vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FIRST HORIZON BANK
State: FL

Complaint narrative:
I am filing this complaint against First Horizon Bank regarding its failure to honor the terms of a promotional cash bonus that was promised upon opening my new account. 

On XX/XX/year>, I opened an account under XXXX XXXX promotional offer for a {$450.00} cash bonus ( Promo Code DSB XXXX ). I fully satisfied all the required terms, including : Making the required {$2000.00} deposit. 

Keeping the account open and in good standing for the required XXXX period. 

Despite completing these requirements, the bank has failed to deposit the promised bonus into my account. I have repeatedly contacted First Horizon Bank through its secure messaging system. While representatives initially acknowledged my eligibility and even confirmed that the promotion was attached to my account, they have continued to delay the payment. 

My wife, who also opened her own account on XX/XX/year> under the same promotion, has already received her {$450.00} bonus, further confirming that this is not an eligibility issue. 

I believe First Horizon Banks actions constitute deceptive and misleading advertising in violation of federal consumer protection laws, including the Truth in Savings Act ( Regulation XXXX ) and the Consumer Financial Protection Act ( UDAAP Unfair, Deceptive, or Abusive Acts or Practices ). 

Attached to this complaint are communications with the bank that document my repeated attempts to resolve the matter directly. 

I respectfully request that your office : Investigate XXXX XXXX Banks handling of this promotional offer. 

Require the bank to immediately issue the {$450.00} bonus to my account. 

Ensure compliance to prevent other consumers from experiencing similar unfair treatment. 

Thank you for your time and assistance in resolving this matter. Please let me know if you require additional documentation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-08 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: FL

Complaint narrative:
Recently I looked at copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate. 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 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 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  In accordance with the fair credit reporting act, has violated my rights. 

15 U.S.C 1681 Section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2025-09-08 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: FL

Complaint narrative:
Recently I looked at copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate. 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 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 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  In accordance with the fair credit reporting act, has violated my rights. 

15 U.S.C 1681 Section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: OH

Complaint narrative:
XXXX XXXXk Request Excessive Processing Delay -I submitted a XXXX XXXX request in XX/XX/year>2025.

-It has been 6+ months with no decision.

-I have followed up with my servicer at least two times and only receive generic in process responses.

-The ongoing delay is unreasonable and prevents me from obtaining the loan forgiveness I am entitled to.

Impact on Me : -I may qualify for XXXX  discharge, but the backlog prevents timely review. 
-I can not plan my finances because I dont know if I must keep making payments.

-Lack of transparency undermines my confidence in the process. 

Supporting Details : -Submission date : XX/XX/year>2025 -Follow-ups : XX/XX/year>2025 ( email ) & XX/XX/year>2025 ( chat ) -Current status : Pending, no decision

Company response to consumer: Untimely response
Consumer complaint received 2025-09-08 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: NJ

Complaint narrative:
This is now my XXXX disputea number that is absurd and unacceptable. The failure of the data furnisher and CRAs to comply with the FCRA, Metro 2 guidelines, and Consumer Law is now systemic and malicious. The account continues to report false, inconsistent, and outdated information, which is a violation of FCRA 623 ( a ) ( 1 ) ( A ) and Metro 2 reporting codes.

They are knowingly furnishing data that is not verified, not accurate, and not correctthis is now intentional misconduct, subject to penalties under FCRA 616 for willful noncompliance. The CRAs are complicit by continuing to report this information without independent validation.

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 2025-09-08 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: AL

Complaint narrative:
XXXX XXXX Capital one quicksilver XXXX XXXX was closed with fraudulent activity and I have not received my card as of yet it is being shipped

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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:
My credit profile is inaccurate which is not fair for me. Please investigate this and fix it. I'm really sick and tired of this. Should there be any updates on my inquiries. I'm gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I completed a mobile deposit on XX/XX/XXXX, for {$60.00} ; I still have the original check. I received a letter from Navy Federal on XX/XX/XXXX, advising that the check was returned due to duplicate presentment. I contacted the issuer, and they suggested that their bank, XXXX XXXX XXXX, confirmed the check was cashed. Still, they have no record of it being returned or that the check is a duplicate ( the issuer stated they had checked their records for a duplicate check ). NFCU has deducted {$60.00} from my account. I've contacted them several times, on XX/XX/XXXX, XXXX, and again on XX/XX/XXXX, and NFCU advised the Federal Reserve flagged the check as a duplicate. I contacted the XXXX and was told they don't handle these types of transactions between banks, so as you can see, I'm being tossed around and not understanding who is at fault and how to resolve, because the issuer will not re-issue a check that is shown cashed on their end.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: AL

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 explanation
Consumer complaint received 2025-09-08 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: FL

Complaint narrative:
My information was exposed in the equifax data breach and I have several fraudulent and inaccurate information on my credit report. This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within XXXX Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Accounts consists of : Accounts : 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  These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries and ftc report XXXX I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, 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 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name XXXX XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: TX

Complaint narrative:
I am not linked to these accounts in any way and believe them to be the result of fraud. Kindly delete them and review this matter thoroughly. Supporting documents are provided.

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 2025-09-08 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: TN

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 XXXX 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 XXXX you an additional XXXX XXXX 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 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 2025-09-08 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: TN

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 XXXX 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 XXXX you an additional XXXX XXXX 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 2025-09-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
To : Cash App Dispute Resolution/ Legal Department From : XXXX XXXX Account Holder Name : XXXX XXXX XXXX XXXXXXXX Email : XXXX Date:XXXX Subject : Demand for Refund of Unauthorized Transaction Made by a Minor Dear Cash App Dispute Resolution Team, I am contacting you regarding an unauthorized transaction made on my Cash App account in connection with a XXXX purchase . The charge was made by my XXXX XXXX, a XXXX, without my knowledge or consent. As his parent and the account holder, I did not authorize this transaction, nor did I benefit from it. 

Cash Apps own published policy states that you will refund any unauthorized transaction made by a XXXX. Despite multiple attempts to resolve this matter through your standard support channels, I have not received assistance or a refund. 

This situation falls under the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693 et seq., and Regulation E, which limit consumer liability for unauthorized transactions and require financial service providers like Cash App to : 1. Promptly investigate unauthorized transaction claims.

2. Provisionally credit the consumers account within 10 business days of notice.

3. Provide a written explanation of findings if denying a claim.

I am therefore formally demanding : A full refund of the disputed XXXX  transaction ( s ) totaling {$290.00} on the following dates XXXX XXXX Written confirmation that my claim has been reviewed and processed in compliance with Regulation E and Cash Apps own stated policies. 

Assurance that my account has been flagged for parental control or fraud prevention to avoid recurrence.

If I do not receive resolution within 10 business days, I will have no choice but to escalate this matter by filing complaints with the CFPB, XXXX XXXX XXXX XXXX XXXX  ), and my State Attorney Generals Office. 

Please consider this my formal written notice of an unauthorized electronic fund transfer under Regulation E. I expect confirmation of receipt and immediate corrective action.

Below is the requested information.

1.Merchant name : XXXX 2. Transaction date : XXXX 3. Transaction amount : {$290.00} 4. Reason for dispute : Unauthorized transactions made by a XXXX.

Please have someone contact me immediately. 

Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I cant open account its crazy what I got go through to open one account

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 2025-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Central Holdings, LLC
State: GA

Complaint narrative:
XXXX  XXXX XXXX XXXX XXXX XXXX, IL. XXXX Subject : Immediate Cease And Desist Validation And Legal Standing Demand To Whom It May Concern, This letter serves as a Formal Cease And Desist requiring your agency to Immediately Halt All Collection Activities And Communication regarding the alleged debt associated with Credit Central XXXX  XXXX Your agency is now on legal notice that I dispute the validity and legal enforceability of this alleged debt. I have reason to believe this debt may have been securitized, sold, or transferred. Therefore, I demand full documentation proving that your company has legal standing to collect or report this account Required Documentation To Prove Legal Standing XXXX. A copy your most recent XXXX SEC filing showing how this debt was accounted for in your financial disclosures XXXX. The XXXX SEC filing XXXX identifying whether this debt was included in a securitization trust XXXX. Full chain of title documentation, including all assignments, transfers, or sale of this debt XXXX. Any purchase or sale agreements related to this account, proving ownership and legal authority Legal Violations And Demand For immediate Remedy Failure To Verify Legal Ownership- Violation Of TILA 15u.s.c. 1641 ( g ), if the debt was sold, assigned, transferred the new owner was legally required to notify me within 30 days of the transfer. If you lack proper assignment records, you are collecting on a debt you do not legally own False And Misleading Reporting Violati Of FCRA 15 u.s.c. 1681s-2 ( a ), debt collectors are prohibited from reporting inaccurate, unverifiable, or disputed information to credit bureaus Securitization And Improper Reporting- Fraudulent Accounting Practices, if this debt has been securitized, charged-off, or written-off as a loss, but is still being reported, your company is not engaging in deceptive financial practices, violating FTC Act 15 u.s.c 45 Continued Collection Efforts After Cease And Desist request is received a debt collector must immediately stop all collection attempts Final Warning- Legal Consequences Of Non- Compliance XXXX. File formal complaint with Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals office for deception collection practices XXXX. Pursue legal action under FDPAu.s.c. 1692k and FCRA u.s.c. 1681n, seeking maximum statutory damages for noncompliance I expect a written response confirming your full compliance within 15 days of receipt of this notice XXXX XXXX XXXX

Company response to consumer: Closed with explanation