vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To : Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX Subject : Urgent Complaint Against Experian Inaccessible Credit Report and Request for Compensation Dear Consumer Financial Protection Bureau, I am writing to file an urgent and serious complaint against Experian, whose negligence and lack of support have caused significant harm to my financial and personal life. Despite repeated attempts to unfreeze my credit report, including submitting my government-issued ID and a formal letter, I have received no assistance or resolution. 

Currently, I can not log in to my Experian account, access my credit file, or unfreeze my report. I have exhausted every available option, including : Repeated attempts to reset credentials on their website Mailing required identification Attempting to reach Experian through multiple phone lines and online support channels Experian is completely unreachable. Their customer service phone numbers either loop endlessly or drop the call. Their website offers no human support. This level of inaccessibility from a major credit bureau is unacceptable and irresponsible, especially given that their systems were previously compromised in a high-profile data breach. 

Because of this unresolved issue, I am currently : Unable to apply for a mortgage or purchase a home Blocked from making essential financial decisions Experiencing emotional and financial distress due to this lack of access I am requesting the following : Immediate intervention by the CFPB to compel Experian to : Unfreeze my credit report or provide a secure, verified way to do so Restore access to my Experian account Formal investigation into Experians customer service failures, account recovery processes, and platform security Appropriate compensation for the financial harm, delay, and distress this issue has caused I urge the CFPB to hold Experian accountable for this severe lapse in consumer responsibility. I am willing to provide any additional documentation needed to support this complaint, including copies of my ID, sent correspondence, and call logs. 

Please treat this matter with urgency, as I can not proceed with essential aspects of my life until this is resolved. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
I am writing to formally dispute and bring to your attention a serious concern regarding a potential or confirmed data breach involving my personal information. It has come to my attention that my sensitive data may have been compromised because of inadequate data security measures on your part. Under federal and state consumer protection laws, including but not limited to the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act ( GLBA ), and applicable state data breach notification laws, companies are required to implement and maintain reasonable security procedures to protect consumers personal information and to promptly notify them in the event of a breach. I believe your company has failed to uphold these responsibilities, resulting in potential harm to my financial and personal privacy. If this breach has resulted in fraudulent activity on my credit file, financial accounts, or otherwise, I am requesting that you immediately : XXXX. Provide a detailed account of the data that was compromised ; XXXX. Disclose the date and method by which the breach occurred ; XXXX. Explain the steps your organization is taking to remediate the situation ; XXXX. Provide documentation of your compliance with data protection laws ; XXXX. Correct any errors on my credit file caused by this breach ; XXXX. Provide complimentary credit monitoring and identity theft protection services for a minimum of XXXX months. Please be advised that I am aware of my rights under the FCRA ( XXXX U.S.C. XXXX ), which allows me to dispute inaccurate or incomplete information on my credit report. You are required to investigate and respond to this dispute within XXXX days of receipt. Failure to do so may result in a complaint filed with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and/or my states Attorney General. Please respond to this dispute in writing within XXXX days. If you fail to respond or resolve this issue promptly, I reserve the right to pursue further legal action. Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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 writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Meade Recovery Services, LLC
State: UT

Complaint narrative:
On XX/XX/year> I was involved in an auto accident. XXXX XXXX XXXX performed XXXX on my nose. Since then I have been paying on what I owe him. I received a letter stating that he is retiring and he wants the full amount paid now. He then got Meade Recovery services involved. I live on a very tight budget, I can't afford to pay it all at once. I had a verbal agreement with his office about paying what I could. Now Meade Recovery services has tacked on another {$2000.00} on top of what I owe. He has also sued my husband for this bill. My husband has never been seen by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: CT

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXX XXXX XXXX XXXX Experian XXXX  XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Experian Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request XXXX request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your 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
Consumer complaint received 2025-07-25 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 concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 2025-07-25 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: PA

Complaint narrative:
PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : -Citizens Bank Account number : XXXX Date opened : XX/XX/XXXX -Citizens Bank XXXX Date opened : XX/XX/XXXX PLEASE REMOVE THESE FRAUDULENT INQUIRIES : -XXXX XXXX XXXX  XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX  XXXX  Inquired on XX/XX/XXXX XXXX UPDATE AND CORRECT THIS LATE PAYMENT ACCOUNTS REPORTING : XXXX XXXX  Dc Account number : XXXX -XXXX XXXX XXXX  XXXX Opened on XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Capital one is holding my money hostage because someone accidentally sent XXXX to my XXXX account that I dont know. I told capital one to just take that XXXX back and unfreeze my account. I was told by them that theyre ending the banking relationship and that any monies that are in good standing will be mailed to me in a check form but in an unlimited amount of time for them to investigate. Was told it can take one day or 5 years, it doesnt matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: NY

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$43000.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$67000.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$75000.00}

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 2025-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: DC

Complaint narrative:
I am filing this complaint against Fair Collections and Outsourcing ( FCO ) for reporting and attempting to collect on an unverified and inflated housing-related debt. 

The debt totals {$4000.00} and originates from move-out charges issued by XXXX XXXX. My rent during this period was paid in full through the XXXX  Emergency Rental Assistance Program. In addition, XXXX XXXX  withheld my {$1800.00} security deposit and failed to provide any valid itemized list or photo documentation to justify the charges. FCO sent only a generic summary. 

I was never properly notified about this debt before it was reported. I only discovered it when it appeared in a rental screening report and caused me to be denied housing. 

As of [ insert date ], I have formally mailed a Refusal to Pay letter to FCO. This debt is disputed, and no legal documentation has been provided to validate the balance. 

XXXX XXXX recently finalized a national class action settlement over these exact types of practices, inflated move-out charges, security deposit misuse, and unlawful collection activity. The settlement specifically outlined that certain debts would be forgiven or refunded. This collection effort appears to violate the terms of that agreement. I will also be contacting the class action settlement administrator, as this is causing continued harm and denial of housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XX/XX/year> Monthly credit reports and score is paid for with paid membership I have paid membership number Member ID XXXX Membership plan Experian Premium : $ XXXX They change it from monthly to 90 days and now charge XXXX dollar to get monthly even though I already paying or this service. 

============================ Skip to main content XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX chat Your account Manage your account info, settings and membership details. 
Your benefits Recurring privacy scans and help removing info Subscription Cancellation Bill Negotiator Daily Experian Credit Report and FICO Scores 3-Bureau Credit Monitoring & Alerts FICO Score Tracker FICO Score Planner Experian CreditLock with Alerts Dark Web Internet Surveillance Alerts Up to {$1.00} XXXX Identity Theft Insurance Dedicated Fraud Resolution Support Lost Wallet Assistance Social Security Number Trace Alerts Change of Address Alerts Court Records and Bookings Alerts Non-Credit Loans Alerts Sex Offender Registry Alerts Social Network Monitoring Alerts Identity Validation Alerts this is NOT what I paid for I paid for monthly reports and scores : Quarterly 3-Bureau Report and FICO Scores Services Overview Credit Overview Money Overview How Lenders See You Protection Credit Cards Loans Auto Insurance Tools Experian Boost Experian CreditLock Score Planner Score Simulator Security Freeze Support Help Center Get the free Experian app : Follow us : Contact Us 2025 Experian. All rights reserved. 
Experian and the Experian trademarks used herein are trademarks or registered trademarks of Experian Information Solutions , Inc., XXXX , Inc. or its affiliates. Other product or company names mentioned herein are the property of their respective owners. Licenses and Disclosures. 

================================ You have an active Experian Premium membership, which includes monthly reports. If you're not receiving them, it might be due to a technical issue. 

You can check your membership details and update your preferences here. If the issue persists, you might want to contact Experian customer support at XXXX for further assistance.

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 2025-07-25 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: VA

Complaint narrative:
I have no affiliation with these accounts and suspect them to be fraudulent. I request a comprehensive investigation and their immediate removal from my credit report. Enclosed are supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Subject : Incorrect DOFD Reporting and Failure to Properly Investigate Disputes Request for Removal of Obsolete Accounts Companies Involved : Equifax XXXX ( XXXX XXXX XXXX ) XXXX XXXX Details of the Complaint : I am filing this complaint regarding XXXX charge-off accounts currently being reported by Equifax and XXXX by XXXX XXXX XXXX and XXXX XXXX XXXX These accounts include : XXXX XXXX XXXX XXXX XXXX reported : XX/XX/XXXX XXXX XXXX XXXX XXXX reported : XX/XX/XXXX XXXX XXXX Services XXXX reported : XX/XX/XXXX These accounts are either currently eligible or nearing eligibility for early exclusion from my credit report, but Equifax continues to report them inaccurately and refuses to remove them. 

FCRA Violations : Incorrect DOFD Reporting : The Date of First Delinquency ( DOFD ) being reported by the furnishers appears to be based on the first time a XXXX late payment was reported, rather than the true DOFD, which the law defines as the first missed payment that was never again brought current ( FCRA XXXX ( c ) ). 
This discrepancy likely means the actual DOFDs are XXXX  days earlier than currently reported, which would make all three accounts fully obsolete and eligible for deletion. 

Failure to Properly Investigate : I have disputed these accounts with Equifax multiple times, but they continue to conduct only automated verifications rather than the detailed investigations required by the FCRA. They have not provided any payment history or supporting documentation from the furnishers, as they are required to do. 

Request for Relief : I am asking the CFPB to require : XXXX XXXX XXXX and XXXX XXXX to provide full and accurate payment history records for each of these accounts, including the date of last payment received, not just the date the account was first marked XXXX  days late. 

Equifax to conduct a proper reinvestigation and remove or update the accounts based on verified information and legal DOFD definitions. 

Based on even the reported DOFDs, I request immediate early exclusion under FCRA 605 ( a ) ( 4 ) as follows : XXXX XXXX XXXX XXXX XXXX now XXXX XXXX XXXX XXXX now XXXX XXXX Services Will be eligible XX/XX/XXXX Given the age of these accounts and lack of documentation provided, I respectfully request that all three accounts be removed within the XXXX XXXX response window. 

Thank you for your time and assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Despite previously notifying your agency that the listed hard inquiries are unauthorized and directly tied to identity theft, they are still being reported on my credit file. These include inquiries from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ). Reporting these inquiries without my authorization is a clear violation of the Fair Credit Reporting Act ( FCRA ). Under 15 USC 1681b ( a ) ( 3 ), there must be a valid permissible purpose to report hard inquiries, and I did not apply for credit with any of these entities. These inquiries were made without my knowledge or written consent, and I have already informed you they are linked to identity theft. Continuing to report them after being notified is a willful and negligent violation under 1681n and 1681o. I am demanding immediate deletion of these inquiries and written confirmation that they have been removed.

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