vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-27 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: FREEDOM FINANCIAL NETWORK
State: TX

Complaint narrative:
I entered into a debt settlement agreement with Freedom Debt Relief to resolve my enrolled debts, which totaled {$35000.00}. However, I am filing this complaint because of the following issues : 1. Lack of Transparency in Fees : Freedom Debt Relief withheld a significant portion of my payments as fees without clearly explaining or itemizing these charges. I feel the allocation of funds was not transparent. 
2. Mismanagement of Funds : Despite my payments into the program, I did not see timely progress in reducing my debts. The settlement amounts and timelines seemed misaligned with what I was led to believe.

3. Negative Financial Impact : Freedom Debt Reliefs handling of my case caused my financial situation to worsen. My credit score was negatively impacted during the process. 

I request a full breakdown of all payments made into the program, including how much was applied toward debt settlements and how much was withheld as fees. I am seeking a resolution to ensure fair handling of funds and accountability for the discrepancies Ive experienced.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: TX

Complaint narrative:
Subject : Complaint Regarding Misreporting of Installment Loan as Revolving Credit by XXXX Dear CFPB, I am writing to formally file a complaint regarding an account misclassification on my credit reports with XXXX, XXXX, and TransUnion. The account in question is an installment loan for a water system provided by XXXX, which is incorrectly reported as revolving credit. This misreporting is artificially inflating my credit utilization ratio and negatively impacting my credit score. 

Despite multiple attempts to address this issue directly with XXXX, the creditor has refused to reclassify the account and insists that it should remain reported as revolving credit. I believe this misclassification is a clear violation of the Fair Credit Reporting Act ( FCRA ) for the following reasons : 1. FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : Credit reporting agencies are failing to ensure maximum accuracy by misclassifying an installment loan as revolving credit. 
2. FCRA Section 623 ( 15 U.S.C. 1681s-2 ) : XXXX has failed in its obligation to provide accurate information to credit reporting agencies.

In accordance with FCRA Section 611 ( 15 U.S.C. 1681i ), I am requesting that the credit reporting agencies correct this information within 30 days as required by law. Should this account remain inaccurate beyond this timeframe, I respectfully request that it be permanently removed from my credit reports due to its adverse and inaccurate impact on my credit standing. 

Additionally, I am aware of the CFPBs current legal actions against XXXX and XXXX for their failures to properly investigate consumer complaints, reinvestigate disputes, and ensure accuracy in credit reporting. This ongoing lawsuit reinforces the importance of addressing systemic issues within credit reporting practices. I urge the CFPB to thoroughly investigate this matter as part of its broader effort to hold credit reporting agencies and creditors accountable. 

I kindly request your assistance in ensuring the creditor and credit reporting agencies comply with their legal obligations under the FCRA. I look forward to your response and resolution of this issue. 

Thank you for your time and attention.

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 2025-01-27 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: TX

Complaint narrative:
Subject : Complaint Regarding Misreporting of Installment Loan as Revolving Credit by XXXX Dear CFPB, I am writing to formally file a complaint regarding an account misclassification on my credit reports with XXXX, Equifax, and XXXX. The account in question is an installment loan for a water system provided by XXXX, which is incorrectly reported as revolving credit. This misreporting is artificially inflating my credit utilization ratio and negatively impacting my credit score. 

Despite multiple attempts to address this issue directly with XXXX, the creditor has refused to reclassify the account and insists that it should remain reported as revolving credit. I believe this misclassification is a clear violation of the Fair Credit Reporting Act ( FCRA ) for the following reasons : 1. FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : Credit reporting agencies are failing to ensure maximum accuracy by misclassifying an installment loan as revolving credit.

2. FCRA Section 623 ( 15 U.S.C. 1681s-2 ) : XXXX has failed in its obligation to provide accurate information to credit reporting agencies.

In accordance with FCRA Section 611 ( 15 U.S.C. 1681i ), I am requesting that the credit reporting agencies correct this information within 30 days as required by law. Should this account remain inaccurate beyond this timeframe, I respectfully request that it be permanently removed from my credit reports due to its adverse and inaccurate impact on my credit standing. 

Additionally, I am aware of the CFPBs current legal actions against XXXX and Equifax for their failures to properly investigate consumer complaints, reinvestigate disputes, and ensure accuracy in credit reporting. This ongoing lawsuit reinforces the importance of addressing systemic issues within credit reporting practices. I urge the CFPB to thoroughly investigate this matter as part of its broader effort to hold credit reporting agencies and creditors accountable. 

I kindly request your assistance in ensuring the creditor and credit reporting agencies comply with their legal obligations under the FCRA. I look forward to your response and resolution of this issue. 

Thank you for your time and attention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: FC HoldCo LLC
State: CA

Complaint narrative:
I am sending correspondence to make a complaint against the adverse credit reporting from Flagship Credit Acceptance, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX and XXXX for account number XXXX opened on XX/XX/year>. Pursuant to the Consumer Credit Protection Act under TITLE VICONSUMER CREDIT REPORTING, Sec. 603. [ 15 U.S.C. 1681a ] The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. According to Sec. 604. [ 15 U.S.C. 1681b ] ( a ) of the Consumer credit protection actSubject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments or determining the appropriate level of such payments ; the paternity of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; the person has provided at least 10 days prior notice to the consumer whose report is requested, by certified or registered mail to the last known address of the consumer, that the report will be requested ; and the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. To an agency administering a State plan under section 654 of title 42 for use to set an initial or modified child support award.

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 2025-01-27 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: WA

Complaint narrative:
Used my information unlawfully. 
Restarted old accounts that should have been removed. 
Did not remove old creditors that are passed the deadline for removal.

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 2025-01-27 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 Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responded within 24 hours stating the accounts were accurate without providing any evidence of a thorough investigation. The accounts I disputed are listed below : 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 2025-01-27 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: NV

Complaint narrative:
UPON EXAMINING MY CREDIT REPORTS, I NOTICED THAT ALTHOUGH YOU HAVE NOT PROVIDED ANY EVIDENCE TO SUPPORT THE ACCURACY OF THE DEBT. YOU CLAIMED TO HAVE COMPLIED WITH ALL LEGAL AND REGULATORY REPORTING REQUIREMENTS, THUS YOU HAVE TO DELETE ALL NEGATIVE AND CRITICAL ACCOUNTS. 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, not later than 4 business days after the date of receipt by such agency.

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 2025-01-27 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: CT

Complaint narrative:
UPON EXAMINING MY CREDIT REPORTS, I NOTICED THAT ALTHOUGH YOU HAVE NOT PROVIDED ANY EVIDENCE TO SUPPORT THE ACCURACY OF THE DEBT. YOU CLAIMED TO HAVE COMPLIED WITH ALL LEGAL AND REGULATORY REPORTING REQUIREMENTS, THUS YOU HAVE TO DELETE ALL NEGATIVE AND CRITICAL ACCOUNTS. 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, not later than 4 business days after the date of receipt by such agency.

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 2025-01-27 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: CA

Complaint narrative:
I am filling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the fair credit reporting act. Which mandates a reasonable investigation of disputes. Furthermore, Equifax actions may also contravene the Consumer financial protection act, as highlighted in the CFPBs recent administrative proceeding against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provide consumers with the necessary proof of investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent andaddress fraud on their platform, leaving myaccount vulnerable and unprotected.

Furthermore, their dispute resolution procet was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: NJ

Complaint narrative:
Consumer Name : XXXX XXXX Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. 

This fraudulent, inaccurate, and false information consists of the following accounts : A personal credit card account opened at XX/XX/XXXXXXXX under account number XXXX, with a total fraudulent amount of {$5700.00}, discovered in XX/XX/XXXX. 
A personal loan account opened at XXXX XXXX XXXX under account number XXXX, with a total fraudulent amount of {$2900.00}, discovered in XX/XX/XXXX. 
A credit card account opened at XXXX XX/XX/XXXX under account number XXXX, with a total fraudulent amount of {$9800.00}, discovered in XX/XX/XXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question ( including XXXX OF XXXX, XXXX, and XXXX XXXX XXXX ) as well as a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items.

I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-01-27 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report, as provided under the Fair Credit Reporting Act ( FCRA ). After reviewing my credit report, I identified errors that do not align with my financial history. These inaccuracies have caused undue harm to my creditworthiness, and I believe they stem from negligent noncompliance with your duties under the FCRA. 

Specifically, collection agencies LVNV Funding LLC, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX are inaccurate for the following reasons : he debt does not belong to me or has been paid in full also missing documentation from the furnisher of the information, incomplete investigation, etc. 
Pursuant to 5 U.S. Code 1681o, you are liable for damages caused by negligent noncompliance if the errors in my credit report result from your failure to take reasonable steps to ensure the accuracy of the information provided. I believe this applies to my case because no information has been furnished to me proving the accuracy of reporting follwing request.

To resolve this matter, I am requesting the following : That you conduct a full investigation into the disputed items, as required under the FCRA. 
That you correct or remove the inaccurate information from my credit report. 
That you provide me with a written confirmation of the results of your investigation and any corrections made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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 am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional 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 2025-01-27 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 am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional 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 explanation
Consumer complaint received 2025-01-27 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: MI

Complaint narrative:
am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXX 's failure to conduct proper investigations. Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 
As per 15 U.S.C. 1681 ( a ) ( 1 ) ( A ), XXXX is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 
Thereby request that XXXX : 1. Conduct a thorough reinvestigation of the following disputed accounts or items [ list the specific accounts or items you are disputingl.

2. Provide me with all documentation 3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law.

Given the recent CFPB findings, I expect XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 
If XXXX fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 
Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file.

Company response to consumer: Closed with explanation