Charged-Off Accounts : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payments : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: CA

Complaint narrative:
I am a consumer who is actively working on fixing my credit. I have identified several discrepancies and inaccuracies on my credit reports with the XXXX major credit bureausXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and TransUnion ( XXXX ). Below are the details of the accounts I am disputing : TRANSUNION ( TU ) : XXXX XXXX Account Date : XXXX XXXX XXXX Account Date : XXXX Sterling XXXX Account Date : 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 2025-11-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX I received a notice from aidvantage that my deferment period was coming to an end. I spoke to them on the phone about what steps needed to be taken on XX/XX/XXXX. They provided me with a deferment request form I am still continuing my education and I sent them the supporting documents on XX/XX/XXXX. I returned this form filled out on XXXX. They said processing the form would take about XXXX business days. I called them to confirm that their was nothing on my end I needed to fill out the agent confirmed that it was just a waiting matter. I received a prompt from them saying that they need addtional information. I submitted this additional information on XX/XX/XXXX. I have not a heard a peep back from aidvantage. I check to see my score went down XXXX points and they havent processed my deferment. I have submitted all of the information asked of me. They have made a grave mistake on their end. On my end I have done everything asked of me. I am more than willing to show my aidvantage portal which keeps track of the dates of us communicating back and forth. I also have proof via my aidvantage portal that they have not reached back out to me regarding any additional further steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
Im writing to express my frustration and request immediate assistance regarding an issue with your Bill Pay service.

Earlier today, I attempted to send a bill pay check from my M & T account, but was blocked from doing so unless I contacted the Fraud Department. I have now been on hold for well over an hour without reaching a representative. I also contacted my local branch in hopes of resolving the issue, but they were unable to assist or escalate the matter. The local branch says my account is in good standing and they see nothing that should block the payment. 
This delay is unacceptable, especially for a time-sensitive payment. I would appreciate : - Immediate resolution or override of the fraud block so I can complete the transaction - Clarification on why this restriction was triggered - A more efficient process for resolving fraud-related holds in the future Please contact me as soon as possible to resolve this matter.

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 2025-11-12 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: OH

Complaint narrative:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: TX

Complaint narrative:
Recently I checked my Equifax credit report and see few inaccurate reports in my record and as a formal notice of violation of my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

The following accounts have violated my rights to privacy and confidentiality under 15 U.S.C. 1681 : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have been reported or verified inaccurately, and as such, are in direct violation of the FCRA. 

According to 15 U.S.C. 1681e ( b ), 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.

Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), If after any reinvestigation the disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency shall promptly delete or modify that item and notify the furnisher of the results.

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

These statutes clearly outline your responsibility to ensure the accuracy, privacy, and integrity of all consumer information you report or furnish. Failure to comply with these laws constitutes a violation of my federal rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to formally dispute certain accounts, inquiries, and late payments on my credit report that I believe contain inaccuracies. Below are the details of the disputed items, separated by credit bureau. 
Charged-Off Accounts : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$590.00} XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$77.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$480.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$330.00} Inquiries : Equifax ( XXXX ) XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX  ] Account Number : [ XXXX ] Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency.

FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information. 
TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. 
Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

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 2025-11-12 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: CBC Companies, Inc.
State: SC

Complaint narrative:
Last week, I filed a complaint with Innovis regarding fraudulent accounts on their consumer report version of me. They provided me with an updated report today. Innovis did in fact block most of the accounts identified but I notice " XXXX XXXX '' was not identified and blocked. This account is also fraudulent and I am requesting a block.

Company response to consumer: Closed with non-monetary relief