vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-09 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: VA

Complaint narrative:
This Supplemental Notice of Arbitration is submitted in continuation of the arbitration demand that was delivered to Equifax Information Services, LLC on XX/XX/year>, via XXXXXXXX XXXX  to Equifaxs registered agent in XXXX, with proof of delivery by electronic certified receipt. The original filing outlined Equifaxs ongoing violations of the Fair Credit Reporting Act ( FCRA ) regarding the inaccurate and misleading reporting of the XXXXXXXX XXXX  XXXX account. 

New Violations and Supporting Evidence Credit Report Dated XX/XX/year> ( Received XX/XX/year> ) Confirmation # XXXX shows XXXX XXXX XXXX is still actively reporting on my Equifax credit profile despite Equifaxs prior representation that the account had been removed. 

This report reflects continued inaccurate, inconsistent, and misleading information, constituting further violations of FCRA 607 ( b ), 611 ( a ), and 623 ( a ) ( 3 ). 

Investigation Results Dated XX/XX/year> Confirmation XXXX XXXXXXXX states in writing : XXXX XXXX, XXXX is not currently reporting on your Equifax credit profile. 

This contradicts the XX/XX/year> report above, proving Equifax knowingly provided false and conflicting information in violation of the FCRA.

Research Request Forms Equifax has issued at least XXXX separate Research Request Forms since XX/XX/year>, all tied to the same XXXX XXXX account, including Confirmation # XXXX. 

This repetitive and conflicting issuance demonstrates a failure to conduct a reasonable reinvestigation under FCRA 611 ( a ). 

Failure to Block Notices On XX/XX/year>, Equifax mailed me its third consecutive Failure to Block notice concerning this account.

Equifaxs refusal to block the disputed and fraudulent account, despite receipt of proper identity theft documentation, constitutes repeated violations of FCRA 605B.

Fraudulent Misrepresentation on CFPB Portal Equifax fraudulently represented on the CFPB complaint portal that the XXXX XXXX account was removed. However, subsequent reports ( XX/XX/year> ) prove the account is still reporting. 

This constitutes deceptive and fraudulent conduct, violating both FCRA duties and federal consumer protection regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: 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 - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$220.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$430.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$680.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$540.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$230.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$430.00} Unauthorized Inquiries to Be Deleted : XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX

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

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - Incorrect Personal AUTHENTIC OR NOTHING LLC - Incorrect Personal XXXX XXXX XXXX XXXX XXXX XXXX Personal XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX, XXXX, XXXX - Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 ( FTC NUMBER ) as proof from the XXXX Federal Trade Commission that all 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 2025-09-09 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 
1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within fo
ur 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$2400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} 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 XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: TX

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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:
The company made this false report XXXX to the credit bureau. I need for the company to retract that false information sent to the credit bureau. 

The company lied to the credit bureau and just jeopardized my residence with me and my family during my renewal process of my lease. Your company lied about me not making payments on my account since XX/XX/XXXX. The bill stating XX/XX/XXXX still is not 90 days past due either. This incorrect false information needs to be sent to all XXXX credit bureaus to reflect the correct information and balance. 

I would like the transactions history confirming my payments I made to the company from the time of the open loan. 


The XXXX XXXX agent via chat today XXXX confirmed : Payments made on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. However, even with receipt of these payments, the account shows past due for the XX/XX/XXXX bill for {$400.00}. 

The company made this false report XXXX to the credit bureau. I need for your company to retract that false information sent to the credit bureau XXXX, Equifax, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The company made this false report XXXX to the credit bureau. I need for the company to retract that false information sent to the credit bureau. 

The company lied to the credit bureau and just jeopardized my residence with me and my family during my renewal process of my lease. Your company lied about me not making payments on my account since XX/XX/XXXX. The bill stating XX/XX/XXXX still is not XXXX  days past due either. This incorrect false information needs to be sent to all XXXX credit bureaus to reflect the correct information and balance. 

I would like the transactions history confirming my payments I made to the company from the time of the open loan. 


The XXXX XXXX agent via chat today XXXX confirmed : Payments made on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. However, even with receipt of these payments, the account shows past due for the XX/XX/XXXX bill for {$400.00}. 

The company made this false report XXXX to the credit bureau. I need for your company to retract that false information sent to the credit bureau XXXX XXXX  and TransUnion.

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 2025-09-09 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:
I am writing to formally dispute inaccurate information that is being reported on my credit report. 
Specifically, the following items are incorrect and are negatively impacting my XXXX XXXX : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$59000.00} Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$74000.00} These items are either inaccurately reported or have already been resolved, and I request that they be thoroughly investigated and corrected. I have already contacted the credit reporting agency and the data furnisher, but the issue remains unresolved. I have attached supporting documentation, screenshots of my credit report that to show the inaccurate information and to support my claim. Please investigate this matter promptly and update my credit report to reflect accurate information.

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 2025-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Mercury Technologies, Inc.
State: NY

Complaint narrative:
In early XX/XX/2025, XXXX requested that we provide updated documentation of my companys physical operational address for XXXX XXXX. 

On XX/XX/2025, I submitted a valid, signed lease agreement for our XXXX office at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. This lease provides full legal rights of occupancy and is the companys contractual XXXX point of presence. 

Instead of acknowledging this documentation, XXXX repeatedly sent template responses stating the address could not be accepted. 

On XX/XX/2025, XXXX informed me that, although the lease was valid, the location was associated with a virtual office provider and therefore did not meet their requirements. 

This reasoning is arbitrary and inconsistent : - A provider offering both physical office leases and virtual services does not transform every physical office lease into a virtual office. 
- XXXX explicitly states that residential addresses are acceptable, yet they rejected a commercial office lease - applying inconsistent standards. 
- No point-by-point explanation of deficiencies was ever provided, despite multiple requests. 

On XX/XX/2025, we received a final account closure notice stating my XXXX account will be closed on XX/XX/2025, because they " did not receive the additional information required to verify '' our account. 

I have attached : - XXXX agreement submitted to XXXX, - Other proofs of trading address - Copies of communications with XXXX including formal complaint correspondence - Final closure notice. 

We believe XXXX is closing our account despite full compliance, relying on an unsupported classification of the address, and without transparency in how the decision was really made or motivated.

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

Complaint narrative:
I am disputing the following inaccurate and unverifiable information in my Equifax file. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX statuses, masked account numbers. 
XXXX XXXX XXXX XXXX XXXX XXXX vs. Paid in Full. 
XXXX XXXX Inconsistent dispute status, missing XXXX. 
XXXX XXXX XXXX XXXX balance inconsistencies, improper lates post-charge-off. 

XXXX XXXX The following inquiry is being reported without evidence of permissible purpose under FCRA 604 : XXXX XXXX XXXX XXXX

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

Complaint narrative:
I constantly check my credit report and noticed that the errors and false misleading information for individual account didnt quite meet the credit reporting standards of being XXXX XXXX correct. This has damaged me and held me back for some time. XXXX demanding CFPB to enforce the correction and or deletion of these item below. 
XXXX XXXX XXXX XXXX Balance {$0.00} XXXXXXXX XXXX XXXX XXXX Balance {$3100.00} XXXX XXXX XXXX XXXX Balance {$3700.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$420.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$450.00} XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$760.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$210.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX - Account Number : XXXX * XXXX *, Date Opened : XX/XX/XXXX, Balance : {$280.00} XXXX XXXX XXXX Account Number : XXXX * XXXX *, Date Opened : XX/XX/XXXX, Balance : {$240.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$900.00} 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 XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: MA

Complaint narrative:
The following account is showing a late payment on XX/XX/year>. This is not correct. This account was paid on time. The rating should reflect paid as agreed. 

XXXX Mortgage # XXXX The following account is showing a late payment on XX/XX/year>. This is not correct. This account was paid on time. The rating should reflect paid as agreed. 

XXXX XXXX XXXXXXXX

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 2025-09-09 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: AL

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account 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