vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: WV

Complaint narrative:
My Venmo account was closed without explanation. Each time I attempt to open a new account, it is automatically shut down soon after, even when I provide accurate identifying information. I have contacted Venmo customer support by phone and email several times, but I have not received a clear explanation or any path to resolve the issue. 

Because of these unexplained closures, I am unable to use Venmo to send or receive money from family and friends, which I rely on to help support my children and cover basic needs. Venmos lack of transparency makes it impossible to correct or appeal the problem. 

I am concerned that my information may have been incorrectly flagged by Venmo, PayPal, or their risk systems ( such as XXXX XXXX XXXX ), which may result in my information being unfairly blacklisted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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 - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$240.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$120.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$470.00} Unauthorized Inquiries to Be Deleted : XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : 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 explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: OLD NATIONAL BANCORP
State: IN

Complaint narrative:
I went in with my ein  letter for my businesses and was denied access to my businesses accounts at both old national bank and XXXX XXXX XXXX  XXXX XXXX XXXX. They said authorized signer control it when EIN holders are supposed to have the same authority as signer.

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 2025-09-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: DC

Complaint narrative:
Received notice XX/XX/year> that account was frozen and access suspended due to suspected fraud with linked banks accounts for ACH transfer. Called Ally immediately and was informed I would need to verify accounts on three-way phone call with respective banks. Two of the banks had security protocols that were incompatible with Ally 's for verification and could not be verified ; two other banks were not able to be reached by Ally ( it was a Saturday ). I was informed that after having attempted to verify the banks and failing, Ally could just simply remove the bank from being linked to my account. The agent mentioned it had to be confirmed by " The Ally Inspector '', and refused to give any kind of time-frame. 

I called again on XX/XX/year> to check the progress of getting my account accessible again, only to be told I would again be required to participate in verification of these accounts before my account would again be accessible. I did not have the time to go through this lengthy process again, and asked that they simply close the account and mail me a check of my funds. She said she would notate that on my account, but that it still needed to be confirmed by " The Ally XXXX ''. 

I called again on XX/XX/year> to check the status of my account closure request and the payoff check. Was informed not a single thing had happened with my case, and no timeline would be provided for its resolution. I acquiesced and agreed to again attempt to verify the linked accounts. Again, XXXX were unable to verify due to conflicting security measure which prevented both banks from being certain they were talking to me. The other XXXX were confirmed to be completely under my ownership, although they were business accounts. Ally informed me they do not permit the linking of my personal account with business accounts, but confirmed this was not fraud, as they initially expected. Ally stated that this was ok, the accounts would simply be removed and no longer linked. I requested the account remain open, and she noted in my file. I again inquired about an expected date of resolution in this matter and was again denied. 

It's unacceptable that there has been almost no communication from Ally on this matter and apparently no progress in the least. This is people 's money they're messing with for no good reason. The agent ( XXXX XXXX confirmed it was not fraud and there was no issue, it just has to pass by " The Ally XXXX '' to be completed, and that I " would hear from them. '' I have still heard nothing and am still locked out of my account with $ 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 2025-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
The LVNV Funding Llc company did serve me with some else 's paperwork back in 2024, today I just got a letter from Michigan department of treasury stating they filed and won for garnishment. I did call them after they sent me the other persons paperwork, asked where mine was and they could not tell me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: KS

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: CA

Complaint narrative:
There is a fraudulent account on my credit report and I have made requests to have this item removed numerous times and provided the required documentation in order to have this taken off of my credit report as it is not mine. The account is listed as a XXXX XXXX account account number XXXX, they have not removed it and have denied my requests for it's removal.

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 2025-09-08 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: NV

Complaint narrative:
I am filing this complaint against Equifax and Experian because they continue to report fraudulent accounts on my credit file, even after I submitted disputes with full supporting documentation. 

On XX/XX/XXXX, I submitted my first disputes to both bureaus, and on XX/XX/XXXX, I sent second written disputes. I included my FTC Identity Theft Report ( Report XXXX. XXXX ), a police report, my government-issued ID, and proof of address. Despite this, the following fraudulent accounts remain : XXXX XXXX XXXX XXXX XXXX Account # XXXX Amount : {$1500.00} Fraud began XX/XX/XXXX Discovered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX Account # XXXX Amount : {$1900.00} Fraud began XX/XX/XXXX Discovered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Amount : {$2400.00} Fraud began XX/XX/XXXX Discovered XX/XX/XXXX Additionally, a false address ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX  XXXX is being reported, which is not connected to me. 

Under the Fair Credit Reporting Act ( FCRA 605B & 611 ), Equifax and Experian are required to conduct a reasonable reinvestigation and block or delete fraudulent information within 30 days. Their failure to do so violates federal law and continues to cause me financial and personal harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: FL

Complaint narrative:
I am writing to dispute several inaccurate items listed on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). I am requesting an immediate investigation and correction of the following errors. 
XXXX. Inaccurate Address Information Incorrect Address Reported : XXXX XXXX XXXX XXXX, XXXX, PA XXXX Correct Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX have never lived at XXXX XXXX XXXX PA address XXXX and request it be removed from my credit file. 
XXXX. Account Disputes a. XXXX XXXX XXXX XXXX Reported Balance : {$220.00} Correct Balance : {$200.00} Please update to reflect the accurate balance. 
b. Possible XXXX Account XXXX XXXX XXXXXXXX I have no knowledge of this account and request verification or removal. 
c. Unknown Creditor Account XXXX XXXX XXXXXXXX I have no knowledge of this account. Please provide documentation or delete it. 
d. XXXX XXXX  Account XXXX XXXX XXXX This account was transferred to XXXX XXXX XXXX XXXX, and settled for less than full amount with agreement for removal. 
Supporting documentation is attached. 
The company is now closed, and the account is inaccurately reported. Please remove. 
e. XXXX XXXX Account XXXX XXXX XXXXXXXX Status shows paid in settlement, {$740.00} written off, which is inaccurate. 
This account was sold to XXXX XXXX and settled in full for less than owed. 
Confirmation email is attached showing the agreement. 
f. XXXX  AccounXXXX XXXX XXXX XXXX Status shows " paid closed, {$1000.00} written off, '' which is inaccurate. 
This account was paid in full. Please correct. 
g. XXXX XXXX  Account XXXX XXXX XXXXXXXX I have no knowledge of this account. Requesting verification or deletion. 
h. XXXX XXXX Account XXXX XXXX XXXXXXXX I have no knowledge of this account. Please verify or remove. 
XXXX XXXX and XXXX XXXX Account XXXX XXXX XXXXXXXX This account is incorrectly reporting a balance. I have no balance on this account. 
XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXXXXXX I have no knowledge of this account. Request investigation and removal. 
XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX I have no knowledge of this account. Please verify or delete. 
l. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have no knowledge of this account. Request verification or removal. 
XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX I have no knowledge of this account. 
Additionally, this company is reportedly no longer in business. 
This makes the debt unverifiable, and I request immediate deletion.

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 2025-09-08 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: FL

Complaint narrative:
I am writing to dispute several inaccurate items listed on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). I am requesting an immediate investigation and correction of the following errors. 
XXXX. Inaccurate Address Information Incorrect Address Reported : XXXX XXXX XXXX XXXX, XXXX, PA XXXX Correct Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX have never lived at XXXX XXXX XXXX PA address XXXX and request it be removed from my credit file. 
XXXX. Account Disputes a. XXXX XXXX XXXX XXXX Reported Balance : {$220.00} Correct Balance : {$200.00} Please update to reflect the accurate balance. 
b. Possible XXXX Account XXXX XXXX XXXXXXXX I have no knowledge of this account and request verification or removal. 
c. Unknown Creditor Account XXXX XXXX XXXXXXXX I have no knowledge of this account. Please provide documentation or delete it. 
d. XXXX XXXX  Account XXXX XXXX XXXX This account was transferred to XXXX XXXX XXXX XXXX, and settled for less than full amount with agreement for removal. 
Supporting documentation is attached. 
The company is now closed, and the account is inaccurately reported. Please remove. 
e. XXXX XXXX Account XXXX XXXX XXXXXXXX Status shows paid in settlement, {$740.00} written off, which is inaccurate. 
This account was sold to XXXX XXXX and settled in full for less than owed. 
Confirmation email is attached showing the agreement. 
f. XXXX  AccounXXXX XXXX XXXX XXXX Status shows " paid closed, {$1000.00} written off, '' which is inaccurate. 
This account was paid in full. Please correct. 
g. XXXX XXXX  Account XXXX XXXX XXXXXXXX I have no knowledge of this account. Requesting verification or deletion. 
h. XXXX XXXX Account XXXX XXXX XXXXXXXX I have no knowledge of this account. Please verify or remove. 
XXXX XXXX and XXXX XXXX Account XXXX XXXX XXXXXXXX This account is incorrectly reporting a balance. I have no balance on this account. 
XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXXXXXX I have no knowledge of this account. Request investigation and removal. 
XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX I have no knowledge of this account. Please verify or delete. 
l. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have no knowledge of this account. Request verification or removal. 
XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX I have no knowledge of this account. 
Additionally, this company is reportedly no longer in business. 
This makes the debt unverifiable, and I request immediate deletion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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:
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  - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$0.00} 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, 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 2025-09-08 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: RI

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 - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$18000.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$16000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$17000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$7900.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6500.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} 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 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Several months ago, I identified multiple accounts on my credit file that do not belong to me and appear to be the result of fraudulent activity. In accordance with the Fair Credit Reporting Act ( FCRA ), I submitted a written dispute along with an FTC Identity Theft Report, requesting proper validation for each disputed account, including copies of the original signed contracts or other documentation used to verify their accuracy.

Despite submitting my request over two months ago, I have not received any of the following : 1. Copies of the original signed contracts ; 2. The method of verification relied upon ; 3. The names of the individuals or representatives contacted at the furnishing companies.

Additionally, the disputed accounts remain on my credit report. This constitutes a failure to provide the legally required validation under the FCRA, and I respectfully demand that the unverifiable accounts be removed immediately.

Please provide the requested documentation or confirm deletion of these accounts within the timeframes outlined by federal law.

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