vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-23 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: OH

Complaint narrative:
My inquiry confirmed Experian Credit Bureau has never validated or verified this information with the original creditor COURT : XXXX XXXXXX/XX/XXXXXXXX XXXX : XXXXXX/XX/XXXX Bankruptcy - is in violation of the FCRA cXX/XX/XXXXe 15 U.S. cXX/XX/XXXXe XXXX, 15 U.S cXX/XX/XXXXe XXXX ( XXXX ) ( b ), 15 U.S cXX/XX/XXXXe XXXX, 15 U.S cXX/XX/XXXXe XXXX, 15 U.S cXX/XX/XXXXe XXXX also meeting metro 2 reporting regulations XXXX XXXX XXXX XXXX associated with litigation claim reference that is also in violation of the FCRA cXX/XX/XXXXe 15 U.S. cXX/XX/XXXXe XXXX, 15 U.S cXX/XX/XXXXe XXXX ( XXXX ) ( b ), 15 U.S cXX/XX/XXXXe XXXX, 15 U.S cXX/XX/XXXXe XXXX, 15 U.S cXX/XX/XXXXe XXXX also meeting metro 2 reporting regulations XXXX XXXX XXXX associated with litigation claim reference that is also in violation of the FCRA cXX/XX/XXXXe 15 U.S. code XXXX, 15 U.S cXX/XX/XXXXe XXXX ( XXXX ) ( b ), 15 U.S cXX/XX/XXXXe XXXX, 15 U.S cXX/XX/XXXXe XXXX, 15 U.S cXX/XX/XXXXe XXXX also meeting metro 2 reporting regulations XXXX XXXX XXXX associated with litigation claim reference that is also in violation of the FCRA cXX/XX/XXXXe 15 U.S. cXX/XX/XXXXe XXXX, 15 U.S cXX/XX/XXXXe XXXX ( XXXX ) ( b ), 15 U.S cXX/XX/XXXXe XXXX, 15 U.S cXX/XX/XXXXe XXXX, 15 U.S cXX/XX/XXXXe XXXX also meeting metro 2 reporting regulations XXXX XXXX XXXX with litigation XXXX reference that is also in violation of the FCRA XXXX 15 U.S. cXX/XX/XXXXe XXXX, 15 U.S code XXXX ( XXXX ) ( XXXX ), 15 U.S cXX/XX/XXXXe XXXX, 15 U.S cXX/XX/XXXXe XXXX, 15 U.S cXX/XX/XXXXe XXXX also meeting metro 2 reporting regulations XXXX XXXX XXXXassociated with litigation claim reference that is also in violation of the FCRA cXX/XX/XXXXe 15 U.S. code XXXX, 15 U.S cXX/XX/XXXXe XXXX ( XXXX ) ( b ), 15 U.S cXX/XX/XXXXe XXXX, 15 U.S cXX/XX/XXXXe XXXX, 15 U.S cXX/XX/XXXXe XXXX also meeting metro 2 reporting regulations XXXX XXXX XXXX associated with litigation claim reference that is also in violation of the FCRA XXXX 15 U.S. cXX/XX/XXXXe XXXX, 15 U.S cXX/XX/XXXXe XXXX ( XXXX ) ( b ), 15 U.S cXX/XX/XXXXe XXXX, 15 U.S cXX/XX/XXXXe XXXX, 15 U.S cXX/XX/XXXXe XXXX also meeting metro 2 reporting regulations XXXX XXXX XXXX - XXXX associated with litigation claim reference that is also in violation of the FCRA code 15 U.S. code XXXX, 15 U.S cXX/XX/XXXXe XXXX ( XXXX ) ( b ), 15 U.S cXX/XX/XXXXe XXXX, 15 U.S cXX/XX/XXXXe XXXX XXXX 15 U.S cXX/XX/XXXXe XXXX also meeting metro 2 reporting regulations

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 2025-05-23 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: NJ

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. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( 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. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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 recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize, nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It did a lot of damage to me. I need these fraudulent inquiries to be removed from my credit report ASAP in order to prevent further fraudulent activity under my account. Do anything necessary to remove them from my report. It is stressing me out and making me anxious. Hope you can address this soon, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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:
credit report was negatively impacted due to unauthorized accounts from a data breach. 
Pursuant to Section XXXXB of the Fair Credit Reporting Act ( 15 U.S.C. XXXX ( a ) ), I demand blocking and removal within XXXX days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX NY XXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3000.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} Inquiries 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 non-monetary relief
Consumer complaint received 2025-05-23 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: DISCOVER BANK
State: FL

Complaint narrative:
After reviewing my credit report I noticed unauthorized hard inquiries on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: OneMain Finance Corporation
State: FL

Complaint narrative:
After reviewing my credit report I noticed unauthorized hard inquiries on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: CT

Complaint narrative:
I was a victim of identity theft. There is an inquiry on my Experian credit report that is fraudulent and does not belong to me. I've already filed an FTC report. The inquiry is XXXX. XXXX XXXX - XX/XX/year> 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 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are fraudulent inquiries on my report applications made in my name that I did not make nor given/authorize consent to. I suspect that it might've been done without my knowledge. It is stressing me out and making me anxious. I am expecting that you'd address this soon. Thanks.

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 2025-05-23 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
In accordance with 15 U.S.C. 1681e ( b ), you are required by federal law to maintain procedures ensuring maximum possible accuracy in the preparation and reporting of consumer credit information. Upon reviewing my credit reports, I have identified inaccuracies pertaining to the collections accounts : Credit Card account opened at XXXX XXXXXXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  the account is shown in collection on Transunion and Equifax only Credit Card account opened at XXXX XXXX on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  the account late payment Equifax and Experian only Unsecured loan account opened at XXXX XXXX on XX/XX/XXXX account number XXXX XXXX XXXX the account is showing late payment history and shown in collection on Experian only Unsecured loan account opened at XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX the account is showing late payment history and shown in collection on Experian only Unsecured loan account opened at XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX  the account is showing late payment history and shown in collection on Experian only Unsecured loan account opened at XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX  the account is showing late payment history and shown in collection on Experian only Unsecured loan account opened at XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX the account is showing late payment on Experian only Credit Card account opened at XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  the account is shown in collection on Transunion and Equifax only and showing late payment Equifax and Experian only which is being inconsistently reported among the national credit bureaus.

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 2025-05-23 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Hello, while checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX XXXX 2025 XXXX XXXX XXXX XXXX XXXX 2025 XXXX XXXX XXXX XXXX XXXX 2025 XXXX XXXX XXXX XXXX 2025 XXXX XXXX XXXX XXXX XXXX, 2025 XXXX XXXX XX/XX/XXXX2025 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section XXXXb ( c ) and a serious breach of my privacy rights. 

I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Please note that you have XXXX days to complete this investigation, as per the Fair Credit Reporting Act section XXXX. 


Your company is not authorized to share any of my personally identifiable information with any creditor or outside agency for which I am disputing. 

Sincerely, XXXX XXXX EMAIL : XXXX XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: Prince Parker & Associates
State: FL

Complaint narrative:
I am sending this complaint to PRINCEPARKER regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified. 
I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed.

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 2025-05-23 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:
Subject : Complaint Regarding XXXX XXXX Inaccurate Collection Reporting on XXXX  XXXX TransUnion XXXX  Whom It May Concern, I am submitting this formal complaint against XXXX XXXX, XXXX, XXXX TransUnion for their failure XXXX correct XXXX remove an account that has been fully paid XXXX no longer belongs on my credit report. This issue represents clear violations of the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), XXXX the XXXXXXXX XXXX XXXX GLBA ). 

Account in Question : Creditor : XXXX XXXX Original Account Number : Ending in XXXX Account Type : XXXX  Opened : XX/XX/XXXX Closed : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( Experian ) Balance : {$0.00} Status : In Dispute ( but still listed ) Last Payment : Fully paid on XXXX Current Status : XXXX  : XXXX removed XXXX & TransUnion : Still reporting negatively despite being {$0.00} and paid Violations : FCRA XXXX XXXX. XXXX and XXXX ( b ) : TransUnion and XXXX are furnishing outdated XXXX inaccurate information. 

This account was resolved, closed, XXXX  paid in full years ago and must not be shown as a collection or derogatory account. 

XXXX  XXXX XXXX. XXXX et seq. : The continued listing of this paid-off account without disclosure of resolution misrepresents my financial obligations XXXX  impairs my ability XXXX access fair credit. 

XXXX XXXX XXXX. XXXX : There has been a failure XXXX maintain the accuracy XXXX confidentiality of my consumer data, leading XXXX reputational XXXX  financial harm.

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 2025-05-23 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, present evidence of explicit authorization for each inquiry, disclose all communication exchanged, share internal records, confirm identity verification measures, and demonstrate compliance with relevant laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXXXXXX  AND EQUIFAX DATA BREACH. PER 15 USC XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX 

Account Name : TXXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/year> 2024

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: IL

Complaint narrative:
b'I am a victim of a recent data breach, and I have discovered fraudulent accounts on my credit\nprofile. In accordance with Section 605B of the FCRA (15 U.S.C.  1681c-2(a)), kindly block\nand delete them within 4 days:\nAlso, would like to have all addresses and names REMOVED from my credit report, except\nfor my only name and address listed below:\nName: XXXX XXXX\nAddress: XXXX XXXX XXXX XXXX XXXX IL XXXX\nPlease delete and block the following accounts from my credit report\nAccounts\XXXX  - Account Number: XXXX Date Opened: XXXX, Balance: XXXXXXXX  - Account Number: XXXX Date Opened: XXXX Balance: XXXX XXXX Account Number: XXXX Date OpenedXXXX XXXX Balance: 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 2025-05-23 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: IL

Complaint narrative:
b'I am a victim of a recent data breach, and I have discovered fraudulent accounts on my credit\nprofile. In accordance with Section 605B of the FCRA (15 U.S.C.  1681c-2(a)), kindly block\nand delete them within 4 days:\nAlso, would like to have all addresses and names REMOVED from my credit report, except\nfor my only name and address listed below:\nName: XXXX XXXX\nAddress: XXXX XXXX XXXX XXXX XXXX IL XXXX\nPlease delete and block the following accounts from my credit report\nAccounts\XXXX  - Account Number: XXXX Date Opened: XXXX, Balance: XXXXXXXX  - Account Number: XXXX Date Opened: XXXX Balance: XXXX XXXX Account Number: XXXX Date OpenedXXXX XXXX Balance: XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.
State: NH

Complaint narrative:
Coinbase support case number : XXXX ( The case is still marked as open in their system, but the support agent clearly ended the conversation and stated no further action would be taken. This is preventing me from filing a formal internal complaint through Coinbases system. ) On XX/XX/2025, Coinbases tax system generated XXXX false entries under the Taxes > Needs Review section. These entries claim I received cryptocurrency ( XXXX ) in amounts I never purchased, transferred, or received. 

These transactions do not exist in my Coinbase wallet, trading history, or on the blockchain. I never initiated or accepted these transfers. The system labeled them as I received a transfer from myself with pre-filled cost basis amounts. 

The XXXX phantom entries are : XXXX ) XXXX XXXX with a reported cost basis of {$1000.00} XXXX ) XXXXXXXX XXXX with a reported cost basis of {$3600.00} This totals {$4600.00} in fake holdings, which inflates my estimated tax gains and exposes me to false income reporting if not corrected. 

I contacted Coinbase Support and submitted full proof, including screenshots of my trade history, account activity, and the Coinbase tax entries in question. Instead of investigating or escalating, support misclassified this issue as an unauthorized transaction and told me to file a police report a completely inappropriate and inaccurate recommendation. 

This is not a fraud issue or security breach it is clearly a Coinbase Taxes data/reporting error. The incorrect entries appear to have been generated by Coinbase 's internal logic, not by any blockchain or wallet activity. 

Support refused to escalate to their tax or technical team and closed the chat without resolving the issue or correcting the data. 

I am requesting the following : XXXX ) That Coinbase remove or exclude these false entries from my tax report XXXX ) That they formally acknowledge this issue as a system-generated data error XXXX ) That they provide documentation confirming the correction for tax audit protection

Company response to consumer: Closed with monetary relief