vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am filing a complaint against my loan servicer, 1666B, for inaccurately reporting multiple late payments on my credit report.

I was repeatedly told by loan officers at 1666B that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent.

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with 1666B, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

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 2025-08-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Eastern Account Systems of Connecticut, Inc.
State: CA

Complaint narrative:
Re : Claims XXXX and XXXX Eastern Accounts claims to have sent me proof of a debt on XX/XX/year>. I received no contact from them on the XXXX of any kind, much less a written proof of a debt. Upon raising this false statement by Eastern to CFPB in XXXX, it came to light that Eastern had erroneously sent financial statements of my accounts to an unknown third party at a similar but different email address which is not owned/managed/monitored by me and belongs to a party unknown by me. This constitutes a violation of the FDCPA and California 's Rosenthal Act and through this action Eastern has failed to protect my PII and distributed it to unauthorized third parties.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: GA

Complaint narrative:
I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. 
Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Additionally, I request the removal of all unauthorized inquiries related to this identity theft : Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities.

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 2025-08-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
In late XXXX, I became the full-time caregiver for my grandmother ( XXXX  XXXX and XXXX XXXX ), my grandfather ( progressing XXXX ), and my father ( rare XXXX  XXXX ). My father passed away on XX/XX/XXXX, followed by my grandmother on XX/XX/XXXX, and later my grandfather on XX/XX/XXXX. During this period, my mothers health also declined, and I was forced to prioritize her care over my own. These events left me briefly homeless and financially destabilized despite a prior credit score above XXXX. 

While earning only {$20000.00} in XXXX ( XXXX attached ), I consistently made minimum payments to Capital One throughout XXXX and XXXX, often sacrificing food and personal care to stay current. However, these payments only went toward interest and never reduced the principal balance. By XX/XX/XXXX, I was forced to stop in order to afford rent, utilities, and food. 

I repeatedly contacted Capital One seeking relief. The company refused settlement options, required payment of the full inflated balance for hardship programs, and only issued a one-time {$50.00} credit and only after CFPB pressure XXXX They also sent me the same demand letter over XXXX times and repeated automated messages instead of offering any real solution. This demonstrates harassment and failure to review my circumstances in good faith. 

Their continued reporting of delinquency has resulted in XXXX housing denials ( XXXX and XXXX ). I remain at risk of homelessness if nothing is done. My supporting documents include my W-2, housing denials, obituaries, payment history, Capital Ones {$50.00} letter, and the repeated demand letters. 

This complaint is not an attempt to use the system, but a plea for relief. Capital Ones actions appear to violate the Fair Credit Reporting Act, CARD Act, and consumer protection laws prohibiting unfair or abusive practices. I am asking for removal of negative credit reporting and recognition of my circumstances as extraordinary hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: IL

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, tha
t such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a
consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit c
ard account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 explanation
Consumer complaint received 2025-08-20 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: Palmar, Inc.
State: FL

Complaint narrative:
I became aware of a collection account on my credit report that I believe is inaccurate and improperly reported. Upon discovery, I promptly initiated multiple disputes with the collection agency and credit bureaus to request validation of the debt. Despite these repeated efforts, the collection agency has failed to provide the legally required documentation, such as a detailed account statement, proof of debt ownership, or evidence that the debt is valid and mine. 
Instead of a proper response, I have received vague, non-responsive communications that do not address the issues I raised. The account continues to be listed on my credit report with inaccurate balances, dates, and status information, which is misleading and inconsistent with XXXX XXXX compliance standards. 
This failure to substantiate the debt and correct the reporting after multiple dispute attempts violates my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and other relevant federal statutes. The continued presence of this unverified collection is adversely affecting my creditworthiness and financial wellbeing.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-20 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: VA

Complaint narrative:
I have contacted all 3 bureaus many times, challenging incorrect and outdated information on my reports. Since XXXX, I have sent 3 letters to them, the FTC, and the CFPB, and nothing has been done. TransUnion sent me an online summary stating that they had completed the investigation, but when I printed a new report recently, all the information was the same. Equifax and Experian sent letters to my virtual mailbox saying an investigation has begun and will take 30 days. It has been over 2 months and nothing has been reported or changed. I have notified them that they need to remove my virtual XXXX XXXX from my report. I use this address for safety reasons to keep my husband from finding us ( he went to jail for stalking me ). Besides that, I can not live at a XXXX XXXXXXXX, so why is it listed as a residence? All XXXX bureaus are now reporting an {$8000.00} collection account that belongs to my estranged husband. They say it is new, opened on XX/XX/XXXX and reported XX/XX/XXXX. This is an old debt belonging to him, the only person on the lease. XXXX XXXX left the property in XXXX, and XXXX XXXX took over, and I left the property XX/XX/XXXX under a conciliation agreement ( discrimination investigation ). In that HUD agreement, they consented ( and signed ) not to come after me in any manner for debts belonging to my husband. Both companies reported the debt, and the XXXX bureaus listed it without verifying. I sent a request for them to send me verified info. and I have received nothing. The error is still on my report and has dropped my score by XXXX points. This is making it difficult for me to find a home for my son and me, who had to leave our home under very stressful circumstances. It is also affecting my ability to gain employment with this report. I have written to everyone over and over, and I am now seeking legal advice for a civil or class action suit. I am also suing XXXX XXXX and XXXX XXXX for listing this information and damaging my credit file further. I am contacting everyone I can think of at this point, and I will not stop until action is taken to remedy their errors and correct my credit files monitored by these agencies.

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 2025-08-20 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: VA

Complaint narrative:
I have contacted all 3 bureaus many times, challenging incorrect and outdated information on my reports. Since XXXX, I have sent 3 letters to them, the FTC, and the CFPB, and nothing has been done. TransUnion sent me an online summary stating that they had completed the investigation, but when I printed a new report recently, all the information was the same. Equifax and Experian sent letters to my virtual mailbox saying an investigation has begun and will take 30 days. It has been over 2 months and nothing has been reported or changed. I have notified them that they need to remove my virtual XXXX XXXX from my report. I use this address for safety reasons to keep my husband from finding us ( he went to jail for stalking me ). Besides that, I can not live at a XXXX XXXXXXXX, so why is it listed as a residence? All XXXX bureaus are now reporting an {$8000.00} collection account that belongs to my estranged husband. They say it is new, opened on XX/XX/XXXX and reported XX/XX/XXXX. This is an old debt belonging to him, the only person on the lease. XXXX XXXX left the property in XXXX, and XXXX XXXX took over, and I left the property XX/XX/XXXX under a conciliation agreement ( discrimination investigation ). In that HUD agreement, they consented ( and signed ) not to come after me in any manner for debts belonging to my husband. Both companies reported the debt, and the XXXX bureaus listed it without verifying. I sent a request for them to send me verified info. and I have received nothing. The error is still on my report and has dropped my score by XXXX points. This is making it difficult for me to find a home for my son and me, who had to leave our home under very stressful circumstances. It is also affecting my ability to gain employment with this report. I have written to everyone over and over, and I am now seeking legal advice for a civil or class action suit. I am also suing XXXX XXXX and XXXX XXXX for listing this information and damaging my credit file further. I am contacting everyone I can think of at this point, and I will not stop until action is taken to remedy their errors and correct my credit files monitored by these agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: GA

Complaint narrative:
I am a victim of identity theft and i would like the accounts associated removed from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: GA

Complaint narrative:
I am a victim of identity theft and i would like the accounts associated removed from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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: NC

Complaint narrative:
Hello, my name is XXXX XXXX, and I am submitting this complaint/dispute without error or any influence from any third-party agency. Please see the following attached documentation below and meet my requests as soon as possible. Thank you for your timely compliance!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: NC

Complaint narrative:
Hello, my name is XXXX XXXX, and I am submitting this complaint/dispute without error or any influence from any third-party agency. Please see the following attached documentation below and meet my requests as soon as possible. Thank you for your timely compliance!

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 2025-08-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NEW YORK COMMUNITY BANCORP INC
State: OR

Complaint narrative:
I made a withdrawal on XX/XX/year> ( External transfer ) from XXXX XXXX to another banking institution ( XXXX ) for {$40000.00}. The bank made an error and attempted to deposit the {$40000.00} from the other bank. It obviously failed to to lack of funds. I called XXXX XXXX and they told me not to worry because it would see that there is not enough money and that would be it. So I made another {$40000.00} withdrawal from XXXX to XXXX WHILE I was on the phone with XXXX customer service to ensure everything went correctly. To my dismay, XXXX  XXXX  attempted to withdraw the {$40000.00} a second time from XXXX. Again, not enough money in the XXXX account. 

I called XXXX customer service again asking them why they withdrew the money XXXX times when during the previous conversation they stated that would not happen. So, to make matters considerably worse, XXXX  XXXX  decided to put a Fraud Alert on my account and freeze all assets. However, XXXX did not notify me that they placed a fraud alert on my account and how that would affect my transfers, etc. They did email me on XX/XX/XXXX that they could not deposit the {$40000.00} into my XXXX account but gave no explanation as to why ( because, as I found out on XX/XX/XXXX they put the Fraud alert on my account ). 

Finally, on XX/XX/year>, I called XXXX Customer Service again asking why I have not received my money. That is when ( as a wrote above paragraph ) I found out about the fraud alert. After a number of hours on the phone with XXXX, they removed the fraud alert and placed the original {$40000.00} back into my XXXX account. Now I can make ANOTHER withdrawal and wait another XXXX days to get the money I asked for almost to days ago.

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 2025-08-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: AL

Complaint narrative:
XX/XX/year> my Coinbase account was closed during their big breach. They won't give me a reason why my account is closed and will not let me withdraw my funds ( which they said they can not legally hold. It has been months and nothing has changed. {$1100.00} is being held from me.

Company response to consumer: Closed with explanation