vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Dear CFPB Representative, I am writing to formally dispute negative credit activity reported by Experian on my credit report. I recently reviewed my credit report and identified inaccurate and/or unfairly reported information that is negatively impacting my credit score.

According to the Fair Credit Reporting Act ( FCRA ), all information on my credit report must be accurate, complete, and verifiable. I believe this negative activity is either incorrect, outdated, or unfairly reported. I have attempted to resolve this matter directly with Experian but have not received a satisfactory resolution. 

I kindly request that the CFPB investigate this matter and take the necessary steps to ensure Experian corrects or removes the disputed information. Enclosed are copies of relevant supporting documents, including my correspondence with Experian and any proof that supports my claim. 

I appreciate your time and assistance in addressing this issue. Please keep me informed of any updates regarding my complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: DE

Complaint narrative:
My personal information was exposed in a data breach. Giving someone access and opportunity for identity theft. Per the FRCA 606b 15 USC 1681c2 the following accounts need to be blocked and deleted. This is fraudulent, inaccurate and false information listed on my Experian profile consist of the following accounts. 
XXXX {$6300.00} ; XXXX XXXX {$5500.00} ; XXXX XXXX {$1400.00} XXXX XXXX {$780.00} As well as inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I do not recognize the aforementioned accounts, collections or inquiries and were not opened by me. These are a result of identity theft from a data breach.

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 2025-02-09 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: RI

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

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 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX, has violated my rights. 

I looked at my Equifax credit report on XXXX and according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: WI

Complaint narrative:
Letter requesting debt validation and verification that debt is owed by me, no response received over 30+ days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Debt was paid in full but I didnt not get the pay and delete letter as agreed.

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 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 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: IL

Complaint narrative:
My personal and financial information was compromised without my authorization. 

The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. 

Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full.

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 2025-02-09 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:
My personal and financial information was compromised without my authorization.

The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.

Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full.

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 2025-02-09 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:
My personal and financial information was compromised without my authorization.

The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.

Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
I am filing a complaint against cash app ( block, inc. ) Due to inadequate customer service and unfair practices which violates the cfpa.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I have asked XXXX, XXXX and XXXX to remove a collection from Portfolio Recovery as Portfolio did not respond to my request o verify the purchase of the debt. 

This is what was sent to Portfolio by certified mail. they did not respond " Hello, Please provide a signed copy of the purchase agreement between you and XXXXXXXX XXXX showing the amount you paid for the debt, all terms and conditions and the statement from XXXX guaranteeing the accuracy of any documents provided to you. 
I asked you to cease all communications but am preparing for a lawsuit against XXXX as I have multiple debt collectors trying to collect the same debt. 
Please let me know in writing if you do not intend to provide the requested document. After that our business will be concluded and there will be no further contact or action by you. 
If you do not intend to provide the document or are unable to them, please remove the collection from all credit reports. 

Please do send me copies of statements or a generic le er that says they sold it to you. PRA is aware of exactly what I am asking for. '' XXXX, XXXX and XXXX were provided a copy of this letter. XXXX has responded that they verified the information but did not provide the requested copies of how they verified it. 

My understand off FCRA is that if Portfolio can not provide the requested information they must remove the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have asked Experian, XXXX and XXXX to remove a collection from XXXX XXXX as XXXX did not respond to my request o verify the purchase of the debt. 

This is what was sent to XXXX by certified mail. they did not respond " Hello, Please provide a signed copy of the purchase agreement between you and XXXX XXXX  showing the amount you paid for the debt, all terms and conditions and the statement from XXXX guaranteeing the accuracy of any documents provided to you. 
I asked you to cease all communications but am preparing for a lawsuit against XXXX as I have multiple debt collectors trying to collect the same debt. 
Please let me know in writing if you do not intend to provide the requested document. After that our business will be concluded and there will be no further contact or action by you. 
If you do not intend to provide the document or are unable to them, please remove the collection from all credit reports. 

Please do send me copies of statements or a generic XXXX XXXX that says they sold it to you. XXXX is aware of exactly what I am asking for. '' Experian, TransunioXXXX and XXXX were provided a copy of this letter. XXXX has responded that they verified the information but did not provide the requested copies of how they verified it. 

My understand off FCRA is that if XXXX can not provide the requested information they must remove the information.

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 2025-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
Complaint Summary : I am filing a complaint against PayPal , Inc. regarding the unauthorized access and fraudulent transactions made on my PayPal account. Despite providing all necessary documentation and reporting the issue to PayPal, my account remains limited, and my funds have not been refunded, causing significant financial and medical hardship. 

Details of the Issue : - Account Information : - PayPal Account Email : XXXX - linked phone number : XXXX - Date of Incident : XX/XX/year> - Unauthorized Transactions : [ XX/XX/year> ] - Nature of the Issue : - My PayPal account was hacked, and unauthorized transactions were made. 
- The fraud was reported to PayPal immediately, and the fraudulent activities were documented with PayPals support team. 
- Despite providing the necessary documentation to verify the unauthorized transactions, PayPal has not restored my account or refunded my balance of {$850.00} which was fraudulently transferred. 

- Correspondence with PayPal : - I contacted PayPal 's customer support multiple times, including through their chat service and phone support. However, my case has not been resolved, and I have not received the funds that were taken without authorization. 
- PayPal has stated that the case was " denied '' due to alleged inconsistencies on my account. However, PayPal has not provided any clear explanation or evidence supporting this claim.

- PayPal has also refused to release the funds, even though I am facing an XXXX XXXX XXXX and the funds are needed to XXXX XXXX XXXX for a family member. 

Impact of the Issue : - I am currently dealing with a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt. The loss of these funds has left me unable to pay for XXXX XXXX XXXX, further compounding the stress and hardship caused by this situation. 

Requested Resolution : - Refund the full amount of {$850.00} that was fraudulently transferred from my PayPal account.

- Lift the account limitation imposed on my PayPal account, which is preventing me from using my funds. 
- Take immediate action to investigate the unauthorized access thoroughly and provide a clear explanation as to why the case was denied. 

Additional Information : - I have attached any relevant documentation supporting my claim, including proof of fraudulent transactions, communication with PayPal support, and medical emergency details. 

XXXX XXXX : - Name : [ XXXX XXXX ] - Address : [ XXXX cedar XXXX XXXX ] - Email : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: MI

Complaint narrative:
I XXXX XXXX, am a victim of Identity theft, request removal and deletion of the listed fraudulent accounts on my transunion, experian, and equifax credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: MI

Complaint narrative:
I XXXX XXXX, am a victim of Identity theft, request removal and deletion of the listed fraudulent accounts on my transunion, experian, and equifax credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-09 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: PA

Complaint narrative:
I'm a victim of a sham investigation from Transunion credit reporting agency. They have not done a real investigation, but rather only relied upon the response from the creditor and basting. Their investigation solely on a fault. E oscar system that is not accurate please delete all items that's listed in my documents immediately. Please see documents in attachments this dispute was not made in error.

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 2025-02-09 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: FL

Complaint narrative:
MY INFORMATION WAS EXPOSED IN THE DATA BREACH AND YOU HAVE TO REMOVE THESE INFORMATION DON'T TURN MY DISPUTE INTO A THIRD DAY DISPUTE UNDER SECTION 605B THESE ACCOUNTS SHOULD BE REMOVED WITHIN 4 DAYS

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: CA

Complaint narrative:
I requested a thorough investigation into the reporting on my credit report being in accurate due to the XXXX data breach. I have yet to have my complaint response.

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 2025-02-09 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: CA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair credit Reporting Act ( FCRA ) ,15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the consumer financial protection Acy ( CFPA ) 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the XXXX 's recent administrative proceeding ( file No. XXXX XXXX ) against them for similar violations. Request that CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-02-09 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: CA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair credit Reporting Act ( FCRA ) ,15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the consumer financial protection Acy ( CFPA ) 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the XXXX 's recent administrative proceeding ( file No. XXXX XXXX ) against them for similar violations. Request that CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

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