vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
As of XX/XX/XXXX I allegedly owe PayPal {$7900.00} on an account that is not mine. PayPal refuses to give me any information on the account and they keep transfering me to collections. I also received a collection letter from a company called XXXX XXXX XXXX XXXX, Phone Number XXXX. The collection agency told me to contact PayPal which I did. All they would confirm is that the alleged account is associated with my name, home address, and social security #. When they asked me to confirm my email address I gave them my address. They stated that is not the email address associated with this account. I have had an active paypal account for over 20 years with no issues. Every time I call Paypal now they keep transferring me to collections even though I ask to speak with the Fraud Dept. They told me they were opening a dispute on XX/XX/XXXX when I called them the first time. Now on XX/XX/XXXX speaking with PayPal again and they stated that no dispute was opened. I am getting know where with PayPal

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-18 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: MS

Complaint narrative:
I am writing to formally notify you that I have become a victim of a data breach, and I am requesting that all accounts listed below be blocked and deleted from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as these accounts were fraudulently opened using my personal information. 
Fraudulent Accounts to be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} Additionally, I request that all inquiries related to these fraudulent accounts be blocked and deleted. Below are the inquiries associated with the fraudulent accounts :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 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: MS

Complaint narrative:
I am writing to formally notify you that I have become a victim of a data breach, and I am requesting that all accounts listed below be blocked and deleted from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as these accounts were fraudulently opened using my personal information. 
XXXX Accounts to be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I request that all inquiries related to these fraudulent accounts be blocked and deleted. Below are the inquiries associated with the fraudulent accounts :

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 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Upon reviewing my credit report. I discovered several unauthorized hard inquiries that I do not recognize. I contacted credit Bureaus to dispute these hard inquiries and requested their removal. Unfortunately, the credit Bureaus refused to remove from my credit report. This issue is causing undue stress and is negativity affecting my financial standing.

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 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ideal Collection Services, Inc.
State: FL

Complaint narrative:
In XX/XX/XXXX, my lease with XXXX XXXX  XXXX ended. Due to Hurricane Idalia, I had a verbal agreement with management to extend my stay temporarily, and I vacated on the agreed-upon date. Despite leaving the unit in acceptable condition, including having the carpets professionally cleaned and providing photographic evidence, XXXX XXXX falsely claimed carpet damage and holdover tenancy. These claims were later sent to XXXX Collections without proper validation or evidence. 

On XX/XX/XXXX, I formally disputed the debt and requested : XXXX. An itemized breakdown of charges. 
XXXX. Proof of carpet damage with supporting documentation. 
XXXX. Evidence of holdover tenancy claims. 

While XXXX XXXX provided limited documentation, it was incomplete, inaccurate, and failed to substantiate the debt. 

Laws Violated : 1. Florida Statute 83.49 ( 3 ) : This law requires landlords to provide proper documentation of claims made against a tenants security deposit. XXXX XXXXXXXX failed to provide sufficient evidence to justify the alleged damages. 
2. Fair Credit Reporting Act ( 15 U.S.C. 1681 ) : The debt reported to credit bureaus was inaccurate, unverifiable, and incomplete, violating FCRAs requirement for accurate and complete reporting.

3. Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ) : Ideal Collections reported and attempted to collect on a debt without validating its accuracy or legitimacy, as required under FDCPA 809 ( b ).

4. Florida Statute 83.56 : XXXX XXXX did not issue a formal eviction notice or otherwise follow proper procedures for holdover tenancy claims. 

I am requesting : The immediate removal of this inaccurate debt from my credit report. 
The cessation of all collection activities related to this unverifiable debt. 
Compliance with state and federal laws regarding accurate reporting and proper debt validation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
This is actually about my debit card with Santander Bank. I purchased air line tickets from ASAP and when I received a copy of the airline ticket I noticed my name was not on it. I immediately cancelled the ticket from the scam company. The company originally said they would refund and never did so I contacted my bank 4 times and 4 times my claim was denied after I showed proof that this scam company did say they would refund me and was a computer glitch that I did not receive my money. The company then reached back out to me to close the case and they would refund but once I close the case I knew I would automatically not receive my money back. 
I do not know why my bank wont recredit. All the supervisor calls I had said they would assist me in getting my money recredited but that did not happen I will attach my last correspondence with the bank and ASAP tickets Thank you XXXX XXXX I had fraud on my debit card so the credit card i submitted is not the originl debit card but santander has all this info

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 2024-12-18 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: RFNA, LP
State: TX

Complaint narrative:
This complaint serves as formal notification that I previously requested validation and an explanation of the alleged debt that your company is reporting on my credit report. To date, you have failed to provide any such validation. 

In my research, I discovered that your companys franchise tax has ended, and as a result, your right to transact business or report any information to the credit bureaus is forfeited. According to state records, an inactive status means your company is not in good standing with the Secretary of State ( SOS ). Reporting this alleged debt while operating illegally constitutes a violation of my rights.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request and receive proper validation of this debt, including detailed proof of the alleged balance, creditor information, and your authority to collect. To date, I have not received this validation, and I do not believe this debt to be accurate. 

Due to your failure to validate the debt and your lack of legal standing to operate or report any information, I am demanding the immediate removal of this account ( Account # XXXX ) from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: AR

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report. I am a victim of a data breach, and I did not authorize any of the accounts or inquiries mentioned below. These accounts must be blocked and deleted in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 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: AR

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report. I am a victim of a data breach, and I did not authorize any of the accounts or inquiries mentioned below. These accounts must be blocked and deleted in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2024-12-18 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: FL

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 2024-12-18 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: U.S. BANCORP
State: AL

Complaint narrative:
XXXX XXXX the date credit was ran without consent.

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 2024-12-18 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: WI

Complaint narrative:
I submitted a lot of complaints regarding my concern about the removal of the Bankruptcy that I have on my credit report. XXXX clearly stated that they could not locate the following Bankruptcy records on my file. Bankruptcy Filing CASE # XXXX CASE # XXXX CASE # XXXX If XXXX can't locate it on my file. It means that these records are not mine and a result of FRAUD/ERROR and it needs to be remove on my credit report immediately, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-12-18 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: Professional Recovery Management
State: DC

Complaint narrative:
I was sent information saying that my credit information was linked. A " breach of credit information link '' on your account usually indicates that a data breach has occurred where your credit card details or other sensitive financial information may have been compromised. After carefully monitoring my credit I have a lot of suspicious activity. Accounts that dont belong to me and I want deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: LA

Complaint narrative:
I submitted a complaint months ago and the fraudulent account is still on my credit report ACCOUNT 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 2024-12-18 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: GA

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time. 

I demand the late payment reported to be removed/updated.

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 2024-12-18 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: TX

Complaint narrative:
Please read this complaint seriously and see the attached file. It's been such a long time that I have been trying to fix the errors being reported on my credit report, but to no avail. My requests to correct this incorrect information kept getting ignored and I had enough. This has affected all aspects of my life negatively ; it's taking a toll on my XXXX  XXXX  that I wouldn't even be able to afford help because of my low credit score due to these errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom it May Concern : I am requesting that the following items be immediately investigated. Please delete this misleading information to show my true credit history. According to the provisions of XXXX XXXX XXXX XXXX XXXXXXXX of the Credit Reporting Act of XXXX, XXXX demand that the following items be re-verified and deleted from my record Addresses phone number names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Employer XXXX XXXX XXXX XXXX XXXX PERSONAL STATEMENT ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX. THIS SECURITY ALERT WILL BE MAINTAINED FOR XXXX  YEAR BEGINNING XXXX. 
With the amount of identity theft going on, I am very fearful that someone could mistakenly identify me as someone else with this incorrect information on my credit report. 
Under federal law, you have XXXX  days from receipt of this letter to re-verify these entries. 
Sincerely, 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 2024-12-18 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to XXXX XXXX XXXX and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under XXXX XXXX. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : ACCOUNTS : XXXX. XXXX XXXX : Account number : XXXX XXXX. XXXX XXXX XXXX : Account number : XXXX XXXX. XXXX XXXX XXXX : Account number : XXXX As required by XXXX XXXX XXXXXXXX, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, 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 non-monetary relief
Consumer complaint received 2024-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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:
Data breach of personal information from credit reporting company

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 2024-12-18 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:
Data breach of personal information from credit reporting company

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