vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Credit limit changed — 
Company: Sezzle Inc.
State: NV

Complaint narrative:
I think this is a duplicate complaint. But the last complaint didn't get served properly or something as I reset my password to file the complaint before on XX/XX/year>. I'll ask the XXXX if you have one to investigate. 

Complaint Body : Complaint against : Sezzle DBA www.sezzle.com XXXX XXXX XXXX XXXX XXXX. 
XXXX, MN XXXX I contacted the company multiple times via the app chat feature as well as using the email option to inquire and enroll in the company hardship program. The company cited this program exists and fees can be waived in its sec filing. 

Quoting : 'Additionally, Sezzle has a hardship and fee forgiveness program which, dependent on the consumers situation and at the discretion of customer support, allows consumers to have additional fees waived. ' XXXX XXXX XXXXXXXX I am partially XXXX and experiencing financial difficulties and the company refused to respond to my requests for contact in relation to the hardship program and has now due to the disputed predatory fees etc reported an 30 days past due to my credit report. 

I contacted the company in ample time before the credit reporting would be 30 days past due and I did make several payments. Due to the CFPB complaint not getting served on the company and the company 's failure to respond to direct contact I have suffered significant injuries including but not limited to emotional distress and unnecessary financial duress, excessive predatory fees etc. 

Company also retaliated when payments were made via credit card vs debit card and company repeatedly lowered the credit line without notice from XXXX to XXXX approx. maybe less. Causing spikes in Credit Score due to utilization fluctuations. Changes in terms etc, should have proper notice. 

The company is engaging in UDAAP type of conduct in repeated failure to respond to customer contact and is discriminating against the consumer by not properly assisting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I discovered an unauthorized credit card account on my credit report through Equifax, listed as a XXXX XXXX  credit card. However, I have never visited any XXXX XXXX  branch or opened any account with them. On XX/XX/XXXX, I submitted a dispute through Equifax 's Dispute Center, and on XX/XX/XXXX, I received their response report. 

In the report, they found that the holder of the XXXXXXXX XXXX XXXX is named XXXX XXXX, with a date of birth of XX/XX/XXXX. This does not match my name or date of birth at all. However, the last four digits of this person 's SSN are identical to mine, and the address listed is the same apartment I lived in from XX/XX/XXXX to XX/XX/XXXX. Despite these details, it is evident that the holder of this XXXX account is not me. 

After sending me this report, Equifax has not removed this unauthorized XXXX account from my credit file. Moreover, this account does not appear on my reports with XXXX or XXXX. I find it unacceptable that Equifax has not taken action to adjust my credit file, even though their own investigation clearly shows significant discrepancies between the account information and my personal details.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
I filed XXXX XXXX bankruptcy in XX/XX/XXXXXXXX  during covid due to family financial hardship. My Case NO : was XXXX. I worked very hard and paid it off early. XX/XX/XXXX, I received an Order to Deem my Mortgage Current from the XXXX Bankruptcy Court of North Carolina XXXX XXXX signed by XXXX  XXXX XXXX XXXX. 
The trustee disbursed to XXXX  a total of {$62.00}, XXXX representing contractual mortgage payments for the months of XX/XX/XXXXXXXX  through XX/XX/XXXX. SLS was paid an additional {$20000.00} for pre-petition arrearage claim. SLS was notified and served a Notice of final Cure Payment complying with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never replied but sold the mortgage to Shellpoint. 
Shellpoint will not accept the decision of the court or that I own this property. Shellpoint has tried to force me to do a force Modification loan, threatened foreclosure, have added their hazard insurance. I have had XXXX  XXXX  from the purchase date. 
XXXX  sent them proof of insurance twice so did I. I sent the deed, power of attorney and bankruptcy documents everything they asked for. Now they say I owe {$4300.00} in the rear and three months late, this is new. I was directed to pay SLS {$1200.00} a month starting XX/XX/XXXX. I have paid them {$1300.00} since XX/XX/XXXX and have not been late or missed a payment. The office of attorney XXXX XXXX sends payments to lessen confusion, Shellpoint kept all payments. 
The first payment went to SLS as directed returned to be sent to Shellpoint it was not late. To day I got another letter stating that I have until XXXX to pay everything or lose my home. I received two overpayment checks from the bankruptcy court. I get correspondence at least three times a week accusing me of a debt I do not owe and harassing me constantly I want it to stop.

I have never seen such a mess in my life. I am XXXX XXXX XXXX, a XXXX  veteran of XXXX years. I do pay my debts. I need help I can not let them take my home or go back into another bankruptcy. What is really going on with this company. Why are they challenging the North Carolina Bankruptcy system? Why do they want my home so badly? Can you 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 explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ability Recovery Services, LLC
State: MO

Complaint narrative:
This debt appeared four years after the date of incident on XXXX. They billed wrong insurance company and used an incorrect mailing address for their mailings. I never received any type of bill from the original debtor. Did not find out about this until XXXX of XXXX. XXXX XXXX XXXX XXXX was using all the wrong information for doctor services at an XXXX XXXX visit at XXXX XXXX XXXX in XXXX MO. The hospital had all the correct billing and mailing info and proceeded their side with no problems. XXXX XXXX did not. Trying to find town square and discuss the issue, they had filed XXXX and told me they no longer were the same organization since restructured and could not go back and bill Medicare, which was my coverage and still is. Contacted XXXX XXXX XXXX billing and they said same thing, XXXX XXXX XXXX XXXX  was no longer in biz and they no longer dealt with them. I was told by both entities there was nothing they could do to bill the correct insurance and resolve the issue. No one contacted me during these XXXX XXXX  years. When I went to purchase a home in XXXX of this year I saw this charge and have tried to resolve it ever since. All I need is sometime to charge back to Medicare and resolve the issue. Ability Recovery Service said they wont do it nor the agency they were representing that purchased the debt from town square prior to their XXXX  This doesnt seem fair Im now punished for someone elses misinformation and lack of correct information. The hospital got it right the XXXX XXXX should be held accountable for this loss not myself as it happens to be. I have my Medicare ins card that shows my effective date of coverage is XX/XX/XXXX. Almost a year prior to the services rendered. Again XXXX XXXX got it correct and billed properly and used my correct mailing address. XXXX XXXX dropped the ball completely and then didnt contact me in anyway.

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 2024-11-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I was on the XXXX  XXXX program but was terminated from the program in XXXX or early XXXX. I left the home and my brother was allowed to stay there and pay full market rent. I never signed a lease after being terminated or received any written or verbal communication about a new lease which should have been signed after the lease from XXXX  XXXX was terminated. But in XXXX they put {$5200.00} on my credit that is not my debt. XXXX and XXXX removed it from my report but XXXX  refuses to do so. It keeps coming back as client disagrees after asking for the communication or lease i signed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. 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 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and 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 2024-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I am writing in response to your recent communication dated XX/XX/year>, regarding the debt associated with my Synchrony PayPal account, account number XXXX. While I appreciate that you have provided a copy of my last bank statement, this is insufficient to fulfill the full debt validation request that I made under the Fair Debt Collection Practices Act ( FDCPA ) and other applicable consumer protection laws. 

As you are aware, I initially sent my request via certified mail on XX/XX/year>. In that request, I sought the following documentation : The full legal name and address of the original and current creditor. 
Verification of the debt amount claimed, including a contract or agreement demonstrating the debts existence, amount, and terms. 
A full chain of assignment and transfer of the debt, including any transfers between the original creditor, a secured trust, and the current creditor, as well as proof that the debt was securitized ( if applicable ). 
A copy of Form 1099-C ( Cancellation of Debt ), if issued, to confirm whether any portion of the debt was forgiven or canceled. 
The bank statement you provided does not meet the requirements of my original request. Specifically, the requested documentation on the chain of assignment and the Form 1099-C, if applicable, were not included. 

Additionally, I have concerns regarding re-aging of the debt and the reporting of inaccurate information to credit bureaus. I dispute the validity of this debt and the accuracy of the information reported on my credit report. As per my original request, I am exercising my right under the FDCPA to demand that you cease all collection efforts, including any credit reporting, until you provide the complete documentation required for full validation. 

If Synchrony PayPal can not provide the necessary documents, I demand that this debt be deleted from my account and refrain from reporting it to any credit bureaus. If I do not receive the requested documentation within 30 days, I will consider this matter unresolved and will file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursue legal remedies. 

For your records, my previous address was : XXXX XXXX XXXX, XXXX, California XXXX, and my previous phone number was : XXXX. 

However, my current address, as updated on my credit report, is : XXXX XXXX XXXX, XXXX XXXX, New York XXXX. 

Please update your records accordingly. 


I appreciate your prompt attention to this matter and look forward to receiving the full documentation as requested. Until then, I expect that all collection actions, including credit reporting, cease.

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 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that the Consumer Financial Protection Bureau ( CFPB ) assist in the removal of fraudulent accounts appearing on my credit report. These accounts were opened as a result of identity theft and contain inaccurate and false information. The fraudulent accounts are as follows : 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 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 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 These accounts have resulted in fraudulent credit reporting and collections on my consumer credit report. I demand that these fraudulent items be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA.

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 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that the Consumer Financial Protection Bureau ( CFPB ) assist in the removal of fraudulent accounts appearing on my credit report. These accounts were opened as a result of identity theft and contain inaccurate and false information. The fraudulent accounts are as follows : 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 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 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  These accounts have resulted in fraudulent credit reporting and collections on my consumer credit report. I demand that these fraudulent items be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief