vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: NM

Complaint narrative:
Went to PNC bank to use ATM I am a customer of theirs.found their ATM was faulty did not dispense cash but money was taken from account. I spoke with PNC representative I let her know that the transaction was canceled by there ATM. but they were still wanting to file a 10 to 45-day investigation to return my funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX for furnishing inaccurate and misleading credit information related to my XXXX XXXX XXXX  XXXX. The core issue is that XXXX is reporting this account as a revolving credit card, even though the agreement is actually a fixed-payment XXXX XXXX XXXX XXXX used to finance a home security system. 

This misclassification has caused my credit score to drop over XXXX points due to artificially inflated utilization. 

On XX/XX/year>, I financed a Vivint Smart Home system using XXXX Retail Credit program. The financing plan is clearly defined as a Special Equal Payment Plan over 60 months. 

THE ACCOUNT IS A FIXED-PAYMENT FINANCING PLAN NOT A CREDIT CARD Exhibit A Vivint Transaction Receipt Attachment : Transaction Receipt.pdf This document shows : Amount financed : {$3400.00} Payment structure : Fixed 60-month equal-payment plan Merchant : XXXX XXXX Home This is not a traditional credit card, nor does it function as one. 

XXXX IS MISREPORTING THIS ACCOUNT TO THE BUREAUS XXXX is reporting : Account Type : Revolving Loan Type : Credit Card Credit Limit : {$4000.00} Balance : ~ {$2500.00} {$3400.00} Utilization : 6385 % This is inaccurate and misleading. 

CREDIT BUREAU SCREENSHOT EVIDENCE Exhibit B Equifax Reporting Screenshot Attachment : XXXX Shows : Account Type : Revolving Loan Type : Credit Card Credit Limit : {$4000.00} Utilization : 63 % Monthly Payment : {$72.00} Exhibit C Experian Reporting Screenshot Attachment : XXXX Shows : Account Type : Credit card Highest Balance : {$3400.00} Monthly Payment : {$72.00} Status : Potentially Negative Both credit bureaus are clearly receiving the wrong loan classification from XXXX XXXXTHE LATE PAYMENT WAS CAUSED BY XXXX AUTOPAY FAILURE I originally had autopay enabled, and XXXX XXXX sent confirmation : Exhibit D AutoPay Setup Confirmation Attachment : XXXX  Exhibit E Autopay Terms & Conditions Attachment : XXXX However, XXXX removed my autopay without my authorization : Exhibit F Autopay Removal Notice Attachment : XXXX After removing my autopay, XXXX sent a past due notice : Exhibit G Past Due Notice Attachment XXXX XXXX This clearly shows : Autopay was active XXXX removed autopay XXXX reported a late payment after removing autopay This is not consumer fault its a servicer error. 

.

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 2025-11-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: WY

Complaint narrative:
I was approved for a Capital One credit card with a {$5000.00} limit, but Capital One has blocked my online access due to an alleged identity verification issue. I submitted all required documents ( passport, driver license, address confirmation, bank statements ) twice. It has been over a month with no resolution. I am unable to activate or use the card, despite Capital One already performing a hard inquiry on my credit report, which has negatively affected my credit score. I am a legal U.S. resident with a Social Security Number and multiple active U.S. credit cards. I am requesting immediate activation of the account or closure without penalty and removal of the hard inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
I've been asking them for months to send me the debt validation letter. I've gotten no response and when I do get a response it's talking about some money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX # XXXX - Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX - Date Opened : XX/XX/XXXX XXXX XXXX XXXX  -- Balance : {$45.00} - Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX # XXXX - Date Opened XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX -- Balance : {$150.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX -- Balance : {$110.00} - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX  # XXXX -- Balance : {$230.00} - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX : $ info@hcamerica.com $ ( general Hyundai Motor Finance email ) CC Email ( Customer Support ) : $ XXXX $ ( widely used service email ) Re : URGENT Request for Lien Release / TitleAccount Number XXXX XXXX XXXX XXXX XXXX XXXXXXXX Buyout Paid : $ XX/XX/XXXX, XXXX Whom It May Concern, I am writing to file a formal complaint regarding XXXX XXXX XXXX failure to provide the lien release/title for my vehicle, despite my lease buyout being completed over five months ago. My payoff was completed on $ XX/XX/year>, and the payment cleared successfully.Since that time, I have made $ numerous calls $ to $ XXXX Hyundai in XXXX, Florida, and each time I was assured that the lien release would be handled. Despite these repeated assurances, I still have not received the document.This delay has created significant hardship, preventing me from completing registration, updating ownership records, or exercising full legal rights to the vehicle. A delay of this duration is unreasonable and unacceptable.I am requesting : Immediate issuance and delivery of the lien release/title $ for the referenced vehicle ; A $ written explanation $ for the excessive delay ; Confirmation of the exact date $ the lien release will be mailed or electronically provided.If this matter is not resolved within {$7.00} business days, I will proceed with filing complaints with the $ Consumer Financial Protection Bureau XXXX CFPB ), the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and my $ states DMV/title agency XXXX A copy of this letter will be submitted with each complaint.Please contact me promptly if any additional information is required. I expect immediate action and resolution.Sincerely

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 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
These accounts are being reported under my name without my authorization or awareness, and I have never authorized or managed them. This is completely unacceptable, as it presents inaccurate and misleading information about my financial history. I take my credit profile very seriously, and seeing these unauthorized accounts has caused me significant concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Adjusters, LLC
State: KS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/year> National Credit Adjusters XXXX XXXX ( NCA ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX RE : Cease and Desist Unauthorized Collection Activity and Credit Reporting ( FDCPA & FCRA Violations ) To Whom It May Concern, I am writing to formally demand that you immediately cease and desist from all collection activities and credit reporting related to the alleged debt currently being reported on my credit file. 

I did not authorize this account to be placed on my credit, and you have not provided proper validation as required by federal law. Your continued attempts to collect or report this account may violate multiple consumer protection laws, including : 15 U.S.C. 1692c ( FDCPA ) : Restrictions on communication and contacting consumers after a cease and desist request. 
15 U.S.C. 1692g ( FDCPA ) : Requirement to provide full written validation of a debt upon request.

15 U.S.C. 1681e ( b ) ( FCRA ) : Obligation to ensure maximum possible accuracy in credit reporting. 

Your failure to provide complete validation, combined with continued reporting or collection attempts, may constitute violations of these statutes.

I am demanding that you : 1. Immediately stop all collection attempts, including calls, letters, emails, or any third-party communication.

2. Remove any negative credit reporting related to this alleged debt if you can not fully validate it under 15 U.S.C. 1692g. 
3. Provide written confirmation within 10 business days stating that all collection activity has ceased and any inaccurate reporting has been corrected. 

If you continue to contact me or report inaccurate information, I will pursue all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the XXXX  Attorney General. 

This letter serves as a final notice. Nothing in this correspondence shall be interpreted as a waiver of any of my rights, all of which are expressly reserved. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section 623, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX {$2500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Unauthorized access to my credit report by several companies has directly harmed both my credit and my credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That promise has not been fulfilled these inquiries still remain. This failure to act is completely unacceptable. The continued presence of these potentially fraudulent entries is highly alarming and strongly suggests possible identity theft. This unresolved issue is inflicting ongoing emotional and financial harm.

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 2025-11-30 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: NJ

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Transunion data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Collections Acquisition Company, Inc.
State: GA

Complaint narrative:
This debt was previously placed with XXXX  and deleted after a CFPB complaint ( proof attached ). CYBRCollect later re-reported the same XXXX XXXX debt as a new tradeline in XXXX, changed the opened date, and falsely listed themselves as the original creditor. They never sent me any validation notice or dunning letter before reporting, violating FDCPA 809. This is illegal re-aging, inaccurate reporting under FCRA 623, and improper reinsertion of a previously deleted debt. I am requesting full deletion of this tradeline from all credit bureaus.

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 2025-11-30 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: NY

Complaint narrative:
I'm a victim of identity theft. There is an inquiry on my Transunion credit report that is fraudulent and does not belong to me. I've already filed an FTC report. The inquiry is 1. XXXX - XX/XX/year> 2025

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 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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: NJ

Complaint narrative:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section 623, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$1500.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$12000.00} XXXX  XXXX  # XXXX XX/XX/XXXX -- {$1900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to formally dispute inaccurate and unverifiable late payment information appearing on my credit report. Upon reviewing my report, I found several discrepancies regarding the payment history reported for the following account ( s ) : Creditor Name : XXXX XXXX XXXX  Account Number ( Last 4 Digits ) : XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX This account reflects late payments that are inaccurate and not consistent with my actual payment history. According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e ( b ), all information furnished to consumer reporting agencies must be 100 % accurate and verifiable. Additionally, 15 U.S. Code 1681i ( a ) ( 5 ) requires credit bureaus to delete or correct any information found to be inaccurate or unverifiable after reinvestigation. 

I am requesting that your agency conduct a full reinvestigation of the information reported for the above account. Please verify the accuracy of each late payment with the original creditor and provide written evidence of such verification. If you are unable to verify the accuracy of the data, federal law requires that the information be deleted or corrected immediately. 

Please send me written confirmation once the reinvestigation is complete, along with an updated copy of my credit report reflecting any deletions or corrections. 

Thank you for your prompt attention to this matter.

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 2025-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I am submitting this supplemental complaint regarding Portfolio Recovery Associates. This complaint includes new information that was not available when I submitted complaint # XXXX. 

Portfolio Recovery has continued to report information to the credit bureaus without providing me with any validation of the debt. I have never received any documentation proving the account is mine, the amount is accurate, or that they have the legal right to collect. 

Despite this, Portfolio Recovery verified my disputes with all XXXX  credit bureaus. They verified the account without conducting a reasonable investigation as required under FCRA 1681s-2 ( b ). 

After verifying my dispute with XXXX, they then updated the account status to XXXX days past due, which I was notified of through my XXXX XXXX. This update occurred after the dispute was marked as verified. Updating the account to show increased delinquency during or immediately after a dispute investigation is misleading and damaging. 

I believe Portfolio Recovery is continuing to furnish information without proper validation, without a reasonable investigation, and in a way that harms my credit profile.

Company response to consumer: Closed with explanation