vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
I dont have a fax machine so I would like to provide this paper

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 2025-12-27 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: PA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 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 recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp.
State: NJ

Complaint narrative:
Absolute Resolutions Investments is reporting a collection account to XXXX XXXX, and XXXX  without providing legally required validation. 

The company has failed to provide proof of legal ownership, a complete chain of title, the original signed contract, or the Date of XXXX  Delinquency from the original creditor. Despite this, they continue to report the account as a valid collection. 

The tradeline also contains inaccurate information, including improper account terms ( XXXX  Month ) and failure to clearly identify the original creditor, in violation of the Fair Credit Reporting Act and FDCPA. 

I am requesting that this account be fully validated or permanently deleted from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: VA

Complaint narrative:
I am submitting this complaint because this collection agency is furnishing my personal information without a permissible purpose and without my authorization, which constitutes a breach of my personal data. 

I have never had any business relationship, services, or contractual dealings with these companies. I did not authorize them to obtain, access, store, or furnish my personal identifying information. 

Under FCRA 604, a consumer reporting agency or furnisher may only access or report consumer data for a lawful and permissible purpose. At this time, no such purpose has been demonstrated. This company has not provided documentation showing : A valid consumer transaction involving me Lawful assignment or ownership of the alleged his My consent to access or furnish my credit information A legitimate purpose for accessing my credit file Because no permissible purpose has been established, the continued reporting of this account appears unauthorized and unlawful. 

The appearance of this account on my credit report indicates that my personal data may have been obtained or used without authorization, raising serious concerns of improper data handling and potential data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
I am submitting this complaint due to Mr. Coopers failure to conduct a reasonable investigation and failure to provide required information in response to my Qualified Written Request ( QWR ), Notices of Error ( NOE ), and Requests for Information ( RFI ), submitted under RESPA ( 12 U.S.C. 2605 ) and Regulation X ( 12 CFR 1024.35 and 1024.36 ).

Mr. Cooper issued written Resolution responses asserting that no servicing errors occurred and that a reasonable investigation had been completed. However, the company relied on conclusory statements without producing the documents it claims to rely upon and failed to reconcile inconsistencies raised in my requests. 

In its responses dated XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mr. Cooper stated that : The original wet-ink note serves as collateral and will not be produced until the loan is paid in full A true and correct copy of the note was sufficient The Deed of Trust identifies the property as XXXX XXXXXXXX XXXX XXXX  XXXX XXXX A complete transaction history and escrow information had been provided XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is the current owner of the Note Mr. Cooper possesses the collateral file containing the original wet-ink signature note No servicing errors occurred following a reasonable investigation Despite these assertions, Mr. Cooper did not provide : Any assignments, endorsements, allonges, or chain-of-title documents supporting ownership by XXXX XXXX Any custodial agreement, bailee letter , or corporate authorization showing Mr. Coopers authority to act on behalf of XXXX XXXX Any MERS MIN registration history or transfer milestones Any escrow disbursement proof, tax receipts, or insurance payment records Any reconciliation addressing conflicting property address usage across loan documents and servicing records Any documentation showing that negative credit reporting was paused during the active QWR/NOE investigation Mr. Cooper further stated that my follow-up Notices of Error do not constitute valid requests under RESPA, despite responding substantively to them. This position is not supported by Regulation X and does not relieve the servicer of its duty to conduct a reasonable investigation or provide the documents relied upon. 

On XXXX XXXX XXXX, I submitted a Second Notice of Error identifying only unresolved failures. Mr. Cooper has not corrected these issues or produced the requested documents.

I am requesting CFPB review of whether Mr. Cooper complied with its RESPA and Regulation X obligations, including whether a reasonable investigation was conducted and whether required information was improperly withheld.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: MS

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Mississippi XXXX XXXX XXXX XXXX XXXX Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX, Minnesota XXXX Subject : Cease and Desist Demand Dear Jefferson Capital Systems, I am writing to formally demand that you cease and desist all communication and collection efforts regarding the alleged debt associated with my name and account number and social security number ending in XXXX. Your actions are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, et seq. 

I have received multiple communications from your office regarding this alleged debt, which I believe to be inaccurate and misleading. Specifically, the constant letters that I have received in regard to this matter, in addition to this matter reflecting negatively on my credit report. 

Fair Debt Collection Practices Act ( FDCPA ) : Under 15 U.S.C. 1692e, it is unlawful for a debt collector to use any false, deceptive, or misleading representation in connection with the collection of a debt. Your recent correspondence violates this provision.

Case Law : In XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX ), the court held that debt collectors must provide accurate information regarding the debts they are attempting to collect. Furthermore, in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), the court reinforced that consumers have the right to dispute the validity of debts, and collectors must cease communication upon receiving such disputes. 

I hereby demand that you : Cease all collection activities and communication regarding this alleged debt. 
Provide written confirmation that you have ceased all actions related to this matter. 

Failure to comply with this demand will leave me no choice but to pursue legal action to protect my rights under the FDCPA and other applicable laws. I expect a response to this letter within 30 days. Please send your response to the address listed above. 

Thank you for your immediate attention to this matter .Sincerely,, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I am filing this complaint against Credence Resource Management regarding an alleged collection account originally attributed to XXXX XXXX XXXX. I never received any initial written notice of this debt prior to it being placed on my credit report, in violation of FDCPA 809 ( a ), and first became aware of this account only through credit reporting. Upon review, I discovered that this same XXXX XXXX XXXX account is being reported by multiple collection agencies, including another collector reporting a {$0.00} balance, while Credence Resource Management is reporting an active balance of {$360.00}. These conflicting representations raise serious concerns regarding ownership, accuracy, and legal standing. If another collector is reporting this debt as satisfied, settled, or with a XXXX balance, Credence must demonstrate lawful authority to collect and report a remaining balance. After disputing the account, I requested proper validation ; however, Credence failed to provide proof of ownership or assignment from XXXX XXXX XXXX, a complete chain of custody, an itemized accounting explaining how the balance was calculated, or any contract or service agreement bearing my signature. Internal summaries or recycled creditor data do not constitute validation. Continued reporting of a balance that directly contradicts other credit reporting data constitutes materially inaccurate and misleading reporting under the FCRA and XXXX XXXX guidelines. Credences failure to resolve these discrepancies while continuing to furnish the account demonstrates willful noncompliance rather than an isolated error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 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:
b'Experian is continuing to report a XXXX XXXX Bank, XXXX tradeline with an outstanding balance/derogatory status even though the creditor backed out of its lawsuit and the case was dismissed by court order.\n\nThe lawsuit was in XXXX  County Justice XXXXXXXX XXXX XXXX XXXX XXXX  Cause No. XXXX XXXX XXXX  Bank filed a Notice of Nonsuit and the court entered an Order dismissing the case (no judgment and no adjudication of liability). The court file shows the amount claimed was $XXXXDespite my prior dispute(s) and despite court disposition documentation, Experian verified the item anyway. Prior investigations were completed in fewer than five days, which is not a reasonable reinvestigation. Reporting a dismissed legal claim as an active debt is materially misleading and inaccurate.\n\nI demand deletion of the XXXX XXXX Bank tradeline and written confirmation that the inaccurate information has been removed. My dispute package was sent via XXXX Certified Mail tracking 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 2025-12-27 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: HI

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX XXXX XXXX TransUnion credit report on XX/XX/year>XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 2025-12-27 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: NJ

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX  Equifax XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
On XX/XX/year> I requested a disclosure about Navy Federals ability to legally or lawfully take my funds out of my checking account to pay a loan I was not ready to pay. This was fraud and unauthorized by myself. I am the account owner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
Venmo is improperly withholding {$7000.00} of my money without providing a valid justification, evidence of wrongdoing, or a clear path to resolution. 

On XX/XX/year>, I received {$7000.00} through Venmo from lawful, legitimate transactions. Shortly thereafter, Venmo restricted my account and froze the funds. Venmo has made vague references to a review or potential policy issue but has never identified any specific violation, nor provided evidence supporting the continued hold. 

I immediately contacted Venmo and disputed any allegation of fraud or suspicious activity. I fully complied with all requests for information and verification. Despite my cooperation, Venmo has refused to release the funds and has failed to provide a written explanation describing the legal or contractual basis for withholding my money. 

Venmos actions constitute an unreasonable and indefinite deprivation of consumer funds. The company has neither returned the {$7000.00} nor provided a timeline, resolution criteria, or meaningful explanation. Repeated requests for clarification have been ignored or met with generic responses. 

As of XX/XX/year>, Venmo continues to hold the {$7000.00} without justification. This conduct is causing ongoing financial harm and appears to be an unfair and abusive practice. I am requesting that Venmo be required to either immediately release the {$7000.00} or provide a detailed written explanation, including the specific policy allegedly violated, the evidence relied upon, and the exact steps required for resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions 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 explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
All of my transactions disappeared for an hour or more and Navy federal credit union has some shady employees that are embezzling money from a XXXX XXXX XXXX which is unjustly enrichment and larceny it is premeditated and goes against the ADA Act as well as the UNRuh Act!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: MCMC Auto LTD
State: TX

Complaint narrative:
On XX/XX/XXXX, I reached out to the lienholder/finance company, MCMC Auto XXXX and spoke with a lady named XXXX XXXX XXXX I expressed to XXXX XXXX that my then vehicle, a XXXX XXXX XXXX, had been towed by a XXXX party company, XXXX XXXX and I could not afford to retrieve the vehicle. I asked if the finance company would be willing to retrieve it for me. XXXX XXXX advised that they could retrieve the vehicle however, it would be more costly to me, which created additional financial strain on me. Please note, I had just made payment arrangements on XX/XX/XXXX to have my payment deferred/extended to XX/XX/XXXX. I then expressed to XXXX XXXX that I may have to surrender the vehicle due to my financial stress. I mentioned the cost associated with recovering the vehicle in addition my next payment due, may be too much for me to handle. During this phone, call I initially requested to surrender the vehicle however, after further discussion with XXXX XXXX, I decided against surrendering the vehicle. I communicated this directly to her and rescinded my request to surrender the vehicle. XXXX XXXX refused my request by phone, although I was clear and adamant about not surrendering the vehicle. She advised me, by phone, that they would repossess my vehicle. That left me frustrated and feeling completely helpless. I honestly felt that was extremely predatory and manipulative to continue with submitting the request for repossession. I then decided to follow-up with an email to the company and her, requesting in writing that I do not desire for them to retrieve my vehicle and that I had other options available. I did not receive a response to that, and they retrieved my vehicle, against my will, from XXXX XXXX on XX/XX/XXXX. 

The following documents attached are my original contract, my deferment agreement regarding the payment due for XX/XX/XXXX, the receipt from XXXX XXXX where MCMC Auto paid to retrieve my vehicle against my will, and documents showing they were in possession of my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: NV

Complaint narrative:
In XX/XX/year>, I purchased a XXXX XXXX XXXX ( approximately {$5000.00} ) using XXXX XXXX financing. Upon initial setup, the unit immediately leaked a large volume of water from visible cracks along the bottom edge of the housing, creating a puddle on the floor and rendering the unit unusable. 

I contacted XXXX support immediately, documented the defect, and requested a return due to the product being defective on arrival. I was clear in writing that I would not agree to pay return shipping or a restocking fee for a broken device. 

Despite this, XXXX assessed a XXXX % restocking fee and a {$38.00} return shipping fee. I disputed these charges directly with the company, explaining that the product was defective and that I did not owe these fees. XXXX did not resolve the issue and later the disputed charges were sent to collections. 

I do not owe this debt. It arises solely from fees improperly charged for the return of defective merchandise. I am requesting that collection activity stop and that the debt be withdrawn 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