vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FIRST HORIZON BANK
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally correct a key misunderstanding in my original complaint ( CFPB Case XXXX XXXX ), which appears to have led to an incorrect denial and the closure of my account. 

The misunderstanding stems from the fact that I originally drafted the complaint using an automatic translation tool, as XXXX is not my first language. Unfortunately, the translation did not accurately reflect what actually occurred. 

To clarify : On XX/XX/year>, I deposited XXXX ( XXXX ) {$100.00} bills, totaling {$4000.00}, at the ATM located at XXXX XXXX XXXX, XXXX, TN. 
The ATM only credited {$40.00}, which means it registered only XXXX bill out of the forty I inserted. 
The reference to {$40.00} in my original complaint was mistranslated and misunderstood. I was not claiming that I intended to deposit {$40.00} I was explaining that only {$40.00} was credited, which was the issue I wanted resolved. 

I have already submitted supporting documentation, including evidence of the ATM transaction. Instead of correcting the error, the bank has closed my account and placed a false negative balance of - {$990000.00}, which I view as retaliation and bad faith. 

I respectfully request : XXXX. That the CFPB reopen this complaint based on the corrected information. 
XXXX. That the bank be required to perform a full audit of the ATM machine on XX/XX/year>. 
XXXX. That the CFPB review the banks decision to retaliate by closing my account with an unjustified negative balance. 

This situation has caused severe financial and emotional stress. I hope this correction makes it clear that the original confusion was the result of an unintentional translation error, not misinformation on my part. 

Thank you very much for your attention and support. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Phone : XXXX Date : XX/XX/year>XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: VA

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 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 non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am filing this complaint against XXXXXXXX XXXX  for illegally and inaccurately reporting a charged-off account on my credit report. The account in question is : XXXXXXXX XXXX Balance : {$160.00} Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Credit Limit : {$500.00} XXXX is reporting this account as a charge-off, which is considered gross income under IRS regulations XXXX A charge-off that qualifies as canceled debt should be reported to the IRS using Form 1099-C, not on a consumer credit report. 

Their reporting of this account is misleading and damaging. Under 15 U.S.C. 1681s-2, furnishers are prohibited from reporting information they knowor have reason to believeis inaccurate. Reporting a charge-off as a debt owed when its already considered canceled income is both inaccurate and deceptive.

This false information has caused harm to my credit, financial standing, and ability to qualify for essential needs like housing and credit access. 

I have demanded that XXXX delete this account from all consumer reporting agencies and provide a copy of any 1099-C that was issued, if applicable. So far, they have not complied. 

I am asking the CFPB to investigate XXXXXXXX XXXX for furnishing inaccurate and damaging information to the credit bureaus, and to compel them to delete this account from my credit reports immediately.

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 2025-04-16 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: NC

Complaint narrative:
I am filing this complaint against XXXXXXXX XXXX  for illegally and inaccurately reporting a charged-off account on my credit report. The account in question is : XXXXXXXX XXXX Balance : {$160.00} Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Credit Limit : {$500.00} XXXX is reporting this account as a charge-off, which is considered gross income under IRS regulations XXXX A charge-off that qualifies as canceled debt should be reported to the IRS using Form 1099-C, not on a consumer credit report.

Their reporting of this account is misleading and damaging. Under 15 U.S.C. 1681s-2, furnishers are prohibited from reporting information they knowor have reason to believeis inaccurate. Reporting a charge-off as a debt owed when its already considered canceled income is both inaccurate and deceptive. 

This false information has caused harm to my credit, financial standing, and ability to qualify for essential needs like housing and credit access. 

I have demanded that XXXX delete this account from all consumer reporting agencies and provide a copy of any 1099-C that was issued, if applicable. So far, they have not complied. 

I am asking the CFPB to investigate XXXXXXXX XXXX for furnishing inaccurate and damaging information to the credit bureaus, and to compel them to delete this account from my credit reports immediately.

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 2025-04-16 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: NC

Complaint narrative:
I am filing this complaint against XXXXXXXX XXXX for illegally and inaccurately reporting a charged-off account on my credit report. The account in question is : XXXXXXXX XXXX  Balance : {$160.00} Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Credit Limit : {$500.00} XXXX is reporting this account as a charge-off, which is considered gross income under IRS regulations XXXX A charge-off that qualifies as canceled debt should be reported to the IRS using Form 1099-C, not on a consumer credit report. 

Their reporting of this account is misleading and damaging. Under 15 U.S.C. 1681s-2, furnishers are prohibited from reporting information they knowor have reason to believeis inaccurate. Reporting a charge-off as a debt owed when its already considered canceled income is both inaccurate and deceptive. 

This false information has caused harm to my credit, financial standing, and ability to qualify for essential needs like housing and credit access. 

I have demanded that XXXX delete this account from all consumer reporting agencies and provide a copy of any 1099-C that was issued, if applicable. So far, they have not complied. 

I am asking the CFPB to investigate XXXXXXXX XXXX for furnishing inaccurate and damaging information to the credit bureaus, and to compel them to delete this account from my credit reports immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Netspend Corporation
State: WI

Complaint narrative:
Company name : Netspend Product : Prepaid card Issue : Charged more than expected What happened : On XX/XX/year>, I used a service called XXXX ( which I have used many times before ) to send {$8.00} worth of mobile minutes to a friend in XXXX. However, I was unexpectedly charged {$240.00}. I immediately contacted both the merchant and Netspend to dispute the charge. 

The receipt clearly shows that I only purchased XXXX XXXX of XXXX XXXX for {$7.00} with a {$1.00} processing fee, totaling approximately {$8.00}. There is no mention of a gift card or any other additional item that would explain the extra $ XXXX charge. 

The merchant ( XXXX ) initially told me I had also purchased a gift card, but never provided evidence of it. When Netspend investigated, the merchants response did not mention any gift card, and yet my claim was denied on the grounds that there was no error. This decision was made without acknowledging the receipt I later found and submitted, which clearly disproves the total amount charged. 

A Netspend representative told me that the charge must have been valid because I had a transaction history with the merchant, and that it came from the same IP address. However, past transactions and IP addresses do not justify unauthorized charges, and this response completely ignores the new evidence I provided. 

I believe Netspend failed to fairly evaluate the dispute, and I am now stuck with a {$220.00} overcharge that I did not authorize. I am seeking help to have this charge reversed and for Netspend to properly reconsider the dispute with all of the relevant evidence. 

Claim Number : XXXX Date of XXXX : XX/XX/year> Disputed Amount : {$220.00}

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 2025-04-16 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX there is no XXXX party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-04-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
b'I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on 3/9/2025. According to my rights under the Fair Credit Reporting Act (FCRA), specifically sections 611 (15 U.S.C.  1681i), 609 (15 U.S.C.  1681g), and 604 (15 U.S.C.  1681b), I demand an immediate resolution.\nUnauthorized Inquiries in Question: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 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 XXXXBasis for Dispute\nSection 611 (15 U.S.C.  1681i) requires a prompt investigation of disputed information. I submitted my dispute over 30 days ago and have yet to receive an adequate resolution.\nSection 609 (15 U.S.C.  1681g) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information.\nSection 604 (15 U.S.C.  1681b) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section.\nImmediate Request:\nI demand immediate action to resolve this dispute. Specifically, I request the following:\nThorough Reinvestigation: Conduct a thorough reinvestigation of the unauthorized inquiries.\nRemoval of Unauthorized Inquiries: Remove any inquiries found to be unauthorized from my credit report.\nUpdated Credit Report: Provide me with an updated copy of my credit report reflecting these changes.\n\nEnclosed are copies of my previous dispute letter and a copy of my identification for verification purposes.'

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 2025-04-16 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: AZ

Complaint narrative:
Upon reviewing my payment records, I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hi! I'm writing because I think there's some wrong information on my credit report that's messing up my credit score. I found out a company had a data breacha big mess-up where hackers stole people 's personal info, including mine. Now, I'm worried that some of the bad stuff on my report isn't even my fault. 
There's a law called the Fair Credit Reporting Act ( FCRA ) that says you have to check out my report if I tell you something's wrong. It gives you XXXX days to look into it. I'd really like you to fix or take off anything that's hurting my score, especially if it's there because of that data breach. 
Here 's what I want you to check : [ Insert Items Here ] Please take a good look at these things. If you find out they're not rightor if you can't prove they're XXXX XXXX true-can you please remove them or update them? It'd mean a lot to me if you could fix this fast. 
The FCRA is a rule from XXXX  that protects people like me. It says : If I tell you something's wrong, you have to investigate it in XXXX days ( or XXXX if I send more info later ). That's in Section XXXX ( a ). 
The companies that send you info ( like banks ) have to fix mistakes too, according to Section XXXX. 
If someone stole my identity because of the breach, Section XXXX says you have to take that junk off my report quick if I prove it.

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 2025-04-16 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: NC

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 15 USC 1681. 

Account name : XXXX  XXXX XXXX XXXX account number : XXXX Account name : XXXX XXXX account number : XXXX Account name : XXXX XXXX account number : XXXX. 
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681i
5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed

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 2025-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One add more interest of {$140.00} for a total of {$1100.00} without annuals fees then charge off my credit card on XX/XX/year> just after scheduling a payment for XX/XX/year> to lower my balance I understand that I have so many missing payments but they choose to close my account without warning or maybe because they don't want me to use my earnings mileage to purchase a flight ticket that I was searching for on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: VA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. This fraudulent, inaccurate, and false information consists of 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 XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My account with EXPERIAN was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


XXXX XXXX XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


EXPERIAN Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2025-04-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Paramount GR Holdings, LLC
State: FL

Complaint narrative:
I am filing a formal complaint against GoodLeap regarding a solar loan I assumed in XX/XX/XXXX, which has been riddled with performance failures, deceptive lending practices, and undisclosed fees. 

From the time I assumed the loan in XX/XX/XXXX through XX/XX/XXXX, the solar panel system produced no power. I have documentation from XXXX showing XXXX production for over XXXX  months. During this time, GoodLeap continued billing me monthly, despite repeated complaints and no functional benefit from the system. 

GoodLeap hired XXXX XXXX XXXX to replace the inverter in XXXX, but this did not resolve the issue. It wasnt until XX/XX/XXXX, that the XXXX app began showing minimal production. However, my electric bills have remained high, and any small decrease has been due to my enrollment in XXXX  XXXX XXXX XXXX XXXX XXXX program, not the solar system 's performance. 

In addition to non-performance, I discovered that GoodLeap added a XXXX  % hidden dealer fee ( over {$10000.00} ) to the loan without disclosing it. This fee was not itemized or communicated in the loan documentation and was only discovered through closer examination and comparison with other cases. I have since learned this same XXXX  % markup was applied to GoodLeap customers in Minnesota, indicating a pattern of systemic deception and predatory lending practices. 

GoodLeap is collecting on a consumer loan that financed a non-performing energy system and has refused to provide any meaningful resolution. This constitutes a violation of : The Truth in Lending Act ( TILA ) for failure to disclose fees FTC regulations regarding unfair or deceptive practices Floridas Deceptive and Unfair Trade Practices Act ( FDUTPA )

Company response to consumer: Closed with explanation