vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PENTAGON FEDERAL CREDIT UNION
State: IN

Complaint narrative:
Subject : Request for Refund Due to Substitute Check XXXXXXXX XXXX XXXX To Whom It May Concern, I am submitting a formal claim under the Check Clearing for the XXXXXXXX XXXX Act regarding a substitute check that was posted to my account and resulted in a financial loss. 

Description of Loss : The substitute check in question was returned with the reason Refer to Maker. It was originally issued to my business, XXXX XXXX XXXX, in the amount of {$83.00}, as payment for services rendered. This check was expected income and its return has negatively affected my businesss financial operations.

Estimate of Loss : My estimated loss is {$83.00}, which is the full value of the check.

Why the Substitute Check Is Insufficient : The substitute check lacks sufficient information to clarify why it was not honored. The Refer to Maker notation does not specify whether the issue was due to insufficient funds, a stop payment, or another reason. This ambiguity prevents me from resolving the matter or verifying the legitimacy of the return. 

Identifying Details of the Substitute Check : Check Number : XXXX Date of Check : XX/XX/year> Amount : {$83.00} Payee : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX. 
Routing Number : XXXX Return Reason : Refer to Maker Copy of Substitute Check : [ Attach the check image here ] Request for Refund Under Federal Law : As outlined in your substitute check disclosure, federal law entitles me to receive up to {$2500.00} of my refund ( plus interest, if applicable ) within XXXX business days of your receipt of this claim. Any remaining refund and applicable interest should be issued within XXXX calendar days after you receive my claim. 

Please confirm receipt of this request and begin processing my refund in accordance with these federally mandated timelines. Feel free to reach out to me if any further documentation or verification is needed. 

Thank you for your time and attention. 

Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX Contact : ( XXXX ) XXXX Account Holder Pentagon Federal Credit Union

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 2025-05-12 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: CA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments and I've attached a copy of the report detailing this inaccuracy that is shown for the period of XX/XX/year>. I'm now requesting you investigate this account and update this payment to show paid on time immediately. Thankyou for your understanding and prompt action.

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 2025-05-12 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: CA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments and I've attached a copy of the report detailing this inaccuracy that is shown for the period of XX/XX/year>. I'm now requesting you investigate this account and update this payment to show paid on time immediately. Thankyou for your understanding and prompt action.

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 2025-05-13 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: CA

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$11000.00} XXXXXXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Balance {$9400.00} XXXX XXXX XXXXXXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Balance {$9400.00} XXXX XXXX XXXX XXXX Balance {$4900.00} XXXX XXXX XXXXXXXX XXXX  XX/XX/year> XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

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 explanation
Consumer complaint received 2025-05-13 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:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Balance : {$290.00} CAP XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$970.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: OR

Complaint narrative:
I applied for a XXXX XXXX credit card after being told by the store employee that the application would not affect my credit score. I agreed to proceed only because I was assured it would be a soft inquiry. However, XXXX placed a hard inquiry on my XXXX  report without my informed consent. This was misleading and I am requesting removal of the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: MO

Complaint narrative:
Subject : Unauthorized Hard Inquiry Demand for Immediate Removal To Whom It May Concern, I am filing a formal complaint regarding a hard inquiry that appears on my credit report, which I did not authorize. The inquiry was made by : XX/XX/XXXXXXXX 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 XXXXXXXX Under the Fair Credit Reporting Act ( FCRA ), no one is allowed to access my credit report without my explicit written permission or a permissible purpose. I never applied for credit or gave authorization to this entity, and this inquiry is therefore a direct violation of my consumer rights under federal law. 

I demand the following : XXXX. Immediate removal of this unauthorized inquiry from all credit reports. 


XXXX. Written confirmation that the inquiry has been deleted. 


XXXX. Investigation into how this inquiry was placed without my consent. 



I am also requesting that the CFPB take enforcement action if this entity is found to be conducting illegal or deceptive credit pulls. 

Attached are copies of my credit report showing the unauthorized inquiry. Please treat this complaint as urgent, as this impacts my credit profile and potential access to credit. 

Sincerely

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 2025-05-12 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: SC

Complaint narrative:
Experian has two account on my credit report from XXXX XXXX, with two difference balance. ONE account as of XXXX becoming a charge off and the other account in 30 days passed due. This incorrect information has cause my credit sore to drop 42 points and me denied credit. Please investigate this matter on my behalf. Thank you XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: MO

Complaint narrative:
Subject : Formal Complaint and Request for Immediate Removal of Inaccurate and Unverified Items from Credit Report To Whom It May Concern, I am writing to file a formal complaint against the following credit reporting agencies and/or furnishers for failure to comply with the Fair Credit Reporting Act ( FCRA ) : Experian / TransUnion / Equifax / XXXX Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have disputed several negative items appearing on my credit report that are inaccurate , incomplete , unverifiable, and/or obsolete. These items have not been validated within the required timeframe, and my previous disputes have either been ignored or falsely verified without proper investigation or documentation. 

Under Section XXXX and XXXX of the FCRA, I demand full documentation of any item verified as accurate. If such documentation can not be provided within the statutory time limits, these items must be deleted immediately. Continued reporting of these items without verification constitutes willful noncompliance and a violation of my consumer rights. 

I am requesting immediate CFPB investigation and enforcement action, including : Full removal of all unverified negative items Written confirmation of the results Fines or penalties for furnishers and/or agencies failing to comply with federal law Attached you will find my credit report, prior dispute letters, and any related documentation. This is your official notice to investigate and take corrective action without further delay. 

Thank you for your time and urgent attention to this matter. 

Sincerely

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 2025-05-12 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: MO

Complaint narrative:
Subject : Formal Complaint and Request for Immediate Removal of Inaccurate and Unverified Items from Credit Report To Whom It May Concern, I am writing to file a formal complaint against the following credit reporting agencies and/or furnishers for failure to comply with the Fair Credit Reporting Act ( FCRA ) : Experian / TransUnion / Equifax / XXXX Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have disputed several negative items appearing on my credit report that are inaccurate , incomplete , unverifiable, and/or obsolete. These items have not been validated within the required timeframe, and my previous disputes have either been ignored or falsely verified without proper investigation or documentation. 

Under Section XXXX and XXXX of the FCRA, I demand full documentation of any item verified as accurate. If such documentation can not be provided within the statutory time limits, these items must be deleted immediately. Continued reporting of these items without verification constitutes willful noncompliance and a violation of my consumer rights. 

I am requesting immediate CFPB investigation and enforcement action, including : Full removal of all unverified negative items Written confirmation of the results Fines or penalties for furnishers and/or agencies failing to comply with federal law Attached you will find my credit report, prior dispute letters, and any related documentation. This is your official notice to investigate and take corrective action without further delay. 

Thank you for your time and urgent attention to this matter. 

Sincerely

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXXXXXX XXXX XXXX  {$480.00} XXXX XXXX XXXX {$290.00} XXXX XXXXXXXX XXXX {$390.00} XXXX XXXX. XXXX Section XXXX A, states I have the right to privacy. 

XXXX XXXX. XXXX Section XXXX A section XXXX, states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX. XXXX. ( a ) ( XXXX ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions and crimes which antedates the reports by XXXX years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-05-13 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: AZ

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 explanation
Consumer complaint received 2025-05-13 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
My ex husband called me and told me I had a letter from XXXX XXXX sent to his home. He sent me the letter and my name and address was wrong. I called XXXX and explained the situation and explain that I believed it to be fraud. I was told that it did not matter. I never received anything about owing a debt from XXXX or XXXX- just this XXXX notice. I asked to speak to a XXXX and the representative did not provide me with a XXXX instead he placed me on hold and then came back after a bit and told me he would enter a dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: SC

Complaint narrative:
Here is a formal credit dispute letter you can use to dispute the account with XXXX under * * 15 U.S. Code 1666 * *, * * 15 U.S. Code 1666b * *, and * * 15 U.S. Code 1692g * *, based on your XXXX XXXX XXXX XXXX approval : * * XXXX * * XXXX XXXXXXXX XXXX XXXX, TX XXXX Dear XXXX Dispute Department, I am writing to formally dispute the accuracy of the information being reported on my XXXX credit report under the account listed above by * * EdFinancial Services * *. 

This dispute is being submitted in accordance with the Fair Credit Billing Act under * * 15 U.S. Code 1666 * * and * * 15 U.S. Code 1666b * *, as well as the Fair Debt Collection Practices Act under * * 15 U.S. Code 1692g * *. 

The account in question reflects a total amount of * * \ {$250000.00} * *, comprising the following amounts : \ {$25000.00} ; \ {$6000.00} ; \ {$260.00} ; \ {$5000.00} ; \ {$2800.00} ; \ {$9100.00} ; \ {$5400.00} ; \ {$10000.00} ; \ {$9700.00} ; \ {$25000.00} ; \ {$2700.00} ; \ {$3800.00} ; \ {$25000.00} ; \ {$24000.00} ; \ {$9500.00} ; \ {$5700.00} ; \ {$4800.00} ; \ {$5000.00} ; \ {$2800.00} ; \ {$240.00} ; \ {$13000.00} ; \ {$24000.00} ; \ {$4000.00} ; and \ {$26000.00}. 

However, * * this account was approved for full forgiveness * * under the * * XXXX XXXX XXXX XXXX as of XX/XX/year> * *. Therefore, the reported balance and collection status are * * inaccurate, misleading, and incomplete * * under the Fair Credit Reporting Act ( FCRA ). Furthermore, under 15 USC 1692g, any collector or data furnisher must cease collection activity until debt validation has been provided when requested.

* * I am requesting the following actions : * * 1. * * Immediate investigation * * into this account and validation of the reported debt ; 2. * * Correction or deletion * * of the inaccurate information from my credit file ; 3. A copy of all documentation used to verify this accounts accuracy ; 4. Written confirmation of the outcome of the investigation. 

Please consider this letter a formal dispute of the accounts accuracy. Under the FCRA, you are required to complete your investigation within 30 days of receipt of this notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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