vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current
State: TX

Complaint narrative:
My Current account was suddenly restricted and I was locked out without prior notice on XX/XX/year>. I immediately complied with all identity verification requests and submitted every required document the same day, including my valid XXXX  passport, a selfie holding my passport, a current utility bill showing my address, and proof of my Social Security number.

The email from Current stated that if I needed faster assistance, I could reach out via chat in the app, so I did. During the chat, an agent named XXXX confirmed that my documents had been received and that my case was escalated to the Fraud/Compliance team for review. She stated the process could take 23 business days. I emphasized that I rely on these funds for essential living expenses and that I had fully complied with all verification requirements.

I later received an automatic acknowledgment confirming that my email and documents were received. However, despite full compliance, my account remains restricted, and I have not received any clear confirmation or timeline for resolution. These are my personal funds, and the ongoing restriction is causing serious financial hardship.

I am a non-U.S. citizen, and under 31 C.F.R. 1020.220 ( Section 326 of the USA PATRIOT Act ), my valid foreign passport fully satisfies U.S. federal identification requirements for non-citizens. The continued withholding of my verified funds violates the Electronic Fund Transfer Act ( 15 U.S.C. 1693 ) and the Consumer Financial Protection Act ( 12 U.S.C. 5531 ), which require financial institutions to handle consumer funds fairly, transparently, and without unreasonable delay once identity verification has been completed.

I am requesting that Current and its partner bank ( XXXX XXXX XXXX or XXXX XXXX XXXX  ) immediately review my case and restore access to my account or release my full balance without further delay.

Supporting documents, including the original verification email, my response with submitted documents, follow-up emails, and chat transcript, are attached as a single PDF packet titled XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Greetings, I am writing to formally dispute the fraudulent credit inquiries again that are currently listed on my credit report. I previously submitted a dispute request onXXXXregarding theseunauthorized inquiries, but they are still on my credit report. I am following up to insist on a thorough investigation and removal of these inquiries, which were made without my knowledge or consent.

Thank you for your prompt attention to this serious 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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I request the immediate removal of this late payment from my account, as it is not correct and does not show my true payment history. I have always made my payments on time, and this mistake should not be there. This was paid as agreed and should not be showing negatively on my report. Please update my account as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint because TransUnion LLC and XXXX XXXX XXXX/ XXXX XXXX XXXX have knowingly and willfully violated multiple provisions of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) through fraudulent reinsertion of deleted accounts, false reporting, and failure to validate or prove ownership of alleged debts. 

After a prior CFPB complaint ( # XXXX, filed XX/XX/year> ), XXXX submitted a document titled XXXX XXXX XXXX XXXX. That response did not include a bill of sale, assignment, chain of title, or Date of First Delinquency ( DOFD ). Resurgent even admitted it declines to provide the purchase agreement. This document fails the requirements of FDCPA 809 ( b ) and FCRA 623 ( a ) ( 1 ) ( A ) because it provides no legal proof of ownership or verification that the debt belongs to me. 

Despite these findings, TransUnion reinserted the same XXXX XXXX accounts in XXXX and XX/XX/year> after previously deleting them in XXXX. The new entries show Opened dates in XXXX and XX/XX/year>, missing payment history, Open account status, and inconsistent balancesall of which constitute unlawful re-aging and furnishing false information.

These actions violate : FCRA 611 ( a ) ( 5 ) ( B ) : Reinsertion without 5-day written notice or certification of accuracy.

FCRA 611 ( a ) ( 1 ) ( A ) : Failure to conduct a reasonable reinvestigation.

FCRA 607 ( b ) : Failure to maintain maximum possible accuracy.

FCRA 605 ( c ) : Unlawful re-aging of a charged-off debt.

FCRA 623 ( a ) ( 1 ) ( A ) & ( 2 ) : Furnishing information known to be inaccurate and failing to correct it.

FDCPA 809 ( b ) : Continuing to report and collect without proper debt validation. 

FDCPA 807 ( 2 ) ( A ) : Misrepresentation of the character and legal status of the debt.

TransUnions conduct constitutes blatant fraud and negligence. They knowingly relied on an invalid validation file, failed to notify me of reinsertion, and re-aged accounts that were previously closed. XXXX and XXXX continue to profit from this deception by furnishing unverifiable data that materially damages my credit standing. 

In CFPB v. XXXX, the Bureau found that XXXX unlawfully reinserted previously deleted information, failed to conduct reasonable reinvestigations, and violated FCRA 611 ( a ) ( 5 ) ( B ) and 607 ( b ). This agencys enforcement record confirms that the same duties now being breached in my case must be enforced.

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 2025-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This complaint is submitted by XXXX XXXX XXXX, XXXX, through its authorized representative XXXX XXXX, on behalf of XXXX XXXX, against BESTBUY/CBNA for violating the Fair Credit Reporting Act ( FCRA ). Despite multiple disputes, including a formal second notice dated XX/XX/year>, BESTBUY/CBNA continues to report an account without providing any proof of ownership or supporting documentation. Marking the account as verified without evidence is a willful and negligent act that disregards federal law. The companys refusal to comply has caused serious harm to the consumers credit, reputation, and financial standing. 

The complainant demands that BESTBUY/CBNA immediately provide full verification of the alleged account or permanently delete it from all credit reports. The CFPB is urged to take swift enforcement action to ensure compliance and hold BESTBUY/CBNA accountable for its continued violations of the FCRA.

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 2025-11-07 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: CA

Complaint narrative:
I am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal from my credit report.

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 2025-11-07 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Refund from XXXX XXXX honored and handled correctly on XX/XX/year>. Refund disappeared on XX/XX/year>. Material alteration in BoA records deleted this. XXXX violation 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 monetary relief
Consumer complaint received 2025-11-07 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: TX

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: FL

Complaint narrative:
Experian is reporting a 30-day late payment for a closed and paid account, but the dates of last activity and reporting do not match XXXX  or XXXX. Experian lists XX/XX/year> as the last activity date, while other credit bureaus report different dates. This inconsistency proves that Experian can not accurately verify the alleged delinquency. Reporting unverifiable or inconsistent data violates the Fair Credit Reporting Act ( FCRA ) 607 ( b ) and 623 ( a ) ( 1 ) ( A ).

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 2025-11-07 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: PA

Complaint narrative:
I reviewed my credit report and noticed inaccuracies in certain accounts that need to be reported and corrected

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 2025-11-07 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: TX

Complaint narrative:
I am formally requesting the prompt removal of the unauthorized accounts listed on my credit report, as I neither authorized nor was aware of their existence. In compliance with 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Enclosed are supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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:
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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-11-07 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:
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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-11-07 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: TX

Complaint narrative:
I was surprised to find a late payment listed on my account, especially given my consistent history of timely payments. This error is causing undue XXXX, and I kindly request that you correct my records promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: VA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2025-11-07 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: MS

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: TX

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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:
Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

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 2025-11-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am writing to raise a concern regarding guidance I received from one of Navy Federal 's VA loan agents, XXXX. On XX/XX/year>, she sent me the following email ( copied below ) stating that VA Cash-Out refinances are not available for properties that are owned free and clear and that this is a VA requirement, not only a Navy Federal policy .

Based on official VA guidelines, the VA does permit cash-out refinancing on homes owned free and clear, and there is no requirement that a property have an existing lien. Therefore, I believe the information provided to me may be misleading or inaccurate, and it could impact a veterans ability to access their VA benefits. 

I request that this matter be reviewed and clarified, and that any necessary steps be taken to ensure that accurate VA loan information is provided to members. 

Thank you for your time and attention. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SYNCHRONY FINANCIAL
State: MT

Complaint narrative:
On XX/XX/year> Final Payment was made to Synchrony Bank, XXXX XXXX XXXX, XXXX, PA XXXX At that time I asked them for a release of lien to be emailed to me, they said, " they can't ''. I then asked for it to be faxed and they said, " they can't ''. I was told the only option is for them to mail me the title and release of lien. I was also told it would take up to a month to get, which I was not happy with and questioned, but to no avail.

My wife and I then, on or around XX/XX/year> called Synchrony Bank to ask if they had sent it as we had not received anything from them yet. We were told, " they did '', and that we should expect to see it any day now. 
On XXXX, after almost forgetting about it because it has been nearly two months now, I asked my wife if we had received anything from them and she informed me no... We then called Synchrony Bank again on the XXXX of XXXX and after being on hold for over 30, three to four times, and being transferred to three different people, were told they need to " get approval from a supervisor to reissue another document ''. I again, asked them to email me something from their bank indicating this has been paid off and they said they can't, after putting me on hold with blaring music. I asked them to fax me something, they said they can't. I then began to remember the one month that I was five days late making a payment, and they hit me with a {$40.00} late charge, even though it was half their fault because they mail out a statement every month that I have to mail back to them with a check because they have no online banking capabilities. Furthermore, we would not receive their " payment stub '' until the XXXX of the month sometimes and had to have the payment there by the XXXX or they would hit me with late fees, and we live in Montana which it takes a minute to get from MT to PA, but they didn't care. But now, they are holding an asset over me, that I fulfilled my end of the bargain.

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