vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 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: FL

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX and Cherry Technologies , Inc. regarding a CoolSculpting package I financed through Cherry for {$5300.00}. Despite full compliance on my part, the services rendered failed to yield the results advertised and expected. 
XXXX  in-office marketing and online advertising include before/after photos and language implying guaranteed or substantial results, which I did not receive. I raised this concern and attempted to work with XXXX and Cherry for resolution. 
Cherry acknowledged the FTC Holder Rule applies to this loan but refuses to take responsibility, despite being legally required to under 16 CFR 433. They now claim my evidence is insufficient, even though Ive provided documentation including photos, emails, and timeline. 
XXXX has offered limited partial refunds contingent on my signing a waiver and visiting the officeboth of which are coercive and not legally required under the Holder Rule. 

Timeline of Events : XX/XX/XXXX XX/XX/XXXX : Underwent CoolSculpting procedures at XXXX XXXX XXXX as part of a package financed through Cherry for {$5700.00}, {$140.00} paid as down payment. 
XXXX XXXX : Expressed concern to XXXX that results were minimal to nonexistent despite full course of treatments. 
XX/XX/XXXX : Final treatment completed. Continued to monitor results. No visible change, no improvement in measurements. 
XX/XX/XXXX : Contacted XXXX again. Was dismissed or told to wait longer for results. 
Late XXXX : XXXX XXXX continued advertising guaranteed or dramatic results, inconsistent with what I experienced. 
Early XXXX : Initiated dispute with Cherry per their protocol. Provided emails, photos, and XXXX marketing screenshots. 
XXXX XXXX : Acknowledged FTC Holder Rule applies but claimed services were completed and dispute insufficient. 
XXXX Offered Partial Refunds ( first 30 %, then 25 % ) : Contingent on waiving rights and coming into the office. I declined in favor of documented email communication. 
XX/XX/XXXX : Reached out again for resolution. Both parties have gone quiet or are stalling.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/year> Equifax, Experian TransUnion Subject : Request to Block Fraudulent Information Under 15 U.S.C. 1681c2 Dear Sir or Madam, I am writing to formally dispute certain information on my credit report that I believe is the result of identity theft. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c2, I am requesting that the following fraudulent information be blocked from my credit report : Creditor Name : XXXX # XXXX. XXXX XXXX : XXXX XXXX # XXXX Creditor Name : XXXX XXXX XXXXXXXX. XXXX XXXX : # XXXX I did not open this account, authorize its opening, or engage in any transactions related to it. Therefore, I assert that this information is not related to any transaction I have made. 

In accordance with 15 U.S.C. 1681c2 ( a ), I am providing the following documents to support my request : 1. Proof of Identity : [ e.g., Copy of Driver 's License, Utility Bill ] 2. Identity Theft Report : [ e.g., Police Report, FTC Identity Theft Report ] 3. Statement : I affirm that the above-mentioned information is not related to any transaction I have made. 



Please block the fraudulent information from my credit report within four business days of receiving this request, as stipulated by the FCRA. Additionally, please notify the furnisher of this information that it may be the result of identity theft, that an identity theft report has been filed, and that a block has been requested, including the effective dates of the block, as required under 15 U.S.C. 1681c2 ( b ).

I appreciate your prompt attention to this matter and request written confirmation once the fraudulent information has been blocked. 

Sincerely, XXXX XXXX Enclosures :

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 2025-05-07 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: FL

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX  XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : 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 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 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 XXXXXX/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 explanation
Consumer complaint received 2025-05-07 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: DE

Complaint narrative:
I noticed an unauthorized inquiry on my credit report from XXXX  on or around XX/XX/year>. I called XXXX  to explain the matter and they directed me to contact the creditor. On XX/XX/year> I contacted CITIBANK, CBNA on my credit report and spoke to the fraud department. I explained the situation. They said that they would delete the application and have the inquiry removed from my credit report and would send an email to XXXX. I checked my credit report XXXX XX/XX/year> and the inquiry was still there. I called CITIBANK on XX/XX/year> and spoke to the underwriter and he informed me that the letter was sent out to me on XX/XX/year>. I received the letter on XX/XX/year> and immediately filed another dispute. Today I received an email from XXXX  stating that they were not removing the inquiry. I just called them to explain at XXXX and spoke to an agent. He said he would put in a request to have the inquiry deleted. He asked me to hold for XXXX or XXXX minutes so that he could get me a confirmation number. While waiting I was directed to a survey and the phone hung up. I am very tired of this back and forth. XXXX  has given me different rules on how to dispute this inquiry every time. I have done everything that I have asked to do, now they are telling me to do something different.

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: CL Holdings LLC
State: SC

Complaint narrative:
I contacted XXXX multiple times, beginning around XX/XX/year>, to resolve an issue related to my credit report. Each time I called their customer service number, i was routed through an automated phone system that did not allow me to speak to a live representative, and even tried calling during different times and days, but i continued to be directed back to automated responses, The automatic system repeatedly gave me the same general information, which did not address my specific issue. I also attempted to resolve the matter online and through XXXX  's dispute center, but received no meaningful resolution. As of today, the issue remains unresolved, and I have been unable to speak with a human representative multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: CA

Complaint narrative:
Date : XX/XX/year> To : Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Notice of Deletion by XXXX and Request for Immediate Removal of Unverifiable Account XXXX Charge-Off ( {$700.00} ) Dear Equifax, I am writing to formally notify you that I recently disputed a XXXX charge-off account in the amount of {$700.00} that appeared on my XXXX credit report. Following the conclusion of their investigation, XXXX completed the dispute on XX/XX/year>, and completely deleted the account from my credit file. 

This removal confirms that the account in question could not be verified under the standards set by the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i ( a ) ( 5 ) ( A ). As such, I am now requesting that your agency take immediate action to delete this unverifiable and inaccurate account from your records as well.

Under FCRA Section 611 ( 15 U.S. Code 1681i ), consumers have the right to dispute any information they believe is inaccurate. Credit reporting agencies are required to investigate and verify the information with the data furnisher. If the information can not be verified, it must be removed. Given that XXXX has already deleted this account due to the inability to verify it, continued reporting of this unverifiable debt by your agency would constitute negligent or willful noncompliance with federal law. 

You are hereby requested to complete your investigation and remove this unverifiable account within 30 days, as required under FCRA guidelines. Failure to do so may result in a violation of FCRA Sections 616 and 617 ( 15 U.S. Code 1681n and 1681o ), which provide for civil liability, including actual damages, punitive damages, and attorneys fees for failure to comply with the law. 

Please consider this letter a formal request to update and correct my credit report immediately. I am also submitting this to the Consumer Financial Protection Bureau ( CFPB ) as part of an official complaint to ensure full accountability and compliance with federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Re : Complaint Against TransUnion, XXXX XXXX. XXXX XXXX refusal to reinvestigate or even acknowledge the Power of Attorney violates the FCRA, 15U.S.C. 1681i ( a ), which requires them to treat any properly submitted disputewhether sent by the consumer or an authorized agentby conducting a reasonable reinvestigation within 30 days and providing written results.

1. Summary of Issue I submitted a dispute to TransUnion on XX/XX/year>, asking them to investigate and correct multiple inaccurate items on my credit report, including [ identify the specific tradelines or inquiries ]. On XX/XX/year>, TransUnion sent me a stalling letter stating my request could not be processed because it purportedly did not come directly from me or an authorized third party. TransUnions response violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), which requires credit reporting agencies to conduct a reasonable reinvestigation of any dispute submitted by the consumer. 

2. What Happened ( Facts ) XX/XX/year> I submitted my dispute directly to TransUnion, via certified mail, including my personal identifying information and clear explanation of each item I believed to be inaccurate. 

XX/XX/year> TransUnion responded ( XXXX XXXX. XXXX ) that they would not process my dispute because it did not appear to come directly from me or an authorized third party. 

TransUnions letter ignored that ( a ) I indeed sent the request myself in my own name, ( b ) they provided no explanation how my dispute was improperly submitted, and ( c ) they failed to conduct any reinvestigation or provide me with the results or a statement of the dispute outcome.

3. Laws Violated 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Upon receiving a dispute from a consumer, a consumer reporting agency must conduct a reasonable reinvestigation within 30 days and promptly provide the consumer with the written results.

15 U.S.C. 1681i ( a ) ( 2 ) : If disputed information is found to be inaccurate, the agency must promptly delete or modify the item.

15 U.S.C. 1681i ( a ) ( 6 ) : The agency must include with its written results a notice of the consumers right to add a statement explaining the dispute.

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 2025-05-07 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: SC

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

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 2025-05-07 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-07 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX through XX/XX/XXXX i was charged a deposit by XXXX XXXX in the amount of {$50.00} each day. However the XXXX takes {$10.00} out each day for parking. So I should have a refund for {$40.00} for each day from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX totaling {$120.00}. However cash app isn't explaining why they won't release my funds on their end. I've filed 3 different disputes and they continue to refuse my dispute without looking into the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Bread Financial Holdings, Inc.
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights, under 15 USC1681 section 602, states that I have the right to privacy, 15USC 1681section 604A section 2, it also states that a consumer reporting agency can not furnish an account with my written instruction. Under 15USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: TN

Complaint narrative:
I am requesting the immediate blocking and removal of unauthorized accounts from my credit report. I did not authorize or initiate these accounts and am unfamiliar with their origin. As stated under USC 1681g, I ask for their removal within the next 15 days. Enclosed are relevant documents for your review. There are also discrepancies, with different account details reported to each bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: VA

Complaint narrative:
According to the law Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 this account XXXX XXXX Bankruptcy account number XXXX is not my account, and it is in violation of the above laws

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: MI

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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 non-monetary relief
Consumer complaint received 2025-05-07 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 was a victim of identity theft. There are inquiries on my Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/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 2025-05-07 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: FL

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-05-07 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: Sequium Asset Solutions, LLC
State: LA

Complaint narrative:
Issue : discovered that a debt of {$630.00}, originally from XXXX XXXX, is being reported by Sequium Asset Solution, but this debt is a result of identity theft. 

- XX/XX/year> : The account was opened, but you did not authorize it or incur this debt. 
- Since discovering the issue, I have taken steps to address the identity theft. 
- I've contacted the credit bureaus to dispute the fraudulent debt - I've reached out to Sequium Asset Solution or XXXX XXXX for resolution, left several voicemails no return my call

Company response to consumer: Closed with non-monetary relief