vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-16 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: RGS Financial, Inc.
State: FL

Complaint narrative:
The alleged debt is being pursued by RGS Financial , LLC on behalf of XXXX XXXX XXXX This matter is disputed based on the fact a payment plan was accepted from XXXX for a 12 month period however, it was not honored and subsequently charged off, with XXXX XXXX filed and passed on to RGS. XXXX Bank is notorious for offering customers payment plans and charging off the accounts subsequently after without notice. 

Additionally, due to this dispute, RGS and XXXX Bank are in violation of 15 USC 1692e ( 8 ) and subject to damages and attorney 's fees up to {$1000.00} in additional to any actual damages suffered by the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : Personal Information Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
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, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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: FL

Complaint narrative:
I am writing to request an investigation of the following information that appears on my consumer report. I have NEVER opened or used the following account : XXXX XXXX ( Open Date : XX/XX/year>XXXX  ) XXXX XXXX XXXX ( Open Date : XX/XX/year>XXXX  )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
Hello my Robinhood account was closed just because I transferred {$100.00} from XXXX to Robinhood I verified my info when needed and they closed it and sold everything and gave me my money back which is frustrating I couldnt made so much due to XXXX going up and for my XXXX IRA they said I have 2 months to transfer it and I did with XXXX but Robinhood restricted the transfer and XXXX said contact them and tell them to accept the transfer. Which other did not respond they immediately close my cases and I cant talk to a real person this is unjust and illegal and I want my money back I may even throw a lawsuit in as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX, has violated my rights. 
Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Has violate my Rights. 

15 U.S.C 1681 section 602 A. 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.

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 2024-11-16 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX, has violated my rights. 
Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Has violate my Rights.

15 U.S.C 1681 section 602 A. 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.

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 2024-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Mercury Financial Intermediate LLC
State: CA

Complaint narrative:
A charge from XXXXXXXX XXXX XXXX appeared on my statement that didn't belong to me. I reported the charge ; they canceled that card, gave me a new one & sent a letter saying it was resolved. A couple of months later, they put the same charge onto my new card, claiming that my dispute showed nothing otherwise. I requested any info that showed this to definitively be my charge, & I received nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: Capio Partners, LLC
State: OH

Complaint narrative:
I was contacted by Capio Partners on 3 occasions. The first call the told me my name gave me my date of birth and mailing address, I requested validation of debt. They then again contacted me with out validation of debt via text which I did not authorize. I call them again and once again they gave out my birthdate and address Which is in Violation Of federal regulations for debt collections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
On XX/XX/2024 I received a collection notice from Portfolio Recovery Associates and I sent them a letter through certified mail requesting court worthy debt validation and they failed to provide it to me. On XX/XX/2024 I saw there collection account on my credit report and it got damaged severely by XXXX points. I then sent them a second debt validation letter and they failed to provide me proper documentation for this alleged debt with XXXX  XXXX. They also keep harassing me with daily phone calls, texts and emails which is a violation of the FDCPA ( 15 USC 1692 )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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: FL

Complaint narrative:
I am writing to formally dispute unauthorized inquiries on my credit report and to assert that my consumer rights under the Fair Credit Reporting Act ( FCRA ) have been violated. The FCRA explicitly outlines the permissible purposes for pulling an individual 's credit report, and I did not provide consent for the following inquiries made on my credit profile. 

Upon reviewing my credit report from XXXX, XXXX, and Experian, I have identified the following inquiries that were made without my authorization : ( EXPERIAN ) - XXXX XXXX XXXX XXXX, XX/XX/XXXX and XX/XX/XXXX - XXXX XXXX, XXXX XXXX, XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXXXX/XX/XXXX - XXXX CO, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX, XX/XX/XXXX and XX/XX/XXXX - XXXX XXXX, XX/XX/XXXX ( XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 inquiries were not obtained with my consent, nor do they fall under any permissible purpose as defined by the FCRA. As such, I demand that these inquiries be removed from my credit report within 4 business days, as they are negatively impacting my credit score.

I expect that you take immediate action to correct this issue.

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 2024-11-16 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX, has violated my rights. 
Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Has violate my Rights. 

15 U.S.C 1681 section 602 A. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX is reporting XXXX lines of student loans, XXXX with the total balance owed on my consolidation loan, and XXXX with a single loan out of the consolidation loan. I filed a dispute with them and they corrected it, however, on XX/XX/XXXX they posted the incorrect amount again. I have provided them documentation from XXXX verifying the account balance and they refuse to remove the incorrect line, stating that its correct. The balance that I owe is {$45000.00}. They show that but they also show a line of {$34000.00}, for a total of {$79000.00}. After my last dispute, the XXXX lines that I saw was XXXX for the {$34000.00} and XXXX for $ {$11000.00}, which was correct. On XX/XX/XXXX, they updated it to the {$34000.00} and {$45000.00} again. When I disputed it initially, they said that it was correct and then I provided them the documentation so they corrected it. I dont understand what is so difficult for them to understand that I know what my student loan balances are and with the proper documentation they need to permanently correct this issue. If they do not correct the issue permanently, I will be bringing legal action against them for incorrect 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 explanation
Consumer complaint received 2024-11-16 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I was offered a 10 % off code if, I quote you sign up for our rewards program. After signing up, they reluctantly told me it was a credit card as if they knew to lie to scam me into signing up. I didnt agree to a credit card application, I agreed to a rewards program After asking several times for clarification as to whether or not there was a hard credit check, they straight up lied and said no. 

The process of signing up on the screen didnt mention anything about a credit card either. 

Ive filed an official complaint to the Consumer Financial Protection Bureau as they lied on camera about what it was I was signing up for. 

Im also filing a complaint with XXXX Attorney General and all three credit bureaus where my credit score was impacted because these ignorant employees would rather lie than tell the truth.

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 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
*** It has been 75 days since original request was filed to restore credit standing that plunged XXXX points over a period of 3 months. XXXX, XXXX or TransUnion have NOT corrected the error within that mandated time frame of XXXX - 45 days. Please sanction all three bureaus until score is corrected to it's excellent standing of XXXX. Per Fair Credit Reporting Act*** XXXX has locked me out of accessing my credit report on it's online portal. The portal only loops and never allows access to view or manage credit profile. My phone number is flagged in it's telephone truncated lines ; online and telephone access only loops when accessed. This is ongoing since XXXX with formal request to correct credit score ; submitted with clear evidence of correct credit standing. 

XXXX erroneously caused my credit score to drop XXXX points. Score has also suffered and dropped erroneously with Trans Union and XXXX after filing suit on XXXX XXXX  XXXX. ( Copy already on file with all 3 Bureaus ). I have attached copy here for your convenience. 

I requested correction of false negative reports and provided detailed data proving XXXX XXXX XXXXXXXX negative report was false. My XXXX XXXX before XX/XX/year> was XXXX. Only one year of on time payments have been reported to all XXXX bureaus during that XXXX year time frame. After XXXX  XXXX XXXX 's false report was removed score fell XXXX points then another XXXX points finally XXXX points. XXXX XXXX plunged XXXX points in total in three months. 

There is no logical reason FICO score should drop XXXX points after removal of derogatory and false information. FICO score certainly should not have plunged, again, after correction and removal of false report from XXXX XXXX XXXX. Logic and sound reasoning tell us score should have increased not decrease XXXX points. 

Correct my credit standing to it's proper class of XXXX FICO score without continued delay. Enforce this regulation with and all credit bureaus mentioned here operating in tandem with XXXX  XXXX XXXX. 

The FCRA, The Federal Banking Regulations and Credit Bureau regulators CFPB all state that if there is no response after 30 days consumer shall be made whole. 

Finally, sanction XXXX, XXXX and TransUnion for not correcting this error within the 30 day time frame provided by Federal Bank Regulations, Fair Credit Reporting Act and CFPB. 

This was reported and solid evidence provided to all three bureaus in XX/XX/year> and again in XX/XX/year>. 

Enforce correction of all three bureaus to place credit score back to it's stellar standing of XXXX. 

Thank 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 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
XXXX It has been 75 days since original request was filed to restore credit standing that plunged XXXX points over a period of 3 months. XXXX, Equifax or XXXX have NOT corrected the error within that mandated time frame of 30 - 45 days. Please sanction all three bureaus until score is corrected to it's excellent standing of 878. Per Fair Credit Reporting ActXXXX XXXXXXXX has locked me out of accessing my credit report on it's online portal. The portal only loops and never allows access to view or manage credit profile. My phone number is flagged in it's telephone truncated lines ; online and telephone access only loops when accessed. This is ongoing since XXXX with formal request to correct credit score ; submitted with clear evidence of correct credit standing. 

XXXX erroneously caused my credit score to drop XXXX points. Score has also suffered and dropped erroneously with XXXX XXXX and Equifax after filing suit on XXXX XXXX XXXXXXXX. ( Copy already on file with all 3 Bureaus ). I have attached copy here for your convenience. 

I requested correction of false negative reports and provided detailed data proving XXXX XXXX XXXXXXXX negative report was false. My credit score before XX/XX/year> was XXXX. Only one year of on time payments have been reported to all 3 bureaus during that one year time frame. After XXXX  XXXX XXXX 's false report was removed score fell XXXX points then another XXXX points finally XXXX points. Credit score plunged XXXX points in total in XXXX months. 

There is no logical reason FICO score should drop XXXX points after removal of derogatory and false information. FICO score certainly should not have plunged, again, after correction and removal of false report from XXXX  XXXX XXXX. Logic and sound reasoning tell us score should have increased not decrease XXXX points. 

Correct my credit standing to it's proper class of XXXX FICO score without continued delay. Enforce this regulation with and all credit bureaus mentioned here operating in tandem with XXXX  XXXX XXXX. 

The FCRA, The Federal Banking Regulations and Credit Bureau regulators CFPB all state that if there is no response after 30 days consumer shall be made whole. 

Finally, sanction XXXX, Equifax and XXXX for not correcting this error within the 30 day time frame provided by Federal Bank Regulations, Fair Credit Reporting Act and CFPB. 

This was reported and solid evidence provided to all three bureaus in XX/XX/year> and again in XX/XX/year>. 

Enforce correction of all three bureaus to place credit score back to it's stellar standing of XXXX. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
XXXX XXXX waits to take the amount of out my account days later instead of the day of purchase causing me to go into the negatives on top of charging me an overdraft fee due to the insufficient amount AFTER they decide to take the money out when they feel like it. It has caused them to over draft my account numerous times and then I am left in the negatives. For an example on XX/XX/24 a bill is due and I pay that bill on XX/XX/24, Navy federal will wait until XX/XX/24 to actually post the transaction to reflect my account which causes numbers to mess up and I potentially have less money due to them not actually charging and posting that day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief