vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
XX/XX/XXXX ATM and Returned XX/XX/XXXX and closed XX/XX/XXXX FROST BANK CLOSED MY ACCOUNT DUE TO A PAYROLL CHECK SENT TO ME BUY MY EMPLOYER AND THE EMPLOYER STOP PAYMENT! 

I would like my account Opened back up and My Name taken off Check Systems and this amount charged back or charged Off or Give me time since I was so Genuinely Treated in such a Terrible manner. 



My Employer Issued me a Payroll Check and Then Stop Payment. I spoke to the Bank and ask Why and also Called My Employer whom NEVER replied back to me at all. 
I am on XXXXXXXX XXXX from SlXXXX XXXX XXXX XXXX XXXX XXXX XXXX which the other XXXX did not tell me it was spilled until I slipped and fell and ended up in the XXXXl. XXXX XXXX XXXX I have since had funds cut off from XXXX of Last year XXXX until XX/XX/XXXX. So to my Dismay, I am Confused as to why would my XXXX insurance company would go so far as to send me a check and stop payment on it and not return my calls, I now have attorney due to the fact that I now know that this is what XXXX XXXX XXXX companies do in 99 % of their cases. THEY DO NOT LIKE TO PAY. 


I called Frost bank and asked How do I pay this back and bring my account current, f the Insurance company does not put the funds back into my account. 

I was told by XXXX that I would have 90 days to bring everything current. 
Then I tried Logging in to make a Payment and I was denied access.

I called Frost bank and was told that My Account was Closed and I would have to call back on a Weekday to speak to someone. 

I called and was given another number ( XXXX ) XXXX or ( XXXX ) XXXX, or ( XXXX ) XXXX Ext XXXX ... After trying all Three Numbers someone answered the ( XXXX ) Number and I was told my account was sent off to collections and reported to Check Systems ( That Part I am Guessing ) and I ask what day was my account closed and when did I deposit my Payroll check. 
I was told XX/XX/XXXX ATM and Returned XX/XX/XXXX and closed XX/XX/XXXX, Not even 30 Days.... 


So I would Like my name cleared and I would also like this to be wiped cleaned and I have NEVER been treated in such a Manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX PA XXXX ACCOUNTS : XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2000.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$200.00} XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2000.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$250.00} INQUIRIES : 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 2025-06-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I booked a prepaid reservation through Capital One Travel ( Itinerary # : XXXX ) for Homewood Suites by XXXX XXXX XXXX XXXX XXXX XXXX CA, for the dates XXXX to XXXX. The hotel confirmation number was XXXX. 

However, upon check-out, I received a hotel statement totaling {$800.00}, which was charged to my XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX under Confirmation # : XXXX. When I contacted the hotel, they informed me that they had no record of a prepayment and advised me to reach out to Capital One. 

Over the past three weeks, Ive spent nearly four hours trying to resolve this issue. Each time I contact support, Im told that an email will be sent to the vendor and hotel, and that Ill receive a callback within 72 hours. Unfortunately, no one has followed up, and the issue remains unresolved.

To make matters worse, I was charged {$390.00} by Capital One Rewards and {$800.00} by the hotel for the same stay and dates. This appears to be a serious failure on Capital Ones partpossibly a system glitchbut no one has taken full responsibility or provided a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$930.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$5300.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$280.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1100.00} INQUIRIES : XXXX CARD Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-06-23 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: TX

Complaint narrative:
I am writing to dispute multiple accounts on my credit report that I did not authorize or open.These accounts are not mine and were added without my consent. This is a serious error that needs immediate attention. In accordance with 15 U.S. Code 1681g, I request the deletion of these entries within XXXX days. Attached are documents that confirm my identity and support this disp ute.

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 2025-06-23 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: IN

Complaint narrative:
Kindly assist me in launching an investigation regarding these accounts, which are incorrectly appearing on my credit report. Under the guidelines of USC 1681g, I am making a formal request for their removal within XXXX  days. Supporting documents have been enclosed for your reference. Please note that the details reported by each bureau vary and are inaccurate.

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 2025-06-23 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: NY

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. XXXX XXXXXXXX XXXX XXXXXX/XX/year>

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 2025-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-06-23 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: IN

Complaint narrative:
Kindly assist me in launching an investigation regarding these accounts, which are incorrectly appearing on my credit report. Under the guidelines of USC 1681g, I am making a formal request for their removal within XXXX days. Supporting documents have been enclosed for your reference. Please note that the details reported by each bureau vary and are inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: TN

Complaint narrative:
Equifaxs repeated failure to address my disputes with care and thoroughness is now more than just negligenceit has become a pattern, XXXX that echoes the same serious concerns the Consumer Financial Protection Bureau has already investigated. I will not allow my credit file to remain stained by errors that Equifax has failed to verify or remove, especially when that failure comes at a direct cost to my well-being and future. You have an obligation to treat consumer disputes seriously, and yet it feels as though my concerns have been dismissed entirely. 

According to 15 U.S.C. 1681i, Equifax is legally required to reinvestigate all disputed items within XXXX days, and to delete any information that can not be fully and independently verified. That means verifiable proofnot assumptions, not recycled data from unreliable sources. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be incomplete, inaccurate, or unverifiable must be corrected or removed entirely. I am demanding immediate corrective action, not another automated response. If you fail to do your job now, I will escalate this matter through every available channel. You are not just mishandling datayou are mishandling lives.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2900.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$650.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$800.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2200.00} INQUIRIES : XXXX XXXX  Date : 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 2025-06-23 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: FL

Complaint narrative:
Im raising a serious concern about an unfamiliar inquiry on my credit report. I did not authorize, apply to, or give consent for this company to access my information. Im trying to understand how this happened, and its causing me significant stress and anxiety.

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 2025-06-23 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:
Please remove the accounts listed below from my credit report. I had no involvement with their creation and did not give authorization. These appear to be fraudulent. As outlined in 15 U.S. Code 1681g, Im requesting deletion within 15 days. Ive attached documents for verification.

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 2025-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
Approximately {$1200.00} sent from XXXX XXXX XXXX Ally Bank on XX/XX/year>. 
XXXX reference XXXX XXXX confirm transfer XXXX. 
Ally Bank deny receiving the money,. 

XXXX requested return of the money since Ally would not credit my account. Ally Bank did not respond. 

I have written to Ally Bank and messaged them via their web site. They now say they will not respond to any further correspondence about this matter. 

This wire transfer occurred as a result of an international wire transfer originated by XXXX XXXX in the XXXX XXXX XXXX are the intermediary bank for that transfer. I have used XXXX XXXX for over XXXX years to make international transfers to the XXXX and they always use an intermediary bank as required by the XXXX banking system. They have never, ever made any mistakes in the past and they continue today to get things right when transferring money to XXXX XXXX XXXX. I have to conclude that all of the problems here are occasioned by both the incompetence and arrogance of Ally Bank who refuse to investigate this matter properly

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 2025-06-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On XX/XX/year>, someone hacked into my Chase bank account, accessed my Chase Ultimate Rewards, and transferred XXXX of my Chase points to gift cards. These points are worth approximately {$4500.00} I called Chase to notify them of the breach, and provided proof that someone hacked into my Chase account by first hacking into my XXXX account. Proof included screenshots of correspondence with XXXX customer support and notifications that my password had been found on the dark web. 
I would expect that Chase would provide me with reimbursement of this unauthorized use of points ( either financial reimbursement or crediting me back the points ), particularly because I provided proof of my accounts being breached. However, they have failed to respond to my requests and have not offered a solution to this fraudulent event.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have disputed with trans union more than XXXX  days ago. I called trans union in regards to my disputes and a supervisor that said his name was XXXX XXXX said that TransUnion gets disputes every day and its not possible to keep up with every dispute. I spoke with a different representative before I spoke with XXXX and they said that my disputes came back verified which was false information because XXXX XXXX said the disputes could not be found

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 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is a serious complaint and not a mistake. The inaccurate information on my credit report has caused significant frustration and inconvenience, directly affecting my ability to get approved for credit.

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 2025-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: LA

Complaint narrative:
I am filing this complaint regarding serious servicing violations by Shellpoint Mortgage Servicing related to the mortgage account for my home. 
On XXXX XXXX XXXX, I submitted a registered security as a tender of payment toward the account via Priority Mail Express, tracking number XXXX, with a return receipt requested. According to XXXX records, Shellpoint received the tender on XXXX XXXX XXXX which was stamped as received. This instrument was accompanied by a Letter of Instructions explaining its purpose and directing its application to the account. 
As of the date of this filing, Shellpoint has not issued any written correspondence acknowledging the tender, nor have they explained why the instrument was not applied to the account. On XX/XX/scrub>XXXX XXXX XXXX a Sheriffs card from the foreclosure division was left on the property door, indicating that Shellpoint or its attorneys are proceeding with foreclosure. I have not received any certified or formal written foreclosure notice from Shellpoint or their counsel prior to the posting of this card. 
On XXXX XXXX XXXX I received a letter from Shellpoint that acknowledged receipt of an inquiry and stated that Federal Home Loan Mortgage Corporation as Trustee for XXXX XXXX Seasoned Credit Risk Transfer Trust, Series XXXX is the creditor and owner of the loan. However, this letter did not address the tendered instrument, its disposition, or application. 
On XXXX XXXX XXXX I sent a Qualified Written Request ( QWR ) pursuant to 12 U.S.C. 2605 ( e ) ( RESPA ) via Certified Mail tracking # XXXX, with return receipt requested. This letter requested a full servicing history, accounting ledger, confirmation of the current creditor. As of today, Shellpoint has not responded to the QWR or acknowledged it. 
These actions raise serious concerns under federal consumer protection laws, including : - Failure to account for or return a tender of payment ; - Initiating foreclosure without providing proper written notice ; - Refusal to communicate the status of the account, despite receiving registered instruments and correspondence ; - Failure to disclose or verify the full servicing history and loan information. 
I respectfully request that the CFPB : - Investigate Shellpoints servicing and foreclosure conduct ; - Compel Shellpoint to immediately pause all foreclosure activity pending the outcome of this dispute ; - Require Shellpoint to respond in writing to the QWR and the submitted payment instrument ; - Provide a full accounting and chain of title, including ownership verification, servicing history, and how the tender was handled ; - Clarify the legal justification for moving forward with foreclosure I have included a copy of the Letter of Instructions, tracking receipts, QWR, and all notices received to date.

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