vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
I am writing to report an incident of identity theft involving an unauthorized attempt to open a Frost Bank account using my personal information on XX/XX/XXXX, XXXX i received an email saying a checking account has been open in my name and another email saying the application was denied. I called Frost Bank and let them that it wasn't me who opened the account and requested information from them they couldn't provide but insisted that I make a police report and file a complaint with the FTC and CFPB. I filed a complaint with the FTC in addressing this matter and provide any guidance or resources to help prevent this in the future, I dont want this to hender me from opening any new accounts in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time. 

I demand the late payment reported to be removed/updated.

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 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: LA

Complaint narrative:
I have repeatedly disputed collections and closed accounts with inaccurate and incomplete information. Each time, the dispute was closed within 24 hours with remarks such as verified and disputed by consumer. The process of investigation was never disclosed to me and the inaccurate and incomplete information still remains the same. I have several, duplicate negative items being reported with inconsistent information - status, dates, payment histories, etc. 
XXXX, XXXX, and XXXX have failed to investigate my disputes, provide their methods of verification and validation, and remove inaccuracies, such as accounts that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.

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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Under the FCRA provisions below I did not receive anything in regards to this law in the mail Under 1637 ( b ) of the F.C.R.A. a creditor must adopt reasonable procedures to inform the consumer by mail or delivered to the consumer not later than 21 days before the payment due date. I am requesting valid proof of this being done. I am formally asking for you to delete these items in the letter attached for non compliance Or I will pursue litigation for not being complaint on the previous dispute

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA

Complaint narrative:
Dear Sir/Madam, I am filing a complaint against Pennymac Loan Services for failing to follow XXXX XXXX PMI removal guidelines on my mortgage for XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Despite making substantial improvements to my homeadding a kitchenette, upgrading electrical infrastructure, and installing energy-efficient appliancesPennymac refuses to apply the correct 80 % Loan-to-Value ( LTV ) threshold, instead insisting on 75 %, which contradicts XXXXXXXX XXXX XXXX XXXX ( b XXXX guidelines . 

This refusal appears to be a systematic violation of XXXX XXXX servicing rules and may also violate the Homeowners Protection Act ( HPA ) by delaying legitimate PMI removal. I request that your office investigate Pennymacs practices and ensure compliance with state and federal regulations. 

I am happy to provide supporting documents, including correspondence with Pennymac. Please advise on the next steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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 filling a complaint against equifax for failing to investigate my my disputes regarding inaccuracies in my credit report.despite my submissions equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.this practice violates the fair credit reporting act ( fcra ), 15 U.S.C. 1681i which mandates a reasonable investigation of disputes. furthermore, Equifax 's actions may also contravene the consumer financial protection act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPB 's recent administrative proceeding ( FILE NO. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with the federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: CBC Companies, Inc.
State: TX

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. XXXX XXXX XXXX XXXXXXXX ; m certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Again I am disputing INQUIRIES!! inquires only!!! I have sent several disputes to equifax and XXXX disputing inquires!!! Neither company will research inquiry disputes ( not tradelines or open accpunts but inquiries ) both companies you can dispute inquiries on your report but then in less than 1 business day they close the review and say all inquires are valid even if fraud. both companies refuse to research hard credit inquires. 
In XXXXXXXX some of my accounts were hacked, was a victim of XXXX and other companies data breaches, accounts were opened in my name that I did not authorize, purchases were made I did not authorized, and credit inquires were performed I did not consent to. I completed police reports, the Ftc ID packet, disputes the charges and accounts opened due to fraud. On XX/XX/year> I started disputing the inquires with the credit bureaus and provided tons of paperwork. On XX/XX/year> Equifax did not even review the attached documents that included police reports and I'd theft packets and said all inquires are valid for 2 years even if from fraud. How can I dispute fraud inquires showing with XXXX and Equifax online, and online it shows I can dispute due to fraud just to have both companies immediately deny this and not look into the claims at all and just state they are valid?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TransUnion concerning their handling of a debt collection entry on my credit report. The specifics of my complaint are as follows : Disputed Debt Collection Entry : On XXXX XXXXXXXX I identified a debt collection entry on my TransUnion credit report from XXXX XXXX XXXX that I believed to be inaccurate. I promptly initiated a dispute with TransUnion regarding this entry. 

Removal of Disputed Entry : Following my dispute, TransUnion removed the contested debt collection entry from my credit report and it reappeared again on XXXXXXXX XXXX 

Lack of Timely Explanation : Despite the removal, TransUnion failed to provide me with a timely explanation or the results of their investigation concerning the disputed entry. 

This sequence of events has caused significant concern and confusion, as I am left without an understanding of the nature of the debt, the reasons for its initial appearance on my report, or the justification for its subsequent removal. 

I am seeking the CFPB 's assistance to : Investigate TransUnion 's procedures in handling disputed debt collection entries. 

Ensure that TransUnion provides a comprehensive explanation for the disputed entry and its removal. 

Implement measures to prevent such occurrences in the future, ensuring that consumers receive timely and transparent communications regarding disputes. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue.

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 2025-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have repeatedly disputed collections and closed accounts with inaccurate and incomplete information. Each time, the dispute was closed within 24 hours with remarks such as verified and disputed by consumer. The process of investigation was never disclosed to me and the inaccurate and incomplete information still remains the same. I have several, duplicate negative items being reported with inconsistent information - status, dates, payment histories, etc. 
Transunion, XXXX, and XXXX have failed to investigate my disputes, provide their methods of verification and validation, and remove inaccuracies, such as accounts that do not belong to me.

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 2025-01-24 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have repeatedly disputed collections and closed accounts with inaccurate and incomplete information. Each time, the dispute was closed within 24 hours with remarks such as verified and disputed by consumer. The process of investigation was never disclosed to me and the inaccurate and incomplete information still remains the same. I have several, duplicate negative items being reported with inconsistent information - status, dates, payment histories, etc. 
XXXX, Experian, and Experian have failed to investigate my disputes, provide their methods of verification and validation, and remove inaccuracies, such as accounts that do not belong to me.

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 2025-01-24 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: FL

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due 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 non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have incorrect information dates and address reporting to my consumer report please update and remove old and inaccurate address XXXX XXXX XXXX XXXX XXXX XXXX, TEXAS XXXX XXXX XXXX XXXX XXXX XXXX TEXAS XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have incorrect information dates and address reporting to my consumer report please update and remove old and inaccurate address XXXX XXXX XXXX XXXX XXXX XXXX, TEXAS XXXX XXXX XXXX XXXX XXXX XXXX TEXAS 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 2025-01-24 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Synchrony Bank closed my account after having my XXXX XXXX XXXXXXXX XXXX  open and paid in a satisfactory manner for over XXXX years. This was apparently done after missing a payment due date by roughly XXXX week, due to changing banking account that I used to auto pay the monthly bill from. To this date I have never been 30 days late on the account. After account was closed I continue to pay the required payment monthly. As of XX/XX/XXXX my balance was reduced to roughly {$80.00} Because I missed my due date on XX/XX/XXXX, I was assessed a late fee of {$40.00} which is XXXX  % of the outstanding balance before the late fee is added. I called and cited the CFPB 's XXXX XXXX that was published to the federal register on XX/XX/XXXX and the representative at Synchrony Bank told me that their late fee charge was a lawful charge. I even offered to pay the {$80.00} balance in full even though the past due balance was only {$43.00}. The representative was unwilling to help, citing that another late fee was waived in the last 12 months. Again I have never been 30 days late on this account ever. Just to ensure that I do not incur any additional fees on this account, I satisfied the full outstanding balance on the account of {$120.00} by setting up an ACH payment for that amount today XX/XX/XXXX. I do however feel cheated in being assessed such a hefty fee for an account that I had open for a number of years and maintained in a satisfactory manner. Although I have now satisfied the balance in full I would like to be reimbursed for the {$40.00} late fee and any fees that exceed the CFPB 's final rule as mentioned above. Thanks very much for your consideration.

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 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I am writing formally to express my concerns regarding Zelles handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these funds were unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
Multiple phone calls daily. I spoke with someone once who was very nasty stating they where going to take money from my account. I asked that they send me the info for such debt and to verify that I owe this debt, which I do not, nor do I have any recollection of said debt, the amount stated I owe is {$2000.00}. It has been months and I have yet to recieve any paperwork with the debts info or verifing that this is mine. Still getting harassing phone calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: Loqbox US Inc
State: TN

Complaint narrative:
I alerted XXXX  that there was multiple closed accounts on report could they delete the accounts that has no balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian and XXXX XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and XXXX XXXX has neither corrected nor removed. ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. XXXX XXXX has also stated that the said account ( XXXX XXXX XXXXXXXX XXXX was deleted from my credit report but, it is still on there. I then tried to dispute it again and they say the information was verified as accurate but, provided no evidence to support that outcome.

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