vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-02 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: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX has continued to harass me and others since purchasing this KNOWN FRAUDULANT DEBT from XXXX XXXX. In XXXX  someone made multiple fraudulent purchases in my name including one at XXXX XXXX. I have never used this merchant. My bank identified it immediately as part of the compromise to my finances and accounts and ruled it as fraud, notified XXXX XXXX and reversed all charges. 
At that time, the debt was sold to XXXX who began harassing people mercilessly. A complaint was filed, a CFPB complaint was filed, and all three credit agencies were notified that the collection added at that time was indeed fraudulent and XXXX is aware of that. 
The collections were removed from my file at that time. 
XXXX, knowing the " clock '' is running out on the debt has begun aggressive attempts again, in bad faith, and knowing the debt has been deemed fraud and already removed prior on multipole occasions, resumed calling, and threatening again. The XXXX agent stated they did not care who the debt belonged to, if it were fraud, etc. and stated they would damage my credit intentionally to cause me harm and force me to pay the debt regardless of its fraudulent status. They readily admit it had been established that this debt has been determined to be fraud in the past. 
XXXX further stated they saw I had applied for loans and was making soft pulls looking at autos and would sabotage that. 
Indeed, XXXX has done this and has intentionally and with malice aforethought once again filed a collection on the fraudulent debt that they are very aware I am not responsible for, my bank has ruled as fraud and charged back to the original merchant, has been removed from my file multiple times, and once again filed a collection on all three agency files to intentionally cause me mental anguish, financial hardship, cause the denial of loans to leave me without transportation, harm my future employment status, leave me unable to seek medical attention for myself as a XXXX individual with limited mobility, place my XXXX son at risk and unable to seek therapies, treatments, and educational opportunities solely to force me to pay XXXX a debt I do not nor never have had a responsibility for and XXXX admittedly state they are aware of my lack of responsibility. 
All of this is documented by bad faith and predatory behavior that the firm has exhibited and has a known systematic pattern of documented behavior and legal filings from consumers against XXXX. 
I would demand that XXXX remove the collection from my file immediately, compensate me financially for the FCRA violations they are in contempt of, and that all three major credit agencies IMMEDIATELY remove the collection from my file, or they too face repercussions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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: PA

Complaint narrative:
XXXX has continued to harass me and others since purchasing this KNOWN FRAUDULANT DEBT from XXXX XXXX. In XXXX  someone made multiple fraudulent purchases in my name including XXXX at XXXX XXXX. I have never used this merchant. My bank identified it immediately as part of the compromise to my finances and accounts and ruled it as fraud, notified XXXX XXXX and reversed all charges. 
At that time, the debt was sold to XXXX who began harassing people mercilessly. A complaint was filed, a CFPB complaint was filed, and all three credit agencies were notified that the collection added at that time was indeed fraudulent and XXXX is aware of that. 
The collections were removed from my file at that time. 
XXXX, knowing the " clock '' is running out on the debt has begun aggressive attempts again, in bad faith, and knowing the debt has been deemed fraud and already removed prior on multipole occasions, resumed calling, and threatening again. The XXXX agent stated they did not care who the debt belonged to, if it were fraud, etc. and stated they would damage my credit intentionally to cause me harm and force me to pay the debt regardless of its fraudulent status. They readily admit it had been established that this debt has been determined to be fraud in the past. 
XXXX further stated they saw I had applied for loans and was making soft pulls looking at autos and would sabotage that. 
Indeed, XXXX has done this and has intentionally and with malice aforethought once again filed a collection on the fraudulent debt that they are very aware I am not responsible for, my bank has ruled as fraud and charged back to the original merchant, has been removed from my file multiple times, and once again filed a collection on all three agency files to intentionally cause me mental anguish, financial hardship, cause the denial of loans to leave me without transportation, harm my future employment status, leave me unable to seek medical attention for myself as a XXXX individual with limited mobility, place my XXXX XXXX  at XXXX  and unable to seek XXXX XXXX XXXX XXXX XXXX solely to force me to pay XXXX a debt I do not nor never have had a responsibility for and XXXX admittedly state they are aware of my lack of responsibility. 
All of this is documented by bad faith and predatory behavior that the firm has exhibited and has a known systematic pattern of documented behavior and legal filings from consumers against XXXX. 
I would demand that XXXX remove the collection from my file immediately, compensate me financially for the FCRA violations they are in contempt of, and that all three major credit agencies IMMEDIATELY remove the collection from my file, or they too face repercussions.

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 2025-01-02 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: Sezzle Inc.
State: NY

Complaint narrative:
I am filing this complaint regarding unreasonable and excessive fees charged by Sezzle. On [ specific date ( s ) ], I was charged fees that I believe are unfair and disproportionate, such as [ example : " a {$10.00} or more for None late payment, just because the payment didnt go from the autopay and {$50.00} installment payment because of failed autopay go up to {$80.00} in same, there was no past due payment. And {$15.00} late fee for XXXX dollars pay later loan These fees have caused a significant financial burden. 
I contacted Sezzle to request a refund of these fees, but they refused to address my concerns. I believe these charges violate principles of fairness and transparency and are not adequately justified by the terms of service. 


I am requesting the following resolutions : XXXX. A full refund of all unreasonable fees charged to my account, totaling $ [ XXXX to XXXX ]. 
XXXX. A review of Sezzle 's fee structure to ensure it complies with & sumer protection

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am reaching out to formally dispute the inclusion of a bankruptcy listed on my credit report. I have a court-issued letter that clearly confirms this bankruptcy should not have been reported to your agency. Despite this official documentation, the bankruptcy remains on my report, which is not only inaccurate but also highly concerning. Additionally, there appears to be the involvement of an unauthorized third party in this matter, further complicating the situation and raising serious concerns about the security and accuracy of my credit file. This is a pressing issue that requires immediate attention to ensure my report reflects only accurate and verified information.

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 2025-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
I opened an account with Synchrony bank for use on dental bill. Account was charged XXXX dollars on XX/XX/2024. On XX/XX/XXXX I made a payment of XXXX dollars. On XX/XX/XXXX I was charged a late fee of XXXX dollars even though a payment was made less than a month after the charge.

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 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: FL

Complaint narrative:
I reviewed my Consumer Report and noticed that i had late payment on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payment for the account : XXXXXXXX XXXX XXXXXXXX Account number : XXXX, please investigate and provide proof with statements showings that these payment was late. if proof can't be provide i demand this payment be updated on time as they should be as i was NEVER late. thanks

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 2025-01-02 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: FL

Complaint narrative:
I reviewed my Consumer Report and noticed that i had late payment on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payment for the account : XXXXXXXX XXXX  XXXX Account number : XXXX, please investigate and provide proof with statements showings that these payment was late. if proof can't be provide i demand this payment be updated on time as they should be as i was NEVER late. thanks

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 2025-01-02 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express continue to violate my privacy right as a consumer. Conduct deceptive and unfair practices in with on my accounts. I would like to request for a complete account history for the following account from the first day of contract. 

AMERICAN EXPRESS XXXX AMERICAN EXPRESS XXXX AMERICAN EXPRESS XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the 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 2025-01-02 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:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the 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 non-monetary relief
Consumer complaint received 2025-01-02 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 sincerely urge you to expunge this entry from my credit report as it is not linked to me and is clearly fraudulent. I kindly request a thorough investigation and prompt correction of this inaccuracy in my credit history.

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 2025-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: MO

Complaint narrative:
Settlement for DCU visa was agreed upon on XX/XX/year>. l paid settlement agreement amount of {$17000.00} to XXXX who accepted funds as agreed per documents on XX/XX/year>. XXXX refuses to close DCU XXXX  and allow savings to be closed for DCU membership XXXX  holding member XXXX with savings account and not closing the settled account XXXX  as per settlement agreement which is reflecting very poorly on me. I have called many times, I have went through credit bureaus and continue to do so, DCU refuses to close XXXX  account and report it correctly as was settlement agreement and thus refuses to allow me to close savings account with DCU also. It was settled, paid and agreed upon. It is not legal to not close a settled account that is paid and was agreed upon and hold the member XXXX not allowing them to close their savings account also. HELP.

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 2025-01-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: SN SERVICING CORPORATION
State: FL

Complaint narrative:
The XXXX  XXXX XXXX XXXX took a payment from me in XX/XX/year> and tried to take it from another checking account that should have never been on my account as a saved checking account. When the account holder caught this, it was reported back to the company, they then sent me an insufficient check fee when the XXXX  XXXX made the error after this, they would not answer phone calls or email messages. the state of Florida can confirm this XXXX XXXX ( XXXX and email XXXX ) was in communication with the company since XX/XX/year> and this now XXXX they told her they was correcting this when in fact they was adding charges to my account as if I never paid the XXXX in XX/XX/year> and since I put in a complaint hostile retaliation has been there response they have put me in foreclosure after their error I have all my emails and voice calls as well as the XXXX who did this apologizing for it and telling me he would correct this and then he didn't correct it they charged me XXXX the same amount I paid in payments and principle payments in XX/XX/year>. The XXXX  XXXX XXXX will be reported to the Florida XXXX for representing and reporting fraudulent information what happened with the payment in XX/XX/year>? And why was it applied and then taken off as if I never paid it to cover up their XXXX who took the payment and tried to take it from another account and put my name on the account as if it was my checking account? can the XXXX  explain this also?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: Experian Information Solutions Inc.
State: TX

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 2025-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
I request the removal of this account from my credit report, as the original creditor, XXXX XXXX, sold my account to Caine Weiner , a collection agency, without providing the proper notification. This action constitutes a clear violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is my third formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.

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