vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Army and Air Force Exchange Service
State: FL

Complaint narrative:
Hello I need assistance with an account that is reporting incorrectly on my credit, this account is reporting as a paid collection when in fact it isn't a collection and never was.. I had a military star card that was opened in XXXX in which payment history was great, well I went on XXXX in early XXXX and called to let them know and was told that I would have no payments while I was out of the country, I got back in XXXX of XXXX, called to let them know that I was back in the states and the very next month, I received a credit alert saying that a new collection was added to my credit in which it was from Military Star Card. At that time I honestly didnt know how to start working on my credit so it sat on my credit for awhile as I was a working father and spouse. Well in XXXX I really started to research how to go about fixing my credit and I ended up contacting Military Star Card in which I spoke with 2 people, stated my case, they looked into it and verified that I was in fact correct and they told me that they would get it updated for me with all 3 credit bureaus as ''Paid In Full and Paid as Agreed, I was told that it would take 30-45 days to reflect and that was in XXXX of XXXX till this day the account still hasn't been updated and I'm extremely frustrated by it. I'm asking for help in getting my account updated correctly as I'm sure you understand that this false reporting has gotten me denied for credit for something that was out of my control! I will attach all documents below and by the way I have disputed this account on numerous occasions since then and have not received any correspondence or communication, I disputed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, at this point you're my only hope in helping me fix this. 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 2022-03-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Matter went to litigation in XXXX District Court with Plaintiff named as the original named creditor on my credit report. Upon review of my Answer ( denial of the allegations made ), Creditor consented to a full and final Dismissal With Prejudice. This matter has been Ordered Dismissed With Prejudice and without costs to either party by the Court. A copy has been uploaded to the Credit Reporting Agency but still remains on my credit report. This fraudulent debt should be completely removed from my credit report immediately.

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 2022-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-03-02 00:00:00
Product: Credit reporting, credit repair services, 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated 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 In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated 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 In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated 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 In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated 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 In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated 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 2022-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated 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 In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated 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 In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated 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 In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated 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 In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated 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 explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: UT

Complaint narrative:
ALLY FINANCIAL is reporting an ILLEGAL REPOSSESSION on all XXXX of my credit bureaus. Their repo guy broke into my CLOSED LOCKED GARAGE, which is ILLEGAL. If they can not provide proof WITH PHOTOS that they LEGALLY repossessed it, by law they must remove the account entirely from ALL 3 credit bureaus. Their verifying that is was repossessed is not the issue at hand. Please force them to actually respond with proof. Since I know they can not, it must be REMOVED IMMEDIATELY.

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 2022-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I submitted a dispute on my XXXX credit report for derogatory remarks that were more than seven years old. XXXX removed two of these derogatory remarks. My XXXX  score went from XXXX to XXXX on XXXX. I submitted the same disputes for XXXX and Equifax. Both of these disputes took longer than 30 days. XXXX and Equifax stated that " resolved, consumer disagrees '' This is of course incorrect as XXXX has correctly removed these remarks from my account. Not only that, my Equifax credit score subsequently shot down from I think 696 or 712 down to XXXX. When clicking XXXX  " see what changed '' it stated " no changes were made. '' The only thing that was that there was a new remark on my derogatory accounts from over 7 years ago that the I disagree. It is past statute of limitations and should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

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 2022-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Im writing in regards to XXXX, EQUIFAX, and XXXX Ive tried several times by mailing dispute letters to them because my personal and financial information is incorrect and I want it all removed. Since Ive mailed dispute letters and there have been any changes. Ive seen none at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC
State: NJ

Complaint narrative:
Last week, I see Derogatory marks on my credit profile came from Sunrise credit services for XXXX creditor services. 

Tried contacting XXXX XXXX XXXX support several times in past 2 days with different support persons/teams and they confirmed there is no active or outstanding amount pending with me. 
Visited XXXX XXXX XXXX corporate office ( XXXX XXXX XXXX, NJ ) and they confirmed there is no open account on my name/SSN which confirms there is no due on me. Currently, XXXX XXXX XXXX XXXX line is owned by the business and before I move to the business line, my earlier account was closed and I have email confirmation for the same. 
Since i overpaid for that account so XXXX XXXX XXXX refunded me the money via a GIFT card ( XX/XX/XXXX ) which confirms there is no due. 

Finally, I finally called Sunrise credit services on Monday ( XX/XX/XXXX ) to investigate which account had dues so I can provide the details to XXXX and clarify. 
Since they couldn't find anything due on my name/address/SSN. 

Also, asked them did they contacted me via email/mail before they reported debt on my credit report with Derogatory remarks. 
They told me several mail notices were sent on XXXX XXXX XXXX XXXX, XXXX NJ, XXXX. I told the agency that its not my address and this is not even a valid address. 
Plus, there is no email address on the collection due Account. 
Since i was never notified of any due or neither I have any open account with them so its clear case of fraud committed by XXXX XXXX XXXX using my identity. 
As a result, they opened a Fraud against XXXX ( waiting for the fraud package to arrive ) I would request you to please help investigate this issue and help restore my impacted credit history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Navy Federal Credit Union is reporting an account on my credit incorrectly and i have disputed this account numerous times, its a credit card account that was opened in XXXX first of all its past the statue of limitations for reporting and secondly they're listing it as charged off every single month from XXXX on my XXXX credit report but on my XXXX credit report they're reporting perfect payment history from XXXX, how is it a derogatory account and a collection if you're reporting perfect credit history on one report, none of the reports are reporting correctly they're reporting fraudulently and i know that its a violation to charge an account off every single month. I have asked numerous times for debt validation and haven't received any correspondence from this bank, that is my right! They can not report incorrect information and they are supposed to respond to dispute claims. Ive attached documents below... I'm asking for this to be corrected immediately as this is harming my credit scores. ive disputed this account on XXXX and XX/XX/XXXX and still have not received anything that ive asked them to provide and this account is now XXXX 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 2022-03-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NC

Complaint narrative:
On XX/XX/2022, I received several app notifications from Chime about money being moved from my savings to my checking account and being spend on gift cards. I was at work when the notifications were being sent to me. My account was being hacked and they had access to my personal information. The amounts were {$300.00}, {$300.00}, {$100.00}, {$100.00}, {$300.00}, {$300.00} and they were all spent on XXXX gift cards. I then began receiving emails from XXXX about the purchases. That's when I realized not only have the hackers taken my money but they also now have my information. In total {$1400.00} was stolen from my account. I immediately contacted Chime to notify them about this and to tell them to freeze my account because the purchases were not made by me. Chime told me that I had to let the transition go through and they would dispute it after they went through. I also reached out to XXXX to notify them about an account being made in my name not by me as well as the purchases not being made by me. They informed me there was nothing they could do because the money on the gift cards had been spent already and to notify Chime. On XX/XX/XXXX I was notified that Chime would allow me to dispute the charges. Today, XX/XX/XXXX, Chime emailed me and notified me that there was noting they could do and alleged there was no error and that they were closing the case.

Company response to consumer: Closed with explanation