vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-21 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: MA

Complaint narrative:
In my agreement of the XXXX XXXX  with the higher balance. It was agreed by multi people, multi org levels right up to the XXXX XXXXXXXX . When paid as agreed. Any reporting would either be updated to no data or blank. Or any negative remarks would be updated. Between mid XXXX XX/XX/XXXX. The phone calls have multiple recordings of this. Within email/ messages it is also committed too. I was told bluntly to my face when the XXXX XXXX was settled officially I called and ensured on my update its the last piece of my ruined life and finances for no reason at all, thanks for that. And was told within 30 days the settlement and reporting would be finished. Months and months dispute after dispute still waitin so I can get my life on track. XXXX havent you done enough damage. You always got paid in full so no hard ever done to you. XXXX, house, any options gone still because of the 3 incorrect but regardless agreed to be taken care of payments. Plz update

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 2024-09-21 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: Prosper Marketplace, Inc.
State: CA

Complaint narrative:
I have been paying for a credit that I have been disputing charges on since XX/XX/year>. The credit card company has not been cooperative with me and at times yelled at me told me that there was nothing I can do. That I would have to pay for the charges. Ive asked the company to due a proper investigation into the charges. I have no way to log into the portal to see exactly how much Im paying for a card I have never received. The card is on automatic payment and takes money from my checking account causing a financial hardship.

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 2024-09-21 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: NV

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX Washington, XXXX XXXX Subject : Complaint Against ProCollect for Reinserting Negative Information on Credit Report Dear CFPB, I am writing to formally lodge a complaint against XXXX regarding their improper reinsertion of negative information on my credit report with XXXX. 

**Consumer Information : ** - Name : XXXX XXXX XXXX - Social Security Number : XXXX **Creditor Information : ** - Company Name : XXXXXXXX - Address : XXXX TX XXXX of the Complaint : ** I recently obtained a copy of my credit report from XXXX and discovered that XXXX has reinserted negative information that I believed had been previously removed or marked as resolved. 

XXXX. **Date of Negative Information : ** XX/XX/year> the date when the negative information was first reported ] XXXX. **Nature of the Debt : ** XXXX XXXX {$170.00} on XXXX partial account number XXXX XXXX. XXXX XXXX : ** information was disputed and deleted for not complete account number verification. 

Despite my efforts to address this matter, including [ mention any attempts to dispute the information, such as contacting XXXX or XXXX and Experian ], the negative information has reappeared on my credit report. This has caused significant distress and has adversely affected my credit score and ability to secure credit. 

Under the Fair Credit Reporting Act ( FCRA ), I understand that creditors are required to ensure that any information they report is accurate and that they can not reinsert previously deleted or disputed information without proper verification. I believe XXXX has violated these regulations by failing to validate the debt and by re-reporting information that should not have been reinstituted on my credit report. 

**Requested Resolution : ** I kindly request that the CFPB investigate this matter and take appropriate action against XXXX  for their failure to comply with the FCRA XXXX Additionally, I ask that my credit report be corrected to reflect the accurate status of this account. 

Thank you for your attention to this matter. I look forward to your prompt response and the resolution of my complaint. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2024-09-21 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: ProCollect, Inc.
State: NV

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX Washington, XXXX XXXX Subject : Complaint Against XXXX for Reinserting Negative Information on Credit Report Dear CFPB, I am writing to formally lodge a complaint against XXXX regarding their improper reinsertion of negative information on my credit report with XXXX. 

**Consumer Information : ** - Name : XXXX XXXX XXXX - Social Security Number : XXXX **Creditor Information : ** - Company Name : XXXX - Address : XXXX TX XXXX of the Complaint : ** I recently obtained a copy of my credit report from XXXX and discovered that XXXX has reinserted negative information that I believed had been previously removed or marked as resolved. 

XXXX. **Date of Negative Information : ** XX/XX/year> the date when the negative information was first reported ] XXXX. **Nature of the Debt : ** XXXX showing {$170.00} on XXXX partial account number XXXX XXXX. XXXXPrevious Resolution : ** information was disputed and deleted for not complete account number verification. 

Despite my efforts to address this matter, including [ mention any attempts to dispute the information, such as contacting XXXX or XXXX and XXXX ], the negative information has reappeared on my credit report. This has caused significant distress and has adversely affected my credit score and ability to secure credit. 

Under the Fair Credit Reporting Act ( FCRA ), I understand that creditors are required to ensure that any information they report is accurate and that they can not reinsert previously deleted or disputed information without proper verification. I believe XXXX has violated these regulations by failing to validate the debt and by re-reporting information that should not have been reinstituted on my credit report. 

**Requested Resolution : ** I kindly request that the CFPB investigate this matter and take appropriate action against XXXX  for their failure to comply with the FCRA XXXX Additionally, I ask that my credit report be corrected to reflect the accurate status of this account. 

Thank you for your attention to this matter. I look forward to your prompt response and the resolution of my complaint. 

Sincerely, 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 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau Subject : Concerns Regarding Identity Theft and Consumer Reports Dear CFPB Representative, I am writing to bring to your attention a serious issue concerning the use of my personal information by TransUnion and the implications of identity theft under the Fair Credit Reporting Act ( FCRA ), specifically referencing 15 U.S. Code 1681b and 1681c1.

It has come to my attention that my identity may have been compromised, leading to unauthorized use of my consumer report for employment purposes as outlined in 1681b. This situation raises significant concerns about the security and integrity of my personal information. 

I would like to remind you of 1681c1, which allows for the initiation of one-call fraud alerts. Upon my request, I expect that TransUnion will include a fraud alert in my file for no less than XXXX year and provide this alert with any credit score generated from my file. Furthermore, I request that any extension of this fraud alert be communicated to other consumer reporting agencies as required by law. 

Additionally, I would like to ensure that TransUnion is promptly notifying any information furnishers of the identity theft report I intend to file. Protecting my personal information and ensuring that any fraudulent activity is addressed swiftly is of utmost importance to me. 

I appreciate your attention to this matter and look forward to your guidance on how to proceed with protecting my identity and addressing any unauthorized use of my consumer report. 

Thank you for your assistance. 

Sincerely,

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 2024-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: PA

Complaint narrative:
Temp hold was taken out of secured credit and the amount of {$57.00} transaction was only {$27.00} receipt was supplied to verify this information bank refusal to return overage. Credit card was overdraft at three separate locations in which locations themselves are unknown requested camera footage and to be credited back funds in which place me an overdraft made multiple Friday investigations in which chime is not investigating properly and just denying all claims.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-21 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: NV

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Identity Theft Complaint Regarding Fraudulent Accounts with XXXXXXXX XXXX XXXXXXXX Dear CFPB, I am writing to formally file a complaint regarding identity theft that has resulted in the establishment of fraudulent accounts in my name with XXXXXXXX XXXX XXXXXXXX. I have discovered two accounts that I did not open, and I believe my personal information has been compromised. 

**Details of the XXXX Accounts : ** 1. **Account Number : ** [ XXXX **Date Opened : ** XX/XX/year> **Balance : ** {$1800.00} 2. Account Number XXXX **Date Opened : XX/XX/year> **Balance : {$2900.00} I first became aware of these accounts when I reviewed my credit report on [ insert date you reviewed your report ]. Upon noticing these accounts, I immediately contacted XXXX XXXX XXXXXXXX to dispute the validity of these accounts and to inform them that I am a victim of identity theft. I have provided them with the necessary documentation, including a police report and proof of my identity, but I have yet to receive a satisfactory resolution. 

I am requesting that XXXXXXXX XXXX XXXXXXXX take the following actions : 1. Remove the fraudulent accounts from my credit report with all three major credit bureaus ( Equifax, XXXX, and XXXX ). 
2. Provide me with written confirmation that the accounts have been closed and removed from my credit history. 

In addition to the above, I would like to request the assistance of the Consumer Financial Protection Bureau in investigating this matter and ensuring that my rights as a consumer are upheld. It is crucial for me to restore my credit and protect my financial identity. 

I have attached copies of relevant documents, including my identification, the police report, and any correspondence with XXXXXXXX XXXX XXXXXXXX regarding this matter. 

Thank you for your attention to this serious issue. I look forward to your prompt response and assistance in resolving this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 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: NV

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Identity Theft Complaint Regarding Fraudulent Accounts with XXXX XXXX XXXXXXXX Dear CFPB, I am writing to formally file a complaint regarding identity theft that has resulted in the establishment of fraudulent accounts in my name with XXXXXXXX XXXX XXXXXXXX. I have discovered two accounts that I did not open, and I believe my personal information has been compromised. 

**Details of the Fraudulent Accounts : ** 1. **Account Number : ** [ XXXX **Date Opened : ** XX/XX/year> **Balance : ** {$1800.00} 2. Account Number XXXX **Date Opened : XX/XX/year> **Balance : {$2900.00} I first became aware of these accounts when I reviewed my credit report on [ insert date you reviewed your report ]. Upon noticing these accounts, I immediately contacted XXXXXXXX XXXX XXXXXXXX to dispute the validity of these accounts and to inform them that I am a victim of identity theft. I have provided them with the necessary documentation, including a police report and proof of my identity, but I have yet to receive a satisfactory resolution. 

I am requesting that XXXXXXXX XXXX XXXXXXXX take the following actions : 1. Remove the fraudulent accounts from my credit report with all three major credit bureaus ( XXXX, Experian, and XXXX ). 
2. Provide me with written confirmation that the accounts have been closed and removed from my credit history. 

In addition to the above, I would like to request the assistance of the Consumer Financial Protection Bureau in investigating this matter and ensuring that my rights as a consumer are upheld. It is crucial for me to restore my credit and protect my financial identity. 

I have attached copies of relevant documents, including my identification, the police report, and any correspondence witXXXX XXXX XXXX XXXXXXXX regarding this matter. 

Thank you for your attention to this serious issue. I look forward to your prompt response and assistance in resolving this matter. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I have sent Experian the correct stuff that they are reporting incorrectly on my credit report I sent them all the necessary documents and they have not done anything regarding them by just sending me fake letters just to get their response out to me I need them to remove the inaccurate public record in my report as soon as possible Bankruptcy XXXX XXXXdischarged US BKPT CT 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 2024-09-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I filed a complaint with the XXXX major credit bureaus regarding inaccurate items on my credit report. They have ignored my complaint and are accusing me of using a third party to file it. This is not true, as I submitted the complaint myself. Attached are some letters and a copy of my ID for your review. If they continue to ignore my complaint, I will file a lawsuit against them and seek compensation for the damages they have caused

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 2024-09-21 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: NC

Complaint narrative:
I filed a complaint with the XXXX major credit bureaus regarding inaccurate items on my credit report. They have ignored my complaint and are accusing me of using a XXXX  party to file it. This is not true, as I submitted the complaint myself. Attached are some letters and a copy of my ID for your review. If they continue to ignore my complaint, I will file a lawsuit against them and seek compensation for the damages they have caused

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 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I have sent XXXX the correct stuff that they are reporting incorrectly on my credit report I sent them all the necessary documents and they have not done anything regarding them by just sending me fake letters just to get their response out to me I need them to remove the inaccurate public record in my report as soon as possible Bankruptcy XXXX XXXXdischarged US BKPT CT 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 2024-09-21 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: Conn's, Inc.
State: NV

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Identity Theft Complaint Regarding Fraudulent Accounts with Conn 's HomePlus Dear CFPB, I am writing to formally file a complaint regarding identity theft that has resulted in the establishment of fraudulent accounts in my name with Conn 's HomePlus. I have discovered two accounts that I did not open, and I believe my personal information has been compromised. **Details of the Fraudulent Accounts : ** 1. **Account Number : ** [ XXXX **Date Opened : ** XX/XX/year> **Balance : ** {$1800.00} 2. Account Number XXXX **Date Opened : XX/XX/year> **Balance : {$2900.00} I first became aware of these accounts when I reviewed my credit report on [ insert date you reviewed your report ]. Upon noticing these accounts, I immediately contacted Conn 's HomePlus to dispute the validity of these accounts and to inform them that I am a victim of identity theft. I have provided them with the necessary documentation, including a police report and proof of my identity, but I have yet to receive a satisfactory resolution. I am requesting that Conn 's HomePlus take the following actions : 1. Remove the fraudulent accounts from my credit report with all three major credit bureaus ( XXXX, XXXX, and XXXX ). 2. Provide me with written confirmation that the accounts have been closed and removed from my credit history. In addition to the above, I would like to request the assistance of the Consumer Financial Protection Bureau in investigating this matter and ensuring that my rights as a consumer are upheld. It is crucial for me to restore my credit and protect my financial identity. I have attached copies of relevant documents, including my identification, the police report, and any correspondence with Conn 's HomePlus regarding this matter. Thank you for your attention to this serious issue. I look forward to your prompt response and assistance in resolving this matter. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 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: NV

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX Washington, XXXX XXXX Subject : Complaint Against XXXX  for Reinserting Negative Information on Credit Report Dear CFPB, I am writing to formally lodge a complaint against XXXX  regarding their improper reinsertion of negative information on my credit report with TransUnion. 

**Consumer Information : ** - Name : XXXX XXXX XXXX - Social Security Number : XXXX **Creditor Information : ** - Company Name : XXXX  - Address : XXXX TX XXXXDetails of the Complaint : ** I recently obtained a copy of my credit report from TransUnion and discovered that XXXX has reinserted negative information that I believed had been previously removed or marked as resolved. 

XXXX. **Date of Negative Information : ** XX/XX/year> the date when the negative information was first reported ] XXXX. **Nature of the Debt : ** XXXX showing {$170.00} on TransUnion partial account number XXXX XXXX. XXXXPrevious Resolution : ** information was disputed and deleted for not complete account number verification. 

Despite my efforts to address this matter, including [ mention any attempts to dispute the information, such as contacting XXXX or TransUnion and XXXX ], the negative information has reappeared on my credit report. This has caused significant distress and has adversely affected my credit score and ability to secure credit. 

Under the Fair Credit Reporting Act ( FCRA ), I understand that creditors are required to ensure that any information they report is accurate and that they can not reinsert previously deleted or disputed information without proper verification. I believe XXXX has violated these regulations by failing to validate the debt and by re-reporting information that should not have been reinstituted on my credit report. 

**Requested Resolution : ** I kindly request that the CFPB investigate this matter and take appropriate action against XXXX  for their failure to comply with the FCRA XXXX Additionally, I ask that my credit report be corrected to reflect the accurate status of this account. 

Thank you for your attention to this matter. I look forward to your prompt response and the resolution of my complaint. 

Sincerely, 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 non-monetary relief