vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Miller and Steeno, P.C.
State: TN

Complaint narrative:
Miller and Steeno, P.C & XXXX XXXX XXXX your uncooperation is unacceptable and you are not above any law. You can't even answer me point by point. Everything you have said about me is all hearsay and I won't tolerate the harassment you have continued to show towards me. As I explained in the previous complaints I am not scared of you, and I will face you cowards head-on. I might add this is the most unprofessional law firm or " debt collectors '' whatever you call yourselves. Your client XXXX XXXX XXXX has many claims against them and many cases where they have lost because of the violations they have made. Not to mention Miller and Steeno , P.C . and its entities have lost many cases and is no stranger in violating the FDCPA. One example is Robin v. Miller & Steeno, P.C. I will make myself clear Miller and Stenno, P.C. you have violated the FDCPA, CFR, and ABA rules. Just so you remember I will quote a harrasing false and misleading statement you made about me on public record " XXXX XXXX is merely attempting to engage the CFPB in an effort to avoid paying his debts. '' So let me tell you what you have violated here 12 CFR 1006.14 ( a ) ,15 U.S. Code 1692e,15 U.S. Code 1692d, and ABA Rule 7.1 ( 4 ). Not only that you have committed defamation. Again to make myself clear I will take further action to protect my rights if my demands are not met. In the event that you resort to legal action, know this : I will demand thorough information during the discovery process. I will pursue this matter relentlessly, fighting to the ends of the earth to protect my rights. I demand that you close this account within your offices, I demand to see XXXX XXXX XXXX 's XXXX BAR License Number and XXXX XXXXXXXX XXXX license, I demand that you cease all collection activity, and stop any further harassment. Failure to comply will hold you responsible for the violations you have committed, and I will not hesitate to seek legal counsel to protect my rights. You will not extract a XXXX XXXXXXXX from me, especially over an alleged debt I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 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: TX

Complaint narrative:
Like this please remove these Inquiries from my credit report ASAP The inquiries are as follows please be mind full I don't authorize any of this XXXX XXXX Date of inquiry : XX/XX/2022 XXXX  Date of inquiryXXXX

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 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
So I did 3 disputes to all 3 Credit Bureaus ti have this fraudulent charge account removed from my credit report and my spouse. The already messed up and reopened the Charge off account on XX/XX/XXXX on my XXXX report and the reporting me have a Current Auto Loan with a MISSED PAYMENT as of XXXX XXXX XXXX notice this account was charged off and closed XXXX XXXX XXXX and my documents on my other complaint shows you the proof. So this complaint is for my XXXX my credit score and report a dispute code was Added and removed by Ally Financial on XX/XX/XXXX which updated today XX/XX/XXXX where the put on my credit report for XXXX once again which dropped my credit score from a XXXX to a XXXX which is terrible a XXXX points decrease and they have changed the codes 3 times since XX/XX/XXXX ruing my CREDIT and they have on XXXX. Yesterday XXXX I called Ally Financial several to be hung up on, transferred, and each representative refuse to give me the charge off paperwork and XXXX was suppose to be handling this case she do not call back her supervisor wont call back and she said that she would have a supervisor which his name was XXXX email documents on this account and he never called or emailed them EVERYBODY is refusing to to call back, answer the phone, and refusing to give me the charge off documents on this FRAUD ACCOUNT that should have been DELETED back in XX/XX/XXXX. This is my second complaint in 2 days different Credit Bureaus. I am tired of this COMPANY they have DESTROYED my CREDIT and something needs to be done. The FCRA violation that will be brought again them is reopening a charged off account and reporting that I have a current missed payment will be ENFORCED and dealt with through the appropriate channels on this HORRIBLE financial company that should be OUT air BUSINESS. I am going to take ACTION soon for FCRA VIOLATION this account NEEDS to be DELETED off our credit remand you need to FIX this MESS NOW. Ally Financial you will get your day for ruing my CREDIT on my XXXX REPORT because of your remark code you have dropped my credit score on XXXX from a XXXX to a XXXX twice this month which is a XXXX points decrease because of there REMARK CODE..ALLY FINANCIAL you ruined my CREDIT and you are going to have to PAY for this in the long run.

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 2023-10-25 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: KY

Complaint narrative:
Equifax reported to XXXX XXXX XXXX XXXX XXXX in XXXX XXXX that I had a XXXX credit score, while XXXX and XXXX show that my XXXX is over XXXX. This caused a loan at a ridiculously high interest rate, When I checked Equifax, some if not most of my personnel information is not close to being current. How can they be a " guide '' to banks and such when they XXXX at keeping records. 
I am very frustrated with their online process also as it is not very user friendly to older and non-computer savvy individuals

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SameDay Auto Finance, LLC
State: TX

Complaint narrative:
You are reporting incorrect payment information for account SAMEDAY AUTO FINANCE XXXX. This is a clear violation of the FCRA. I will attach my credit report to show the inconsistent information being reported. I also sent dispute letters 5 months ago. The letters are dated, and time stamped and will also be attached for your reference. I do understand that each violation has a fine up to {$1000.00}. I will be seeking legal action due to negligence, pain and suffering, and many FCRA violations. I am requesting that this account be removed or updated to show my true creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX I applied for a credit card at Wells Fargo that was approved and through the process I was asked if I wanted to do a balance transfer and I did, they asked for the account number of the account that I wanted to do the balance transfer from after that the information was submitted and I waited 17 days called multiple time getting different information every time I called after that a balance was placed in my account from an unknown account from macys that is not related to me I started a complaint of fraud where Wells Fargo processes a refund and opened an investigation according to the fraud department they were able to match my information to the account with macys and that the case was closed I proceeded to call multiple times to verify what information was obtained throughout this investigation but they said that they didnt have an account or any information they can share with me at all they continue to say they are unable to see who they paid all they know is that the information is correct I was never given any information from Wells Fargo about who will have access to my information and why is it so easy for someone to add funds to someones account with out so much as confirming basic information, Wells Fargo does not provide any valid information regarding this at all.

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 2023-10-25 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: LA

Complaint narrative:
According to 1006.34 Notice for validation of debt ( a ) Validation information require. 
( 1 ) In general. Except as provided in paragraph ( a ) ( 2 ) of this section, a debt collector must provide a consumer with the validation information required by paragraph ( c ) of this section either : ( i ) By sending the consumer a validation notice in the manner required By 1006.42 : ( A ) In the initial communication, as defined in paragraph ( b ) ( 2 ) of this section; or ( B ) Within five days of that initial communication ; or .....

( 4 ) Validation notice means a written or electronic notice that provides the validation information required by paragraph ( c ) of this section.

( 5 ) Validation period means the period starting on the date that a debt collector provides the validation information required by paragraph ( c ) of this section and ending 30 days after the consumer receives or assumed to receive the validation information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Has 30 days to validate these debt.

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 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
According to 1006.34 Notice for validation of debt ( a ) Validation information require.

( 1 ) In general. Except as provided in paragraph ( a ) ( 2 ) of this section, a debt collector must provide a consumer with the validation information required by paragraph ( c ) of this section either : ( i ) By sending the consumer a validation notice in the manner required By 1006.42 : ( A ) In the initial communication, as defined in paragraph ( b ) ( 2 ) of this section; or ( B ) Within five days of that initial communication ; or .....

( 4 ) Validation notice means a written or electronic notice that provides the validation information required by paragraph ( c ) of this section.

( 5 ) Validation period means the period starting on the date that a debt collector provides the validation information required by paragraph ( c ) of this section and ending 30 days after the consumer receives or assumed to receive the validation information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Has 30 days to validate these debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Wolf River Development Company
State: MN

Complaint narrative:
I was trying to get a XXXX loan to get my car fixed. On XX/XX/2023 I was approved for a XXXX dollar loan. I have already paid XXXX off. When I looked up the loan to see how much longer I have to pay I see they want XXXX to pay it off. That is XXXX XXXX APR. 
I swear I was not told that, however I am on XXXX and have a hard time comprehending some things. When I called the company and asked if I could get a lower APR I was told no. I am so disappointed in myself. I dont have that kind of money. I am willing to pay a total of XXXX for my borrowed XXXX. 
Can you help me please

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
On XX/XX/ I began noticing fraudulent activity on my Capital One account ending in XXXX. The fraudulent activity was from XXXX XXXX XXXX XXXX XXXX, that had been added to my account without my authorization or consent. I called and tried to resolve the issue but they would not take the fraudulent purchases off my account. 

Recently, I received a court summons by a debt collection agency called XXXX XXXX XXXX XXXX XXXX  for the fraudulent debt that was caused by identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
As a courtesy XXXX XXXX agreed to notify the 3 credit bureau 's to remove a late from my account for XXXX, XXXX. I have it in writing from an earlier dispute that was opened via the CFPB portal as well as XXXX XXXX sent me an email for my records clearly stating that the late shall be removed and it was sent by XXXX XXXX to the XXXX credit bureau 's back on XX/XX/XXXX. Both XXXX and XXXX removed the late reporting for XX/XX/XXXX however Transunion has still not removed the late. I have opened 2 disputes with Transunion and they are falsely stating they have reached out to XXXX XXXX and that that XXXX XXXX is stating that the late is verified as being correct and then closes my dispute. The XXXX XXXX  advocacy team at XXXX XXXX is stating XXXX Transunion has NOT REACHED OUT TO THEM and there is no record XXXX Transunion has reached out to them and that they have XXXX Transunion the notification to remove the late XXXX TRANSUNION has still not removed the late for XXXX of XXXX. This back and forth has been going for 3 months now with Transunion REFUSING to remove the late from my file even when instructed ny XXXX XXXX to do so ... ... .here is the original CFPB complaint ID # XXXX from XXXX XXXX where they indicated on XX/XX/XXXX that all credit bureau 's would be notified which included Transunion however Transunion XXXX the ONLY Bureau who has not updated my credit file and has STILL NOT REMOVED THE LATE

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 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I went to check my report and I see all these hard inquiries on my 3 credit bureaus that was not me that is not link to any account demand removed from my 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 2023-10-25 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: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
To Consumer Financial Protection Bureau, I writing with a complaint on Navy Federal Credit Union, and to make you aware of a practice that should be looked into. 

I disputed a credit card charge with XXXX XXXX XXXX around XX/XX/XXXX XXXX Based on this open dispute Navy Federal put the following comment on my credit bureau reports twice : Account information disputed by consumer, meets FCRA requirements. This statement caused my XXXX credit score to drop XXXX points from XXXX to XXXX. Additionally, the XXXX and XXXX credit scores dropped between XXXX and XXXX points from XXXX to XXXX to XXXX. I disputed the charge on my credit card account because I didn't receive the services I paid for from the merchant, and its my right to dispute the charge. However, the statement Navy Federal put on my credit bureau file was punitive. 

I sent two messages to Navy Federal, however, Navy Federal was no help in resolving the situation it caused. Everyone I spoke or wrote to at Navy Federal said, that its the credit bureaus problem not theirs. However, I believe Navy Federal should understand how each statement they put on a members credit bureau file, will impact the members credit score. They should know if it will have a positive or negative impact and they should put a statement on the file that mirrors the situation. Additionally, they should listen to what its members are saying so that they understand what is happening. 

I contacted each Credit Bureau and they listened and looked at the situation, and knew that my scores should not have dropped. They removed the statement. My credit scores increased ; however, they did not increase by the amounts they decreased. Then once again Navy Federal put the statement on and my XXXX credit score is back to XXXX. Additionally, the XXXX and XXXX credit scores are XXXX to XXXX. I want my credit scored back to XXXX. 

Respectfully, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 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: DISCOVER BANK
State: CT

Complaint narrative:
The company for months claimed I owed them {$5400.00} I kept telling them I did not. Months prior I filed an identity theft report with XXXX XXXX XXXX XXXX in XXXX, I told Discover that my information was compromised by someone who claimed to be them. They just kept giving me the runaround This is a conversation between myself and a supervisor wherein they admit to filing fake inaccurate credit reports, I maintained my calm but this thing had been going on for some time and they continued to make errors and promises to correct them but did not. 

XXXX video of Conversation between myself and Discover bank supervisor : XXXX XXXX XXXX I sent the documents required to have the false reports removed from my credit file, but months have passed and nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 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: TN

Complaint narrative:
I am writing to follow up on my recent dispute regarding unauthorized and inaccurate inquiries on my credit report. I appreciate your attention to this matter and kindly request that you take immediate action to remove the hard inquiries from my credit report, as a resolution to this dispute. 

To provide you with the necessary details, I am outlining the relevant information below : -- -- -XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXEquifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25 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: SC

Complaint narrative:
My identity was stolen in XXXX and XXXX. I contacted upon discovering that online purchases had been made, but not by me or with my consent. The bank XXXX stated that there was nothing that they could do to help me. I called consumer reporting agencies also known as the credit bureaus. I was passed around from agent to agent. No resolution was reached. The fraudulent accounts were eventually removed from my reports. However, upon attempting to purchase a home. I discovered that accounts have reappeared on my consumer reports. I need this information removed permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 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: SC

Complaint narrative:
My identity was stolen in XXXX XXXX XXXX. I contacted upon discovering that online purchases had been made, but not by me or with my consent. The bank XXXX stated that there was nothing that they could do to help me. I called consumer reporting agencies also known as the credit bureaus. I was passed around from agent to agent. No resolution was reached. The fraudulent accounts were eventually removed from my reports. However, upon attempting to purchase a home. I discovered that accounts have reappeared on my consumer reports. I need this information removed permanently.

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 2023-10-25 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
This account has violated my rights according to FCRA rules and regulations. 
A Chargeoff means that the debt has been charged off and the company XXXX XXXX XXXX XXXX ) has used this debt as a tax write off. Which makes this taxable income. And income is not reported to a consumer report ; According to : 15 U.S Code 1681a - Definitions ; rules of constructions ( 2 ) Exclusions-Except as provided in paragraph ( 3 ), the TERM consumer report does not include- ( A ) subject to section 1681s- 3 of this Title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Secondly, when a debt is charged off. The Company that charged the debt off must send a 1099c to the consumer. XXXX XXXX XXXX, did not. This is clearly a violation of my rights.

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