vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-21 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PNC Bank N.A.
State: SC

Complaint narrative:
I am making contact with lender to request a formal request for full accounting according to UCC 9 210 and GAAP and to cease and desist demand on all collection activity until my request fully honor. This is referencing to my XXXX XXXX purchase made XX/XX/year> from XXXX XXXX XXXX XXXX XXXX which was assigned to your institution. here is details on what i am lawfully requesting : Pursuant to Uniform Commercial Code 9-210, I hereby demand an authenticated, complete, and accurate accounting of the alleged obligation. This request expressly excludes billing statements or payment summaries, which do not satisfy the statutory requirement.

The accounting must include, at minimum : Documentary proof of assignment to your institution., or to any trust, trustee, trustee banks including endorsements, allonges, or assignment agreements ; Evidence of securitization or placement into any trust or pool, along with the chain of title of ownership ; The exact date and manner in which your institution acquired the account ; The original principal balance, itemized charges, and capitalized amounts ; A complete transaction-level payment history, identifying application of each payment ; The current balance, broken down by principal, interest, fees, and any other sums claimed ; Any charge-off, write-down, reclassification, or recovery entries, including dates and accounting treatment ; Identification of any third-party servicers, trustees, custodians, or participants ; and Copies of all books, records, agreements, and data relied upon to assert ownership or enforcement rights. 


Under UCC 9-210 ( c ), your institution is required to respond within fourteen ( 14 ) days of receipt of this request. Non-compliance subjects a secured party to liability under UCC 9-625.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
Before i wanted to cancel my cell phone service they did not want to cancel my service .It took me a week to cancel. They also made me pay everything I owed before they allowed me to cancel my service. I went to the T-mobile and I had to be there for hour on the phone just to do one simple cancelation. Now they are sending a collection payment that I dont owe any money to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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: LA

Complaint narrative:
I am submitting this complaint to formally request the immediate blocking and deletion of fraudulent accounts appearing on my credit report, which were created using my personal information compromised in the XXXX  data breach. Despite submitting a detailed dispute letter to the credit bureauincluding proof of identity theft, a list of unauthorized accounts, and personal identifiersthey have failed to take appropriate action within the timeframe required by the Fair Credit Reporting Act ( FCRA ) 1681c-2 ( a ). These fraudulent accounts continue to harm my credit profile and violate my rights under federal law. I am asking the CFPB to investigate this matter and compel the bureau to permanently remove the disputed items, provide written confirmation of the actions taken, and ensure full compliance with the FCRA and other applicable consumer protection statutes. This issue poses an ongoing threat to my financial security and demands urgent resolution. 
1. Identity Theft XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Please remove it 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 non-monetary relief
Consumer complaint received 2025-12-21 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: CA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-21 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: CA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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 non-monetary relief
Consumer complaint received 2025-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LJ Ross Associates
State: NJ

Complaint narrative:
I am filing a complaint regarding a collection account reported by L.J. Ross Associates. The collection agency failed to properly notify me of this debt because they sent all validation notices to an incorrect address.

The Process Failure : I moved residences prior to this account being assigned to collections. The agency continued sending mail to a previous or incorrect location. In a recent dispute response via XXXX, the agency 's own records admitted to an address discrepancy ( flagged as " Code D '' or " Different '' ). This confirms they were verifying the debt using an address that did not match my official credit file.

The Outcome : Because the agency failed to send the initial validation notice to my correct current address, I was unaware of the debt and was denied my federal right to validate it before it damaged my credit report.

Resolution : Upon discovering this error on my credit report, I paid the full balance ( {$3700.00} ) immediately. Since the delinquency was caused by the agency 's failure to direct mail to the correct location, reporting this as a negative " Collection '' is inaccurate and punitive. I am requesting that this trade line be deleted from all credit bureaus as the collection was established through improper notification.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I receive constant phone callsso many that I've had to set unknown numbers to go directly to voicemail. There are multiple calls in a single day, along with spam flooding my email account and threatening legal notices. These occur every day, including Sundays. The relentless harassment from a company I never opened an account with is extremely stressful, especially their threats about damaging my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
My GM MasterCard Rewards card issued by Barclays was hacked in XXXX or early XXXX. Since discovering the issues in early XXXX, I have had 7 telephone calls and at least 2 written letters with Barclays, including an affidavit of fraudulent use of a credit card, in attempts to resolve the unauthorized charges made by someone who changed all my contact information, requested an increase in the credit limit, added an unauthorized user, and made three ( 3 ) transactions on my account. In fact, after I spoke with Barclays Security Team and they indicated a new credit card with new numbers would be sent to me, apparently Barclays sent the new credit card to the address of the unauthorized user, as I did not receive the card. Barclays advised I did not need to pay my account ; however, late fees and interest charges continue to accrue. I have a written narrative of the issues and how I attempted to resolve the matter, as well as copies of the correspondence and affidavit I sent to Barclays. Please help me resolve this issue as I have never encountered this situation and Barclays is not providing a resolution to the 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 2025-12-21 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: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
I am a victim of the XXXX  data breach. My information was exposed and used by someone to open several accounts. XXXX  assist me with blocking the fraudulent accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: IN

Complaint narrative:
I am at the store trying to get a refund for some items that I bought I don't physically have my cash out card so I attempted to add my CASH APP card to XXXX XXXX. Upon trying to complete this process, with my XXXX XXXX, I was informed to call Cash App to verify my identity. I did as prompted, as of now, I've spoken to Two different customer service reps and support, that could not resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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:
I just recently looked at my credit report on XXXX  and Trans Union XX/XX/XXXX, XXXX i saw some hard inquiries that did not have permissible purpose. I also attached evidence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/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 non-monetary relief
Consumer complaint received 2025-12-21 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of 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 2025-12-21 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-21 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: NY

Complaint narrative:
You XXXX have furnished this account as a charge off / collection you are in violation of the Fair Credit Reporting Act 15 USC 1681. reported An account can not be a charge off and a collection at the same time! A charge off is a cancelled debt where a form 1099C must be issued to the consumer! How can you collect on a canceled debt? The collection on a cancelled debt that has been charge off constitutes tax fraud and the matter will be reported to the IRS! I will be filing a Form 3949-A

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and 56 financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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: VA

Complaint narrative:
CFPB Complaint Letter Inaccurate Post-Bankruptcy Credit Reporting Your Information Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, VA XXXX Creditor : XXXX XXXXSubject : Inaccurate Credit Reporting After XXXX XXXX XXXX Filing Complaint Narrative : I am submitting this complaint regarding XXXX, XXXX continued inaccurate credit reporting following my XXXX XXXX XXXX filing. 

I filed for XXXX XXXX XXXX protection on XX/XX/year>. This filing triggered the automatic stay and legally required creditors to cease collection activity and accurately report the status of accounts included in the bankruptcy. 

Despite this, XXXX reported a new delinquency dated XX/XX/year>, which occurred after my bankruptcy filing. This reporting is inaccurate and misleading. Accounts included in an active XXXX XXXX XXXX should not reflect post-petition late payments. 

I did not incur a new delinquency after filing. Reporting a post-petition delinquency misrepresents the account status and creates improper pressure to pay, undermining the protections afforded by bankruptcy law. XXXX  reporting also fails to meet its obligations to ensure accuracy under federal credit reporting laws. 

I have attached documentation showing : My XXXX  XXXX filing date of XX/XX/year> The credit report entry reflecting a XX/XX/year> delinquency Requested Resolution : I respectfully request that the CFPB require Affirm to : 1. Correct all inaccurate credit reporting to reflect that the account is Included in XXXX  XXXX XXXX. 
2. Remove the delinquency reported after XX/XX/year>, including the XX/XX/year> late payment. 
3. Ensure no further post-petition delinquencies are reported during the pendency of my XXXX  XXXX case. 
4. Provide written confirmation that all credit bureaus have been updated accordingly.

Additional Context : I have acted in good faith and provided timely notice of my bankruptcy filing. Continued inaccurate reporting after filing causes unnecessary harm and contradicts the purpose of consumer protection laws. I am requesting CFPB assistance to ensure compliance and prevent ongoing damage to my credit profile.

Thank you for your attention to this matter. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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:
There has been late payments record to all three of the major credit bureaus showing late payments, I am requesting Bank statements from XXXX XXXX  account showing when the payments was received if not able to provide this information I am requesting for the credit report to be mark as paid as agreed never late for the months you have provide to the credit bureaus as late.

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 2025-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
On [ XX/XX/year> ], my TD Bank debit card was lost/stolen and used without my authorization for a {$500.00} transaction to Paybis / XXXX ( crypto on-ramp ). 
I reported the fraud to XXXX XXXX within XXXX minutes of noticing the charge, and my card was immediately shut off. One representative told me the pending transaction would drop off within one business day, but a later representative said I must wait for the charge to post and then dispute it.

This is an unauthorized debit card transaction reported promptly, and I am requesting compliance with Regulation E, confirmation of XXXX  liability, and issuance of a provisional credit due to financial hardship and the proximity of the XXXX holiday. 
I am concerned about inconsistent information provided by XXXX XXXX  and delays in accessing funds needed for basic living expenses.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-21 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I am making contact with lender to request a formal request for full accounting according to UCC 9 210 and GAAP and to cease and desist demand on all collection activity until my request fully honored. This is referencing to my XXXX XXXX purchase made, my payments of {$870.00} which was assigned to your institution. here is details on what i am lawfully requesting : Pursuant to Uniform Commercial Code 9-210, I hereby demand an authenticated, complete, and accurate accounting of the alleged obligation. This request expressly excludes billing statements or payment summaries, which do not satisfy the statutory requirement. 
The accounting must include, at minimum : Documentary proof of assignment to your institution., or to any trust, trustee, trustee banks including endorsements, allonges, or assignment agreements ; Evidence of securitization or placement into any trust or pool, along with the chain of title of ownership ; The exact date and manner in which your institution acquired the account ; The original principal balance, itemized charges, and capitalized amounts ; A complete transaction-level payment history, identifying application of each payment ; The current balance, broken down by principal, interest, fees, and any other sums claimed ; Any charge-off, write-down, reclassification, or recovery entries, including dates and accounting treatment ; Identification of any third-party servicers, trustees, custodians, or participants ; and Copies of all books, records, agreements, and data relied upon to assert ownership or enforcement rights. 


Under UCC 9-210 ( c ), your institution is required to respond within XXXX ( XXXX ) days of receipt of this request. Non-compliance subjects a secured party to liability under UCC 9-625.

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