vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-29 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: PROVIDENT FUNDING ASSOCIATES
State: AZ

Complaint narrative:
I requested information specifically about my loan after completing a forbearance and starting a loan modification. The proceeded to tell me I was the lender on the loan, not them. I requested all information on the loan to understand if they filed and acquired it legally. My first request was on XX/XX/XXXX. See my recent letter below that shows what I requested and the XXXX different attempts : Summary of Complaint I am the borrower on the above mortgage. On XX/XX/XXXX I sent a written Request for Information and Accounting under RESPA and UCC 9-210. Provident Funding has not provided a complete and accurate response and instead threatened foreclosure. I am requesting regulatory review and enforcement. 
-- - TIMELINE OF EVENTS Date Action Taken Details/ Certified Mail No. 

XX/XX/XXXX Initial XXXX XXXX XXXX XXXX XXXXequest : XXXX. Mail XXXX. XXXX XX/XX/XXXX Notice of XXXX : XXXX. Mail No XXXX XX/XX/XXXX Notice of XXXX & XXXX to Cure : Cert Mail No XXXX XX/XX/XXXX Foreclosure-threat letter received from Provident XX/XX/XXXX Notice of Rejection for Extension : Cert. Mail XXXX XXXX -- - REQUESTED RELIEF Please : XXXX. Require Provident Funding to provide a full, accurate accounting of the loan, including complete payment history, ownership of the note, and servicing transfers ( provide proof of consideration, complete chain of title, and full accounting ) 2. Investigate potential violations of RESPA and applicable state mortgage-servicing laws. 
XXXX. Ensure foreclosure proceedings are paused until all requested information is produced and errors corrected. 
LIST OF EXHIBITS Exhibit A Original UCC 9-210 / RESPA Request ( sent XX/XX/XXXX ) Exhibit B USPS Proof of Delivery ( XXXX XXXX XXXX XXXX  ) Exhibit C Notice of Deficiency ( XX/XX/XXXX ) Exhibit D Notice of XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) Exhibit XXXX Provident RESPA letter ( XX/XX/XXXX ) Exhibit F Notice of Rejection for Extension * The Exhibit file is to large to attach in this link -- please advise *

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: Absolute Resolutions Corp.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XX/XX/XXXX. 2025 Absolute Resolutions Investments XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX ( XXXX ) XXXX Re : Cease and Desist FDCPA Rights Dear Absolute Resolutions Investments, I am writing in regard to the account referenced under your collection efforts : Account # XXXXXX/XX/XXXX 

This letter is a formal notice that, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. XXXX ( c ), you must immediately cease all communication with me regarding this alleged debt, except as permitted by law ( such as to notify me of specific legal actions you intend to take ). 








I demand that you : XXXX. Cease all telephone calls, written correspondence, or any other forms of communication to me, my family, my employer, or any third party. 
XXXX. Refrain from reporting or further updating negative information about this alleged debt to any credit reporting agency while its validity remains disputed. 
XXXX. Provide written confirmation that you have received and acknowledged this cease and desist request. 

Be advised that continued contact after receipt of this letter will constitute a violation of the FDCPA, and I will not hesitate to report such violations to the Consumer Financial Protection Bureau ( CFPB ), my state Attorney General, and any other appropriate authority. 

This letter does not acknowledge the validity of the alleged debt, nor does it waive any of my rights under state or federal law. All rights are reserved. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I did get 1 extension and I had been making my payments on time for.over 2yrs I had some XXXX  issues/had to be XXXX told this to Capital One.i had some more XXXX  setbacks/I tried to get another extension and they turned me down.Under 15USC 1681 section 602 states I have the right to privacy.and 15USC -1681 ( section 604-A ) Section 2.a consumer reporting agency can not furnish an account.without my written instructions.under 15USCS-166b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.my Capital One account # is ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: NY

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
A paid line of credit appears on my report as a outstanding debt

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 2025-09-29 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: NC

Complaint narrative:
The fair resolution is the permanent deletion of all inaccurate late payment entries for the listed accounts, as no proper billing notices or due date documentation were ever provided. I am requesting a full reinvestigation, deletion of any unverifiable late payments, and issuance of a corrected credit report with written confirmation. 

Account Details in Dispute : XXXX. XXXX  XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : 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 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am disputing the late payment and delinquency entries showing on several accounts. These are incorrect based on my payment history and prior agreement, so I request that they be changed to Paid as Agreed and that all delinquency notations be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 XXXX. 

15 U.S.C XXXX section XXXX A. States I have the right to privacy. 

15 U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C XXXX. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: GA

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 XXXX. 

15 U.S.C XXXX section XXXX A. States I have the right to privacy. 

15 U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C XXXX. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. XXXX ( A ) ( XXXX ) 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 2025-09-29 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:
I am Filling a complaint a multiple inaccurate and potentially duplicative accounts being reported on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( duplicate reporting ) These XXXX XXXXXXXX entries appear to be duplicates of the same account but are being reported with different balances. This creates confusion, misrepresents my financial history, and unfairly lowers my creditworthiness.XXXX XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$880.00} These collection accounts are also inaccurate and possibly unverifiable.Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies and furnishers are required to ensure maximum possible accuracy ( 15 U.S.C . 1681e ( b ) ) and to conduct a reasonable reinvestigation when disputes are submitted ( 15 U.S.C. 1681i ). Continuing to report duplicate or unverifiable accounts violates these provisions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 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: MA

Complaint narrative:
I am Filling a complaint a multiple inaccurate and potentially duplicative accounts being reported on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( duplicate reporting ) These XXXX XXXXXXXX entries appear to be duplicates of the same account but are being reported with different balances. This creates confusion, misrepresents my financial history, and unfairly lowers my creditworthiness.XXXX XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$880.00} These collection accounts are also inaccurate and possibly unverifiable.Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies and furnishers are required to ensure maximum possible accuracy ( 15 U.S.C . 1681e ( b ) ) and to conduct a reasonable reinvestigation when disputes are submitted ( 15 U.S.C. 1681i ). Continuing to report duplicate or unverifiable accounts violates these provisions.

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 2025-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected.

I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding M & T BANKs failure to properly verify and correct inaccurate information reported on my credit file. Despite my dispute, the creditor allegedly verified the account as accurate with XXXX XXXX XXXX XXXX yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. M & T BANK has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported. 

M & T BANK 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 2025-09-29 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: WA

Complaint narrative:
I am submitting to formally dispute the accuracy of the information being reported on my credit file regarding my XXXX XXXX XXXX account, number XXXX. Upon a careful review of my Equifax, Experian and TransUnion credit report, I identified multiple discrepancies related to this account, and I am requesting that these inaccuracies be promptly corrected to ensure full compliance with the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I am submitting to formally dispute the accuracy of the information being reported on my credit file regarding my XXXX XXXX XXXX account, number XXXX. Upon a careful review of my Equifax, Experian and TransUnion credit report, I identified multiple discrepancies related to this account, and I am requesting that these inaccuracies be promptly corrected to ensure full compliance with the Fair Credit Reporting Act ( FCRA ). 
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 2025-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
XX/XX/year> {$1300.00} PLEASE HELP GET THIS REMOVED FROM MY CREDIT REPORTTHIS HAS ERROR Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: FL

Complaint narrative:
I am submitting this complaint to dispute inaccurate and potentially unauthorized items appearing on my credit report. These entries are misleading and negatively impact my creditworthiness. 
XXXX  XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} * * This account is being reported as a charge-off. I dispute the accuracy of this reporting and request a full reinvestigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, to ensure it is accurate and complete.The following inquiries were either unauthorized or improperly reported and must be verified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have identified the following inquiries appearing on my credit report that I have not disputed here but note for reference : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-09-29 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
{$230.00} transfer from certificate never got the chance to decide what I wanted to do with it. I was XXXX  at the time it was disbursed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: GA

Complaint narrative:
XXXXI am submitting this complaint to report multiple inaccuracies currently appearing on my credit file, which I believe violate my rights under the Fair Credit Reporting Act (FCRA). These errors are misleading, inconsistent, and unfairly damaging my credit profile.XXXX XXXX  Balance XXXXnThis account is listed as a charge-off, but the balance reporting appears inconsistent and requires reinvestigation to ensure it is being reported accurately and in compliance with the FCRAXXXX XXXX XXXX XXXX   Balance XXXX XXXX XXXX XXXX  Balance XXXXnThe same debt is being reported twice under the same account number with different balances. This constitutes duplicate reporting and misrepresents my obligation. Only one accurate version, if valid, should appear.\nThe following inquiries appear questionable, unauthorized, or repeated. They must be reviewed for accuracy and proper permissible purpose:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance:XXXXThese inquiries either appear duplicative or without proper authorization, and I request they be validated and removed if not initiated by me.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 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:
XXXXI am submitting this complaint to report multiple inaccuracies currently appearing on my credit file, which I believe violate my rights under the Fair Credit Reporting Act (FCRA). These errors are misleading, inconsistent, and unfairly damaging my credit profile.XXXX XXXX  Balance XXXXnThis account is listed as a charge-off, but the balance reporting appears inconsistent and requires reinvestigation to ensure it is being reported accurately and in compliance with the FCRAXXXX XXXX XXXX XXXX   Balance XXXX XXXX XXXX XXXX  Balance XXXXnThe same debt is being reported twice under the same account number with different balances. This constitutes duplicate reporting and misrepresents my obligation. Only one accurate version, if valid, should appear.\nThe following inquiries appear questionable, unauthorized, or repeated. They must be reviewed for accuracy and proper permissible purpose:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance:XXXXThese inquiries either appear duplicative or without proper authorization, and I request they be validated and removed if not initiated by me.'

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation