vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-10 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: Meta Payments Inc.
State: AR

Complaint narrative:
I was scammed by an individual on XXXX XXXX offering me airline credit for exchange of {$450.00}. I trusted XXXX XXXX XXXX  and made sure the transaction was through Metapay and XXXX which offers protection. When the individual didnt send the airline credit I immediately contacted Metapay XXXX XXXX and XXXX XXXX report the fraud. Little I know that in cases if the seller marks it as " friends and family '' ( which I had no visibility ) I no longer have purchase protection. Therefore I am reporting this issue with the hope that the above financial institutions will not charge back my card for the fraud. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I opened a new PNC checking in branch on XX/XX/year> using the promotion code I was sent offering a " {$400.00} cash reward '' for meeting the requirements shown in the attached promotion. Both requirements were met however PNC never fulfilled the offer and I never received the {$400.00} cash reward as promised. I contacted PNC to open a case and their response was that " the offer required XXXX purchases so I did not qualify ''. This is incorrect based on the offer I received, attached here, that clearly specifies only XXXX total qualifying transactions, which I satisfied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-10 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n\nExperian\nXXXX XXXX XXXX XXXX XXXX\n\nSubject: Follow-Up on Dispute of Inaccurate Information on My Credit Report\n\nDear Experian,\n\nI am writing to follow up on my previous dispute regarding inaccurate information on my credit report, which I found during a recent review of my report from Experian. This dispute is being submitted pursuant to my rights under the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681, which mandates the reporting of accurate information by credit reporting agencies and furnishers of credit data.\n\nDisputed Account Details:\n\n1.\tXXXX XXXX XXXX XXXX XXXX XXXX\n2.\tXXXX XXXX XXXX XXXX XXXX XXXX.\tXXXX XXXX XXXX XXXX XXXX XXXX\n4.\tXXXX XXXX XXXX XXXX XXXX XXXX\tXXXX XXXX XXXX XXXX XXXX XXXX\n6.\tXXXX XXXX XXXX XXXX XXXX XXXXn\nThis account is inaccurately reported. I am attaching supporting documentation to prove that the information is incorrect, including:\n\n-\tCopy of ID\n-\tSSN\n-\tProof of Address\n\nAccording to the FCRA, you are required to investigate my dispute within 30 days of receiving this letter. I also remind you that under the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C.  1692, debt collectors and creditors must report accurate information and correct or delete incorrect data promptly.\n\n\n\nRequest for Action:\n1. Remove or Correct the Inaccurate Account: Please delete or correct this inaccurate information from my credit report across all relevant credit bureaus.\n2. Provide a Written Response: I expect a written acknowledgment of your receipt of this dispute within XXXX XXXX  business days, and a final resolution within the legally mandated timeframe.\n3. Notify the Bureaus: If you determine that the account was reported incorrectly, please inform all three credit bureaus so they can update my report accordingly.\n\nFailure to comply with these federal laws may result in a complaint to the Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), and the State Attorney Generals Office.\n\nLegal Notice:\n\nPlease be advised that this letter serves as formal notice that I reserve my rights under all applicable federal and state consumer protection laws. If further inaccuracies or noncompliance are identified, I may pursue additional actions.\n\nThank you for your prompt attention to this matter. Please send any responses or updates to XXXX.\n\nSincerely,\nXXXX 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 2025-11-10 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:
I am challenging the accuracy and reporting compliance of the following accounts and inquiries listed on my Experian credit report. Several of these accounts show outdated, inconsistent, or incomplete information. Please conduct a reinvestigation and remove any unverifiable or non-compliant data. 

Charged Off Accounts ( EX ) Creditor Account Number Date Opened Balance XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX BANK XXXX XX/XX/XXXX {$500.00} XXXXXXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX PREMIER XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$16000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$2000.00} ONEMAIN XXXX XX/XX/XXXX {$15000.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} Inquiries ( EX ) 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 2025-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RS Clark and Associates, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Fl XXXX XX/XX/XXXX XXXX XXXX XXXX Re : Cease and Desist Notice Account # XXXX To Whom It XXXX Concern, I am writing in response to your attempts to collect the above-referenced debt. Please be advised that I do not owe this debt and have no knowledge of any such obligation to XXXX XXXX XXXX or any related party. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I hereby request that you cease all communication with me regarding this alleged debt, except as permitted by law.

Additionally, under 15 U.S.C. 1692g, I am requesting validation of this debt. Please provide the following documentation : The name and address of the original creditor. 
Proof that I am legally obligated to pay this debt. 
An itemized accounting showing how the amount claimed was calculated. 
Documentation that your company is authorized to collect this debt in my state. 




Until you provide the above information, you are to cease all collection activity, including reporting or verifying this debt with any credit reporting agencies. Reporting unverifiable or inaccurate information may constitute a violation of the Fair Credit Reporting Act ( FCRA ) and the FDCPA. 



If you continue to contact me regarding this matter without providing proper validation, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Florida Office of the Attorney General.

Please note that this letter is not an acknowledgment of liability for the alleged debt but a request for your compliance with federal law. 



Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nEquifax Information Services, LLC\nXXXX XXXX XXXX XXXX XXXX\nSubject: Follow-Up on Dispute of Inaccurate Information on My Credit Report\nDear Equifax,\nI am writing to follow up on my previous dispute regarding inaccurate information on my\ncredit report, which I found during a recent review of my report from Equifax. This dispute is\nbeing submitted pursuant to my rights under the Fair Credit Reporting Act (FCRA), 15 U.S.C. \n1681, which mandates the reporting of accurate information by credit reporting agencies and\nfurnishers of credit data.\nDisputed Account Details:\n1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThis account is inaccurately reported. I am attaching supporting documentation to prove that\nthe information is incorrect, including:\n- Copy of ID\n- SSN\n- Proof of Address\nAccording to the FCRA, you are required to investigate my dispute within 30 days of receiving\nthis letter. I also remind you that under the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C.\n 1692, debt collectors and creditors must report accurate information and correct or delete\nincorrect data promptly.\nRequest for Action:\n1. Remove or Correct the Inaccurate Account: Please delete or correct this inaccurate\ninformation from my credit report across all relevant credit bureaus.\n2. Provide a Written Response: I expect a written acknowledgment of your receipt of this\ndispute within XXXX XXXX business days, and a final resolution within the legally mandated\ntimeframe.\n3. Notify the Bureaus: If you determine that the account was reported incorrectly, please\ninform all three credit bureaus so they can update my report accordingly.\nFailure to comply with these federal laws may result in a complaint to the Consumer Financial\nProtection Bureau (CFPB), Federal Trade Commission (FTC), and the State Attorney Generals\nOffice.\nLegal Notice:\nPlease be advised that this letter serves as formal notice that I reserve my rights under all\napplicable federal and state consumer protection laws. If further inaccuracies or noncompliance\nare identified, I may pursue additional actions.\nThank you for your prompt attention to this matter. Please send any responses or updates to\nXXXX.\nSincerely,\nXXXX XXXX'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this report because it is formally address a violation of the Fair Credit Reporting Act ( FCRA ) Section 611 ( B ) regarding the fraudulent material are reporting in my credit file. There are several fraudulent inquiries are opened under my name without my knowledge and I am asking to block and delete these fraudulent inquiries because I have no knowledge about them. And also, TransUnion premaritally blocked accessing my online account without letting me know. I have sent all documentation they requested asking to remove any block or internal lock from my service.transunion.com online account but they stated that they never remove the block online account. I have also submitted the Police Report from XXXX XXXX Police Department and including all fraudulent inquiries in the report. But TransUnion stated that it is not accept this police 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 non-monetary relief
Consumer complaint received 2025-11-10 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: MD

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-11-10 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: TN

Complaint narrative:
To Whom It May Concern : I am submitting this complaint regarding Equifax 's failure to properly investigate my consumer report dispute, in direct violation of their obligations under the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I filed a formal dispute with Equifax to correct fraudulent and inaccurate information appearing on my consumer report. Instead of conducting a proper investigation, Equifax responded with a stall letter that neither addressed my dispute nor took steps to resolve the inaccuracies. 

I am aware that the CFPB has recently filed a lawsuit against Equifax for these very same practices namely, their systemic failure to properly investigate consumer disputes. I am a direct victim of this misconduct. 

As a XXXXXXXX XXXX  who suffers from XXXX, this experience has been extremely stressful and emotionally triggering. I am currently in the process of closing on a mortgage, and I am under strict time constraints with only XXXX week remaining to finalize my home purchase. Equifaxs refusal to lawfully process my dispute is putting my homeownership at serious risk, compounding my stress and potentially causing irreparable harm to my financial future. 

I respectfully request that the CFPB take immediate action to ensure Equifax fully complies with the FCRA, properly investigates my dispute without further delay, and removes the fraudulent and inaccurate items from my consumer report. I also request that Equifax be held accountable for the injury and distress they have caused. 

I am attaching supporting documents, including copies of my dispute submission and Equifaxs stall letter, should you require further evidence of their noncompliance. 

Thank you for your immediate attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-11-10 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 am submitting this statement to formally dispute certain items appearing on my Experian credit file that I believe are inaccurate, unverifiable, or reported without proper authorization. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), Experian is required to ensure that every item on my credit report is accurate and can be substantiated with proper documentation from the original furnisher or inquirer. I have not authorized some of the hard inquiries listed, and there are also late payment notations that I believe were reported in error. I am requesting that Experian investigate these matters thoroughly and remove or correct any items that can not be fully verified. 

Items in Dispute : Charged-Off Accounts : ( None listed ) Inquiries : XXXX Card ( XX/XX/year> ) XXXX XXXX XXXX XXXX XXXX XX/XX/year> ) XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> ) These inquiries appear without my consent. I request proof of permissible purpose and signed authorization. If unavailable, please remove them immediately. 

Late Payments : XXXX XXXX ( Account : 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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I submitted a timely Validation of Debt request to CREDIT COLLECTION SERVICES regarding Account Number : XXXX * * * * for the alleged balance of {$310.00} under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. In that request, I specifically asked for proof of ownership of the alleged debt, a valid purchase agreement for the portfolio containing my account, a complete and unbroken chain of title from the original creditor to the debt collector, and a copy of their state bond or license required to collect in my state. Despite this request, CREDIT COLLECTION SERVICES failed to provide any of these critical documents. They continue to report negative information to the credit bureaus and attempt to collect on a debt they can not legally prove they own or are authorized to collect. By furnishing derogatory credit information without proof of ownership or proper documentation, they are in violation of 15 U.S.C. 1692e of the FDCPA and may also be violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), for reporting unverifiable or inaccurate information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: DC

Complaint narrative:
On XX/XX/XXXX, I submitted a request to change my repayment plan to the standard repayment plan. Despite submitting the request correctly and receiving no indication of any issue, the change was never processed. 

Then, on XX/XX/XXXX, I received a bill stating that I owed {$410.00}, an amount that is both incorrect and unexplained. When I contacted XXXX to clarify, I received no clear answer. Instead, a few days later, on XX/XX/XXXX, I was notified that my loans had been placed into forbearance without my request or consent. 

I followed up again on XX/XX/XXXX, providing all the same details and documentation I had shared before. I was told that I would receive a response within XXXX business days. That deadline has long passed with no resolution, no explanation, and no substantive update on the status of my repayment plan change or my account. 

Then, on XX/XX/XXXX, I received yet another notice instructing me to complete income recertification for an income-driven plan. This instruction makes no sense given that I have been actively trying to leave the SAVE plan and move to standard repayment. This repeated cycle of mixed messages and contradictory actions has created significant confusion and chaos. 

The situation is further complicated by the fact that interest has now begun accruing all because XXXX XXXX XXXX ( XXXX ) and XXXX are irresponsible. Even though the SAVE plan remains under legal review and my intent to switch to standard repayment has been clearly documented since XXXX. I am now being held financially responsible for errors and inaction that are entirely outside my control. 

Throughout this process, I have received conflicting information from XXXX and XXXX, been given inaccurate deadlines and assurances, and have been forced to follow up multiple times on what should have been a routine change. The lack of communication, accountability, and consistency has led to unnecessary financial stress and confusion, as well as interest accrual that should not have occurred. 

I did not initially realize I would need to document every step of this process, as I reasonably assumed competent handling of a straightforward repayment plan change. I am requesting that this situation be immediately corrected, that my account be placed on the standard repayment plan effective as of my original XX/XX/XXXX request, and that any interest accrued or billed in error be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: SC

Complaint narrative:
I am requesting Experian to conduct a full and fair reinvestigation of the information listed below. As a consumer, I believe certain reported items are inaccurate, incomplete, or unverifiable, and therefore require correction or removal pursuant to the Fair Credit Reporting Act. 

CHARGED-OFF ACCOUNTS UNDER DISPUTE ( EX ) Creditor Account # Date Opened Reported Balance XXXX XXXX XXXXXXXX XX/XX/XXXX {$1200.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$150.00} XXXX XXXX  XXXX XX/XX/XXXX {$750.00} LATE PAYMENTS REPORTED ( XXXX ) XXXX Acct : 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