vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-10 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: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof.

I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute.

I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: IL

Complaint narrative:
Due to the ongoing government shutdown, I attempted to submit my identity theft report through the Federal Trade Commission ( FTC ), but the system was down and prevented me from doing so. This has severely delayed my ability to properly report the fraudulent activity on my credit report. As a result, I am submitting this complaint directly and urgently. I am formally demanding the immediate removal of all fraudulent items from my credit file.As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents.Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning, delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-11-10 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: GA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-11-10 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:
In accordance with the fair credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 US C XXXX. 
XXXX I looked at my experience credible report on XXXX XXXX2025 and noticed some things in complete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable proceedings to short max possible accuracy of the information concerning the individual about whom the report relates according to 15 USC XXXX ( XXXX ) ( b ). And According to 15 USC XXXX they are supposed to do this ( XXXX ) Treatment of inaccurate or unverifiable information * in generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( XX/XX/XXXX ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( XX/XX/XXXX) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC XXXX they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-11-10 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: TX

Complaint narrative:
I am filing a complaint regarding inaccurate and unverifiable information appearing on my Equifax credit report. Despite previous disputes, these accounts and inquiries continue to report incorrectly. I am requesting a full reinvestigation under the Fair Credit Reporting Act ( FCRA ) and the permanent removal or correction of any items that can not be fully verified as accurate and belonging to me. 

Accounts in Dispute Charged Off : XXXX XXXX, Account XX/XX/XXXXXXXX, Date : XX/XX/XXXX, Amount : {$1100.00} This account is reporting as charged off. I have not received verifiable documentation from the furnisher to confirm ownership, date of last activity, or accurate balance. 

Unauthorized/Unverified Inquiries : XX/XX/XXXX Date : XX/XX/XXXX I did not authorize this inquiry. Please remove it as it may be negatively affecting my score. 

Late Payment Reporting Errors : XXXX XXXX, Account XX/XX/XXXX, Accounts XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FULTON FINANCIAL CORPORATION
State: DE

Complaint narrative:
Fulton Bank wrongfully charged overdraft and service fees totaling {$150.00} to my Small Business Checking account (XX/XX/XXXX XXXX ) after a fraudulent charge from XXXX drove the account negative. Despite disputing the XXXX charge and contacting Fulton Bank multiple times, the bank has refused to reverse the fees or provide meaningful support. 

XX/XX/year>2025, XXXX fraudulently charged my business account, which triggered XXXX {$39.00} overdraft fees and XXXX {$6.00} service fees from Fulton Bank. I immediately disputed the XXXX transaction and notified Fulton Bank that the charges were fraudulent and not authorized. Despite this, Fulton Bank has continued to hold me responsible for fees that were caused by fraud. 

I contacted Fulton Banks customer service to resolve the issue, but their response was dismissive and unhelpful. They failed to investigate the matter properly or offer any resolution. These fees are unjust and violate basic consumer protections, especially given that the triggering transaction was fraudulent and under dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-10 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:
Creditor Name : XXXX XXXX  Account Number : XXXX Date of late payment : XX/XX/year> Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this late payment misrepresents my payment history and negatively impacts my XXXX XXXX. 
Furthermore, the statute of limitations for reporting a late payment is XXXX years from the date of the initial delinquency ( 15 U.S.C. 1681c ( a ) ( 4 ) ). 
Repeatedly reporting this late payment as a new event each month does not reflect the statute of limitations and is therefore improper. 
I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the late payment from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: SC

Complaint narrative:
Creditor Name : XXXX XXXX  Account Number : XXXX Date of late payment : XX/XX/year> Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this late payment misrepresents my payment history and negatively impacts my XXXX XXXX. 
Furthermore, the statute of limitations for reporting a late payment is XXXX years from the date of the initial delinquency ( 15 U.S.C. 1681c ( a ) ( 4 ) ). 
Repeatedly reporting this late payment as a new event each month does not reflect the statute of limitations and is therefore improper. 
I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the late payment from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matter.

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 2025-11-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MOHELA
State: TX

Complaint narrative:
In XXXX, I received a letter from MOHELA confirming my student loan account was paid in full. I had been on auto pay, and the same amount was withdrawn consistently every month. I never changed my bank account information, and payments were made on time with no interruptions. 

In XXXX, despite the account being paid and in good standing, MOHELA began reporting the loan as late and delinquent for several months ( approximately XXXX XXXX ). This inaccurate reporting caused my credit score to drop by over XXXX points. 

After discovering the issue, I immediately contacted MOHELA. Their representative acknowledged my history of consistent auto payments and even asked if I had changed bank informationwhich I had not. They could see no valid reason for the reported delinquencies. 

Between XX/XX/XXXX and XX/XX/XXXX, I filed disputes withXX/XX/XXXX and XX/XX/XXXX, all of which came back confirming the reporting was inaccurate. I was told MOHELA had corrected the issue and that the account would reflect paid as agreed or paid in full. 

However, as of XX/XX/XXXX, the same inaccurate trade line and derogatory marks remain on my credit report. I have repeatedly followed up with MOHELA, but the information has not been corrected.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-10 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: MO

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. CXX/XX/XXXXe XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. CXX/XX/XXXXe XXXXe ) for deceptive and misleading reporting.

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 2025-11-10 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:
I am filing this complaint because my TransUnion credit report contains several entries that are inaccurate, incomplete, or unverifiable, as well as inquiries that I do not recognize or believe were made without my consent. 
These errors are negatively impacting my credit score and overall financial standing. 

I have exercised my right to dispute this information with TransUnion directly, but I have not received proof of verification or proper documentation showing that the data furnishers have validated these accounts. 
Under FCRA XXXX and XXXX, TransUnion must ensure that all items reported are accurate, complete, and authorized. 

Accounts Reported as Charged Off XX/XX/XXXXXXXX Acct : XXXXXX/XX/XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX Bank Acct : XXXXXX/XX/XXXXDate : XX/XX/XXXX Balance : {$0.00} XXXX XX/XX/XXXXAcct : XXXXXX/XX/XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX Bank Acct : XXXXXX/XX/XXXX Date : XX/XX/XXXX Balance : {$800.00} XXXX XXXX XXXX XXXX Bank Acct : XXXXXX/XX/XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Acct : XXXXXX/XX/XXXXDate : XX/XX/XXXX Balance : {$630.00} XXXX XXXX Acct : XXXXXX/XX/XXXX Date : XX/XX/XXXX Balance : {$0.00} Late Payment Notations : XXXXXX/XX/XXXXAcct : XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX Acct : XXXXXX/XX/XXXX Recent Inquiries ( potentially unauthorized ) : XXXX XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2025-11-10 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, XXXX XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ 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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
Request for Enforcement Action Inaccurate, Unverified Credit Reporting & Improper Reinvestigation I am filing this complaint because several furnishers and Experian continue to report inaccurate and unverifiable information on my consumer report, despite prior disputes. The accounts listed below have been updated or verified without any supporting documentation proving accuracy, which violates FCRA XXXX and XXXX ( a ) ( XXXX ) ( D ). 

These accounts include : XXXX XXXX BANK XXXX XXXX XXXXXX/XX/XXXX XXXX ) Failure to Conduct a Reasonable Reinvestigation I disputed these accounts with Experian. 
The results were returned as updated/verified, yet no documentation from the furnishers was provided to support the continued reporting. 
This constitutes a violation of FCRA XXXX ( a ) ( XXXX ) ( A ) because the reinvestigation was not meaningful. 

XXXX ) Reporting Inaccurate & Conflicting Information These accounts contain clear and measurable inaccuracies, including : Conflicting and duplicated month-to-month payment history reporting Balance increases after account closure Posting of late payments in months where no data/payment activity exists Settlement accounts still showing active delinquency history Changing delinquency dates without explanation Payment history that does not match the balance history This violates FCRA XXXX ( a ) ( XXXX ) ( A ) Accuracy Obligations, which requires furnishers to report data that is complete and correct. 

XXXX ) No Validation Documentation Provided The furnishers and bureaus did not provide : Signed application/contract Payment ledger Itemized accounting System transaction notes Mailed delinquency notices Statements validating claimed late payments If information can not be substantiated, it must be corrected or removed under FCRA XXXX XXXX a ) ( XXXX ) ( D ). 

XXXX ) Harm Caused These inaccurate and unverified derogatory marks have caused significant harm through : Depressed credit scores Credit denial Higher insurance premiums Increased cost of credit This constitutes ongoing consumer injury due to willful 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 2025-11-10 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: PA

Complaint narrative:
I am requesting that Equifax conduct a thorough reinvestigation under the Fair Credit Reporting Act ( FCRA ) XXXX to verify the accuracy and validity of each disputed account and inquiry. Any account or inquiry that can not be fully verified as accurate should be corrected or deleted from my credit report. 

Charged-Off Accounts in Dispute : XX/XX/XXXX of XX/XX/XXXXAcctXX/XX/XXXXXXXX | Reported : XX/XX/XXXX | Balance : {$4100.00} XXXX AcctXX/XX/XXXXXXXX | Reported : XX/XX/XXXX | Balance : {$2100.00} XX/XX/XXXXXXXX Acct XX/XX/XXXXXXXX | Reported : XX/XX/XXXX | Balance : {$2800.00} XX/XX/XXXX Acct XX/XX/XXXXXXXX | Reported : XX/XX/XXXX | Balance : {$2100.00} Inquiry in Dispute : XXXX XX/XX/XXXX This inquiry appears without my authorization. Please confirm permissible purpose or remove if not valid. 

Late Payment in Dispute : XXXX XXXX Acct XX/XX/XXXXXXXX Reported late payment appears inaccurate ; I request verification and correction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: NY

Complaint narrative:
I am writing to formally dispute certain items listed on my credit report that I believe to be inaccurate or incorrect. The following accounts and inquiries are in dispute, and I request your assistance in reviewing and resolving these issues. 
Charged-Off Accounts : XX/XX/XXXX Account Number : XXXXXX/XX/XXXXDate Opened : XX/XX/XXXX Balance : {$1200.00}XX/XX/XXXX Account Number : XXXXXX/XX/XXXX Date Opened : XX/XX/XXXX Balance : {$2600.00} XX/XX/XXXX Account Number : XXXX XX/XX/XXXXDate Opened : XX/XX/XXXX Balance : {$7300.00} XX/XX/XXXX Account Number : XXXXXX/XX/XXXXDate Opened : XX/XX/XXXX Balance : {$0.00} XX/XX/XXXX Account Number : XXXXXX/XX/XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} XXXX XXXX Account Number : XXXXXX/XX/XXXXDate Opened : XX/XX/XXXX Balance : {$2300.00} XX/XX/XXXX Account Number : XXXXXX/XX/XXXX Date Opened : XX/XX/XXXX Balance : {$140.00} XXXX XX/XX/XXXXAccount Number : XXXXXX/XX/XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} XX/XX/XXXX Account Number : XXXXXX/XX/XXXXDate Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XX/XX/XXXX Date Opened : XX/XX/XXXX Late Payments : XXXXXX/XX/XXXX Account Number : XXXX XXXXXX/XX/XXXX Account Number : XXXXXX/XX/XXXXXX/XX/XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Omnipoint Capital
State: WA

Complaint narrative:
Omnipoint is trying to collect a debt that I have no knolwedge of without being licensed to collect a debt in the state of Washington. They have called employer and written multiple emails to my personal email.

Company response to consumer: Closed with explanation