vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/year>, my PayPal account was accessed by unauthorized parties. My password was changed at XXXXXXXX XXXX XXXX, and shortly after, XXXX large purchases of {$490.00} in XXXX  ( PayPal USD XXXX  ) were made, followed by approximately XXXX XXXX microtransactions to an unknown external wallet. 

I do not own or use any Android devices. Yet, my PayPal login activity log clearly shows multiple unauthorized logins from " XXXX PayPal App '' and " Unknown Device '' on XX/XX/XXXX the same day the fraudulent activity occurred. 

Despite reporting this immediately and providing evidence, PayPal closed the case, claiming the activity was consistent with my payment history. This is false and dismisses the forensic login evidence I submitted. I had XXXX XXXX XXXXXXXX enabled on my XXXX, did not click on phishing links, and did not use public Wi-Fi. 

I have emailed both XXXX and XXXX with documentation. I am requesting PayPal reopen this case, investigate the unauthorized access properly, and reimburse the total loss of approximately {$1400.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
After inspecting my credit report, I noticed several mistakes. The XXXX credit bureaus are required to validate these accounts per Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ).

Reporting unverified information without proof within the legal period is not allowed. 
Please investigate and correct the following accounts listed on my credit report : XXXX XXXX Date Opened : XX/XX/XXXX Late Date : XX/XX/XXXX Payment Status : Current XXXX XXXXXXXX Opened : XX/XX/XXXX Late Date : XX/XX/XXXX Payment Status : Current XXXX XXXXXXXX Balance : {$0.00}

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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I, XXXX XXXX XXXX, am a victim of identity theft, and this serves as my official statement regarding the crime. My personal information has been fraudulently used to open multiple unauthorized accounts and inquiries, which I have reported to the proper authorities. My FTC Report Number is XXXX. I am demanding that all fraudulent items be removed from my credit report within 10 days of this notice. These fraudulent accounts include : XXXX XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX XXXX {$19000.00} XXXX XXXX XXXX XXXX {$22000.00} XXXX XXXX {$8800.00} XXXX XXXX XXXX {$470.00} Additionally, the following unauthorized credit inquiries must be removed immediately : XXXX XXXXXXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to 18 USC 8 , I owe no debt, and these companies are violating my consumer rights under 15 USC 1681b ( 2 ) and 15 USC 1681 ( 4 ) by reporting unauthorized information without my consent. Furthermore, these creditors have engaged in continuous harassment, violating 15 USC 1692d, which prohibits abusive, deceptive, and unfair debt collection practices. They have also illegally contacted me in violation of 15 USC 1692c, which restricts unauthorized communication, and have falsely reported information in violation of 15 USC 1692e. These unlawful actions are in direct violation of federal consumer protection laws, and I demand immediate corrective action. 

Under penalty of perjury, I declare this information true and correct to the best of my knowledge. I understand that knowingly making false statements may result in penalties under federal, state, or local laws.

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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX Account # XXXX I am filing this complaint against Experian for continued inaccurate and incomplete reporting on my credit file, specifically related to my XXXX XXXX XXXX account, despite multiple disputes. 

Experian is reporting false late payments and showing " ND '' ( No Data ) for several months where payments were in fact made on time. These inaccuracies have persisted even after I submitted disputes with supporting documentation. Experian has failed to correct the errors or properly investigate them, which has severely impacted my credit score, access to credit, and the interest rates Im being offered.

The ND entries imply missing or unreported data, which is misleading and untrue, especially when the account has been consistently paid. These false negatives are harming my credit profile and do not reflect the actual payment history of the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX Account # XXXX I am filing this complaint against Experian for continued inaccurate and incomplete reporting on my credit file, specifically related to my XXXX XXXX XXXX account, despite multiple disputes. 

Experian is reporting false late payments and showing " ND '' ( No Data ) for several months where payments were in fact made on time. These inaccuracies have persisted even after I submitted disputes with supporting documentation. Experian has failed to correct the errors or properly investigate them, which has severely impacted my credit score, access to credit, and the interest rates Im being offered.

The ND entries imply missing or unreported data, which is misleading and untrue, especially when the account has been consistently paid. These false negatives are harming my credit profile and do not reflect the actual payment history of the account.

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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Please provide signature showing ownership of account and if can not provide please remove immediately pursuant to consumer laws

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS
State: IL

Complaint narrative:
In XX/XX/year>, I notified XXXX of a multi-vehicle slide caused by hazardous weather conditions. No damage occurred, no police report was filed, and no third party submitted a claim. I did not file a claim, request coverage, or receive any insurance payout. I contacted XXXX solely to document the incident. 

Despite this, XXXX furnished a consumer report to LexisNexis designating me at fault, which now appears on my XXXX XXXX XXXX XXXX. This information is inaccurate, misleading, and lacks any legal or factual determination of liability. 

I submitted a formal dispute to LexisNexis under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and requested reinvestigation. I also requested that XXXX provide documentation substantiating the fault assignment under 15 U.S.C. 1681s-2 ( b ). XXXX failed to provide such evidence and has refused to correct the record, despite acknowledging that no claim was filed and no payout occurred. 

This false and unverified reporting constitutes a violation of FCRA obligations to ensure accuracy and integrity of information furnished to consumer reporting agencies. I respectfully request the CFPBs assistance in compelling XXXX to either provide verifiable documentation supporting this reporting or to immediately withdraw or amend the at-fault designation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
SYNCB/Lowes is being reported on my credit profile and Ive never applied for it nor use something like that needs to be removed XXXX is being reported on my credit and needs to be removed I have no idea what this is

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: TN

Complaint narrative:
This is my XXXX complaint concerning this XXXX XXXX collection agency { Rent Recovery Solutions LLC } that I have no knowledge of, the XXXX compliant was in XX/XX/2025 about numerous of phone calls, I received that I even had to change my number, stating that I owe them {$3300.00}, I requested proof of any document or contract with my signature on it, they did not provide. 

Now as I continue to work on building my credit, I notice on my credit file today RRS submitted to XXXX as of XX/XX/2025, that i owe them, this has become very frustrating, and annoying. RRS is damaging my credit score, and I DEMAND THAT THIS STOP IMMEDIATELY. 

I plead with you CFPB, if RRS can not provide proof of any documents or contracts with my signature, TO ASK THEM PLEASE IMMEDIATELY DELETE & REMOVE ALL INFORMATION FROM MY CREDIT FILE WITH ALL XXXX CREDIT BUREAUS & STOP REPORTING IT. 

THIS HAS BECOME PURE HARRASMENT & I DEMAND IT STOP NOW!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MD

Complaint narrative:
I am sending this statement in response to a notice I received from COLUMBIA DEBT RECOVERY LLC DBA GENESIS regarding an alleged debt. Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, I am requesting validation of this debt, including all relevant details and documentation proving that I am legally responsible for it. 

Please provide the following : - The full account number associated with the alleged debt. 
- A copy of the original signed contract or agreement stating I agreed to this debt with COLUMBIA DEBIT RECOVERY LLC DBA GENESIS.

- A full itemized breakdown of the amount claimed, including principal, interest, fees, and any payments made. 

As per federal law, collections must cease until proper validation is provided. If you can not validate this debt, I expect immediate removal from your records and no further contact regarding this matter. 

Additionally, under the Fair Credit Reporting Act ( FCRA ), if this debt has been reported to any credit bureau, I demand its removal until validation is complete. 

Please respond within 30 days of receiving this letter. If you fail to comply, I will explore all legal options available to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
The accounts listed are not mine and were unauthorized. These accounts were open without my consent : 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 2025-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of XXXX data breach and Identity Theft. Kindly block and delete the account within 4 business days as required by FCRA 605B, 15 USC 1681c-2. Please see attached FTC reports and other relevant documents.

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 2025-03-25 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX  XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Balance {$200.00} Account Name : XXXX # XXXX - XXXX Opened XX/XX/XXXX Account Name XXXX XXXX XXXXXXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date XXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/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 2025-03-25 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Hi, I am in need of help dealing with my debt collector NewRez. When the mortgage servicing on my home was sold to NewRez last year, they started claiming that the principal was a higher amount than it was previously. My previous debt collector XXXX gave me a letter saying the principal was {$660000.00} before the servicing transfer but NewRez is claiming the amount is {$660000.00} when they took over the loan XXXX last year. I made an extra {$5000.00} principal payment to my previous debt collector XXXX and I have provided to NewRez the following : 1. XXXX statements showing the extra principal payment, 2. XXXX Notice of Servicing Transfer letter with the correct principal balance, and 3. XXXX XXXX XXXX statements to NewRez showing the extra payment made. They refuse to take this into account. I have been on the phone with them over 20 times. They are refusing to update the principal amount and are trying to make me pay more money than I owe them. Please help. The loan number with NewRez is XXXX Property : XXXX XXXX XXXX XXXX  XXXX, XXXX, CA, XXXX ( Note to CFPB : please remove the address and loan number before publishing )

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: MO

Complaint narrative:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court.

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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
These items are directly linked to my status as a victim of human trafficking and debt bondage. Their presence on my credit report is unjust and continues to cause further harm. As per federal law, the following reasons justify their immediate removal : XXXX XX/XX/XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXXXXXX Balance : {$0.00}

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 2025-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
Date opened XX/XX/XXXX Status Collection account. {$70.00} past due as of XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: MO

Complaint narrative:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court.

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