vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
We called Citi Bank Customer Service on XX/XX/year> to question a late fee ( {$30.00} ) and an interest charge on our account ( {$3.00} ), as we always pay on time. The bill was due XX/XX/year> on a Saturday, and we were told the payment was on XX/XX/year>, the Sunday after. We asked to be given an adjustment of those financial charges, but were declined. Instead, our account was closed after a heated conversation, and the manager did not disclose to us what was going to happen to our accumulated Cash Back Rewards of {$26.00}, which turned out to be confiscated.

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 monetary relief
Consumer complaint received 2025-06-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: CHERRY TECHNOLOGIES INC.
State: AK

Complaint narrative:
I want to clarify that my primary dispute is now with Cherry Technologies, the lender who financed the defective service I received from XXXX. While this original complaint reflects the quality issues with XXXX service, the enforcement of payment and negative credit reporting is now being handled by Cherry.

I am submitting a separate complaint under Cherry Technologies and request that this original complaint be treated as background documentation for the larger dispute. 

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : On XX/XX/year>, I entered into a retail installment loan agreement with Cherry Technologies Inc. to finance a {$700.00} hair extension service from their partner merchant, XXXX XXXX of XXXX at XXXX XXXX, in XXXX, Alaska. My contract number is XXXX. The service I received was defective. The extensions were not installed properly for my hair texture and began loosening within days. I experienced inflammation and physical discomfort, and I ultimately had them removed just XXXX  days later on XX/XX/XXXX due to the unraveling and slipping of beads, some of which were missing silicone and improperly secured. I contacted XXXX multiple times to request correction or refund, but they dismissed my concerns and took no accountability. I was not offered a reinstallation, partial refund, or any meaningful resolution. I then submitted a formal dispute letter to Cherry Technologies, referencing my rights under the FTC Holder Rule, which is explicitly included in my loan agreement. I requested that they suspend future payments and investigate the matter, since the merchant they financed provided a defective and potentially harmful service. Cherry responded stating that they can not process refunds directly and that they are bound by the practices cancellation and refund policies. They directed me to contact XXXX again, the same provider who already refused to take accountability, and told me to submit a portal dispute, which I have done. Cherry further stated they can not guarantee a resolution in my favor and gave no indication that they are honoring the Holder Rule, which entitles me to raise these claims against the lender when the seller fails to deliver. I am requesting that Cherry be held accountable under the FTC Holder Rule and that this dispute be taken seriously. I am also requesting that : Payments be suspended while this is under investigation. No negative credit reporting or collections activity occur. A full or partial refund be issued, based on the documented failure of the service. I am acting in good faith, and it is unreasonable for a third-party lender to provide financing for a partner merchant and then deny all responsibility when that merchant delivers defective or harmful service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: FL

Complaint narrative:
I hope this complait finds you well. I am writing to follow up on the previous complaints I submitted concerning specific items on my credit report. 
To date, I have not received any response or update regarding the resolution of the disputes I submitted to the credit bureaus. While I understand that these investigations can take time, I would appreciate an update on the current status and any progress that has been made toward resolving the matters outlined in my earlier correspondence. 
Below is a list of the items I am requesting to be removed from my credit file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$460.00} XXXX XXXX XXXX Balance : {$110.00} XXXX XXXX/XXXX/2025

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 2025-06-14 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: FL

Complaint narrative:
I hope this complait finds you well. I am writing to follow up on the previous complaints I submitted concerning specific items on my credit report. 
To date, I have not received any response or update regarding the resolution of the disputes I submitted to the credit bureaus. While I understand that these investigations can take time, I would appreciate an update on the current status and any progress that has been made toward resolving the matters outlined in my earlier correspondence. 
Below is a list of the items I am requesting to be removed from my credit file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$460.00} XXXX XXXX XXXX Balance : {$110.00} XXXX XXXX/XXXX/2025

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 2025-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
In XXXX and XX/XX/year>, I was targeted by an attempted scam where a buyer asked me to link their bank account to my PayPal to send payment for digital content. The process required a code, which I never shared. The buyer disappeared shortly after, confirming the scam attempt.

After this, PayPal permanently limited my account and placed a hold on {$280.00} in my balance, citing unusual activity. I contacted PayPal multiple times between XX/XX/XXXX and XX/XX/year>, explaining that I was the victim, offered to refund the buyer, and requested the release of my funds.

PayPal refused to release the funds and stated the hold could last up to 120 days. They also said my account was permanently limited and most features deactivated. Despite my efforts to resolve the issue, PayPal has not provided a satisfactory response or a timeline for the release of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Several companies have accessed my credit report without authorization, damaging my credit and score. Despite prior assurances from your representative that these inquiries would be removed, they remain. This inaction is unacceptable and raises serious concerns of identity theft. The ongoing presence of these entries is causing continued XXXX  and financial harm. I demand an immediate investigation and the prompt removal of all unauthorized inquiries.

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 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My name is XXXX XXXX, my Social Security number is XXXX, my Date of birth is XX/XX/XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. This fraudulent, inaccurate, and false information consists of a personal loan account opened with XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX, an auto loan account opened with XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX, an account opened with XXXXXXXX XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX, a deposit account opened with XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX, a phone account opened with XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX, and an installment account opened with XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My name is XXXX XXXX, my Social Security number is XXXX, my Date of birth is XX/XX/XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. This fraudulent, inaccurate, and false information consists of a personal loan account opened with XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX, an auto loan account opened with XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX, an account opened with XXXXXXXX XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX, a deposit account opened with XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX, a phone account opened with XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX, and an installment account opened with XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-06-14 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: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AR XXXX XX/XX/2025 To : XXXX XXXX XXXX XXXX : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ Equifax, Experian, or TransUnion ]. This request is based on the recent deletion of an account by XXXX, XXXX of the XXXX major credit reporting agencies. I recently disputed a charge-off for {$550.00} from XXXX, listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XX/XX/2025. 
According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. 
Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 
Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: TX

Complaint narrative:
Several companies have accessed my credit report without authorization, damaging my credit and score. Despite prior assurances from your representative that these inquiries would be removed, they remain. This inaction is unacceptable and raises serious concerns of identity theft. The ongoing presence of these entries is causing continued XXXX  and financial harm. I demand an immediate investigation and the prompt removal of all unauthorized inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: FL

Complaint narrative:
I reviewed my credit report and noticed an unauthorized account being reported. I reached out to the company ( XXXX XXXX XXXX ) and have email correspondence between me and the representative from XXXX XXXX XXXX on steps to take to resolve this issue. I went to XXXX XXXXXXXX XXXX XXXX and filed a report. I am asserting that i did not open this account and have no knowledge or association with it.

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 2025-06-14 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:
( XXXX XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), an installment loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a auto loan opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), an installment loan opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), an personal credit card opened at XXXX on XX/XX/XXXX under the account number ( XXXX ), an personal credit card opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) and a installment loan opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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:
On several attempts I have reached out to Experian to have them to remove the derogatory information off of my credit report for non-payment of medical bills that are the responsibility of the XXXX  XXXX XXXX XXXX, as I am a XXXX  % XXXX XXXX. 

I have provided the Member XXXX and the Plan XXXX that shows ownership to the XXXX XXXX XXXX XXXX XXXX however Experian never investigates this in order to rectify the situation.

Company response to consumer: Closed with explanation