vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: NY

Complaint narrative:
In XX/XX/XXXX I received a collections letter from Penn Credit Corp ( collections agency for XXXX XXXX XXXX ) concerning a gas bill for a house in Oklahoma. 

I have never opened an account with XXXX XXXX XXXX nor have I ever lived in Oklahoma. I have lived in New York for the past 14 years. 

In addition, I have never received a bill from XXXX XXXX  XXXX, but somehow they indicate I opened an account with them in XX/XX/XXXX and billed me for a few months starting in XX/XX/XXXX before they closed that referenced account out indicating non-payment. I reached out to the credit reporting agencies to dispute this matter but thus far they have not removed this erroneous collections, stemming from identity fraud, off of my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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 filling to formally dispute several hard credit inquiries that appear on my credit report, which I do not recall authorizing or for which permissible purpose has not been verified. These inquiries are negatively affecting my credit standing and may violate provisions of the Fair Credit Reporting Act ( FCRA ). 

XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: TX

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

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 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Subject : Repeated Failure to Properly Investigate and Correct Inaccurate Information in Violation of the Fair Credit Reporting Act ( FCRA ) I am filing this complaint against Equifax, Experian, and TransUnion for ongoing violations of the Fair Credit Reporting Act ( FCRA ). Despite submitting multiple formal disputes regarding inaccurate and unverifiable information on my credit reports, the credit bureaus have failed to comply with federal law by refusing to properly investigate, correct, or verify the disputed items.

Each bureau has issued generic verified responses without providing the legally required method of verification under 15 U.S.C. 1681i ( a ) ( 7 ). These actions violate 1681i ( a ), which mandates a reasonable reinvestigation of disputed information, and 1681e ( b ), which requires reasonable procedures to ensure maximum possible accuracy.

Unresolved and Inaccurate Information The following accounts, inquiries, and personal information remain inaccurate, unverifiable, or unauthorized despite multiple dispute submissions : Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXXXXXX MI XXXX Incorrect Previous Address : XXXX XXXX XXXX, XXXX XXXX MI XXXX Incorrect Employer : XXXX XXXX XXXX Unauthorized Inquiry : XXXXXXXX XXXX  dated XX/XX/scrub>XXXX  Collection Account : XXXX XXXX XXXX  Account No. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off : XXXX XXXX XXXX  Account No. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off : XXXX XXXX Account No. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment ( Closed/Paid ) XXXX XXXX XXXX XXXX  Account No. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have disputed each of these items and specifically requested documentation proving their accuracy and authorization. To date, none of the credit bureaus have provided : The method and process used to verify each account or inquiry The name, title, and contact details of the furnishers contacted Any documentation or evidence relied upon in the verification process Violations of Federal Law The continued inaction and generic verified responses constitute multiple violations of the FCRA, including : 15 U.S.C. 1681e ( b ) : Failure to maintain reasonable procedures to ensure maximum possible accuracy 15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation of disputed information 15 U.S.C. 1681i ( a ) ( 7 ) : Failure to provide the method of verification upon request These repeated failures demonstrate willful or negligent noncompliance with federal consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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: TX

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

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 2025-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Chime Financial Inc
State: NC

Complaint narrative:
I only spent XXXX $ at the gas station the over charged me.So I called the people that over the store XXXX  XXXX  store they told me to contact my bank cause they been release forms saying any further any pre-authorization or hold of funds you see as requested by XXXX XXXX XXXX. We will not collect on it. Please release these funds and any associated fees that are accrued as a result of any holds immediately. chime tried to argue with me saying I did spent that but the store gave me a receipt saying I only played XXXX $ at the pump. They tried to play me like Im slow this the first time that chime did this and I don swipe my card multiple times at any gas station pump. Not even that when I had got a new phone & tried to access my account they wouldnt let me in. Saying it wasnt me and it was I knew my password and username I had to argue to access my account it got to the point I told them I was gone close the account for me to get back in it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible and fairness of credit reporting. Also, in XXXXXXXX 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 2025-10-23 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: PA

Complaint narrative:
This letter serves as my formal dispute of several collection and charge-off accounts currently being reported on my credit file. After a thorough review, I have determined that these accounts are inaccurate, incomplete, and/or unverifiable, and therefore must be deleted in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692.

Under FCRA 611 ( 15 U.S.C. 1681i ), I am exercising my legal right to request a complete reinvestigation of each disputed account. The credit reporting agency and the furnisher of the information are both required to verify the accuracy, completeness, and legitimacy of all data being reported. If proper verification including signed contracts, original account documentation, and lawful assignment of debt can not be provided, these items must be permanently deleted from my credit file. 

In addition, under FCRA 623 ( a ) ( 1 ) ( A ), furnishers are strictly prohibited from reporting information they know or have reasonable cause to believe is inaccurate. Reporting unverifiable or incomplete accounts constitutes willful noncompliance and a violation of federal law.

Furthermore, under FDCPA 807 ( 8 ) and 809 ( b ), debt collectors are prohibited from communicating or reporting debts that have not been properly validated. If any of the collection accounts listed on my report have not been verified with written proof of ownership and authorization to collect, they must be immediately removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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: FL

Complaint narrative:
I opened a XXXX  XXXX XXXX account on XX/XX/year>, issued through XXXXXXXX XXXX XXXXXXXX, and paid it off in full on XX/XX/year>. 
Despite completing all payments and closing the account with a {$0.00} balance, XXXX reported a 6089 day late payment to the credit bureaus for XXXX and XX/XX/year>. 
The late marks resulted from an autopay failure that I corrected immediately, and the account was brought current before payoff. 
I am requesting that XXXX XXXX and XXXXXXXX XXXX review and correct this reporting error to accurately reflect the account as paid in full and in good standing. 
Supporting documentation, including payment history and closure confirmation, is attached.

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 2025-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: NJ

Complaint narrative:
I purchased an insurance policy for myself only. XXXX, without my authorization, added my parents to my policy and charged me for their coverage. My parents already had their own insurance. I canceled the policy and refused to pay for this unauthorized service. XXXX then sent this invalid debt to collections, which is now damaging my credit report.

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 2025-10-23 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: FL

Complaint narrative:
I reviewed my Equifax credit report and found inaccurate personal information, including incorrect variations of my name and outdated employment details. 
On XX/XX/year>, I submitted a formal dispute to Equifax under Section 611 of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), requesting correction of these errors.

I asked them to update my file with accurate data and remove all outdated phone numbers. 
These inaccuracies could misrepresent my credit history. 
I am requesting CFPB assistance to ensure Equifax investigates and updates my report within the 30-day timeframe required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kimball, Tirey & St. John LLP
State: MO

Complaint narrative:
I was renting an apartment during the pandemic, after that I joined the United States XXXX, I gave my 30 day notice to vacate the apartment because I would be leaving the state. At the time we received a letter that we had to pay for the days we were there after the departure date, the manager was notified that we would be leaving the apartment well before the month was up and they were charging me for extra days of stay, the account went to collections because I requested that the amount was incorrect and that was never fixed, the account was paid but I did not agree

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Got a rental car from XXXX. It was XXXX way from XXXX XXXX XXXX XXXX. I was quoted {$130.00} for the rental and given and address and time window for the return on Saturday ( 1 day in total ). I complied. They checked my car in on Monday and charged me for the XXXX extra days ( over {$500.00} ). I emailed them the day I received the invoice ( XX/XX/XXXX ) and received no response. I called them on XXXX and they promised to resolve it. No response. I escalated to my credit card company, Capital One, today ( XX/XX/XXXX ). I called in and they set up the dispute. I provided my reservation quote, the actual invoice, and photographic proof that I dropped off the car on time and in compliance with the email I received. Less than an hour later, my dispute was rejected. I called Capital One to ask why and they said the dispute was set up wrong. I said that they were the ones who set it up and they offered no explanation but told me what to put in each field to guarantee it would process. I did this. A couple hours later I received a new alert that said Capital One would not help me and I should talk to XXXX. I feel trapped and stuck. XXXX won't respond/help and Capital One won't get involved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-23 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: NY

Complaint narrative:
The fair resolution is the permanent deletion of all inaccurate late payment entries for the listed accounts, as no proper billing notices or due date documentation were ever provided. I am requesting a full reinvestigation, deletion of any unverifiable late payments, and issuance of a corrected credit report with written confirmation. 

Account XXXX : XXXX. XXXX Account XXXX : XXXX XXXX. EXTRA Account Number : 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 2025-10-23 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: TX

Complaint narrative:
b'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 XXXX XXXX  data breaches, which exposed sensitive personal data to unauthorized parties.                             \n\nUNAUTHORIZED INQUIRIESXXXX 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 2025-10-23 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: PA

Complaint narrative:
I am writing to formally dispute the accuracy and validity of the accounts listed below. Under FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ), you are legally required to provide proper verification of these accounts. To date, no such verification has been provided. If you can not substantiate these entries with original documentation from the furnisher, you are required to remove them immediately. 
XXXX XXXX XXXX XXXXXXXX Balance : {$190.00} XXXX XXXX XXXX XXXX Balance {$14000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance {$32000.00} XXXX XXXX XXXX Balance {$0.00}

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