vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On XX/XX/2025, I attempted to make a payment on my PNC credit card using my pnc checking account but did not intend to pay the full balance of {$3800.00}. However, the full balance was deducted from my account by mistake. Shortly after the payment was processed, I noticed that my credit limit had been unexpectedly reduced to {$500.00}, which significantly impacted my available credit. 

Upon realizing the mistake, I immediately contacted PNC customer service and requested a reversal of the excess payment. However, they refused to process the reversal, stating that my credit limit had changed. At the time of my payment, I was not informed of the credit limit reduction. 

This unexpected credit limit reduction and refusal to reverse my unintended payment have caused financial hardship. Despite multiple attempts to resolve the issue, PNC has been unhelpful and unwilling to offer a solution. 

I am filing this complaint to request that PNC : Reverse my unintended full balance payment and restore the correct payment amount. 

Provide a clear explanation for the unexpected credit limit reduction. 

Allow me access to the funds I mistakenly overpaid if a full reversal is not possible. 


I believe PNCs handling of this matter is unfair and misleading, and I request the CFPB 's assistance in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Incorrect names that are not me are listed on my credit report- I have been affected by multiple breaches and it is reflecting

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 2025-01-29 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: CO

Complaint narrative:
Incorrect names that are not me are listed on my credit report- I have been affected by multiple breaches and it is reflecting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I am filing a claim complaint with the XXXX regarding capital one 's failure to deposit my direct deposit from my employer and any other income deposits. Capital One has cited technical issues which may violate the electronic funds transfer act EFTA as it is requires timely access to funds this situation raises concerns about consumer protection law, and I request your assistance in investigating this matter to ensure my rights are appealed thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have XXXX issues with Equifax I called XXXX  times and the call was disconnected I believe it's being done on purpose. the first person I spoke to was an analyst and their caller ID : XXXX then transferred to the supervisor XXXX caller ID : XXXX who ended the call on me before my issue could be resolved. 

XXXX. Lenders can not view my report for whatever reason, which is preventing me from obtaining credit. If this isn't resolved in the next XXXX days I'll be sending this to a consumer lawyer to sue for damages. 

XXXX. XXXX is unable to pull data from Equifax so I'm able to view my tri-merge report and FICO score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: TN

Complaint narrative:
Inaccurate account for XXXX XXXX of {$1900.00}. 
Inaccurate account for XXXX XXXX XXXX {$710.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: NV

Complaint narrative:
Experian 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 has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my 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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
XXXX XXXX XXXX is still showing debt even after the payment was received. 
XXXX Equifax XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax Equifax XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : Social Security Number : XXXX To Whom it May Concern : This letter is a follow up to my original letter dated XX/XX/XXXX regarding an inaccuracy in your credit reporting, regarding the entry being reported XXXX XXXX  {$180.00}. This debt was paid XX/XX/XXXX POS Debit Visa Check Card XXXX XXXX XXXX XXXXXXXX XXXX XXXX, {$180.00} By not replying in a timely manner to my initial letter on you have not only violated federal law, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 
As you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. 
I will be seeking {$1000.00} per violation for : XXXX. Defamation XXXX. ) Negligent Enablement of Identity Fraud XXXX. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I am writing to file a formal complaint against Credence Resource Management for attempting to collect a debt I believe is not valid and for failing to provide debt validation as required by law. 

The account in question was opened on XX/XX/year>, and Credence Resource Management is currently attempting to collect a debt. I have not signed any contract or agreement with Credence Resource Management or the original creditor associated with this debt. Additionally, they have not provided any validation of the debt or any information showing that they have the legal right to collect this debt. 

According to the Fair Debt Collection Practices Act ( FDCPA ), Credence Resource Management is required to provide me with validation of the debt, which should include : The amount of the debt ; The name of the creditor to whom the debt is owed ; A statement of my rights under the FDCPA, including the right to dispute the debt. 
I have not received this information. Furthermore, as this is a debt that Credence Resource Management claims to collect, but for which I have never entered into any agreement or contract, I am requesting that they cease any further attempts to collect this debt until proper validation is provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
Opened Citi checking on XX/XX/year> after multiple verifications. 

Citi will not provide my account number. Citi says must wait for debit card to arrive. 

Called Citi multiple times, each time it takes XXXX - XXXX hours to get through their phone tree to a human being. It's been a major loss and waste of time for me. 

Twice was told to wait longer for debit card. By XX/XX/XXXX, no debit card and no " welcome package '' has arrived my home address : XXXX XXXX XXXX XXXX XXXX, Oregon XXXX. 

Called Citi again on XX/XX/XXXX, got through to a human being after XXXX hours. Was told a new debit card would be overnighted to my home address on file. I was told I would receive tracking information for debit card being overnight. No tracking info received. 

XX/XX/XXXX, make multiple attempts to get through to human being at Citi again. I reached XXXX customer rep with extremely poor English who apparently could not understand me. Call disconnected. 

I'm tired of this. Where is the promised overnighted debit card? I still can not access my accounts, can not access online banking, can not access even my account number to set-up direct deposit because no debit card has been received. This is an absolutely horrendous process that Citi has on new accounts. 

Every time I've called Citi over and over they ask multiple times for my debit card number, but the reason I'm calling is because no debit card has been received. 

My new Citi account should be enrolled in the promotion for the bonus. I would like to confirm the promotion that is attached to this account. 

I would also like the new debit card to be overnighted to me as promised. 

Furthermore, I would also like to request additional times for the promotional bonus since it's taken almost an entire month to be able to access my new account.

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 2025-01-29 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: FL

Complaint narrative:
In accordance with the fair credit reporting act the following accounts has violated my rights : XXXX. These accounts are Paid. The account status and payment status are incorrect. 

XXXX Account Number : XXXX TransUnion/XXXX/ XXXX XXXX Account Number : XXXX TransUnion/XXXX  XXXX. This account is purchased by another lender. It can not be twice in credit report. 

XXXX Account Number : XXXX XXXX. This account has wrong information. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account Number : XXXX TransUnionXXXX

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 2025-01-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/year>, at around XXXX XXXX XXXX, I received a call from someone claiming to be from Wells Fargo, stating they had detected fraudulent activity on my account. It is important to note that I had recently experienced legitimate fraud on my account, which required me to pause my cards and contact XXXX XXXX account takeover team. The caller provided details that aligned with the real fraudulent activity, making their claim seem credible and that I was actually speaking to someone with Wells Fargo. 

They instructed me to complete a verification process by sending money to a " private investigator '' via XXXX, assuring me that the funds would be returned instantly once the process was complete. They reassured me time and time again that this process necessary for the sake of the protection of my account. After sending {$1000.00}, I became suspicious and questioned the caller, asking for my money back. Following some back-and-forth, they abruptly hung up. 

I filed a dispute with Wells Fargo, but they repeatedly told me there was nothing they could do. XXXX was also unhelpful, as its transactions are instantaneous and require user authorization before processing. 

Although, I acknowledge that XXXX requires you to answer a prompt that verifies that you are sending the money to someone you know and trust, however, that still does not negate the fact that, at that time, I truly believed that I was speaking to someone from Wells Fargo because of the personal information that they provided at the beginning of the phone call. Answering this prompt, does not protect you from impostor calls.

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 2025-01-29 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: MI

Complaint narrative:
I am victim of identity theft and the XXXX data breach.The account does not belong to me and i have no knowledge of this account. 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 2025-01-29 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:
This is my formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my XXXX score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high XXXX  score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.

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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX Account No. : XXXX writing to formally dispute the charge-off and deficiency balance on my account, [ XXXX XXXX ] XXXX related to the repossession and sale of my vehicle, [ vehicle make, model, and year ]. I have reviewed the sale process, and I believe that my rights as a consumer were violated due to the unfairly low selling price of the vehicle, which does not reflect its true market value. 

Upon investigation, I have found that the vehicle was sold for significantly less than its fair market value. This has resulted in an unjustifiably high deficiency balance, which I am now being held responsible for. I believe this may constitute a violation of several laws, including but not limited to : XXXX. Uniform Commercial Code ( XXXX ) XXXX This law requires that a secured party dispose of collateral in a " commercially reasonable '' manner. If the sale price was significantly below fair market value, it may not have been commercially reasonable. 


XXXX. Fair Debt Collection Practices Act ( FDCPA ) ( XXXX XXXX. XXXX et seq. ) If a debt collector is attempting to collect an inflated deficiency balance that resulted from an unreasonable sale price, they may be engaging in unfair or deceptive practices. 


XXXX. State Repossession Laws Many states have specific laws requiring creditors to conduct repossessions and sales in a manner that maximizes the vehicles value. If these laws were not followed, the deficiency balance could be invalid. 


XXXX. Truth in Lending Act ( TILA ) ( XXXX XXXX. XXXX et seq. ) If the lender failed to properly disclose the terms of the repossession, sale, or deficiency balance, they may have violated federal regulations. 
I formally request the following : XXXX. Documentation proving that the sale of the vehicle was conducted in a commercially reasonable manner, including records of bids received, sale advertisements, and the sale price. 


XXXX. A detailed breakdown of how the deficiency balance was calculated. 

XXXX. A review of the charge-off and deficiency balance based on the unfair sale price. 

If this matter is not resolved promptly, I am prepared to escalate my complaint to regulatory agencies such as the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. I would appreciate your prompt attention to this matter and expect a response within XXXX  days of receipt of this letter. 

Please send all correspondence to me in writing at the address listed above. 

Sincerely, [ 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 2025-01-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENOVA INTERNATIONAL, INC.
State: UT

Complaint narrative:
I received a voicemail that didn't state it was an attempt to collect a debt in this voicemail. XXXX stated that she needed information " before I move forward ''. 
I have never received any letter or any information from them until this voicemail. They've never left a message until today. 
I called the company, XXXX XXXX and they said they had a loan of mine. I explained my situation, that I've been out of work for 2 years, and instead of trying to work with me, XXXX was rude and said, " Well I'll just send it off to the creditor as a refusal '' I said I wasn't trying to refuse, I just need some help. She put me on hold and then a man came on, XXXX. He was condescending. Making me feel so cheap and belittling me. He asked about my address, then pulled up information on the place I am staying, family is paying the rent, and read me off the name of my landlord and the mortgage on the property. He had pulled up my social media information as well. 
They were so rude, threatening to send it off to the creditor as a refusal. They aren't willing to work with me on a payment I could afford. They're giving me until Friday and then sending it off. Their tactics were horrendous. This company needs to be looked into.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Block, Inc.
State: IN

Complaint narrative:
I received a CashApp debit card to my HOME ADDRESS and I have NEVER opened, downloaded, or used CashApp in any way. I'm very concerned about this breach in my privacy, somebody was able to create an account in my name with my ADDRESS. There was no email verification, no SSN, etc. I reached out directly to CashApp regarding this and received very minimal support and they weren't able to ease any concerns I have. This is unacceptable to me.

Company response to consumer: Closed with explanation