vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am filing this complaint against XXXX XXXX  for an administrative error that resulted in a wrongful account closure and subsequent damage to my credit standing. On the XXXX, XXXX abruptly closed my XXXX  account ( Limit : {$10000.00} ), which I had just opened a week prior, citing 'suspicious activity ' related to retail purchases ( my XXXX XXXX  purchases from XXXX XXXX ). Despite my immediate dispute on the XXXX, I was told the decision was final and not to call for 30 days. 

This wrongful closure caused a nearly XXXX drop in my credit score and led to a 'Serious Delinquency ' denial from XXXX XXXX and XXXX and other creditors for which I had to use my personal credit to guarantee my business. 

The temporary 'Closed by Grantor ' status and high utilization caused measurable financial harm. I believe this was an automated risk algorithm error that XXXX failed to manually review in a timely manner and subsequently attempted to wrongfully destroy my credit. I lost nearly XXXX points because they not only inquired. 

Very unfair.

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 2025-12-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CHERRY TECHNOLOGIES INC.
State: SC

Complaint narrative:
I obtained financing through Cherry for dental services that were never rendered. The dental provider accepted the financing, did not perform the dental work, and is refusing to issue a refund or cooperate. Cherry has refused to resolve the issue despite multiple attempts to dispute the loan as services not rendered.

One Cherry loan in the amount of approximately {$2000.00} remains active even though no dental services were provided. A second loan was canceled, but the funds were never returned to me. I am being charged and reported on loans tied to services I did not receive.

I have contacted Cherry multiple times requesting a merchant dispute and resolution, and they have refused to assist. The dental provider is also uncooperative. I am now financially harmed and at risk of credit damage for services that were never delivered. 

I am attaching screenshots of loan amounts and dates. The bigger loan was for my husband and he literally never even went back. He decided to get a 2nd opinion for his teeth and he got his teeth taken care of for a fraction of what this dentist said he needed. Unfortunately I was already into the dental work they said I needed. They only did a portion of the work. I will pay for what they did but I already paid for work my husband didnt get done and now im paying for work on my teeth that isnt getting done either.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: LA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-19 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: CA

Complaint narrative:
I submitted a formal dispute letter to Experian on XX/XX/year>, regarding multiple inaccurate late payment entries reported on my credit file. Despite citing violations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), Experian has failed to provide proper verification, documentation, or correction of these entries. The reported late payments are the result of furnishers internal reporting errors, not actual delinquencies, making them inaccurate and unverifiable. Experian has therefore failed to conduct a reasonable reinvestigation as required by law. 

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 2025-12-19 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: VA

Complaint narrative:
I just want to Follow up this complaint regarding inaccurate reporting on my credit reports by TransUnion, Experian, and Equifax. My addresses are inconsistently reported, including XXXX XXXX, XXXX XXXX, XXXX  XXXX and XXXX XXXX XXXX XXXX XXXX XXXX  XXXX in TransUnion, and XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX  XXXX, and XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX  XXXX in Experian, which misrepresents my residence and violates my rights under FCRA 611 to dispute inaccurate information, 605 ( a ), 605 ( c ) regarding obsolete information and reporting limits, 623 ( a ) ( 5 ) for accurate dates of delinquency, and 623 ( a ) ( 1 ) ( A ) for accurate reporting. Additionally, a collection account for XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reported in Equifax with a balance of {$58.00} and last activity XX/XX/year>, but no payment history is available and it is not reported in TransUnion or Experian, violating DCPA 809 regarding debt validation rights and FDCPA 807-808 regarding misleading or unfair practices. These errors collectively misrepresent my credit obligations and personal information, creating confusion and potential financial harm.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I requested removal of an internal security block on my Equifax credit file so I can access my credit report. 

I previously provided government-issued photo identification, proof of address, and the last four digits of my Social Security number. 

I contacted Equifax by phone to confirm whether this documentation was sufficient. I was told that Equifax will not remove the internal block unless I mail a full copy of my Social Security card. 

As a XXXX XXXX XXXX XXXX, I believe mailing a full SSN document poses an unnecessary security risk. XXXX XXXX XXXX verified my identity using the same documentation without requiring a full SSN copy. 

I am requesting that Equifax remove the internal block or provide a secure alternative method of identity verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I disputed inaccurate credit reporting by Citibank , N.A . ( CBNA ) regarding a Best Buy credit card tradeline that was included in a XXXX  XXXX bankruptcy. Despite repeated disputes and completed investigations, CBNA continues to furnish inaccurate and internally inconsistent information to consumer reporting agencies. 

Using the same bankruptcy records and dispute information, revealed discrepancies across nationwide consumer reporting agencies. XXXX  determined that this CBNA tradeline could not be verified and deleted the account. However, CBNA continues to report the same account to XXXX XXXX XXXX with contradictory and misleading data. 

The XXXX  report reflects the account as Discharged through Bankruptcy XXXX XXXX / Never late, while simultaneously showing delinquency indicators that directly contradict both the bankruptcy discharge and the never late designation. XXXX  reporting reflects a different treatment of the same account. These inconsistencies demonstrate that CBNA is furnishing information that is not accurate, not consistent, and not verifiable. 

Although CBNA marked its investigations as complete, the inaccurate reporting was not corrected or deleted. This constitutes a failure to conduct a reasonable reinvestigation and a failure to ensure maximum possible accuracy after receiving actual notice of dispute. 

Furnishing information that has already been deleted by XXXX  due to unverifiable reporting establishes that the data lacks a reliable factual basis. Continued reporting under these circumstances violates the Fair Credit Reporting Act, including duties imposed on furnishers after dispute, and applicable provisions of the Texas Business & Commerce Code governing false, misleading, or deceptive credit reporting practices. 

Any reinsertion of this tradeline at XXXX, where it was deleted due to unverifiable reporting, would further violate federal reinsertion protections.

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 2025-12-19 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 just want to Follow up this complaint because my credit reports across TransUnion, Equifax, and Experian contain extensive inaccuracies, conflicting dates, inconsistent reporting patterns, and missing or unverifiable information that violate multiple provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). For example, the XXXX account XXXX XXXX, {$2000.00} ) is reported with three different dates of last activity XX/XX/XXXX on TransUnion, XX/XX/XXXX on Equifax, and XX/XX/XXXX on Experian making the information materially inconsistent ; similarly, the XXXX XXXX account ( XXXX, {$2800.00} ) displays XX/XX/XXXX on TransUnion and XX/XX/XXXX on Equifax while being omitted entirely from Experian, raising concerns about proper verification and furnishing accuracy. The XXXX  account ( XXXX, {$0.00} ) also shows contradictions with TU reporting XX/XX/XXXX, XXXX reporting XX/XX/XXXX, and XXXX reporting XX/XX/XXXX, while the XXXX XXXX XXXX ( XXXX, {$0.00} ) account appears with clashing datesXXXX on Equifax, XX/XX/XXXX on Experian and does not appear at all in TransUnions file, further demonstrating inconsistent reporting. Additionally, Experian reports a XXXX XXXX XXXX XXXX account ( XXXX, {$860.00} ) with a last activity date of XX/XX/XXXX, yet neither TransUnion nor Equifax list the account, suggesting potential inaccurate furnishing. Similar inconsistencies affect XXXX XXXX ( XXXX, {$4600.00} ) and XXXX XXXX ( XXXX, {$12000.00} ), where all three bureaus report different dates of last activity. XXXX ( XXXX, {$0.00} ) also shows conflicting datesXXXX on TU vs. XX/XX/XXXX on XXXXand is missing entirely from XXXX. Numerous collection accounts, including XXXX XXXX  ( XXXX XXXX XXXX ), XXXX ( XXXX XXXX ), XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX, contain inconsistent DOFDs, reporting dates, balances, and bureau-to-bureau discrepancies, with some appearing on one or two reports but omitted from the third, all of which violate FCRA 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 5 ), 605 ( c ), and 611 concerning the reporting of accurate and verifiable information. Even the hard inquiries reported are inconsistent, with XXXX XXXXXXXX, XXXX, XXXX, XXXX XXXX and XXXX XXXX appearing across some bureaus but not others, despite the FCRAs permissible purpose and accuracy requirements under 604 ( a ) and 611. After repeatedly reviewing these issues, I believe the credit bureaus have failed to maintain maximum possible accuracy, failed to verify information before reporting, and failed to correct long-standing errors despite federal obligations to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-19 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: GA

Complaint narrative:
I just want to Follow up this complaint because my credit reports across TransUnion, Equifax, and Experian contain extensive inaccuracies, conflicting dates, inconsistent reporting patterns, and missing or unverifiable information that violate multiple provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). For example, the XXXX account XXXX XXXX, {$2000.00} ) is reported with three different dates of last activity XX/XX/XXXX on TransUnion, XX/XX/XXXX on Equifax, and XX/XX/XXXX on Experian making the information materially inconsistent ; similarly, the XXXX XXXX account ( XXXX, {$2800.00} ) displays XX/XX/XXXX on TransUnion and XX/XX/XXXX on Equifax while being omitted entirely from Experian, raising concerns about proper verification and furnishing accuracy. The XXXX  account ( XXXX, {$0.00} ) also shows contradictions with TU reporting XX/XX/XXXX, XXXX reporting XX/XX/XXXX, and XXXX reporting XX/XX/XXXX, while the XXXX XXXX XXXX ( XXXX, {$0.00} ) account appears with clashing datesXXXX on Equifax, XX/XX/XXXX on Experian and does not appear at all in TransUnions file, further demonstrating inconsistent reporting. Additionally, Experian reports a XXXX XXXX XXXX XXXX account ( XXXX, {$860.00} ) with a last activity date of XX/XX/XXXX, yet neither TransUnion nor Equifax list the account, suggesting potential inaccurate furnishing. Similar inconsistencies affect XXXX XXXX ( XXXX, {$4600.00} ) and XXXX XXXX ( XXXX, {$12000.00} ), where all three bureaus report different dates of last activity. XXXX ( XXXX, {$0.00} ) also shows conflicting datesXXXX on TU vs. XX/XX/XXXX on XXXXand is missing entirely from XXXX. Numerous collection accounts, including XXXX XXXX  ( XXXX XXXX XXXX ), XXXX ( XXXX XXXX ), XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX, contain inconsistent DOFDs, reporting dates, balances, and bureau-to-bureau discrepancies, with some appearing on one or two reports but omitted from the third, all of which violate FCRA 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 5 ), 605 ( c ), and 611 concerning the reporting of accurate and verifiable information. Even the hard inquiries reported are inconsistent, with XXXX XXXXXXXX, XXXX, XXXX, XXXX XXXX and XXXX XXXX appearing across some bureaus but not others, despite the FCRAs permissible purpose and accuracy requirements under 604 ( a ) and 611. After repeatedly reviewing these issues, I believe the credit bureaus have failed to maintain maximum possible accuracy, failed to verify information before reporting, and failed to correct long-standing errors despite federal obligations to do so.

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 2025-12-19 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX XXXX I am submitting this complaint regarding the way this collection agency is reporting alleged debts on my consumer spending report. 

These accounts are being reported without proper verification and/or contains inaccurate and or unsubstantiated information. I previously disputed these accounts and requested validation, yet the collection agency continues to report the accounts without providing documentation showing the debt is accurate, that they have legal authority to collect, or that the information being furnished is complete and correct. 

The continued reporting of these accounts have negatively impacted my credit profile and does not appear to comply with federal consumer protection requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/year>, I used Afterpay to finance a six-month medical treatment purchase with a company called XXXX. The purchase amount charged by XXXX  was {$1700.00}, and with Afterpay fees the total financed amount was {$1800.00}. During the signup process, I was presented with options related to compounded medication versus branded medication when available. However, it was not clearly disclosed prior to payment that the compounded injectable medication itself was not XXXX, which is critical information for an injectable treatment. 

On the same day the payment was authorized, after reviewing the information more carefully, I became concerned about medical safety and requested cancellation before shipment. I also requested additional information regarding the quality, origin, and pharmacy source of the compounded medication. These questions were not answered. 

Despite my same-day cancellation request and unresolved safety concerns, the medication was shipped, and the merchant stated that no cancellation or refund would be processed once the order shipped. Shortly after, the merchant closed my account and removed prior messages, limiting my ability to resolve the issue directly. 

I then contacted Afterpay multiple times through the app and by phone, provided documentation, and explained that my dispute was based on misrepresentation and lack of informed consent prior to payment, not dissatisfaction with delivery. Afterpay stated that they would not reverse or pause the charge without confirmation from the merchant, even though the merchant refuses refunds categorically. 

The medication has not been opened or used, and installment payments have not yet started. I am concerned that I am being required to pay for a transaction that was authorized without full disclosure and where cancellation was requested before shipment.

Company response to consumer: Closed with explanation