vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-23 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: MI

Complaint narrative:
I am disputing the following accounts and information. 
XXXX XXXX XXXX XXXX  acct # ******** balance {$690.00} XXXX CLOSED -XXXX XXXX XXXX XXXX XXXX XXXX CREDIT LINE XXXX BALANCE {$2100.00} XXXX CLOSED -XXXX XXXX XXXX XXXX ACCT # *********** {$3000.00} CREDIT LINE BALANCE {$3600.00} XXXX CLOSED -XXXX  XXXX XXXX  XXXX ACCT # *********** {$400.00} CREDIT LINE BALANCE {$590.00} XXXX CLOSED -XXXX XXXX XXXX XXXX ACCT # XXXX  {$4500.00} CREDIT LINE BALANCE {$5300.00} XXXX CLOSED -XXXX XXXX XXXX AACT # XXXX {$1000.00} CREDIT LINE BALANCE {$660.00} XXXX  CLOSED XXXX XXXX XXXX XXXX ACCT # XXXX  CREDIT LINE {$1000.00} BALANCE {$1400.00} XXXX CLOSED Also the under FCRA Section 623 ( 15 U.S.C. 1681s-2 ) - Responsibilities of Furnishers of Information- law was violated I have reported multiple times times of the fraud and error -I ALSO DISPUTING THIS COLLECTION ACT XXXX XXXX XXXX BALANCE {$420.00} ACCT # XXXX THIS ISNT MY ACCOUNT I AM ALSO DISPUTING ANY ADDRESS THATS LISTED ON MY MY CREDIT REPORT ONLY ADDRESS I STAYED AT IS XXXX XXXX XXXXXXXX XXXX XXXX MI  XXXX -ANY OTHER ADDRESSES SHOULD BE DELETED I am also disputing Names. THE ONLY NAME I HAVE IS XXXX XXXX XXXX THIS INFO WAS EXPOSED IN A BREACH SHOULD BE DELETED AND REMOVED FROM CREDIT REPORT IMMEDIATELY. ****

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 2025-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Subject : Dispute of Charged-Off Account and Missing 1099-C Form Dear Digital Fed Credit Union , I am writing to dispute the information reported regarding my account ( Auto loan & the credit card ), specifically the " charged off '' status that has been indicated. According to IRS guidelines, when a debt is charged off, the creditor is required to issue a Form 1099-C, Cancellation of Debt.

As of today, I have not received the 1099-C form for this account, and I believe this constitutes a failure on your part to meet IRS reporting requirements. I am requesting that you either : 1. Provide me with the 1099-C form for the canceled debt, or 2. Remove the charged-off status from my account entirely if no 1099-C is issued.

If this matter is not resolved promptly, I will have no choice but to contact the IRS and report this as potential fraud and noncompliance with federal tax laws. I expect to hear from you within 30 days to confirm either the issuance of the 1099-C or the removal of the charged-off notation. 
Please treat this matter with the urgency it deserves. 
Sincerely,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I was charged {$140.00} for a XXXX XXXX station on XX/XX/year>. But I never use the card to purchase that gas.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
This is a store card, XXXX XXXX. I was charged for an item which I did not receive, the company ( XXXX ) states the item was returned to them, it is in their possession and yet they refuse to process the return citing they are backed up with returns and it will happen on their time. It has now been over a month and I am still getting the same response. 

The creditor has been notified of the charge in relation to the goods which have not been received. XXXX XXXX refuses to complete the refund until they have time to manage the case. 

I am now required to make payments on an item I did not receive. The order # XXXX, the creditor is Comenity Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-23 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Federal Trade Commission XXXX XXXX XXXX, XXXX XXXX  XXXX DC XXXX Subject : Reporting Violations by Consumer Reporting Agencies for First Progress Account Dear CFPB and FTC, I am writing to formally address concerns regarding the inaccurate handling of my First Progress credit card account by the XXXX XXXX  Consumer Reporting Agencies : TransUnion, XXXX, and XXXX. Despite the account being in good standing, it has been deleted entirely from my credit reports without justification. This action constitutes a violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), which mandates the accurate and complete reporting of consumer credit information. 
Details of the account in question are as follows : Account Name : XXXX XXXX Account Type : Revolving Account Account Status : Closed XX/XX/XXXX Account Number : [ Your XXXX ] Monthly Payment : {$0.00} Credit Limit : {$200.00} High Credit : {$230.00} Last Reported XXXX Date Opened : [ XX/XX/XXXX ] Payment Status : Paid or paying as agreed Balance : {$0.00} I rely on the accuracy of my credit reports to reflect my financial behavior, and the deletion of this account has caused significant concerns. By removing the account entirely, the reporting agencies have failed to : Maintain accurate and complete information about my credit history. 
Ensure regular updates that reflect my good payment history and positive standing. 
I am requesting an immediate investigation into the removal of this account from my credit reports and urge the CFPB and FTC to enforce compliance with federal law. Please instruct the Consumer Reporting Agencies to reinstate this account and ensure it is reported accurately moving forward. 
I have enclosed copies of my credit reports and supporting documentation for your review. Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Federal Trade Commission XXXX XXXX XXXX, XXXX XXXX  XXXX DC XXXX Subject : Reporting Violations by Consumer Reporting Agencies for First Progress Account Dear CFPB and FTC, I am writing to formally address concerns regarding the inaccurate handling of my First Progress credit card account by the XXXX XXXX  Consumer Reporting Agencies : XXXX, Experian, and XXXX. Despite the account being in good standing, it has been deleted entirely from my credit reports without justification. This action constitutes a violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), which mandates the accurate and complete reporting of consumer credit information. 
Details of the account in question are as follows : Account Name : XXXX XXXX Account Type : Revolving Account Account Status : Closed XX/XX/XXXX Account Number : [ Your XXXX ] Monthly Payment : {$0.00} Credit Limit : {$200.00} High Credit : {$230.00} Last Reported XXXX Date Opened : [ XX/XX/XXXX ] Payment Status : Paid or paying as agreed Balance : {$0.00} XXXX rely on the accuracy of my credit reports to reflect my financial behavior, and the deletion of this account has caused significant concerns. By removing the account entirely, the reporting agencies have failed to : Maintain accurate and complete information about my credit history. 
Ensure regular updates that reflect my good payment history and positive standing. 
I am requesting an immediate investigation into the removal of this account from my credit reports and urge the CFPB and FTC to enforce compliance with federal law. Please instruct the Consumer Reporting Agencies to reinstate this account and ensure it is reported accurately moving forward. 
I have enclosed copies of my credit reports and supporting documentation for your review. Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: FL

Complaint narrative:
I made a purchase on Gemini for a crypto asset using my bank account as the payment source. I've done this for years. But this time the ACH transfer didn't go through because my bank account was temporarily on hold pending the confirmation of my address since we moved. Everything was fixed immediately with my bank but Gemini froze my account as they had the returned ACH from my bank. 

That made sense to me so I contacted support to unfreeze. I sent in several documents they requested and then I never heard from them again even after emailing many times. Account remains closed. Worst case they also liquidated some of my assets because of a negative balance, which I couldn't fix since they froze my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: SC

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute unauthorized and fraudulent information appearing on my credit report and to request an immediate investigation under the Fair Credit Reporting Act ( FCRA ). As a victim of identity theft and the XXXX breach, my personal information has been compromised, including XXXX critical findings tied to my identity within the breach. This account and/or inquiries were made without my knowledge or consent. Under the FCRA ( 605B ), I request these items be blocked from my credit report. Additionally, under 15 U.S. Code 1681c-1 ( protection of personally identifiable information ) and 15 U.S. Code 1681e ( b ) ( accuracy of information in consumer reports ), you are required to ensure the accuracy and privacy of the information you maintain.

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 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that reversing lost funds was impossible and tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
Notice of Subrogation and Substitution Re : Subrogation Rights, Account Substitution, and Reimbursement of Securities or XXXX Dear Bridgecrest Acceptance Corporation, This communication serves as formal notice that I am invoking my rights under the principle of equitable subrogation concerning the above-referenced account. Equitable subrogation provides a mechanism to assert rights and remedies that have arisen due to payment obligations, unjust enrichment, or other relevant legal or equitable grounds. 

**Purpose of This Notice : ** 1. **Claim to Subrogation and Reimbursement : ** As a party impacted by the transactions or charges associated with this account, I am exercising my rights to step into the shoes of the original creditor or other appropriate parties to ensure proper adjudication and resolution of claims. I also formally request reimbursement for any securities, chattels, or other collateral associated with this account. 

2. **Right to Substitution : ** I request acknowledgment that any rights, duties, and claims associated with this account are substituted to my control for enforcement against the appropriate party, as applicable by law. 

3. **Request for Ledger and Validation : ** Bridgecrest Acceptance Corporation must provide : - A comprehensive ledger detailing the accounting of securities, chattels, or other collateral bankrolling the transactions associated with this account. 
- Validation and full documentation of the debt claimed, including transaction history and specific references to any securities or chattels involved. 
- Proof of compliance with federal and state laws regarding debt transfer, collateral usage, and collection practices. 

4. **Fair Resolution Requested : ** To resolve this matter fairly, I propose the following : - Provide a complete and transparent validation of the debt, including a detailed ledger and accounting of all securities and chattels involved. 
- Cease all collection efforts until full validation has been provided. 
- Correct any inaccurate credit reporting and ensure no adverse actions are taken during the resolution process. 
- Reimburse any improperly assessed fees or amounts if the debt is found to be invalid or improperly handled. 
- Commit to clear and transparent communication regarding this account going forward. 

5. **Cease Communication : ** Bridgecrest Acceptance Corporation must cease any further communication attempts related to this account except as required to comply with this notice. 

**Next Steps : ** Please confirm receipt of this notice in writing within 15 business days of its date and provide the requested documentation and validation. Failure to comply with this notice may result in further legal or equitable actions to protect my interests. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: FL

Complaint narrative:
while I was reviewing my consumer reports, I noticed that some instances of late payment on my account which I have matained timely payment.consumer reporting agencies play a crutial role in accurately reporting consumer infomation.it is imperative that this information be reported with utmost accuracy.I have never missed a payment on the account { XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX } .The all three account number are { XXXX }, { XXXX }, { XXXX } .I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payment .If unable to provide such proof, I demand that these payments be promptly updated to reflect their true status as-on time, as I have consistenly upheld my payment obligations without delay.

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 2025-01-23 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: Freedom Mortgage Company
State: NY

Complaint narrative:
am writing to formally dispute inaccurate and fraudulent information on my credit report as a victim of identity theft. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and complete information on my credit report. I am requesting the removal or correction of the following erroneous accounts and inquiries, which I believe to be the result of fraudulent activity. 

As a victim of identity theft, I have reason to believe these accounts and/or inquiries are a direct result of unauthorized access to my personal information. This claim is further substantiated by the recent security breaches involving XXXX and XXXX, where millions of consumers sensitive data were exposed to potential identity theft. 



The Fair Credit Reporting Act ( 15 U.S.C. 1681i ) requires credit reporting agencies to investigate disputed information on my credit report within 30 days of receipt of this notice. In addition, under 1681c-2, I am requesting a block of all fraudulent information resulting from identity theft. I have attached a copy of my Identity Theft Report and other supporting documentation, including : 1. A copy of my government-issued ID. 

2. A copy of a utility bill to verify my address.

3. A copy of the Identity Theft Report filed with the Federal Trade Commission ( FTC ).

4. Police report confirming my identity theft claim.

In light of these breaches and my circumstances, I also request that the CFPB ensure XXXX and XXXX comply with their obligations under the FCRA to safeguard consumer information and rectify any errors arising from identity theft. 
Please investigate this matter thoroughly and provide a written response regarding your findings and actions. If the disputed items are not corrected or removed, I request a detailed explanation of the investigation process, as required by FCRA 1681i ( a ) ( 6 ).

Thank you for your immediate attention to this matter. I look forward to your 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 2025-01-23 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
am writing to formally dispute inaccurate and fraudulent information on my credit report as a victim of identity theft. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and complete information on my credit report. I am requesting the removal or correction of the following erroneous accounts and inquiries, which I believe to be the result of fraudulent activity. 

As a victim of identity theft, I have reason to believe these accounts and/or inquiries are a direct result of unauthorized access to my personal information. This claim is further substantiated by the recent security breaches involving XXXX and XXXX, where millions of consumers sensitive data were exposed to potential identity theft. 



The Fair Credit Reporting Act ( 15 U.S.C. 1681i ) requires credit reporting agencies to investigate disputed information on my credit report within 30 days of receipt of this notice. In addition, under 1681c-2, I am requesting a block of all fraudulent information resulting from identity theft. I have attached a copy of my Identity Theft Report and other supporting documentation, including : 1. A copy of my government-issued ID.

2. A copy of a utility bill to verify my address.

3. A copy of the Identity Theft Report filed with the Federal Trade Commission ( FTC ).

4. Police report confirming my identity theft claim.

In light of these breaches and my circumstances, I also request that the CFPB ensure XXXX and XXXX comply with their obligations under the FCRA to safeguard consumer information and rectify any errors arising from identity theft. 
Please investigate this matter thoroughly and provide a written response regarding your findings and actions. If the disputed items are not corrected or removed, I request a detailed explanation of the investigation process, as required by FCRA 1681i ( a ) ( 6 ). 

Thank you for your immediate attention to this matter. I look forward to your response.

Company response to consumer: Closed with explanation