vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Duvera Billing Services, LLC
State: NC

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX DUVERA BILLING SERVICES, XXXX XXXX XXXX XXXX XXXX XXXX Duvera Financial XXXXXXXX XXXX XXXXXXXX Account Number XXXX XXXXXXXX Dear Sir/Madam, Re : Cease and Desist Demand for Inaccurate Reporting / Unauthorized Action on My Credit Report I am writing to formally demand that DUVERA BILLING SERVICES, LL immediately cease and desist from the unlawful or inaccurate actions regarding my credit report. 
I have recently reviewed my credit report from your bureau and found that DUVERA BILLING SERVICES, LL is reporting. These inaccuracies or actions are in violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to maintain accurate and complete information in consumer credit files. 
Specifically, you are in violation of the following provisions : * Section 607 of the FCRA : Ensuring that all information reported is accurate.

* Section 609 of the FCRA : The right to dispute and demand correction of any inaccuracies.

* 15 U.S.C 1692C : If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. 
I request that you : 1. Immediately cease reporting the inaccurate or unauthorized information.

2. Provide me with a written confirmation that the erroneous entry or unauthorized action has been corrected.

3. Cease any further attempts to report or act on inaccurate or disputed information unless verified as correct. 
If this matter is not resolved promptly, I will have no choice but to escalate the issue by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and any other relevant authorities. I also reserve the right to take legal action to enforce my rights under the FCRA and seek any damages or remedies available. 
Please treat this letter as a formal demand to cease all actions related to the disputed information. I expect written confirmation of the resolution within 30 days. 
This letter is sent without prejudice to my rights and remedies, all of which are expressly reserved. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: MD

Complaint narrative:
I disputed an account with Experian, stating that I do not recognize or owe this debt, as I have no contractual obligation with this agency XXXX XXXX XXXX XXXX. They failed to provide proper validation of the debt as required under 809 of the FDCPA. Instead of removing the unvalidated account, they updated the status to 'closed, ' which is misleading and inaccurate under 611 of the FCRA XXXX I request immediate deletion of this account from all credit reports and cessation of collection efforts, as my rights under the FDCPA and FCRA have been violated. ''

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 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Upstart Holdings, Inc.
State: MD

Complaint narrative:
Someone opened a fraudulent loan under my name. It tanked my credit score because that person never paid a XXXX on the loan. I started a claim with the company per their instructions and had to send them my personal information twice, because " they never received it '' the first time. I was not at all comfortable sharing this information with this company. The company is impossible to reach. I have called them at least 3 times a week for the past 3 months. Each time, I am placed on hold, and the conversation takes anywhere from XXXX minutes with the end result being, " my case is being reviewed. '' They are disorganized and terrible at keeping records because every time are taking longer to review my information than they apparently did to verify the thief who opened the account. The account was opened with an address I never resided in and a phone number I have never owned. They have made it very easy for any con artist to open fraudulent accounts and make little effort to resolve the issue. I need this loan to be removed from my credit report to restore my hard earned excellent credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I was reviewing my credit report and noticed hard inquiries that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Prepaid card — Payroll card
Issue: Trouble using the card — Problem with direct deposit
Company: REGIONS FINANCIAL CORPORATION
State: AZ

Complaint narrative:
This company ( Fintwist/Comdata ) has incorrect information on their website, and an external call center that has no clue how fund transfer works in the US. They read scripts and are fundamentally unable to understand my problems in trying to transfer money to my bank and/or withdraw.

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 2024-12-21 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: AZ

Complaint narrative:
I was recently reviewing my credit report and noticed hard inquiries that do not belong to me.

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 2024-12-21 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: ReliaMax Holding Company
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Untimely response
Consumer complaint received 2024-12-21 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: NJ

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACATIONS DONE BY ME.

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 2024-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
Goldman Sachs bank XX/XX/XXXX closed my apple credit card account. Many times I requested them, they could not find specific reason closed my account. I could not buy from apple store on installment. I am very disappointed from Goldman Sachs Bank. Today XX/XX/XXXX once again I requested to Goldman Sachs Bank. Customer representative Of Goldman Sachs Bank XXXX could not find specific reason closed my account. They do not know why my account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2024-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: MN

Complaint narrative:
On XX/XX/year> I attempted to help a man at XXXX XXXX XXXXXXXX XXXX XXXXXXXX who had lost his money and had no way of getting home until the next day. The staff was demanding he not sleep in the lobby and there was nowhere nearby for him to go. All he needed was {$50.00} to get a room. 

The man, XXXX XXXX XXXX gave me what he thought was his Cashapp information. As it turned out, it was an old account which he no longer had access to. When we called Cashapp to try and either reverse the transaction or transfer the funds to XXXX XXXX 's current account, Cashapp would do neither. 

I am certain my {$50.00} is still sitting in limbo.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following date ( XXXX ) : Account Name : 5/3 Bank NA Account Number : XXXX Disputed Late Payment Entries : o XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX With discrepancies It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company.

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15.

You have 30 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would therefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, XXXX XXXX XXXX or all that apply ) and update the accounts to positive. 

Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive. 

Regards/Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IN

Complaint narrative:
I submitted a fraud claim on XXXX XXXX XXXX and was told that they would be working on my case. Fast forward to XX/XX/XXXX where I received a noticed that my accounts were being closed by USAA. All of the fraud claims have been settled except for the last XXXX, I spoke with a representatives on the phone where they said they had no idea why and couldnt give me any information regarding the accounts until they have finished there investigation that could take XXXX days to complete. I have been a loyal customer for almost 10 years and this is ridiculous.

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 2024-12-21 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: NJ

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACATIONS DONE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: TN

Complaint narrative:
I was the guarantor on my daughter XXXX 's lease agreement with XXXX XXXX in XXXXXXXX XXXX  She paid the XX/XX/XXXX rent within terms on XX/XX/XXXX via direct transfer from her bank account. XXXX misapplied the cash receipt, then placed her account for collection. 
Neither I nor my daughter received notice, written or otherwise of an unpaid debt, from either XXXX or a debt collector. 
I was called by XXXX XXXX on or about XX/XX/XXXX, demanding payment. I explained that I didn't have the information to validate their claim but would do in the next few days and to call back the following week. The collector was uncooperative, demanding immediate payment, and constantly talking over me. 
On or about XX/XX/XXXX I informed XXXX XXXX of the payment details and told them XXXX had confirmed the account was paid in full. When they demanded written proof, I asked them to call my daughter, as it was her financial information to share and gave them her name and phone number.. 
XXXX confirmed in writing to my daughter on XX/XX/XXXX that the account was fully paid. 
XXXX XXXX XXXX XXXX filed derogatory comment on XX/XX/XXXX and have subsequently not removed, despite knowing that a dispute was filed with XXXX. They have yet to contact my daughter or, apparently, confirm the debt with XXXX. They reasserted on XX/XX/XXXX to XXXX that the debt was outstanding. 
My XXXX XXXX has decreased for XXXX in XX/XX/XXXX to XXXX in XXXX with no other notable changes in the underlying credit information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 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:
To whom it may concern : The information you see above is my most current personal information per FCRA and Metro 2 compliance reporting standards. If what you have on file for me doesn't match what's listed, there are problems with either your records or those who provide them for verification purposes. My profile must be accurate and thorough in order to comply with FCRA and Metro 2 compliance regulations. You must furnish your information verification within a reasonable time frame and be able to evaluate and confirm all of the information in my credit report.

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 2024-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: LA

Complaint narrative:
Over XXXX dollars was stolen and chime wont refund my money

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: FL

Complaint narrative:
Good evening. I recently filed a complaint with your organization regarding discrepancies with my credit report for XXXX, XXXX and Experian. You organization just corrected a major error with XXXX. After XXXX corrected the issues. Experian lowered my scored approximately 2 points which is not significant. However, it was stagnant during the time period your organization investigated XXXX and eventually it decreased. My credit card payments are on time and no explanation was provided why they decreased my score. My XXXX score also dropped XXXX points for no apparent reason. A few weeks after your organization corrected the inaccuracies with XXXX credit score dropping XXXX and Experian remain stagnate and eventually decreased. An attachment of the credit score dropping is attached This complaint is on Experian credit bureau

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 2024-12-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
I have emailed and called to get my balance settled I m told a manager would reach out Supposedly they called but I dont have a voicemail or email from them. 

I have been trying for month and a half and they wont settle. 

They dont give me an option. 

Also last week they stopped me from calling in my account was blocked.. its only around XXXX and Im willing to settle for less as Im going through hardship. 

This vehicle purchase was already tricky I was sold warranties and insurance by the dealer without full acknowledgment as I traveled to pick up the car.. while we were disputing the balance and correcting the finances I had my car repoed as well. 

The dealer didnt send my title and paperwork for 2 months it was nightmare. 

Know I would like to settle. 

Credit acceptance

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