vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
Hello I dont known if am in the right place to bring this up ive tired to contact cash app support but cant get threw to tell them exactly what went down and that i was a victim to a scam and I have all the messages and proof that show I didnt now what was happening until I finally caught on and I stopped so if there a way you can let me now that you can help me please let me now ill send everything right away to show that I was a victim to a scam and that they closed my account for no reason that they got it all wrong thanks in advance..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
Hi Everyone, I am having issues accessing my account, looks like is been hacked. And I am unable to make payments, XXXX information, neither can I download my credit report. Someone is been using my information to get credit cards, loans, rent application, etc., not authorized by me. Inquiries are been placed in my report unnecessarily without my consent or my knowledge. Collections are in my credit report that I know nothing about even after calling the collectors they can not find my account or information in their system. Also, there are accounts who are reported as paid and not in collections that re appears in my account for collection after a while. And is from accounts who know that I faced a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They do not want installment payments neither dispute the items on my credit report and is affecting me to have a full time job. 

Please get back to me ASAP as I have filed and identity theft and a police report with the current situation of scammers stealing my information online for fraudulent intentions. 

It is with HIGH importance and urgent that I should resolve this account for XXXX XXXX to fix my credit for an XXXX XXXX XXXX XXXX XXXX XXXXMy information is state below : Email : XXXX phone : XXXX Address : XXXX XXXX XXXX, XXXX, TX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: ProCollect, Inc.
State: TX

Complaint narrative:
Hi Everyone, I am having issues accessing my account, looks like is been hacked. And I am unable to make payments, XXXX information, neither can I download my credit report. Someone is been using my information to get credit cards, loans, rent application, etc., not authorized by me. Inquiries are been placed in my report unnecessarily without my consent or my knowledge. Collections are in my credit report that I know nothing about even aXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt in collections that re appears in my account for collection after a while. And is from accounts who know that I faced XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They do not want installment payments neither dispute the items on my credit report and is affecting me to have a full time job. 

Please get back to me ASAP as I have filed and identity theft and a police report with the current situation of scammers stealing my information online for fraudulent intentions. 

It is with HIGH importance and urgent that I should resolve this account for XXXX XXXX to fix my credit for aXXXX XXXX XXXX XXXX XXXX XXXX XXXX 

My information is state below : Email : XXXX phone : XXXX Address : XXXX XXXX XXXX, XXXX, TX, 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 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit report currently contains wrong personal information, particularly addresses that are not associated with me. I have enclosed the supporting documents to help you verify this, and I respectfully demand that these inaccurate addresses be permanently deleted from my record without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I never obtained any of these debt. 

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: MD

Complaint narrative:
This serves as my fourth and final follow-up regarding multiple unauthorized inquiries that continue to appear on my credit reports despite my previous disputes. I am extremely concerned that, after several investigations, these inquiries have not been permanently removed even though I have never granted any company permission to access my credit file. 
I have carefully reviewed my credit reports again, and I continue to see unauthorized inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I did not apply for credit or authorize any of these companies to access my file. Their actions represent a clear violation of my privacy and fall outside of any permissible purpose allowed under FCRA 604 ( a ) and FCRA 604 ( f ).

Under FCRA 605B, I have the right to block any information resulting from unauthorized or fraudulent access to my personal data. These inquiries are a direct example of such unauthorized access, and therefore, they must be deleted immediately. It is also your responsibility, under FCRA 611 ( a ), to ensure that a reasonable reinvestigation is conducted and that all unverifiable information is 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
Consumer complaint received 2025-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Malen & Associates, p.c.
State: NY

Complaint narrative:
I am filing a complaint regarding debt collection practices by Malen & Associates , P.C . related to an installment loan originally from XXXX. 

This account has been transferred through multiple collection agencies, and Malen & Associates is now attempting to collect it. I have concerns about whether they have proper documentation or authority to collect on this debt.

I have not yet attempted to negotiate or make payment because I have not received clear verification of the debt or any written confirmation showing they have the right to collect it. I want to ensure the amount claimed and their collection activity comply with the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: NC

Complaint narrative:
Ive been fighting this issue for quite some time now. Starting on XX/XX/scrub>XXXX XXXX XXXX XXXX contacted both XXXX  and cashapp about unauthorized transactions the came out of my bank account and was sent to my cashapp to be withdrawn to someone elses bank account. Ive gone back and forth with both companies that i did not authorize these transactions in any way. They both keep claiming because my IP address appeared that I authorized the transaction. I can say XXXX percent I did not authorize these transactions and I have no idea why my IP address would be appearing. If I authorized these transactions I wouldnt be writing this complaint in the first place. Its been a little over a month and all I keep getting back from both companies is they need more time when i submitted my complaints in. This is getting ridiculous with this waiting around for my money when im giving both companies the institution and last XXXX digits of the card used to take my money from me. XXXX starting to loose my patience because the amount in question is {$7800.00} through multiple transactions and not once was I alerted from either company if I was the one making the transactions. I want answers for what the resolution is to get my money back from XXXX of these companies because I will not stop till I get my money back and be accused of authorizing these transactions when I know for a fact I didnt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I am filing this formal complaint against Equifax for their ongoing violations of the Fair Credit Reporting Act ( FCRA ) in connection with my identity theft dispute. On XX/XX/year>, I submitted a direct dispute with supporting documentation, including my FTC Identity Theft Report, government-issued ID, proof of address, and a sworn statement under penalty of perjury, to confirm that the XXXX XXXX XXXX XXXX XXXX was fraudulent. Despite receiving this information, Equifax has failed to block or delete the fraudulent account as required under FCRA 605B and has not conducted a reasonable reinvestigation under FCRA 611 ( a ). Their continued reporting of this fraudulent account is causing ongoing harm to my credit file and financial well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
On XX/XX/year>, I initiated a Zelle transfer of {$2000.00} to a trusted recipient using their phone number registered with Zelle. Although the transaction was initiated on XX/XX/XXXX, the transaction date listed on my checking account is XX/XX/year>. My bank has confirmed that the payment was successfully sent via Zelle to the intended phone number, and Zelle has also verified that the funds were delivered to an enrolled user. Additionally, I verified the full name associated with the Zelle profile, and it matched the name of the intended recipient. Despite this, the recipient states they have not received the funds in their account. As the sender, I have no visibility into the destination account number ( I'm aware of the phone number used in the transaction ), and my recipient has no record of the funds arriving. I have asked my bank to trace the transaction and provide information on the destination account number or masked account number, as I need to verify where the money was ultimately deposited to the intended account. However, the bank has stated that they are unable to provide the account number or further details because it was a Zelle transaction. I find this unacceptable given the amount involved and the fact that Zelle is a digital transaction platform that should allow for traceability. I request Zellet to provide assistance in obtaining a trace of the transaction and confirmation of the destination account information atleast the recipients instituations name. If the recipients account is suspended, frozen, or otherwise restricted, that should be identifiable by the recipients bank. If some information is provided that can help me decide to file fraud against the recipient it would be great. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: GA

Complaint narrative:
I am so displeased with the way my information was used. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and psychological health to the point I had to have my pastor pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s-2, not one credit reporting agency shouldn't be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.

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 2025-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My friend and business partner sent me the following amounts to my Capital One account. My account number is XXXX. 

{$35000.00} USD was sent and received on Tuesday XX/XX/year>. 

$ XXXX was sent and received on Wednesday XX/XX/year> $ XXXX was sent and received on Thursday XX/XX/year>. 

Capital One closed my account and refused to give my complete refund check. I was supposed to get a refund check in the amount of {$150000.00}, but they only send me {$320.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To : Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Correction and Deletion of Inaccurate Personal Information Re : FCRA 611 Consumers Right to Accurate and Verifiable Information Dear Credit Bureau Representatives, I am writing to formally dispute and request deletion of the inaccurate personal identifying information currently being reported in my credit file. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to have only accurate and verifiable information reported. The following information appearing on my credit report is incorrect and must be removed immediately. 
Equifax Incorrect Information : XXXX. Previous Address : XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX. Previous Address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX Request : Please delete the above addresses from my credit file as they are inaccurate and not associated with me. 
Experian Incorrect Information : XXXX. Also Known As : XXXX XXXX Request : Please remove the incorrect alias listed above, as it is not my legal or verified name. 
TransUnion Incorrect Information : XXXX. Also Known As : XXXX XXXX XXXX. Also Known As : XXXX XXXX XXXX. Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Request : Please delete the incorrect aliases and address listed above from my credit file. These do not belong to me and must be removed under FCRA 611 and 607 ( b ). 
Correct Information to Remain on File Full Legal Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, Florida XXXX Please conduct a thorough reinvestigation and provide written confirmation once these inaccurate records have been deleted from my file. Failure to correct this information within the required timeframe constitutes a violation of the Fair Credit Reporting Act, and I will not hesitate to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ) if necessary.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To : Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Correction and Deletion of Inaccurate Personal Information Re : FCRA 611 Consumers Right to Accurate and Verifiable Information Dear Credit Bureau Representatives, I am writing to formally dispute and request deletion of the inaccurate personal identifying information currently being reported in my credit file. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to have only accurate and verifiable information reported. The following information appearing on my credit report is incorrect and must be removed immediately. 
Equifax Incorrect Information : XXXX. Previous Address : XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX. Previous Address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX Request : Please delete the above addresses from my credit file as they are inaccurate and not associated with me. 
Experian Incorrect Information : XXXX. Also Known As : XXXX XXXX Request : Please remove the incorrect alias listed above, as it is not my legal or verified name. 
TransUnion Incorrect Information : XXXX. Also Known As : XXXX XXXX XXXX. Also Known As : XXXX XXXX XXXX. Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Request : Please delete the incorrect aliases and address listed above from my credit file. These do not belong to me and must be removed under FCRA 611 and 607 ( b ). 
Correct Information to Remain on File Full Legal Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, Florida XXXX Please conduct a thorough reinvestigation and provide written confirmation once these inaccurate records have been deleted from my file. Failure to correct this information within the required timeframe constitutes a violation of the Fair Credit Reporting Act, and I will not hesitate to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ) if necessary.

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 2025-10-07 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: AP

Complaint narrative:
I signed up for a credit building service in XXXX to improve or build my credit. after missing a payment nearly 2 years ago, the company reported it was a late payment. this account was not a traditional loan, credit cart or bill, and the reporting is inaccurate. i have contacted both both company and credit bureau bureaus but the negative mark remains. 

I am requesting CFPB assistance in having this inaccurate late payment remove from my credit reports as it is unfairly damaging my credit history.

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