vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Description of the problem : On a recent call with a Bank of America ( BOA ) representative, I explained that while I had fallen behind on my auto loan payments due to a loss in income, I am currently earning additional income and planned to make a payment in XXXX. The representative instructed me to go ahead and schedule the payment so they could see it in the system. I followed his instructions and scheduled a payment for XX/XX/XXXX. 
Despite this, my vehicle was repossessed on XX/XX/year>, without any additional warning or communication. 
When I contacted BOA to check on the scheduled payment today, XX/XX/year>, the representative asked, " Is the vehicle there? '' I explained I had not been outside yet and would check. I checked while she was still on the phone and saw the truck was gone, I then informed her. She then asked me ( not verbatim, but you can review the recorded call ), Did you try to get in the vehicle when the guy came? This question felt inappropriate and accusatory, especially after I had just said I only now realized the car was gone. When I questioned why she was asking me that, she said, I just have to ask, but gave no real explanation. 
The representative also denied any record of the prior conversation I had with the employee who encouraged me to schedule the payment. She repeatedly referenced an earlier call from XXXX instead, despite my clear explanation that BOA contacted me and I followed the instructions I was given. 
To make matters worse, she then instructed me twice to cancel the XX/XX/XXXX payment, which I did, but not before taking a screenshot, which Ive attached to this complaint for reference. 

Why this is a problem : Miscommunication and Misleading Guidance : I was told to schedule a payment, which I did in good faith. Yet, BOA proceeded with repossession without informing me or following up. I was never told the vehicle was in active repossession status or at riskeven after I scheduled a payment. 

Unprofessional and Potentially Biased Conduct : The representatives line of questioning was inappropriate and made me feel profiled. The repeated and strange question about trying to get into the vehicle after it was being taken was unnecessary and suspicious in tone. 

Lack of Transparency : No clear notice was given about the vehicle being scheduled for repossession. No opportunity to resolve the issue with updated payment options was presented before the car was taken. 

No transparency or documentation : There was no follow-up, no written notice, and no confirmation that repossession was scheduledeven after I followed their suggested payment process as instructed.

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 2025-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE
State: ME

Complaint narrative:
In XX/XX/year>, I requested a payment plan from Barclays, which they approved. I am supposed to now pay XXXX dollars a month. 
Since then, my balance due continues to say XXXX XXXX  in spite of making XXXX payments of XXXX dollars within XXXX weeks of each other. The balance due never changed and I am uncertain of the due date of my regular payments or what is going on. 
I have logged in twice to ask for help and they tell me to call the XXXX number, which I can't do since I am working overseas in this moment. They have offered me no other way of communicating to figure out what is happening. 
I will not make any further payments until my account due date and amount is clarified. 
Thank 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 explanation
Consumer complaint received 2025-10-17 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: TD BANK US HOLDING COMPANY
State: LA

Complaint narrative:
The Target/TD account XXXX reported as a collection/charge-off, but the status and comments differ across all three bureaus. XXXX  shows paid, XXXX  shows derogatory, and XXXX  shows paid. Balances, dates last active, and charge-off comments are inconsistent. This violates FCRA 623 ( a ) ( 1 ) ( A ) ( accuracy in furnishing ) and XXXX XXXX, which requires uniform data across CRAs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I found hard inquiries I did not authorize and you kept them after I disputed. Inquiries require a permissible purpose under 15 U.S.C. 1681b. Show me who certified what, when, and under which 1681b clause, or remove them. This has dragged on for months and its costing mepricing, approvals, and time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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:
I did not authorize this inquiry, and I had no communication with the lender on that date.

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 2025-10-17 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:
RE : Method of Verification Request Verified Collection Account [ Account # ] I disputed a collection account listed on my credit report from XXXX XXXX XXXX ]. I recently received a response stating the account was verified. 

Under FCRA 611 ( a ) ( 7 ), I am requesting a detailed explanation of how the information was verified, including : XXXX. The name, address, and phone number of the party who verified the account. 
XXXX. What documentation was provided to verify the accuracy. 

Please provide this information within XXXX business days as required by law. 

THE INFORMATION IS INACCURATE. 

I requested that they provide me the accurate information to verify the debt but they never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: TX

Complaint narrative:
RE : Method of Verification Request Verified Collection Account [ Account # ] I disputed a collection account listed on my credit report from XXXX XXXX XXXX ]. I recently received a response stating the account was verified. 

Under FCRA 611 ( a ) ( 7 ), I am requesting a detailed explanation of how the information was verified, including : XXXX. The name, address, and phone number of the party who verified the account. 
XXXX. What documentation was provided to verify the accuracy. 

Please provide this information within XXXX business days as required by law. 

THE INFORMATION IS INACCURATE. 

I requested that they provide me the accurate information to verify the debt but they never did.

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 2025-10-16 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-16 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Benworth Capital Partners LLC
State: NY

Complaint narrative:
i received a bill to for loan # XXXX from Benworth Capital in the amount of XXXX, XXXX. I did not ever applied for, signed for, received or benefited fron any such proceeds .. i have files a complaint with the XXXX  XXXX XXXX by email ; XXXX and the XXXX XXXX XXXX  online. I also contacted Benworth capital by email : XXXX and submitted the requested document listed below 1.Declaration of Identiy Theft form 2.Identiy theft FTC report 3.New York State ID 4. Passport I also forwarded to the ( XXXX ) my requested XXXX Tax Return and XXXX  XXXX Bank Statement form XXXX to XXXX i needassitant to be release from the fraudulent loan

Company response to consumer: Untimely response
Consumer complaint received 2025-10-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I am filing this complaint because Experian, Equifax, and TransUnion have continued to report fraudulent and inaccurate information on my credit reports, despite my having submitted all required documentation proving I am a victim of identity theft and XXXX  XXXX  under FCRA Section 605B & 605C ( 15 U.S.C. 1681c-2, 1681c-3 ).

The credit bureaus continued failure to act violates : FCRA 605B ( 15 U.S.C. 1681c-2 ) Failure to block identity theft-related information within 4 days FCRA 611 ( 15 U.S.C. 1681i ) Failure to conduct a reasonable reinvestigation FCRA 607 ( b ) Failure to ensure maximum possible accuracy FCRA 605C Failure to block adverse information resulting from XXXX  XXXX  These violations have caused significant harm, including denial of credit, damage to my creditworthiness, and emotional distress.

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 2025-10-16 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: IN

Complaint narrative:
There is an account being reported in my name that I never opened, authorized, or managed. Its presence on my credit report is inaccurate and misleading, and it has caused real harm to my credit and undue stress. I require immediate clarification on why this account is being reported and which furnisher provided the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: TX

Complaint narrative:
The entry reported does not fairly reflect my payment record and seems mistaken. Kindly review and delete it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — Frequent or repeated messages
Company: National Credit Systems,Inc.
State: AL

Complaint narrative:
I was renting at XXXX XXXX XXXX where property damage was noticed by the property managers and was evicted from the residence. The amount owed to the apartment complex was an amount that I was not expecting due to the minor incident that it was. They have now put the total into collections on my credit report that is now negatively impacting my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SOFI TECHNOLOGIES, INC.
State: VA

Complaint narrative:
I have a Sofi credit card. Back in XXXX if scheduled numerous payments, but their app is not user friendly and is extremely confusing. I scheduled pay.e ts but it didn't show pending payments so I was having 2 payments taken out of my checking account. I called sofi to fix the issue and the agent said she could see pending payments that I couldn't. I asked if she could delete all the pending ones. She said all were deleted and then the call ended. I was then charged 2 payments. I called and sofi admitted it was an error on there part. So the next payment went out correctly. However XX/XX/XXXX sofi again took out 2 payment amounts when only one payment was set up. I called the number of a sofi rep named XXXX who was assisting me with figuring out what was going on. So she was asking me if I could see payments that were canceled on my app/account but still showed active on sofi side. I sent secured message to her showing screenshots from my app and computer showing no pending payments. My issue is scheduling payments with sofi is very hard to read as if you schedule them out they all show pending for the same day. Makes it extremely frustrating and difficult to understand. I find it very fraudulent that they are taking 2 payments when only 1 is authorized. I received an email from them the other day saying it could take a bit bc they are having their programmers looking into it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-16 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: FL

Complaint narrative:
My name is XXXX XXXX, and I am filing this formal complaint regarding the account originally with XXXX XXXX XXXX XXXX, later reported byXX/XX/XXXX ( Account No. XXXX ). 

I am requesting the immediate deletion of this account from my credit reports due to multiple, documented inaccuracies and violations of the Fair Credit Reporting Act ( FCRA ). 

Summary of inconsistencies : XX/XX/XXXXdoes not report this account at all, which indicates it is either closed, paid, or unverified by the furnisher. 
Equifax reports this same account under XXXX XXXX XXXX XXXX, showing a {$0.00} balance, status Closed, and marked as Transferred or Sold. 
TransUnion, however, reports it under XXXX with a {$20000.00} balance and status Collection / Charge-Off. This is materially inconsistent and can not be accurate for the same account. 

These contradictions across the credit bureaus demonstrate that the information being reported is inaccurate, unverifiable, and misleading. 
A single account can not simultaneously be reported as closed with XXXX balance by XXXX bureau and charged-off with a $ XXXX balance by another. This directly violates the FCRAs accuracy and verification requirements. 

Legal Violations : FCRA XXXX ( b ) ( 15 U.S.C. XXXX ( b ) ) Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information. 
FCRA XXXX ( a ) ( XXXX ) & ( a ) ( XXXX ) ( 15 U.S.C. XXXX ) If disputed information is found to be inaccurate or unverifiable, it must be promptly deleted from the consumers file. 
FCRA XXXX ( a ) ( XXXX ) ( A ) Information furnishers are prohibited from reporting information they know or should know is inaccurate. 

Because XX/XX/XXXX no longer reports this account, and Equifax confirms it as closed and sold with no balance, TransUnions continued reporting of a charged-off {$20000.00} balance is factually false and legally indefensible. 

Requested Resolution : In accordance with the FCRA, I request that : Both TransUnion and Equifax conduct a full reinvestigation of this account with the furnisher. 
Any unverifiable or inconsistent data be immediately deleted from my credit file. 
Written confirmation of the deletion or correction be provided to me. 

Attachments : Copies of my Equifax and TransUnion credit reports showing the inconsistencies, and confirmation that XX/XX/XXXX does not list this account. 

Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I am filing this complaint because Experian, Equifax, and TransUnion have continued to report fraudulent and inaccurate information on my credit reports, despite my having submitted all required documentation proving I am a victim of identity theft and XXXX  XXXX  under FCRA Section 605B & 605C ( 15 U.S.C. 1681c-2, 1681c-3 ).

The credit bureaus continued failure to act violates : FCRA 605B ( 15 U.S.C. 1681c-2 ) Failure to block identity theft-related information within 4 days FCRA 611 ( 15 U.S.C. 1681i ) Failure to conduct a reasonable reinvestigation FCRA 607 ( b ) Failure to ensure maximum possible accuracy FCRA 605C Failure to block adverse information resulting from XXXX  XXXX  These violations have caused significant harm, including denial of credit, damage to my creditworthiness, and emotional distress.

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 2025-10-16 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: MN

Complaint narrative:
I am filing this complaint because Experian, Equifax, and TransUnion have continued to report fraudulent and inaccurate information on my credit reports, despite my having submitted all required documentation proving I am a victim of identity theft and XXXX  XXXX  under FCRA Section 605B & 605C ( 15 U.S.C. 1681c-2, 1681c-3 ).

The credit bureaus continued failure to act violates : FCRA 605B ( 15 U.S.C. 1681c-2 ) Failure to block identity theft-related information within 4 days FCRA 611 ( 15 U.S.C. 1681i ) Failure to conduct a reasonable reinvestigation FCRA 607 ( b ) Failure to ensure maximum possible accuracy FCRA 605C Failure to block adverse information resulting from XXXX  XXXX  These violations have caused significant harm, including denial of credit, damage to my creditworthiness, and emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint because Experian, Equifax, and TransUnion have failed to remove or block fraudulent accounts and inquiries from my credit reports, despite receiving full documentation establishing that I am a victim of both identity theft and XXXX  XXXX. 

I have submitted multiple formal disputes and FCRA Section 605B & 605C packages to all three credit reporting agencies. These submissions included : My FTC Identity Theft Report ( FTC Ref. No. XXXX ) A XXXX XXXX Victim Self-Attestation Form signed and verified by a recognized anti-trafficking organization under 12 CFR 1022.142 Copies of my government-issued ID, Social Security card, and proof of current address Certified identity theft affidavits and detailed dispute letters identifying the fraudulent accounts and inquiries on my credit file The accounts in question such as XXXX CARD # XXXX and XXXX XXXX XX/XX/2025 were fraudulently opened without my consent and stem directly from XXXX XXXX exploitation. They do not belong to me, nor did I receive any financial benefit from them. 

Despite providing every required form of verification, the credit bureaus have failed to block these accounts within four ( 4 ) business days, as mandated under FCRA 605B and 605C. This ongoing inaction is a clear violation of my rights and has continued to cause harm to my creditworthiness, financial stability, and emotional well-being.

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 2025-10-16 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: FL

Complaint narrative:
These are inaccurate items. They show as late payments.

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