vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
Subject : Credit card canceled despite full payment + unfair checking account fees I had a Bank of America credit card ( ending in XXXX ) that I regularly used and paid in full. On XX/XX/year>, I received a final warning email about a possible charge-off. I immediately paid the full balance of {$870.00} that same day via online banking. 

However, the bank still canceled my credit card shortly after without clear notification in the app or an opportunity to prevent the cancellation. The card disappeared from my mobile banking, and no new one was issued. I was never properly informed that paying the full amount wouldnt reverse the process. 

To make matters worse, my checking account ( XXXX XXXX Banking ) which I wasnt using anymore started to incur monthly maintenance fees ( {$12.00} per month ) despite having no activity and no remaining products attached to it. 

I am XXXX  a U.S. resident and I live abroad. I tried to resolve this through international calls, which are expensive and unreliable, but I was disconnected after more than XXXX minutes on hold. I also attempted to use the apps virtual assistant, but it redirected me to phone support.

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 2025-08-06 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:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am attaching a copy of my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER : XXXX ) as evidence of my claim. 
According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as a result of such theft within four ( 4 ) business days. 
The following information on my credit report is the result of identity theft and must be blocked XXXX XXXX XXXX  XXXX XXXX Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately blocked from my credit report. This block should remain in effect for a period of one year, after which I may request an extension. During this time, no information may be reported.

I have contacted EXPERIAN multiple times to report these accounts, but I have not received a clear or definitive resolution to help me resolve this situation. This situation is severely affecting me as I am trying to purchase a new home for my children and obtain financial tools to support my economic growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm. 
These accounts have already been removed and were not verified by other credit agencies, so I do not understand why this agency continues to assert that these accounts belong to me. 
I have requested copies of the contracts related to these accounts from the reporting company, and after more than XXXX XXXX I have not received any response. I respectfully request your assistance in removing these accounts 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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
My auto loan with Huntington Bank was never properly resolved after my vehicle was totaled in XX/XX/XXXX. My insurance paid out immediately, and I expected the remaining balance to be covered by the GAP insurance that was purchased with the loan. However, I later found out that Huntington still reported missed payments from XXXX and XXXX, despite knowing the vehicle was totaled. 
I was not given a detailed bill despite multiple requests, and the dealership I financed through ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX PA XXXX ) had to uncover the truth for me months later ( XXXX, XXXX, XXXX ). GAP benefits were never paid to Huntington, but all warranties had been canceled, so the claim should have been processed. This has resulted in a delinquent balance showing on my credit report that is inaccurate and unfair. 
Huntington failed to properly communicate with me or process the claim, and I am requesting that : The account be thoroughly reviewed, Any negative reporting removed from my credit file, And an explanation be provided regarding why GAP didnt cover the remaining balance.

I am also requesting a detailed billing history for the months following the loss. 
This reporting may violate my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ), which requires furnishers of information to ensure accuracy and respond to disputes within 30 days. Huntington has failed to provide proper documentation or respond adequately to my repeated requests for clarification and correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-08-06 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: MA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
On XX/XX/year>, I sent a formal debt validation and cease-and-desist letter to Portfolio Recovery Associates after receiving communication from them regarding an alleged debt. I requested verification of the debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ). As of todays date, they have not responded with any verification or documentation proving that the debt is valid or that they are legally authorized to collect it.

Additionally, this debt was originally owed to another company and appears to have been sold or transferred. Portfolio Recovery is acting as a third-party debt collector. I have reason to believe that the debt may be time-barred under Floridas statute of limitations ( 5 years for credit card debt ), and they have not disclosed this. 

To my knowledge, Portfolio Recovery is not licensed to collect debt in the state of Florida, which is a legal requirement. Despite this, they have continued to report this account to the credit bureaus, damaging my credit profile. 

I am requesting that this account be removed from my credit report immediately due to their failure to validate the debt, possible unlawful collection activity in Florida, and violation of my rights under state and federal laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FIRST ADVANTAGE CORPORATION
State: AR

Complaint narrative:
b"I applied for a XXXX XXXX  position at XXXX XXXX  after applying and doing the hiring packet they done a background check on me. I have been out of trouble and clean and doing good for over 8 1/2 years now. so I was under the impression that they cannot report anything that's over seven years or older. So when they got my background check they sent me a copy of it and I called them to verify what they sent me which it was. Everything they have on this report is seven years or older. On top of that the time of the incident that was over 7 1/2 years ago they had my wrong last name and the time of incident so that's incorrect information I need to know what are my options because this is keeping me from getting an appointment at any place worth having a job at ."

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Portfolio Recovery i have asked on several occasions to provide proof of verification and they have not.Portofiolo Recovery just keeps calling me and harassing even on sunday mornings when i am in church.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax is inaccurately reporting my federal student loan account as delinquent under the name " Department of Education '' with a 120-day late payment in XX/XX/year>. However, this loan is serviced by XXXX, and my XXXX account shows no late payments at all it is in good standing and marked " Paid as Agreed. '' I already submitted a complaint, and Equifax responded by saying that XXXX is reporting the loan as current and with no late payments, which is true. However, the delinquency is still appearing on my credit report under the separate listing for " Dept of Ed, '' not XXXX. 

This is misleading and damaging. The loan should not be reported as late under any name. The Dept of Ed listing is clearly tied to my XXXX account and is duplicating incorrect delinquency information. 

I have attached screenshots showing : The XXXX account in good standing with no late payments. 

The Dept of Ed listing showing a 120-day past due mark.

The Equifax response incorrectly claiming the dispute was resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: MS

Complaint narrative:
Debit card was not sent to the proper address. Change of address was requested XX/XX/XXXX. Was specific about the address and when the debit card would arrive and if the change of address would affect the arrival time of the debit card. I was assured there would be no issue. The address change did not seat or take according PNC rep and there was an issue. Now I cant pay my rent or electric, access any funds and their suggestion was to drive 4 hours away to go to a branch and get a debit card that should have already been mailed. Are they going to pay for the gas to get to the bank? Are they going to pay me my wages while I have to drive?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: NJ

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am attaching a copy of my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER : XXXX ) as evidence of my claim. 
According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as a result of such theft within XXXX ( XXXX ) business days. 
The following information on my credit report is the result of identity theft and must be blocked XXXX XXXX XXXX XXXXXXXX Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately blocked from my credit report. This block should remain in effect for a period of XXXX year, after which I may request an extension. During this time, no information may be reported. 
I have contacted EQUIFAX multiple times to report these accounts, but I have not received a clear or definitive resolution to help me resolve this situation. This situation is severely affecting me as I am trying to purchase a new home for my children and obtain financial tools to support my economic growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm. 
These accounts have already been removed and were not verified by other credit agencies, so I do not understand why this agency continues to assert that these accounts belong to me. 
I have requested copies of the contracts related to these accounts from the reporting company, and after more than XXXX  days, I have not received any response. I respectfully request your assistance in removing these accounts immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: PA

Complaint narrative:
My auto loan with XXXXXXXX XXXX was never properly resolved after my vehicle was totaled in XX/XX/XXXX. My insurance paid out immediately, and I expected the remaining balance to be covered by the GAP insurance that was purchased with the loan. However, I later found out that XXXX still reported missed payments from XXXX and XXXX, despite knowing the vehicle was totaled. 
I was not given a detailed bill despite multiple requests, and the dealership I financed through ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX PA XXXX ) had to uncover the truth for me months later ( XXXX, XXXX, XXXX ). GAP benefits were never paid to XXXX, but all warranties had been canceled, so the claim should have been processed. This has resulted in a delinquent balance showing on my credit report that is inaccurate and unfair. 
XXXX failed to properly communicate with me or process the claim, and I am requesting that : The account be thoroughly reviewed, Any negative reporting removed from my credit file, And an explanation be provided regarding why GAP didnt cover the remaining balance. 
I am also requesting a detailed billing history for the months following the loss.

This reporting may violate my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ), which requires furnishers of information to ensure accuracy and respond to disputes within 30 days. XXXX has failed to provide proper documentation or respond adequately to my repeated requests for clarification and correction.

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, 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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$950.00} XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$130.00}

Company response to consumer: Closed with non-monetary relief