vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: CHERRY TECHNOLOGIES INC.
State: GA

Complaint narrative:
On XX/XX/year>, I received a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Within a few days, I began experiencing discomfort and noticed an issue with the filling. On XX/XX/year>, I returned and informed the office that the filling on my left side has a hole. During the follow-up, the second provider confirmed a fractured restoration on XXXX XXXX XXXX XXXX XXXX XXXX  I was never informed of the fracture at the time. 

However, due to ongoing pain and sensitivity, I later sought a second opinion. After a comprehensive evaluation by XXXX XXXX, I was informed that the same tooth ( # XXXX ) now requires a root canal due to a fracture likely caused during or after the initial filling. This was confirmed in their treatment plan and supported by radiographs and records, which I obtained after submitting formal requests. 

Cherry Technologies ( the third-party financing company ) is still attempting to collect full payment despite services not being properly rendered and the damage caused. I disputed the charges with Cherry and provided documentation, but they ruled in favor of the provider without fully acknowledging the clinical failure or the need for additional care now costing me nearly {$3000.00}. 

Additionally, I discovered through my insurance provider that XXXX XXXX may have underbilled my insurance and improperly overcharged me, which appears to be a recurring pattern. I have included documentation from my provider notes, radiographs, clinical summaries, and dispute correspondence. 

I am requesting that Cherry Technologies halt collections and close the balance, and that the CFPB investigate this matter further.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I did not authorize, in writing or otherwise, the inclusion of the mentioned transactions in my consumer report. I demand the removal of these accounts from my credit report. According to 15 U.S. Code 1681b - Permissible purposes of consumer reports, reporting can only occur with explicit written consent from the consumer. To my knowledge, I never provided such consent. Lack of consent constitutes identity theft under the law. As a consumer, I require immediate deletion of the accounts mentioned in this letter ; failure to comply will result in my pursuit of monetary damages through small claims court. Furthermore, I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) in line with their commitment to enforcing regulations that safeguard consumers, as delineated in 15 USC 6805.Furthermore, I am reporting this complaint to the Consumer Financial Protection Bureau ( CFPB ) in accordance with its commitment to implementing policies that safeguard consumers, as outlinedin15USC6805.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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:
I mailed the letter that's in my attachments to formally dispute the reporting of a late payment on my credit file. I requested an immediate investigation under the Fair Credit Reporting Act ( FCRA ) Sections 609 ( 15 U.S.C. 1681g ), 611 ( 15 U.S.C. 1681i ), and 623 ( 15 U.S.C. 1681s-2 ) regarding the accuracy and verifiability of this entry. They still haven't done anything yet or updated the late payment.

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 2025-07-31 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: TN

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 
Account Name XXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$19000.00} Account Name : XXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$2900.00} Account Name : XXXX XXXXXXXX Account Number : XXXX  Open Date : XX/XX/XXXX Balance : {$970.00} Account Name : XXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$2200.00}

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 2025-07-31 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: VA

Complaint narrative:
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 credit card account opened at XXXX XXXX XXXX  ACCOUNT # XXXX MORTGAGE WITHE CHANGED DATA DUE TO DATA BRECHES XXXX XXXX XXXX  ACCOUNT # XXXX LINE OF CREDIT WIYH XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX  THAT ARE REFLECTING MORE THAN ONCE FOR SAME ACCOUNT DEPT OF EDUCATION XXXX  ACCOUNT # XXXX ACCOUNT WITH XXXX XXXX ACCOUNT # XXXX ACCOUNT WITH XXXX XXXX XXXX SIMPLE ACCOUNT # XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. l '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, cand 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 2025-07-31 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:
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 credit card account opened at XXXX XXXX XXXX  ACCOUNT # XXXX MORTGAGE WITHE CHANGED DATA DUE TO DATA BRECHES XXXX XXXX XXXX  ACCOUNT # XXXX LINE OF CREDIT WIYH XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX  THAT ARE REFLECTING MORE THAN ONCE FOR SAME ACCOUNT DEPT OF EDUCATION XXXX  ACCOUNT # XXXX ACCOUNT WITH XXXX XXXX ACCOUNT # XXXX ACCOUNT WITH XXXX XXXX XXXX SIMPLE ACCOUNT # XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. l '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, cand 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 2025-07-31 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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: TX

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-07-31 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:
There is a fraudulent account listed on my credit report that I did not authorize or open. I have never had any association with the creditor listed, and this entry is an error that needs urgent correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: TX

Complaint narrative:
An account has been wrongfully reported under my credit file. I have never opened this account and suspect it to be a result of fraudulent activity.

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 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to notify you of a serious issue involving a fraudulent account that is currently being reported under my name. I have reviewed my credit report and found an account that I did not open, authorize, or have any knowledge of. I believe this account was reported in error or may be the result of identity theft.

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 2025-07-31 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am respectfully requesting that you correct a late payment entry that appears in error on my credit report. I have reviewed my account records and found no instance of delinquency for the reported date.

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 2025-07-31 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: MO

Complaint narrative:
Experian has failed to fulfill its legal obligations under the Fair credit reporting Act ( FCRA ) to conduct a reasonable reinvestigation of dispute information on my credit report, leaving inaccurate or unverified accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failed align with with experience, where Experian has neither corrected nor removed disputed accounts and leaving unresolved which is causing ongoing harm to my Credit which not allowing me to buy a home for me and my children. I am requesting immediate action to remove the disputed accounts as Experian inaction violates federal laws and my rights as a consumer

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 2025-07-31 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: AL

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 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 2025-07-31 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: MD

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: FL

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.

The accounts below have violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency if the person knows or has reasonable cause to believe that the information is innacurate

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 2025-07-31 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: NJ

Complaint narrative:
I submitted a formal dispute to the credit bureau, including all documentation required under federal lawnamely, a valid Identity Theft Report, proof of identity, and a written request pursuant to FCRA 605Brequesting the timely removal of fraudulent information from my credit report. Despite full compliance with these statutory obligations, the bureau failed to block the disputed information within the four-business-day timeframe mandated by law. I respectfully urge the CFPB to investigate this clear violation of the Fair Credit Reporting Act and to take appropriate enforcement action to ensure the permanent removal of the fraudulent data. For your review, I have enclosed copies of my dispute letter and all supporting documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-31 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Makes Cents, Inc. dba Advance.Cash
State: PA

Complaint narrative:
I am submitting this formal complaint regarding a highly predatory loan I received from Advance.Cash, an online lender claiming to operate under tribal law through the XXXX XXXX XXXX XXXX XXXX XXXX 

On XX/XX/year>, I borrowed {$1000.00} from this lender. The loan terms require me to repay {$250.00} biweekly over 20 payments, totaling {$5000.00}. According to the loan agreement, the Annual Percentage Rate ( APR ) is listed at an astronomical 729.66 %. 

I reside in XXXX, Pennsylvania, where state law clearly caps interest at 6 % APR ( or 24 % if a lender is CDCA-licensed ). Advance.Cash does not appear to hold any valid lending license in Pennsylvania and is charging interest that far exceeds state usury limits.

While the lender claims tribal immunity, Pennsylvania courts have repeatedly
ruled that such claims do not excuse compliance with state consumer protection laws, especially when loans are made to Pennsylvania residents.

I am requesting that your office : Investigate this lenders activities in Pennsylvania Determine if they are operating in violation of state lending and usury laws Prevent further exploitation of Pennsylvania residents through such illegal lending schemes I have attached a copy of the loan agreement for your review. I am also requesting your guidance on how to proceed regarding repayment, as I have already paid more than the original {$1000.00} borrowed.

Company response to consumer: Closed with explanation