vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: FL

Complaint narrative:
PNC Checking account application was submitted on XX/XX/XXXX online, then the application was processed and opened by the bank on XX/XX/XXXX. It was a joint account, I was listed as the secondary user. 
XXXX deposits were made. The first deposit was a check made out to me, deposited on XXXX XXXX, XXXX, at the XXXX branch. The XXXX deposit was made via direct deposit by my employer ( payroll ) on XXXX XXXX. 
On XXXX XXXX, XXXX, I received a text message stating my balance was {$0.00}. I contacted PNC via the chat app, and the representative informed me to call customer service. I called customer service, and they told me to send an email. I went to the branch and finally, someone was able to inform me that the issue was the primary account holder needed to submit his permanent resident green card, and our account would remain frozen until then. 
It is my understanding that freezing an account based on immigration status is illegal. The CFPB reported on XXXX, XXXX that creditors should be aware that unnecessary or overbroad reliance on immigration status, including when that reliance XXXX based on bias, XXXX run afoul of the law. The actions taken by PNC Bank not only seem illegal but unethical since no notification was sent regarding any issues with the account. Also, online representatives were not able to provide any information on why the account had a hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
Numerous times when I would transfer money from point base to cash up it never made it to cash up I asked XXXX XXXX what happened and they would place the blame on cash app and I'd ask cash up and they said it they never saw the money so I'm thinking that it's I miss you with coinbase but still I don't have my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am disputing the inclusion of the XXXX. XXXX, XXXX account on my credit report, showing as a collection with a balance of {$4400.00} on XX/XX/year>. I do not have an account with XXXX XXXX XXXX or a contract with XXXX. XXXX, XXXX Additionally, my personal information was part of the Equifax XXXX breach. I've been disputing this account over and over since I've noticed it, and haven't gotten any remedy. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681o ), I request this account be investigated and removed, unless XXXX. XXXX, XXXX can verify any contract between ( XXXX. Systems, XXXX And XXXX XXXX XXXX Remedy Is to Immediately Remove account off of my report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: NC

Complaint narrative:
Upon reviewing my credit report I noticed an inaccurate account being reported which is damaging my credit report. I have sent written request previously as evidenced by the attached letter however there has been no response. It has been over 60 days which is in violation of the FCRA.

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 2025-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: MO

Complaint narrative:
Overdraft fees is outrageous and should be looked at into deeper. Its no way that a {$20.00} dollar credit should be applied after every purchase when you overdraft

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: CA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-01-23 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: CA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I 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 Elections 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 2025-01-23 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: TX

Complaint narrative:
I am writing to file a complaint against XXXX regarding multiple inaccurate account and reports I have incurred. This issue aligns with the recent CFPB findings against XXXX for similar practices, where accounts would report but are not accurate or incorrectly having information on a credit report. I believe these practices are unfair and request an investigation into my 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 2025-01-23 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: TX

Complaint narrative:
I am writing to file a complaint against XXXX regarding multiple inaccurate account and reports I have incurred. This issue aligns with the recent CFPB findings against XXXX for similar practices, where accounts would report but are not accurate or incorrectly having information on a credit report. I believe these practices are unfair and request an investigation into my 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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I havent been able to see my Experian credit report updated since it was generated XX/XX/year>, and was told it was due to a missing address. The company has had no address for me on file for over a month now and I can not view my report. There was an update to the dispute I filed internally with them asking for them to add my correct current address but they updated the dispute to say completed, with results no available online. Still I can not see my credit report. Have been on a few different calls asking for help and they keep assuring me its been handled but I havent seen anything happen.

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 2025-01-23 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: NC

Complaint narrative:
I am formally disputing the following fraudulent accounts and inquiries that remain on my credit reports with XXXX, Equifax, and XXXX. Despite my previous dispute and the submission of an identity theft report, these items have not been removed, which violates my rights under the Fair Credit Reporting Act ( FCRA ) and continues to harm my credit profile. 

The following accounts must be removed immediately : XXXX XXXX ( Account : XXXX ) XXXX, Equifax XXXX XXXX XXXX XXXX ( Account : XXXX ) XXXX XXXX ( Account : XXXX ) XXXX, Equifax, XXXX XXXX, the following unauthorized inquiries should be deleted as they were made without my authorization : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax ) XX/XX/XXXX XXXX ( Equifax ) XX/XX/XXXX XXXX ( Equifax ) XX/XX/XXXX XXXX ( Equifax ) XX/XX/XXXX XXXX ( Equifax ) XX/XX/XXXX XXXX ( Equifax ) XX/XX/XXXX XXXX XXXX XXXX ( Equifax ) XX/XX/XXXX XXXX CARD ( XXXX ) Under 15 U.S.C. 1681c-2, I have the right to block fraudulent information from my credit report by providing an identity theft report, which has already been submitted. The failure to remove these items is a direct violation of federal law and my consumer rights. 

Furthermore, the Consumer Financial Protection Bureau ( CFPB ) has taken legal action against XXXX for failing to properly investigate consumer disputes and reinserting inaccurate information into credit reports. Your failure to comply with my dispute request suggests non-compliance with federal regulations. 

I demand the immediate deletion of the above-listed fraudulent accounts and inquiries. If these items are not removed, I will escalate my complaint to the CFPB and pursue legal remedies. Please provide written confirmation that these items have been deleted from my credit reports within the legally required timeframe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: NC

Complaint narrative:
I am formally disputing the following fraudulent accounts and inquiries that remain on my credit reports with Experian, XXXX, and XXXX. Despite my previous dispute and the submission of an identity theft report, these items have not been removed, which violates my rights under the Fair Credit Reporting Act ( FCRA ) and continues to harm my credit profile. 

The following accounts must be removed immediately : XXXX XXXX ( Account : XXXX ) Experian, XXXX XXXX XXXX XXXX XXXX ( Account : XXXX ) Experian XXXX ( Account : XXXX ) Experian, XXXX, XXXX XXXX, the following unauthorized inquiries should be deleted as they were made without my authorization : XX/XX/XXXXXXXX XXXX XXXX ( Experian ) XX/XX/XXXX XXXX  ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX CARD ( Experian ) Under 15 U.S.C. 1681c-2, I have the right to block fraudulent information from my credit report by providing an identity theft report, which has already been submitted. The failure to remove these items is a direct violation of federal law and my consumer rights. 

Furthermore, the Consumer Financial Protection Bureau ( CFPB ) has taken legal action against Experian for failing to properly investigate consumer disputes and reinserting inaccurate information into credit reports. Your failure to comply with my dispute request suggests non-compliance with federal regulations. 

I demand the immediate deletion of the above-listed fraudulent accounts and inquiries. If these items are not removed, I will escalate my complaint to the CFPB and pursue legal remedies. Please provide written confirmation that these items have been deleted from my credit reports within the legally required timeframe.

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 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IN

Complaint narrative:
identify you and your account. 
I 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 proce 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 2025-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Chime Financial Inc
State: VA

Complaint narrative:
I am using my Chime Credit Builder card ( VISA ), and I have a Chime Checking Account and associated card. 

My Chime XXXX XXXX card is continuing to be declined both by a medical provider and at an online store. I have over {$1200.00} in my account. 

My first call in they said it was showing money was available, but it was also showing an insufficient funds code. They could not explain why both existed. After several minutes I was told XXXX  cards were fixed. 

I still ran into the same problem trying to use my card. I called back. They had me switch money from my XXXX XXXX to my Checking, and then try using that. It failed. They then told me they would need to work on both of my cards, it would take about an hour, but they hoped it would be fixed. They are unable to explain what is happening. 

I have money. My account is in good standing. But I can not use the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: FL

Complaint narrative:
while I was reviewing my consumer reports, I noticed that some instances of late payment on my account which I have matained timely payment.consumer reporting agencies play a crutial role in accurately reporting consumer infomation.it is imperative that this information be reported with utmost accuracy.I have never missed a payment on the account { XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX } .The all XXXX  account number are { XXXX }, { XXXX }, { XXXX } .I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payment .If unable to provide such proof, I demand that these payments be promptly updated to reflect their true status as-on time, as I have consistenly upheld my payment obligations without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I had a complaint number XXXX and capital one was suppose to remove incorrect hard inquiries on my credit report and they still havent removed them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
I am writing to file a complaint against Navy Federal credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lack of charge and credits. This issue lies with the recent CFPB findings against XXXX XXXX for similar practices were transactions settled with insufficient balances, despite initially available funds, I believe these practices are unfair and request an investigation into my account Transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Subject : Formal Consumer Dispute Regarding CAPITAL ONE AUTO FINANCE. 

To Whom It May Concern, I am writing to formally dispute the reporting of an auto loan account by CAPITAL ONE AUTO FINANCE on my consumer credit report. This dispute is based on violations of my rights under the following federal laws : 1. 12 CFR 1006.34 ( b ) ( 5 ) : The collection agency has not provided the required validation information for the alleged debt. Despite this failure, they have furnished and continue to report this account to consumer reporting agencies. This is a clear violation of the law. 
2. 12 CFR 1006.34 ( c ) ( 4 ) : I have not been given an opportunity to dispute this account. The agencys failure to provide proper notice has deprived me of my right to dispute the validity of the alleged debt before it was reported.

3. False, Misleading, or Deceptive Practices : The agency has engaged in practices that are false, misleading, and deceptive in their handling and reporting of this account. Such behavior violates the Fair Debt Collection Practices Act ( FDCPA ). 
4. 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) : The agency has no authority to report this account to any consumer reporting agency without first providing all disclosures required by law. By furnishing information without complying with these requirements, they are in direct violation of these regulations.

Request for Immediate Action I am requesting the following actions to resolve this matter : 1. Immediate Deletion of the Auto Loan Account : Remove this account from my credit report as it was reported unlawfully. 
XXXX. Proof of Validation : If the agency believes the debt is valid, provide all validation information required under federal law. 
3. Cessation of Reporting : Immediately stop reporting this account to consumer reporting agencies until all legal requirements have been fulfilled.

Timeline and Legal Remedy Please resolve this dispute within XXXX days of receiving this letter. Failure to comply with these demands may result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and state regulatory agencies. Additionally, I reserve the right to seek statutory damages of {$1000.00} for these violations as provided under the FDCPA. 

Thank you for your prompt attention to this matter. I look forward to your written confirmation of the resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: GA

Complaint narrative:
I am a victim of identity theft, which has left me feeling vulnerable and distressed. Fraudulent accounts were opened in my name without my knowledge or consent, causing significant harm to my credit standing. 
I am determined to take the necessary steps to clear my name, protect my identity, and restore my financial well-being. Therefore, I kindly request the removal of these fraudulent accounts from my credit report, as they do not accurately reflect my financial history or responsibility. 
Your support and assistance in addressing this matter are greatly appreciated as I work to overcome this unfortunate experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I reported that all of student loans accounts listed needed to be removed as they have been forgiven. I also reported that the freedom mortgage account reported late payments which was not accurate because I was in lost mitigation and in forbearance. To date, what I reported is still on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of XXXX XXXX and would like for all listed Items to be blocked and deleted company information from TransUnion. 

Please delete the following Items XXXX XXXX XXXX {$340.00} XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX BALANCED {$75.00} XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX - 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