vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 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 another {$500.00} Vanilla XXXX gift card at the XXXX XXXX XXXX XXXX. When I attempted to use the card to buy groceries, the card immediately declined. 

I contacted InComm on XX/XX/XXXX, and they opened Case # XXXX. As with my previous cases, I was asked to submit : Photos of both sides of the card The purchase receipt My drivers license A utility bill I submitted the requested documentation. Despite this, on XX/XX/XXXX, InComm issued the same denial message they have sent in my past complaints, stating that my mailing address is no longer a valid address they will send a replacement to. This claim is false I have lived at the same address since XX/XX/XXXX, and the CFPB has already intervened in a prior complaint this year, resulting in InComm refunding the full value of another Vanilla XXXX after making the same false claim about my address. 

On XX/XX/XXXX, I again sent InComm all requested documents in full. Despite complying completely, they continue to deny my replacement request using the same form-letter response.

This is now the third Vanilla XXXX where InComm has refused to honor the funds by falsely claiming my valid home address is not acceptable. In at least one prior case, the CFPB resolved this in my favor and InComm refunded me the full amount, proving that their address claim is invalid.

I request that InComm be required to : Issue a valid, usable replacement card for the full {$500.00}, or Refund the full {$500.00} immediately.

Additionally, because this is now a repeat pattern affecting multiple cards, I request that the CFPB investigate InComms handling of Vanilla XXXX replacement requests for possible unfair or deceptive business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: NY

Complaint narrative:
I am a victim of identity theft and Experian has failed to properly block fraudulent information from my credit report under FCRA 605B, even after I submitted all required documents. I uploaded my FTC Identity Theft Report, my government ID, Social Security card, proof of address, and a written identity theft affidavit. Despite this, Experian continues to report fraudulent negative accounts and unauthorized hard inquiries that I did not open, authorize, or apply for. 

The fraudulent accounts still appearing include : XXXX XXXX late payments from an account I did not open XXXX XXXXXXXX XXXX XXXX a charge-off and past-due balance on an auto loan I never authorized Second XXXX XXXX XXXX XXXX account multiple late payments I did not make XXXX XXXX Communications collection account I do not owe XXXX XXXX Associates collection account that is not mine Experian is also reporting multiple unauthorized hard inquiries, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( multiple ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX These inquiries were made without my permission and were reported in my FTC identity theft submission. 

Under FCRA 605B, Experian is required to block identity-theft-related information within four business days once a consumer submits a valid identity theft report and proof of identity. I have already provided all required documentation, yet Experian has not blocked or removed the fraudulent items and continues to report them.

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 2025-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: Glacier Bancorp Inc.
State: WY

Complaint narrative:
In late XX/XX/2025, I was issued two certified cashiers check both in the amount of XXXX dollars. The funds were intended for my landlord as rent payments and were written out to specialty drywall. The bank later determined that the check had been routed incorrectly and returned. Instead of notifying me promptly and handling the issue internally, my landlord had to inform me of the banks error two months later.

My bank misrouted a check, reversed funds back into my account without informing me, and then gave conflicting information to both me and my landlord.

The bank placed the funds back in my account without any notice, written or verbal. I only learned of this after receiving multiple contradictory explanations.

A bank representative also contacted my landlord without my authorization and stated they could pull money from my account to pay him directly. My landlord did not authorize this, yet the bank later told me he had.

I am requesting the CFPBs help in obtaining : A complete written timeline Explanation of why the reversal happened without notice Clarification on whether any unauthorized transfers were attempted Assurance that the bank will not discuss my account with third parties without authorization The bank has provided inconsistent information, and I have been unable to get a straightforward explanation directly from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I have been on a forbearance plan since XX/XX/XXXX. The mortgage company reported a late payment for XX/XX/XXXX to the credit reporting agencies. Also in XXXX, they reported the incorrect balance on my mortgage account of {$500000.00}. The correct balance on my mortgage account is {$480000.00}. I contacted the mortgage company on XX/XX/XXXX via fax with a signed letter letting them know about these mistakes ( per their requirements ), and I received in response a letter from them, stating that they never reported a late payment for XXXX to the credit agencies. However, they never responded regarding the incorrect balance reported. I am unable to speak to anybody at the mortgage company about this issue, they only will allow correspondence via mail or fax. I then contacted all three credit reporting agencies and opened a dispute regarding these two issues on XX/XX/XXXX the credit agencies are getting the response from the mortgage company stating that the mortgage company never reported a late payment for XX/XX/XXXX, however the credit agencies state that the mortgage company did report a late payment for XXXX and that only the mortgage company can correct this mistake. I also need the balance corrected to be the correct amount of XXXX which only the mortgage company can correct. I also want to complain about the fact that I am unable to speak to anybody at the mortgage company about this issue, that is absolutely ridiculous.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: PA

Complaint narrative:
TransUnion credit report which I believe were made without a permissible purpose as required under 15 U.S. Code 1681b of the Fair Credit Reporting Act ( FCRA ). This federal law strictly limits when a consumer reporting agency may furnish a consumer report, such as instances where I have initiated a credit transaction, granted written authorization, or where another explicit permissible purpose applies.

I am also protected by The Privacy Act of 1974, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: NCB Management Services Inc.
State: NV

Complaint narrative:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within 30 days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute.

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within 30 days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: National Credit Systems,Inc.
State: TN

Complaint narrative:
I am disputing a collection account reported by my previous rental property and National Credit System/National Credit Systems .

The apartment landlord charged me for XXXX XXXX  cleanup and paint damage during move-out. These charges are inaccurate, unsupported, and not based on the actual condition of the property.

I am formally disputing an inaccurate entry appearing on my credit report related to a move-out balance claimed by The XXXX at XXXX associated collection agency This reported balance of {$640.00} is not valid and should be removed from my credit file. The charge is currently under formal dispute with the property management. I have attached documentation proving that these charges are unjustified and unverified.

Specifically : The alleged pest control and kitchen repair fees were not tenant-caused.

I had reported XXXX issues to the leasing office during my tenancy, but management failed to take timely action.

The kitchen surfaces were poorly sealed when we moved in, and normal use led to minor staining not damage.

The management team did not respond to multiple follow-ups from XXXX until mid-XXXX, despite repeated requests for clarification.

Attached are copies of my email correspondence showing that management did not address or validate the charges for nearly two months.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc.
State: WA

Complaint narrative:
So when you do a bitcoin transfer it on cash app it just says pending for a long time and you can upgrade and pay more fees to get it transferred faster well I was sitting here with a friend and we use another bitcoin wallet XXXX and we just use the standard normal econo fees or economic fees like the cheapest one it was I think XXXX cents and and there was a setting to go even cheaper but we just went with the standard cuz on cash app the standard is {$2.00} XXXX cents or something cash app says that the blockchain gets congested when everybody 's using it at the same time or something yada yada which is XXXX  XXXX because we used the other app after we made the transfer on cash app and that transfer went through almost immediately within minutes and cash app is still pending and they said oh well you can pay more fees and have it go through faster okay that doesn't make sense then how come the other one is like instant and if so then we tried it while it was still pending on cash app to send another one on XXXX  using the cheapest fees possible XXXX XXXX or whatever it was it was like XXXX cents or XXXX cents and it still went through in minutes an hour and a half later bitcoin transaction on cash app is still pending it's just a scam to get us to pay more for fees for transferring is all it is and and it's disgusting it wants to say the network is overloaded or congested then how is the possible that so many people can stream on XXXX online without having a problem how is it that anybody can send money through cash app from account to account with no issue

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Midwest Service Bureau, Inc.
State: FL

Complaint narrative:
Midwest Service Bureau contacts me daily. They call me, then send a text, and then an email, everyday. When I speak to the representative he is very pushy, I told him I will have to give him a call later, since I was getting a work call, and would not let me off the phone. I answered a phone call today he said immediately you cant keep ignoring us, we arent going to go away. This harassment goes on daily coming from different numbers, if I dont answer from the one number.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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:
With respect to those it this matter concerns, Upon examining my credit reports, I noticed that although you have not provided any evidence to support the accuracy of the debt, you are claiming that the following accounts are negatively impacted. Moreover, you claim to have complied with all legal and regulatory reporting requirements, thus you have to delete all negative and critical accounts. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under 15 USC 1666b, a creditor can not legally report a payment as late if they have not ensured that the periodic statement, containing the required information under section 1637 ( b ), was mailed or delivered to the consumer at least 21 days before the due date. Since the creditor failed to meet this obligation, I request that you update the late payments on my account to reflect positive, on-time payments. 
XXXX XXXXXXXXNEVER BEEN LATE You are aware that reporting any information that can not be independently verified is illegal. I need you to give me hard proof that I am responsible for those accounts in line with 15 USC 1692g.

You are also in violation of 15 USC 1681b because I have never given you or any of these companies formal permission to disclose any information on my credit report. This unjust and unfair treatment has caused me severe XXXX and 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 2025-12-03 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: CA

Complaint narrative:
With respect to those it this matter concerns, Upon examining my credit reports, I noticed that although you have not provided any evidence to support the accuracy of the debt, you are claiming that the following accounts are negatively impacted. Moreover, you claim to have complied with all legal and regulatory reporting requirements, thus you have to delete all negative and critical accounts. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under 15 USC 1666b, a creditor can not legally report a payment as late if they have not ensured that the periodic statement, containing the required information under section 1637 ( b ), was mailed or delivered to the consumer at least 21 days before the due date. Since the creditor failed to meet this obligation, I request that you update the late payments on my account to reflect positive, on-time payments. 
XXXX XXXXXXXXNEVER BEEN LATE You are aware that reporting any information that can not be independently verified is illegal. I need you to give me hard proof that I am responsible for those accounts in line with 15 USC 1692g.

You are also in violation of 15 USC 1681b because I have never given you or any of these companies formal permission to disclose any information on my credit report. This unjust and unfair treatment has caused me severe XXXX and 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 2025-12-03 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: MO

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: CA

Complaint narrative:
Formal Demand to Block Fraudulent Account Under FCRA 605B Identity Theft Victim Notification This is a formal follow-up regarding unresolved fraudulent account that remain on my Equifax credit report despite multiple disputes. I got a letter from Equifax that violates my rights under the FCRA. This letter is not a repeat of prior submissions it includes documentation and a renewed demand for legal compliance under the Fair Credit Reporting Act, Section 605B ( 15 U.S.C. 1681c-2 ).

I am a victim of identity theft. The following account was opened without my knowledge or consent : XXXX XXXX XXXX, date opened XX/XX/year> ( ACCOUNT NUMBER - XXXXXXXX XXXX XXXX XXXX XXXX ). 
XXXX, date opened XX/XX/year> ( ACCOUNT NUMBER - XXXXXXXX XXXX XXXX XXXX XXXX ). 

This account was fraudulently created and does not belong to me. I have never entered into any relationship with this creditor. I am invoking my rights under FCRA 605B, which legally requires that credit bureau block this item from my credit file within four ( 4 ) business days after receipt of this letter.

This submission is fully compliant with all documentation requirements under the FCRA. As such, credit burau is not legally permitted to reject or ignore this request, nor to claim this dispute is frivolous.

Please confirm in writing that this fraudulent account has been permanently removed from my file and blocked from future reporting.

Additionally, I am notifying you of my rights under FCRA 623 ( a ) ( 5 ), which prohibits a furnisher from re-reporting information that has been blocked due to identity theft unless they have certified the accuracy and completed a reinvestigation. Any future reappearance of these inquiries without a full legal basis will be considered a willful violation of federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: MS

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: LA

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach.

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Unauthorized inquires into my credit information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation