vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-20 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: PNC Bank N.A.
State: MI

Complaint narrative:
Subject : Complaint Under the Fair Credit Reporting Act ( FCRA 611 ( b ) & 623 ( b ) ) Failure to Correct Inaccurate Reporting Creditor/Furnisher : PNC Bank , N.A. 
Account Number : XXXX Mailing Address : PNC Bank, N.A. XXXX XXXX XXXX Department XXXX XXXX XXXX XXXX, MI XXXX Dear CFPB Representative, I am filing this complaint against PNC Bank, XXXX. for continuing to report inaccurate and misleading information to the credit bureaus despite multiple written disputes and supporting documentation proving the inaccuracy. 

The account listed above was Reported XXXX late payments despite closure and payment in full ( XX/XX/year> ). However, the company continues to report false information, including late payments and/or charge-off status. 

I submitted a written dispute under FCRA 623 ( a ) ( 8 ), providing payment proof and account statements. The company responded with a denial letter claiming the data was verified as accurate, yet failed to produce evidence supporting the delinquencies. 

This is a violation of : - FCRA 623 ( b ) : Failure to conduct a reasonable investigation after receiving notice of dispute. 
- FCRA 611 ( b ) : Failure to ensure that inaccurate or unverifiable data is corrected or deleted. 

I request that the Consumer Financial Protection Bureau require the furnisher to delete the entire trade line under FCRA 611 ( a ) ( 5 ) ( A ) as the information can not be verified. 

Attachments : XXXX. My original dispute letter XXXX. The companys denial response XXXX. Proof of payment or account closure XXXX Credit report screenshot showing inaccurate reporting XXXX. Photo ID and proof of address Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/XXXX, I wired XXXX dollars to my XXXX XXXX account. It never showed up. I went to my bank in XXXX XXXX and they said they didn't get it. I immediately started calling my XXXX XXXX and they kept saying give it a few more days. I called every other day to this point and they said they were going to contact the Intermediary bank to trace it. I still have been calling because they keep saying they have not heard from the Intermediary bank. Now I have called 4 times today and now they either hang up when they find out it's me or they keep extending the wait time to keep from talking to me. The money just vanished! And neither my credit union nor the intermediary bank will have a conversation about my funds. They never even tracked the money. This is a blatant case of misappropriation of funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: IL

Complaint narrative:
After carefully reviewing my credit report, I found multiple accounts that are being reported inaccurately and without proper verification. Despite previous disputes, these accounts continue to appear as charged off or in collection, even though the furnishers have not provided any original signed contracts, payment histories, or proof of lawful ownership. Specifically, the accounts from XXXX Bank, XXXX XXXX Bank, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX contain conflicting and unverifiable information. Some accounts list contradictory statuses such as Closed by XXXX XXXX and Charged Off, while others show repeated updates that suggest data re-aging, which violates the Fair Credit Reporting Act ( FCRA ). These furnishers have also failed to validate the alleged debts as required under the Fair Debt Collection Practices Act ( FDCPA ). Additionally, my report includes several unauthorized credit inquiries made without my consent or permissible purpose, in direct violation of FCRA 604 ( a ). The continued reporting of unverifiable information and unauthorized inquiries is inaccurate, misleading, and damaging to my credit profile.

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 2025-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I had previously filed a complaint and sent XXXX demand letter prior to filing lawsuit and in retaliation WITHOUT Cause they CLOSED ALL my Account after Ive been a LOYAL customer for over XXXX years.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-20 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: IL

Complaint narrative:
I am filing this complaint because [ Experian / XXXX XXXX XXXX  ] has violated the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my written disputes, the bureau failed to conduct a reasonable reinvestigation within 30 days, continued reporting inaccurate accounts, and failed to provide written results. These actions violate 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ), 1681i ( a ) ( 6 ), and 1681e ( b ). Courts have consistently ruled that such conduct is XXXX XXXX XXXX XXXX  ( XXXX XXXX. XXXX ) confirmed all objectively verifiable inaccuracies must be corrected ; XXXX. XXXX XXXX XXXX XXXX ( XXXX XXXX ) held no entity is immune from FCRA liability ; and XXXX XXXX XXXX XXXXXXXX ( XXXX. XXXX XXXX ) resulted in a {$23.00} XXXX settlement for failing to investigate disputes and allowing inaccuracies to remain. 

Accounts to Be Deleted : CHARGE OFF - XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Subject Line : Debt Collector Unable to Prove Ownership - Illegal Collection & Credit Reporting I am submitting this complaint regarding MIDLAND CREDIT MANAGEMENT in connection with their attempts to collect on an alleged account that they have failed to validate under federal and state law. The company is furnishing negative information to the credit bureaus and contacting me about a debt they can not legally prove they own or are authorized to collect. 

Specifically, I submitted a timely request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. In response, the collector failed to provide any of the following critical documents : Proof of ownership of the alleged debt A valid purchase agreement for the MIDLAND CREDIT MANAGEMENT containing my account A complete and unbroken chain of title from the original creditor to themselves A copy of their state bond or license required to collect in Illinois Without proof of ownership or a chain of title, MIDLAND CREDIT MANAGEMENT has no legal standing to pursue collection, report to credit bureaus, or claim any right to payment. Furthermore, furnishing derogatory credit information under such circumstances constitutes false and misleading representation under 15 U.S.C. 1692e and may also violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), for reporting unverifiable or inaccurate information.

I am requesting the following : 1. Immediate deletion of any credit reporting related to this account. 

XXXX. XXXX of all collection activity unless and until full validation and legal standing are established. 

XXXX. A complete investigation by your agency into MIDLAND CREDIT MANAGEMENT 's practices of reporting and collecting on debts without proper documentation. This complaint is being submitted in good faith to protect my consumer rights. The failure to provide ownership documentation while attempting to collect or damage my credit is not only unethical-it 's unlawful. 

Account Details ( if required by platform ) Collector : MIDLAND CREDIT MANAGEMENT Original Creditor : [ Original Creditor Name ] Alleged Account Number : # XXXXXXXX XXXX XXXX XXXX XXXX Date of alleged charge-off or transfer : [ XXXX ] Date of collector 's first contact : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: PA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 FRAUDULENT INQUIRIES : XXXX XXXX - XX/XX/XXXX XXXX CARD - XX/XX/XXXX XXXX CARD - XX/XX/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 2025-10-20 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: IN

Complaint narrative:
I recently reviewed my credit report and discovered that my credit file was accessed and used without my authorization. I contacted the listed companies, and none could provide written or verbal proof of authorization, nor documentation showing a Permissible Purpose under the Fair Credit Reporting Act ( FCRA ) 604 ( 15 U.S.C. 1681b ). 

Under the FCRA, a consumer reporting agency XXXX only furnish a report for specific purposessuch as a credit transaction initiated by the consumer, employment with written authorization, insurance underwriting, or a court order. None of these apply in this case, and no evidence has been provided that I initiated or consented to any such access. 

This constitutes an unauthorized use of my credit report and a violation of my privacy rights under federal law. They have failed to provide proof of permissible purpose, yet continue to maintain these records on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: IL

Complaint narrative:
Have not had any issues with XXXX until today, XX/XX/XXXX. My available cash showed as {$6800.00} that I could withdraw. I tried it multiple times and it said failed. Then, I noticed I had an account restriction. I called their customer service who provided me no help whatsoever. He said that I identified myself fine and he verified everything on my account. I told him I did not know if this was due to the XXXX outage and the failed withdrawal attempts. Money is just now sitting in there and can not be withdrawn. It says the review will be completed by XX/XX/XXXX even though nothing happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am a victim of identity theft. And have been locked out of my Experian account, and can not get any human on the phone. I've waited on hold for XXXX minutes to be hung up on by an automated teller. 

I've tried to reach out to multiple different numbers. But Experian is impossible to get a fraud resolution person on the phone. It's ridiculous!

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 2025-10-20 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: CA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/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 2025-10-20 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: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifax Information Services, XXXX XXXX XXXX XXXX XXXX XXXXSubject: Follow-Up on Previously Submitted Dispute\n\nDear Credit Representative,\nThis letter serves as a follow-up to my previous dispute regarding the accounts listed below. I previously disputed this information as inaccurate, yet your response stated that the accounts were verified. I am requesting clarification on how these items were verified.\nUnder the Fair Debt Collection Practices Act (FDCPA), I have directly contacted the creditors in question to request proper validation of the alleged debts. However, they have failed to provide verification or validation in accordance with FDCPA standards and guidelines.\nAccounts in Dispute: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\nI am enclosing copies of my previous requests sent to the CFPB and the creditors, asking them to validate these items. I was provided with no proper validation or verification in accordance with the FDCPA outlining my obligation or responsibility for these disputed accounts.\nUnder the Fair Credit Reporting Act (FCRA), you are required to verify the accuracy and validity of these items within XXXX days. If the information cannot be verified, you are obligated by law to remove it from my credit file.\nI urge you to remove these items immediately if proper verification cannot be obtained, to avoid the need for legal action. In the event you continue to report unverifiable or inaccurate information, I will find it necessary to pursue legal remedies for actual damages and declaratory relief. According to FCRA regulations, I am entitled to bring suit in any qualified state or federal court, including small claims court in my area.\nPlease provide written confirmation of the results of your reinvestigation, including documentation from each creditor used to verify the accounts in question.\nThank you for your prompt attention to this matter.\n\XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: NY

Complaint narrative:
The credit reporting agencies are not removing the XXXX   information in my public record in the consumer reports. I requested multiple investigations they refuse to delete after i stated no information from the court was provided to them regarding my XXXX. I have the government website where the county clerk stated that they do not provide any information regarding my public records. They are also violating my privacy right 15 U.S. code 1681 a ( 4 ). The furnisher of that information is the court, and the court stated they do not send any information to credit reporting agencies. I have attached document showing court does not provide any XXXX  related information to the 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 2025-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase Bank Accounts was opened without my consent Letter 1 XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Date of Birth : XX/XX/XXXX SSN ( Last XXXX digits ) : XXXX Date : XX/XX/XXXX To : XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX Subject : Request for Investigation and Removal of Inaccurate/Fraudulent Accounts Pursuant to 15 U.S.C. 1681c-3 ( FCRA Section 605C ) To Whom It May Concern, I am writing to dispute the accuracy and legitimacy of certain accounts appearing on my XXXX  credit report. Pursuant to 15 U.S.C. 1681c-3, I am requesting that you block and permanently remove any information resulting from identity theft or inaccurate reporting within four ( 4 ) business days of receiving this notice. 

The following accounts are disputed as they are inaccurate and/or the result of identity theft : Please investigate and remove these items from my credit file. If any information can not be deleted, provide a written explanation detailing your findings and the source of the data relied upon. 

Letter XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Date of Birth : XX/XX/XXXX SSN ( Last XXXX digits ) : XXXX Date : XX/XX/XXXX To : XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX Subject : Request for Investigation and Removal of Inaccurate/Fraudulent Accounts Pursuant to 15 U.S.C. 1681c-3 ( FCRA Section 605C ) To Whom It May Concern, This letter serves as a formal dispute of certain inaccurate and fraudulent information on my XXXX  credit report. In accordance with 15 U.S.C. 1681c-3, I am requesting that you block and delete this information immediately. 
Under the FCRA, you must block this information within four ( 4 ) business days and notify the furnishers that the data has been removed. Please provide written confirmation of your actions once completed. 


Letter 3 XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Date of Birth : XX/XX/XXXX SSN ( Last XXXX digits ) : XXXX Date : XX/XX/XXXX To : XXXX  XXXX XXXX XXXX XXXX. 
P.O. XXXX XXXX XXXX, TX XXXX Subject : Request for Investigation and Removal of Inaccurate/Fraudulent Accounts Pursuant to 15 U.S.C. 1681c-3 ( FCRA Section 605C ) To Whom It May Concern, This letter serves as a formal dispute of inaccurate and fraudulent information contained in my XXXX  credit file. Pursuant to 15 U.S.C. 1681c-3, I request that these items be blocked and permanently deleted from my report Please block and delete the disputed information within four ( 4 ) business days as required by law, and provide written confirmation once complete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
XX/XX/year> LVNV Funding LLC XXXX XXXX  XXXX XXXX, SC XXXX Subject : Formal Complaint and Request for Removal of Invalid Debt and Credit Reporting To Whom It May Concern, I am writing to formally dispute the reporting and handling of a debt associated with my name and personal information that has been transferred or sold by LVNV Funding LLC to another third-party debt collector without my consent. The debt in question appears to have been sold to XXXX XXXX XXXX XXXX XXXX XXXX and is beyond the statute of limitations for collection in the State of Illinois. 

Under Illinois law, as well as the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), it is unlawful to sell, assign, or attempt to collect a debt that is time-barred or to report inaccurate or unverifiable information to credit reporting agencies. 

Accordingly, I am requesting the following actions be taken immediately : Cease all collection and information-sharing activities related to this account, including communication with any third-party debt collectors. 

Remove any and all references to this debt from my credit report, as it is not legally valid for collection or reporting purposes under Illinois law. 

Provide written confirmation that this account has been closed, marked as disputed, and deleted from all consumer reporting agencies. 

Please be advised that continued reporting or sale of this debt may constitute violations of federal and state consumer protection laws. I request a written response to this letter within 30 days, as required under the Fair Credit Reporting Act. 
Please see attachment. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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:
This entry is not representative of my financial behavior and appears mistaken. I respectfully ask for its correction.

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