vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-29 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: FL

Complaint narrative:
I hereby address my complain t directly to all pertinent credit reporting agencies, Experian, Equifax, and Trans Union respectively. Any financial institution or collection agency, including debt buyers must have a subscriber agreement with all agencies. They must as part of that agreement abide by the regulations in place through the Fair Credit Reporting Act, Fair Debt Collection Practices Act and the Fair and Accurate Credit Transactions Act. XXXX XXXX  was given all documentation pertaining to XXXX identity theft accounts that was procured in XXXX by my former husband. These accounts still show a {$9700.00} and {$8500.00} balances, even though both were defaulted in XXXX. However, I submitted the proper documentation to offset this account and have it removed permanently as my rights under the XXXX federal laws in place. Accordingly, XXXX XXXX  has violated their subscriber agreement with each credit bureau and should be fined and/or sanctioned by the Consumer Financial Protection Bureau , and their subscriber agreement should be rescinded. 

XXXX XXXX  submitted two 1099C reports filed with the Internal Revenue Service recently as a vindictive response. This action is deplorable and must be reversed. XXXX XXXX  does not get a pass on following the rules. XXXX XXXX  even refused to acknowledge my identity theft complaint filed with the Federal Trade Commission, even though they previously requested it. Therefore, I respectfully request all credit reporting agencies, along with the Consumer Financial Protection Bureau to enforce my rights under the Fair and Accurate Credit Transactions Act, and to delete all XXXX XXXX  tradelines accordingly. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
There were fraudulent on my Venmo account. See below for a description of the issue : My case number with Venmo was # XXXX I formally disputed a set of fraudulent transactions on my Venmo account that resulted in an unfair charge of {$490.00}, the freezing of my account, and most recently my account being permanently closed. 

On XXXX XXXXXXXX XXXX, several fake or unauthorized accounts deposited money into my Venmo account. These deposits were not requested or approved by me. Shortly thereafter, the senders filed disputesapparently with their banksto recover the funds. Venmo processed the disputes and refunded the senders, but has now placed a {$490.00} charge on my account and frozen my access. Venmo also used the money that was in my Venmo account to cover the fraudulent charges!! 

I spoke with a Venmo representative by phone on, but was told there was little that could be done because the disputes had already been settled. However, this situation is clearly fraudulent. I did not initiate, authorize, or benefit from these transactions, and I have taken immediate steps to protect my account, including removing linked bank accounts. 

This appears to be part of a known scam where fake accounts send unsolicited payments, then reverse them to create artificial liability. I should not be held financially responsible for receiving fraudulent payments beyond my control. 

I respectfully requested the following : A full reversal of the {$490.00} balance charged to my account. 
Reinstatement of full account access and removal of the freeze. 
Clarification on how Venmo determined I was liable for this activity and how it plans to prevent this kind of fraud going forward. 

I provided a brief timeline of events for reference. 

Timeline of Events XX/XX/year> ( approx. ) : First fraudulent deposit appears from unknown account. 
XXXX XXXX XX/XX/year> : Several additional fake deposits appear. Venmo uses my Venmo account money to pay for the fraudulent charges! 
XXXX XXXX XX/XX/XXXX : Disputes are filed by senders ; Venmo refunds the senders and charges me {$490.00} total. 
XX/XX/year> : Venmo freezes my account and reflects the balance due. 
XX/XX/year> : I contact Venmo XXXX by phone ; representative says nothing can be done due to settled disputes. 
XX/XX/year> : I remove all linked bank accounts from Venmo. 
XX/XX/year> : Submitting this formal written dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
XXXX apologize but I think a couple of months back in XXXX I believe when I did the loan or it could have been last year I don't remember but right now I am financially struggling and I'm trying my best to pay them towards my loan but unfortunately I have not been able to it's just been a struggle for me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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:
After reviewing my credit report, I notice that I have several fraudulent accounts listed on my credit profile. The negative collections have hurt my ability to obtain new credit. Please remove the fraudulent collections from my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: PA

Complaint narrative:
After reviewing my credit report, I notice that I have several fraudulent accounts listed on my credit profile. The negative collections have hurt my ability to obtain new credit. Please remove the fraudulent collections from my credit profile.

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 2025-06-29 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX and account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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 XXXX Account # XXXX and account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2025-06-29 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: FL

Complaint narrative:
the collection account reported by XXXX XXXX XXXXXXXX on XX/XX/XXXX does not belong to me and was not authorized by me. i believe my identity has been compromised and use fraudulently to create this debt. i request that this collection be fully investigated an immediately removed from my credit report, as i have no connection to this account. 

The hard inquiries listed on my credit report were not authorized by me and do not belong to me. I believe they are a result of unauthorized activity or potential fraud. Specifically, the following inquiries need to be removed : Company / Date of Inquiry XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
I submitted a legally compliant identity theft dispute regarding a TD Bank USA / Target credit card account that I did not open. I provided two FTC Identity Theft Reports, a copy of my ID, Social Security card, and utility bill, and submitted my dispute to all three credit bureaus. 
This account is the result of identity theft. I never authorized or applied for this account. TD Bank has continued to furnish this fraudulent account to the credit reporting agencies without verifying my identity or providing proof that I opened the account. 
Under FCRA 605B and 623 ( b ), they are required to block or remove identity theft accounts once notified. TD Banks continued reporting of this account is unlawful and causing serious harm to my credit.The billing address on file for the account is unknown to me because this was an identity theft account that I did not authorize. I am entering my own address here solely to complete this form.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: CA

Complaint narrative:
Subject : Formal Dispute and Re-Insertion Violation XXXX XXXX XXXXXXXX Account To Whom It May Concern, I am writing to formally dispute the unauthorized re-insertion of a previously deleted XXXX XXXX XXXXXXXX account into my credit file. This re-insertion was done without my knowledge, consent, or proper notification, which is a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 5 ) ( B ).

This XXXX XXXX XXXX account had been previously disputed and deleted after the furnisher was unable to verify the accuracy of the information. According to the FCRA 611 ( a ) ( 5 ) ( B ), if a credit reporting agency deletes information from a consumers credit file as a result of a dispute, that information can not be reinserted unless the furnisher certifies its accuracy, and the consumer must be notified in writing within five business days of the reinsertion. I was never notified, nor did I receive any written communication regarding the reinsertion of this account. 

Furthermore, if the furnisher ( XXXX  XXXX XXXX ) can not verify the accuracy of this information, its continued presence on my credit file is a violation of FCRA 611 ( a ) ( 1 ) ( A ), which requires that all information in a consumers credit file be accurate and verifiable. 

I demand the immediate and permanent removal of this XXXX  XXXX XXXX account from my credit report, as its reinsertion without compliance with federal law constitutes a willful violation of the FCRA. 

Please also provide me with the following : 1. A copy of the furnishers certification of accuracy that was used to justify the reinsertion.

2. A copy of the notice that was supposedly mailed to me within 5 business days of the reinsertion.

3. A reinvestigation report confirming the deletion of this unverifiable account.

This is a formal dispute under the Fair Credit Reporting Act. If this issue is not resolved within 30 days and the account is not removed, I will consider taking further action including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The historical addresses in my file are inconsistent, which may indicate an error or even potential identity theft. The information listed includes the following address : XXXX XXXX, XXXX XXXX, IL XXXX. However, my actual address during the time I resided there from XXXX to XXXX was XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, IL XXXX. 

I want to clarify that I have never lived in any other state in the XXXX. I have been a resident of Illinois since XXXX, having moved here from XXXX, XXXX. 

Additionally, my report includes another address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX. As I have clearly stated, I have never lived outside of the state of Illinois. My family and I have continuously resided in this state, and we continue to live here.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
Check system wont allow me to get an account at any bank. Those accounts were not me.

Im a victim of Identity theft I need my report wiped.

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 2025-06-29 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: Kriya Capital, LLC
State: TX

Complaint narrative:
Check system wont allow me to get an account at any bank. Those accounts were not me.

Im a victim of Identity theft I need my report wiped.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : 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 2025-06-29 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: NY

Complaint narrative:
Failed to provide me with a complete and accurate disclosure of my credit report, as required by 15 U.S.C. 1681g ( a ) ( 1 ) Failed to provide me with a copy of my credit report free of charge, as required by 15 U.S.C. 1681j ( a ) I demand that you immediately delete the inaccurate items from my credit report and take all necessary steps to correct the above violations of the Fair Credit Reporting Act. Furthermore, I insist that you provide me with a written response within 30 days to confirm that these items have been removed from my credit report and that the violations of the Act have been corrected.

33.6K If you require any additional information or documentation from me, please let me know. I appreciate your prompt attention to this matter.

371 Sincerely, 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 2025-06-29 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: NY

Complaint narrative:
Failed to provide me with a complete and accurate disclosure of my credit report, as required by 15 U.S.C. 1681g ( a ) ( 1 ) Failed to provide me with a copy of my credit report free of charge, as required by 15 U.S.C. 1681j ( a ) I demand that you immediately delete the inaccurate items from my credit report and take all necessary steps to correct the above violations of the Fair Credit Reporting Act. Furthermore, I insist that you provide me with a written response within 30 days to confirm that these items have been removed from my credit report and that the violations of the Act have been corrected.

33.6K If you require any additional information or documentation from me, please let me know. I appreciate your prompt attention to this matter.

371 Sincerely, 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 2025-06-29 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: OH

Complaint narrative:
Within a pair of five years, my information has been improperly, passed on to other companies agencies without my assistant. Up five credit breaches within the past 10 years.

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 2025-06-29 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$54000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/XXXX XXXXXXXX XXXX ct someone from Colorado signed into my chime app and transferred out my savings, advance pay and my checking to an unknown XXXX. For a total of XXXX $ Ive filed XXXX disputes since the day it happened. Ive filed a police report and uploaded emails and screenshots for me using my physical card that morning in XXXX Texas at quick trip around XXXXXXXX XXXX and so much more to them as well. But they keep denying my claim in XXXX hours or less.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: TX

Complaint narrative:
Check system wont allow me to get an account at any bank. Those accounts were not me.

Im a victim of Identity theft I need my report wiped.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: CA

Complaint narrative:
I am a victim of XXXXXXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief