vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: CO

Complaint narrative:
I landed in XXXX and got immediately scammed. Some seemingly airport personnel person half dragged me and my bag to a garage and after XXXX minutes a car showed up with 2 people in the front seats.They took me out of the airport and took me to an offsite to pay. They used both of the cards I took to travel and tried multiple transactions on three different digital readers. All were flagged as fraudulent by the 2 XXXX company standards. PNC blocked all successfully. Since none went through I was saying cash for a while ( which PNC has a record of from the airport maybe XXXX minutes before and Ive explained ). Not only did they strong arm me for double the rate since when I arrived ( and the concierge chased them XXXX  XXXX XXXX when he heard what I paid ) they didnt think they got to scam me on the card, they glared me down with everything I had in their hands. 

I paid cash. Everything was flagged as fraud. I confirmed it as fraud. They confirmed my confirmation. Then they let an over {$1000.00} fraudulent charge for a {$30.00} car ride ( at most ) that they were scamming me with go through and are giving me the run around. A grand doesnt mean anything to them but a statistic or win but they screwed up and it means a different home and a goal for me. 

It is the transaction they let through after they let me pull cash out at the airport. They can easily see that it was a scam because THEY STOPPED IT INITIALLY and blocked other transactions at the same time. And I confirmed. And they confirmed. Then they let it go through. 

They have now locked my card illegally as a punishment for complaining. I can not use it to buy groceries or purchase gas. All my subscriptions including electricity and internet got cut off. I have not locked it myself. It has been a nightmare to even switch debit accounts. They are holding me XXXX, and they screwed up. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: Early Warning Services, LLC
State: TX

Complaint narrative:
Name : XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : Driver 's License XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX - XXXX ( Incident Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX - XXXX ( Incident Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX - XXXX ( Incident Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX - XXXX ( Incident Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX - XXXX ( Incident Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX - XXXX ( Incident Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. 


Thank you for your assistance. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: GA

Complaint narrative:
i XXXX XXXX XXXX was a Victim of identity & fraud i ask for transunion to removed the debt as i disputed pursuant to 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer reports no consent is fraud This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only, I can validate this debt. I do not validate this debt. They violated my rights as a consumer and are in a law suite for failing to properly investigate my dispute!! 

the acoounts disputed are : XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 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: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts 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 2025-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
On XX/XX/year>2025, I opened the PNC Mobile Banking app to check my balance and found that I had been locked out of my account without warning. I contacted PNC customer service and spent several hours being transferred between representatives, but no one could provide any answers. I was eventually told my account was under review and that I would receive a notice in the mail. When I asked for more details, I was told they could not access any information about my account. 

Due to the lack of clarity and urgency of the situation, I went to a local PNC branch to speak with someone in person. The branch representatives were more transparent and confirmed what I had suspected : the PNC system has an automated daily transaction limit, and exceeding this limitespecially in a short period of timecan trigger red flags in the system that result in automatic account freezes or reviews. They told me this happens regardless of whether the funds come in through XXXX or another method. However, no one could reverse the decision or offer help beyond acknowledging that the system flagged my activity due to volume. 

I explained to both the branch and phone representatives that the incoming XXXX payments were from friends and family members who were trying to support me during a personal family emergency. I had no control over how many people sent money, and XXXX does not allow users to review, block, or decline incoming transfers. Once someone sends funds via XXXX, they post directly into the account. 

On XX/XX/year>2025, I received a letter dated XX/XX/scrub>, 2025, stating that my PNC Virtual Walletincluding checking, savings, and spending accountshad been permanently closed after careful consideration. The letter said a check would be mailed to me if there was a remaining balance. At the time of the account freeze, my account showed a positive available balance of {$420.00} and a ledger balance of {$760.00} ( see attached screenshot from XXXX XXXX, 2025 ). As of now, I have not received any check or follow-up communication. 

Out of precaution, I have deleted my XXXX profile to avoid this happening again. Still, I believe this account closure was unfair, especially during a personal crisis, and Im requesting the release of my funds and a formal explanation from PNC.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: GA

Complaint narrative:
Subject : Request for Blocking and Deletion of Fraudulent Accounts Data Breach Victim Pursuant to 15 USC 1681c-2 ( a ) I am a victim of Data Breach and Identity Theft. Please, block and delete the account within 4 business days pursuant to FCRA 605B15 U.S.C. 1681c-2.

I am writing to notify you that I have been a victim of identity theft as a result of the recent data breach involving XXXX.

Under the provisions of 15 USC 1681c-2 ( a ), I am formally requesting that all fraudulent accounts that have been opened in my name, without my authorization, be blocked and deleted from my credit report. 

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  As specified by the statute, you are required to block and remove any information resulting from identity theft as a result of the recent data breach, involving XXXX, within XXXX business days upon receipt of this notice. I have enclosed the necessary documentation supporting my claim. 
Please provide written confirmation once these accounts have been successfully removed from my credit report. I trust that you will take swift and necessary actions to rectify the harm caused by this data breach. 
Please block this information from my credit report within XXXX business days, pursuant to section 605C and 15 USC 1681c-2 and pursuant to FCRA 605B15 U.S.C. 1681c-2 of the Fair Credit Reporting Act. Please send me notification of the actions taken. I appreciate your prompt attention to this matter. Please send me notification of the actions Sincerely, XXXX XXXX XXXX XX/XX/1968 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 2025-04-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Velocity Portfolio Group
State: TX

Complaint narrative:
I am writing to formally dispute inaccurate and outdated information currently being reported on my credit file. The account in question is listed as closed and written off, yet the last payment history update dates back to 2022. Furthermore, the account is reflecting a {$0.00} balance, while still showing derogatory payment history which creates a misleading and incomplete representation of the account.

Additionally, I have recently become aware that the company originally holding this account has since been sold. It appears my personal information may have been transferred or sold in the process without my knowledge or consent. If this is the case, it raises serious concerns under the Fair Credit Reporting Act ( FCRA ), as well as potential violations of data privacy and consumer protection laws.

Under 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information are required to provide complete and accurate data to consumer reporting agencies. Failure to update the payment history and the possible unauthorized dissemination of my personal data both constitute noncompliance with federal regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: PNC Bank N.A.
State: FL

Complaint narrative:
All bank accounts open and on my report i didnt not open these accounts pnc chase citi

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Halsted Financial Services, LLC.
State: MD

Complaint narrative:
Halsted Financial Services , LLC XXXX XXXX XXXX XXXX XXXX XXXX Subject : Cease-and-Desist Communication Regarding Debt Collection Dear Halsted Financial Services , LLC, I am writing to formally request that you cease all communication with me regarding the alleged debt associated with account number XXXX. 
Your recent communications, including leaving voicemail messages and or emails have violated my rights under the Fair Debt Collection Practices Act ( FDCPA ). These messages were invasive and potentially disclosed private financial information to third parties. 
Under FDCPA 1692c ( c ), I am requesting that you immediately cease all contact with me regarding this matter. Should you fail to comply with this request, I will not hesitate to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states attorney generals office. 
Thank you for your immediate attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: CA

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. 
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 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

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 2025-04-12 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: MD

Complaint narrative:
i disagree with the account listed below which still appears on my credit report, i would like this item immediatly re-investigated, the inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX ) A HARD INQUIRY ON XX/XX/XXXX, XXXX in accordance with the fair credit reporting act, public law 91-506, tittle VI, subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that i may follow up. please send me an updated copy of my credit report after your reinvestigation. send it at my email at XXXX and my social is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: VA

Complaint narrative:
I am writing to formally express my concern regarding an account/charge that I have disputed multiple times. Despite my previous efforts, the issue continues to resurface without clear explanation or resolution. 

I respectfully request that you provide a detailed explanation as to why this matter is still unresolved and continues to reappear. Additionally, I ask that you take the necessary steps to permanently resolve and close this issue. 

XXXX XXXX XXXX This item was removed from your credit report. Please review your report for the details. 
View Details Please confirm receipt of this message and advise on the next steps required to bring this matter to a close. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: PA

Complaint narrative:
Please delete the disputes in the attachments below. I have already mailed them and I am having trouble disputing directly with Transunion. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
Debt was already paid and involves another individual which was charged off.

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 2025-04-12 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: CL Holdings LLC
State: TX

Complaint narrative:
Jefferson Capital was placed for collection XX/XX/XXXX with anticipated date of removal XX/XX/XXXX. This was disputed and removed from credit reporting agencies XXXX and XXXX. However, XXXX has not removed this from their report. 

XXXX XXXX was placed for collection XX/XX/XXXX with anticipated date of removal XX/XX/XXXX. This was disputed and removed from credit reporting agencies XXXX and XXXX. However, XXXX has not removed this from their report. 

XXXX XXXX XXXX is reporting inaccurate balance. Account is not past due and should reflect the current status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
XXXX XXXX was placed for collection XX/XX/XXXX with anticipated date of removal XX/XX/XXXX. This was disputed and removed from credit reporting agencies XXXXXXXX XXXX XXXXXXXX. However, XXXX has not removed this from their report. 

Portfolio Recovery was placed for collection XX/XX/XXXX with anticipated date of removal XX/XX/XXXX. This was disputed and removed from credit reporting agencies XXXX XXXX XXXXXXXX. However, XXXX has not removed this from their report. 

XXXX XXXX XXXX is reporting inaccurate balance. Account is not past due and should reflect the current status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: TX

Complaint narrative:
My personal and financial information, including my personal data was compromised violating FERPA.

I request a full cancellation of my student loan debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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:
A collection account reported by XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ). This account was added to my TransUnion and XXXX credit reports in XX/XX/XXXX, with a reported balance of {$160.00}. The most recent update to the account was reported on XX/XX/XXXX. 

I have never received a bill, notice, or collection letter from either XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX about this alleged debt. I was never given an opportunity to validate or dispute the debt before it was reported to the credit bureaus. Additionally, XXXX. XXXX is reporting this as a " collection/charge-off '', which is inaccurate and misleading. I have never gad a balance due or any business with this company. Also utility companies like XXXX do not issue credit in the traditional sense, and a charge-off designation is not appropriate in this context. 

The reporting agency has not provided any documentation verifying that this debt is valid or collectible. I believe this reporting violates federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), because the information is unverified, misleading, and was submitted without following the legally required validation process.

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 2025-04-13 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: FL

Complaint narrative:
A collection account reported by XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ). This account was added to my XXXX and Experian credit reports in XX/XX/XXXX, with a reported balance of {$160.00}. The most recent update to the account was reported on XX/XX/XXXX. 

I have never received a bill, notice, or collection letter from either XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX about this alleged debt. I was never given an opportunity to validate or dispute the debt before it was reported to the credit bureaus. Additionally, XXXX. XXXX is reporting this as a " collection/charge-off '', which is inaccurate and misleading. I have never gad a balance due or any business with this company. Also utility companies like XXXX do not issue credit in the traditional sense, and a charge-off designation is not appropriate in this context. 

The reporting agency has not provided any documentation verifying that this debt is valid or collectible. I believe this reporting violates federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), because the information is unverified, misleading, and was submitted without following the legally required validation process.

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