vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-24 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: HW Holding, Inc
State: OH

Complaint narrative:
I am a victim of trafficking. The information listed below which appears on my credit report is the result of that trafficking. HUNTER WARFIELD. 
Account Number : XXXX Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act 26. 

I am a victim of trafficking. The information listed below which appears on my credit report is the result of that trafficking. XXXX XXXX XXXX Account Number : XXXX Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act 26. 


I am a victim of trafficking. The information listed below which appears on my credit report is the result of that trafficking. XXXX XXXX XXXX Account Number : XXXX Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act 26.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Unauthorized Hard Inquiries Demand for Removal To Whom It May Concern, This letter serves as my formal dispute regarding several unauthorized and inaccurate hard inquiries appearing on my TransUnion credit file. Pursuant to the Fair Credit Reporting Act ( FCRA ) 604 ( a ) and 611, no entity may access a consumers credit report without a permissible purpose and the consumers authorization. 

The following inquiries are being disputed and must be removed unless TransUnion can provide full verification : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the court held that credit reporting agencies have a duty to follow reasonable procedures to assure maximum possible accuracy. 

In XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the court ruled that a CRA can be held liable for failing to correct or remove inaccurate entries after notice of dispute. 

Under FCRA 616-617, failure to remove or correct unverifiable inquiries can result in liability for actual damages, punitive damages, costs, and attorneys fees.

Demand for Action I demand that TransUnion provide, within 30 days : Documentation proving that I granted written authorization for each inquiry listed. 

Identification of the person, company, and permissible purpose for each inquiry. 

If TransUnion can not verify these inquiries with documented evidence, you are required by law to remove them immediately. Failure to do so will result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and possible legal action. 

Please treat this as a formal dispute under FCRA 611 and reinvestigation requirement. 

Sincerely, XXXX XXXX XXXX XXXX ( last XXXX digits ) : XXXX Date of Birth : 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 2025-08-24 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: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
On XX/XX/year> I received a phone call from Premiere, congratulating us on our purchase of our time share, & they are AFFILIATED with XXXX to sell out some of our XXXX points for us & we would receive a check for getting using our XXXX account, if I paid {$2400.00} up front they would design a contract that we get a check back from Premiere Resorts for {$8000.00} within a few months. I asked them several times & repeated myself on the phone conversation, that they are with XXXX, & they continued to say yes. Once they received my payment information, & stayed on the phone with me the entire time they sent the docusign to make sure i signed. After a couple of days went by, my wife & I had to call XXXX, & we asked about their XXXX XXXX program, they stated, they are not part of any such company, we immediately tried calling them back & could not get anyone to return our call. We sent in a fraud request through our XXXX credit card Barclays ) for the amount of {$2400.00}, & received a letter back stating that XXXX XXXX did what they said they would do??? I called the credit card company & asked what was it that we paid {$2400.00} for & they stated our paperwork states for them to advertise our points??? i demanded to speak with someone higher up, & I spoke with XXXX at Barclays who claimed to be the president of Barclays, & he would look into it, I asked the entire time if I needed to get a police report, & everyone I spoke to said no. I do not understand how i was misled into purchasing & I do not feel this situation was even looked into. I'm pretty sure these people are scamming alot of people of of hard earned money. XXXX should be held accountable for misleading & lieing to people.

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 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX Innovis Consumer Assistance XXXX. XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX : XXXX SSN : XXXX XX/XX/year> Subject : Request for Deletion of Inaccurate Information Dear Consumer Agency, I am writing to formally request the deletion of inaccurate personal information in my file, specifically incorrect addresses and misspelled or incorrect names that are either not mine or are inaccurate. This incorrect information is causing confusion and must be corrected immediately to reflect the truth. 

Upon reviewing my consumer file, I have identified the following errors : XXXX. Incorrect Addresses. Please delete any address that is not below. 

XXXX XXXX XXXX XXXX OH XXXX XXXX. Misspelled/Incorrect Names. Please delete any name that is not below. 

XXXX XXXX XXXX According to the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all information in my file is accurate and complete. I request that you promptly investigate this matter and remove the erroneous information. 

Please confirm in writing that these changes have been made and provide me with an updated copy of my file showing the corrections. 

Thank you for your prompt attention to this issue. I look forward to your response and the resolution of this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX Assistance XXXX. XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX : XXXX SSN : XXXX XX/XX/year> Subject : Request for Deletion of Inaccurate Information Dear Consumer Agency, I am writing to formally request the deletion of inaccurate personal information in my file, specifically incorrect addresses and misspelled or incorrect names that are either not mine or are inaccurate. This incorrect information is causing confusion and must be corrected immediately to reflect the truth. 
Upon reviewing my consumer file, I have identified the following errors : 1. Incorrect Addresses. Please delete any address that is not below. 

XXXX XXXX XXXX XXXX OH XXXX XXXX. Misspelled/Incorrect Names. Please delete any name that is not below. 

XXXX XXXX XXXX According to the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all information in my file is accurate and complete. I request that you promptly investigate this matter and remove the erroneous information. 

Please confirm in writing that these changes have been made and provide me with an updated copy of my file showing the corrections. 

Thank you for your prompt attention to this issue. I look forward to your response and the resolution of this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV

Complaint narrative:
I applied for a capital one card and was told that there is unsual activity on my account. It was an adverse letter regarding an established account already in the system but does not give any other information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
As of XX/XX/XXXX, I owed American Express ( AE ) {$4200.00}. I got on a payment plan in XXXX of XXXX. The payment plan was {$290.00} per month. I made every of my $ XXXX payments on time from XX/XX/XXXX to XXXX of XXXX, that is, I paid $ XXXX x XXXX XXXX= {$3500.00} in XXXX year per the agreement between AE and I. In XXXX of XXXX, I owed AE {$1900.00}, and my minimum payment jumped up to a staggering {$1100.00}. I contacted AE and informed them that I had just completed our $ XXXX payment plan. I asked AE why they thought I had the money to make a {$1100.00} payment all at once. I asked AE to please review my payment history ; upon review AE acknowledged that I had come through on my end of the bargain and had made all of my monthly scheduled payments on time for XXXX XXXX. I informed AE that I had the full intention to pay off the remaining balance and asked AE to please give me a reasonable monthly payment. Despite being a customer of AE since XXXX and demonstrating exemplary payment history where I lived up to my end of the bargain ; AE did NOT, in any good faith, provide me with a reasonable/practical minimum monthly payment. I continued to make monthly payments to the best of my ability, never knowing exactly where I stood ... and AE continued to report me late on payments to the credit bureaus for the remainder of the year. That is, despite my good faith efforts to continue paying on my debt ( without a reasonable and clear direction from AE ), AE reported me late on payments to all credit bureaus from XXXX of XXXX to XXXX of XXXX. Those XXXX XXXX of reporting me late to the credit bureau greatly affected my credit rating. Finally in XXXX of XXXX, AE adjusted my monthly payment to a reasonable and manageable figure : {$52.00} on a {$670.00} debt. I continued making payments up to date, and AE stopped reporting me late to all credit bureaus in existence as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: NY

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
XXXX XX/XX/year> check my credit and see 60 days on late payment with I always pay on time and I never received email or bill so I call the company with no solution

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 2025-08-24 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 checked my latest credit report and noticed multiple fraudulent accounts that do not belong to me and are damaging to my credit reports moving forward.

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 2025-08-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On or about XX/XX/year> someone by the name of XXXX XXXX who claims to be representative of Wells Fargo Bank advised me that an account was created in my name under my date of birth and social security information and $ XXXX dollars was deposited in my name XXXX XXXX XXXX in us currency. He has contacted me multiple times via email demanding that I pay Wells Fargo back {$5000.00} for COT code to be able to access my funds that was deposited in my name and then be able to make online transfers from the account to any bank account. He further stated that this are standard procedures concerning the financial transactions. I have reasons to believe that this transaction may leads to other hidden fees. May be deceptive tactics and unfair business practices that violate consumer rights amongst other civil rights that not safe guards me as a consumer engagement in this financial transactions.

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 2025-08-24 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: GA

Complaint narrative:
I am a victim of identity theft. This account ( XXXX XXXX XXXX ) was opened without my permission. I have reported the identity theft to the FTC and submitted an official affidavit. You are legally required to delete this account from my report under the fair Credit reporting Act. This is NOT my debt. Remove IT NOW or I will take you to court.

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 2025-08-24 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: Paypal Holdings, Inc
State: NC

Complaint narrative:
I am filing this complaint regarding the permanent suspension of my personal PayPal account. My account was first placed under a temporary limitation, which I fully cooperated with by providing the requested information. That limitation was later lifted. However, shortly afterward, my account was permanently suspended without clear explanation. As a result, my account is now frozen, and I am unable to access over {$2500.00} of my own funds. 

I believe this action is an error for several reasons : I have been a PayPal customer for approximately 20 years, consistently using my account without incident. 

I have always cooperated with PayPals requests for verification and, until now, all documentation provided has been deemed acceptable. 

In XXXX decades of use, I have never had a single chargeback or dispute on my account. 

The permanent suspension was implemented despite my demonstrated compliance and history of responsible account activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: NJ

Complaint narrative:
I recently review a copy of my credit report and notice i had fradulent account on my report, please remove these accounts from my report, they are hurting my ability to obtain credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required four business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: ZIONS BANCORPORATION
State: AZ

Complaint narrative:
XX/XX/XXXX the bank took {$2.00} XXXX from our company account even though when ask if the money could be sent back we stated NO in writing the funds were made available after both the bank and our company did our due deligence. the account was open in XXXX there were many deposit that had cleared and even when we contact the senders none admitted making any fraud charges. all wire purposes indicated for donations and to what programs.

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 2025-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
I previously filed CFPB complaint no. XXXX against Shellpoint Mortgage Servicing XXXX That complaint was closed without resolution. I am reopening the matter by filing this new complaint and referencing the prior case. 

Shellpoint issued a response that repeated the same claims made in prior responses and failed to address the central issue of fraudulent assignment of mortgage/security deed and lack of servicing authority. 

Shellpoints letter states that the loan moved to XXXX XXXX, as successor trustee to XXXX, XXXX, as trustee for XXXX XXXX  XXXX XXXX XXXX XXXX, and enclosed an XX/XX/XXXX assignment. However : - The XXXX XXXX XXXX was terminated in XXXX and can not legally hold assets. 
- The assignment was fraudulent, executed by an individual without authority, and notarized improperly. 
- Servicing authority has not been provided. I requested documentation showing who authorized XXXX XXXX XXXX the loan. They refused, stating this does not relate to servicing, even though under RESPA it is directly relevant. 
- The XXXX Deed itself says return to XXXX XXXX, confirming PHHs knowledge of the defective assignment. 
- I requested a refund of payments made without lawful servicing rights, but Shellpoint declined without justification. 

Shellpoint has repeatedly issued boilerplate responses while ignoring the substance of my complaint. They continue to misrepresent the investor and avoid accountability for fraudulent documents. Shellpoints repeated failure to provide documentation, and its reliance on a defunct trust, demonstrates an ongoing pattern of misrepresentation and noncompliance. I request that the CFPB take enforcement action and direct Shellpoint to produce the legally required information. 

This has been ongoing for over a year with repeated bad-faith responses. Shellpoint and XXXX continue to hide behind we only service while attempting to enforce fraudulent documents. I have attached a copy of the Notice and Affidavit of Fraudulent Assignment of Security Deed filed in XXXX XXXX XXXX XXXX and is seeking a quiet title lawsuit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
Midland credit management keeps calling me repeatedly from different numbers in just the week of XXXX I have received XXXX calls from them. They start between XXXX XXXX in the morning and come in non stop. They call me all weekend and even when Im in church as well. I have screen shots of just that weeks phone calls saved to my phone as well.

Company response to consumer: Closed with non-monetary relief