vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by Equifax Information Services LLC. Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing. 
Details of the Complaint : XXXX. Failure to Ensure Maximum Possible Accuracy The FCRA requires that credit bureaus and creditors ensure the accuracy of the information they report. My credit report contains inaccurate entries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that remain unverified despite formal disputes, causing significant harm to my credit score and credibility. Previous attempts to address these inaccuracies have been inadequately handled, demonstrating a failure to uphold FCRA standards for accuracy. 

XXXX. Inadequate Investigation and Reliance on Automated Verification Systems Under FCRA, 15 U.S.C. 1681i ( a ) ( 7 ) and 1681s-2, creditors and credit bureaus must conduct thorough investigations of disputed information. However, my previous disputes have been met with automated responses through systems like e-OSCAR, which fail to meet legal requirements for a complete investigation. This approach neglects a comprehensive review of the disputed entries, perpetuating inaccurate information on my report. 

XXXX. Non-Compliance with Truth in Lending Act ( TILA ) Requirements As outlined in TILA, creditors must issue clear and accurate billing statements and disclose essential account information to consumers Equifax Information Services LLC has not adhered to TILA requirements in handling my account, resulting in erroneous charges and inaccurate reporting. This failure to comply with TILA has compounded the inaccuracies on my credit report, further violating my rights as a consumer.

4. Violation of FDCPA Standards for Accuracy and Non-Deceptive Practices The FDCPA mandates that debt collectors and furnishers of information must report accurate, verifiable data. The accounts in question have been repeatedly reported inaccurately, with misleading information that has not been corrected despite my disputes, constituting a violation of FDCPA protections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In XXXX, I was approved for a {$2000.00} credit card with Chase Bank, with a minimum payment of $ XXXX and a promised lower interest rate or no interest. However, their advertisement was misleading, aiming to trick consumers into getting credit cards. I'm shocked to see $ XXXX {$60.00} in interest rates and late fees, despite being enrolled in autopay. I increased my monthly payment to {$80.00}, but they're still imposing unlawful charges. I've tried resolving this with them, reminding them of their recent $ XXXX lawsuit settlement for similar practices, but they're not helping. It seems they're using customers like me to boost their settlement funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX IN XXXX ACCOUNTS : XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$720.00} XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX Date : 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 non-monetary relief
Consumer complaint received 2025-06-20 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: OH

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX List of Unauthorized Inquiries : XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XXXX XXXX U.S.C XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) 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. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2025-06-20 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: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, SD XXXX Cease and Desist Request Regarding : Account Number : XXXXXXXX XXXX XXXX ( {$1000.00} ) Account Number : XXXXXXXX XXXX XXXX XXXX  ( XXXX ) I am writing to formally request that you cease all communication with me regarding the alleged debt associated with the above-referenced account. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C 1692c ( c ). I am exercising my right to demand that you stop all contact about this matter. This letter does not serve as an acknowledgement of the debt or an admission of any liability., Additionally, it you have not already provided verification of this alleged debt. I request that you do so in accordance with15 U.S.C. 1692g ( b ) Please be advised that if you to comply with this request. I will not hesitate to report your conduct to the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ) and my state Attorney General 's Office Thank you for your immediate attention to this matter Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, SD XXXX Cease and Desist Request Regarding : Account Number : XXXX * * ( {$1000.00} ) Account Number : XXXX * * * ( XXXX ) I am writing to formally request that you cease all communication with me regarding the alleged debt associated with the above-referenced account. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C 1692c ( c ). I am exercising my right to demand that you stop all contact about this matter. This letter does not serve as an acknowledgement of the debt or an admission of any liability., Additionally, it you have not already provided verification of this alleged debt. I request that you do so in accordance with15 U.S.C. 1692g ( b ) Please be advised that if you to comply with this request. I will not hesitate to report your conduct to the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ) and my state Attorney General 's Office Thank you for your immediate attention to this matter Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX Cease and Desist Request Regarding : Account Number : XXXXXXXX XXXX XXXX XXXX {$1000.00} ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to formally request that you cease all communication with me regarding the alleged debt associated with the above-referenced account. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C 1692c ( c ). I am exercising my right to demand that you stop all contact about this matter. This letter does not serve as an acknowledgement of the debt or an admission of any liability., Additionally, it you have not already provided verification of this alleged debt. I request that you do so in accordance with15 U.S.C. 1692g ( b ) Please be advised that if you to comply with this request. I will not hesitate to report your conduct to the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ) and my state Attorney General 's Office Thank you for your immediate attention to this matter Sincerely, 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 2025-06-20 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: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ARS National Services, Inc.
State: MA

Complaint narrative:
I received a verbal settlement offer from ARS National Services Inc. for my XXXX loan account ( loan amount is XXXX ) on XX/XX/year>. The payment/offer was due XX/XX/year>. When I asked on the XXXX for written confirmation of the settlement terms before submitting payment, the ARS representative sounded annoyed and insisted I didnt need that and that they dont send that. 

During this call, the representative repeatedly insisted that I give my bank account number for payment. I explained multiple times that I was not comfortable providing that information and preferred to use a cashiers check. The representative insisted that my bank account number would appear on a cashiers check anyway which is false. 

The representative also told me during our first call that she had just sent out the settlement email and I should receive it within XXXX hours. She even had me check my email during the call. However, when I called the next morning, a different representative contradicted that this was possible by telling me that a different part of the office handles sending those emails, and that department would not be available until later that morning. 

In this second call in which I had stated I had still not received the email, I asked to record the call and insisted that written confirmation be provided to show that the lump sum payment would resolve the debt with both the collector and the original creditor. After this, my phone calls stopped being answered. 

Later that day, on the XXXX, ARS sent an email that only stated they would follow through with whatever was said on the first call. The representative had been dodgy about agreeing to anything on the first call, including that this would satisfy the debt completely from their side, as well as XXXX. She would not state that this would prevent legal action. I also had not recorded this call. 

I have made multiple attempts by phone and email requesting written confirmation of the above terms I requested ( no legal action, the payment fully satisfying the debt ). I have received no response and have made multiple attempts by phone and email to request next steps. 

I believe that asking for transparency and asking to record the call led to retaliation. 

I am trying to resolve this account in good faith and move forward with my life. It is strange that after pursuing me for payment for so long and even contacting my family to ask for my address when I am finally able to pay, ARS is now refusing to communicate. This includes refusing to communicate when an offer was still valid, causing the time to run out on this offer. I do not know how to move forward in resolving this debt, and it keeps me in a position to worry about legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: GA

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-06-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Synovus Bank
State: FL

Complaint narrative:
ON or about XX/XX/year> I Received a credit card offer form a credit Comsumer website, for a credit that had very small limit and a very high fees, so after a couple of months, I decided that this particular card no advantage for at all.so i call the card company and { requested } that the card be canceled. and i wanted to pay the entire complete balance off, which i did over the phone, i was told by the customer representative that call was being recorded for quality service something i have heard many times before, Oniy to find out a couple months later they had not cancel the card at all and still charging me, AND THIS IS BEING REPORTED TO ALL THREE CREDIT BUREAU.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
DEBTORS ARE REPORTING TO THE CREDIT BUREAUS ACCOUNTS THAT ARE FILED AND DISCHARGED UNDER BANKRUPTCY. UNDER 15 USC 1681EB THE FAIR CREDIT REPORTING ACT STATES THE CREDIT BUREAUS ARE LEGALLY REQUIRED TO MAINTAIN MAXIMUM POSSIBLE ACCURACY ON MY CREDIT REPORT SO HOW ARE THEY ACCURATE IF THE INFO THEY CLAIMED WAS VERIFIED BY THE COURTHOUSE WASNT EVEN VERIFIED OR PROVIDED BY THE COURTHOUSE, THAT IS INACCURACY, THATS A FCRA VIOLATION. CREDIT BUREAUS ARE REPORTING INFO THAT IS NOT ACCURATE AND VERIFIABLE

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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am addressing an issue concerning late payments that appear on my credit record which I believe are inaccurate or improperly reported. After thorough review of my financial records, I discovered these disputed late payment entries that do not align with my actual payment history. Despite having sent correspondence regarding this matter over 30 days ago requesting proper validation and documentation, I have not received any response from the creditors or reporting agencies, and they have failed to provide satisfactory evidence supporting the accuracy of these negative marks on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: EQUIFAX, INC.
State: NC

Complaint narrative:
It has been XXXX  days, and the company has not responded to my direct demand letter or provided proof of verification. This continues to violate FCRA 1681i and 1681s-2 ( b ). I am requesting full deletion or I will escalate legally.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: IN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: NY

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ).

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
Received a call from a debt collector claiming to be for XXXX & he caught a nasty attitude with me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
for years now i have battled all three bureaus for illegally reporting information i requested investigations on because i knew they were fraudulent and one in particular was inconsistent and incorrectly reported which was commenity and turned to XXXX credit reporting i requested investigation include my consent and since i have had a fraud alert active for years all of the inquiries without my id or signature were done fraudulently and commenity also. the investigations are false because they state the data is correct but as a victim of fraud i guarantee there is no consent signed by me and no id on file and in the fraud alert there is a phone number they must contact me on to get credit authorization and yet this also was overlooked. my credit score does not go up it pnly goes lower although i have not had anything other than three or 4 vehicles paid off and a few positive accounts after the troubles of bankruptcy i feel i am a target of keeping my credit score down and i need immediate action to remove all inquiries soft and hard and request a investigation to all of the inquiries and to keep in mind there was a fraud alert that was disregarded and i need proof of my identity a physical copy and my physical signature myidentity was compromised and i received so many denials i did not apply wi my social security and my address i have a vehicle i dd not apply for anything and i need my score corrected

Company response to consumer: Closed with non-monetary relief