vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Brock & Scott, PLLC
State: OH

Complaint narrative:
I received a collection notice from Brock & Scott , PLLC for a debt I do not recognize in XX/XX/ 2025. I attempted to dispute the debt and request validation online, an option given per the letter I received, but their website dispute/contact form provided is not working and/or does not provide confirmation that a request was submitted. I received the message forbidden and the contact form would reset upon submission, rather than give a form submitted message. I have submitted the dispute request multiple times and I am not positive it went through. It was due by today ( XX/XX/2025 ). I have not received sufficient documentation to verify the validity of the alleged debt that they sent me. I am concerned that I am being denied my rights under the Fair Debt Collection Practices Act to properly dispute and request validation of this debt. 


Here is a copy of the letter I attempted to submit through the online form submission : Dispute of Alleged Debt Account # Included To Whom It May Concern : I am in receipt of your recent correspondence regarding the above-referenced account and any reference account associated with this alleged debt.

This letter is a formal dispute of the alleged debt in its entirety.

Pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), please provide full validation, including : 1. A complete itemized accounting of the charges claimed, with dates and descriptions.

2. Copies of the original lease agreement and any renewal agreements bearing my signature.

3. All move-in and move-out inspection reports, photographs, and any and all maintenance records.

4. Copies of all notices allegedly sent to me, with proof of mailing.

5. The name and address of the original creditor and proof of assignment/authority to collect.

Until such validation is provided, you must cease all collection activities, including reporting to any credit bureau. If you have already reported this alleged debt, you are hereby notified to mark the account as disputed with all consumer reporting agencies.

Please be advised that I have no record of receiving any itemized statement or billing for this account prior to your letter. Any attempt to collect amounts not lawfully owed, or to misrepresent the character or legal status of the debt, may constitute violations of the FDCPA and Ohio law. 

All future communications regarding this matter must be in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am filing a complaint against Capital One regarding the deceptive practices related to their XXXX " high yield interest '' savings accounts. Capital One misrepresented the XXXX Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the XXXX XXXX XXXX account. This deliberate obscurity and lack of transparency violated XXXX XXXX XXXX and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their deceptive practices related to their XXXX " high yield interest '' savings accounts. Capital One misrepresented the XXXX Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the XXXX XXXX XXXX account. This deliberate obscurity and lack of transparency violated XXXX XXXX and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
EVERY MORNING, UPON SEEING THESE FRAUD ACCOUNTS, I GET XXXX. I WANT THESE TO BE TAKEN OFF FROM MY REPORT 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 2025-09-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SN SERVICING CORPORATION
State: CA

Complaint narrative:
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  ARE RUNNING AN ILLEGAL OPERATION IN BAD FAITH. They keep stating that my loan mod package is a duplicate and XXXX XXXX is a scam employee who doesnt send our package submissions to investor for review. We are asked for another loan analyst to work with since hes jeopardized and caused us harm repeatedly!!! We have not been sending duplicates and we need the package and new circumstances reviewed. 

The law firm is scandalous! From XXXX XXXX to XXXX XXXX and we will bring bar complaints and civil suits if the home goes to fraudulent sale! Sn is the worst service company ever and unscrupulous.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: KY

Complaint narrative:
I NEVER GAVE ANY IF THE CREDIT REPORTING AGENCIES PERMISSION TO HAVE ACCESS TO ANY OF MY PERSONAL INFORMATION NOR DID I GIVE CONSENT FOR THEM TO ADD ANYTHING ON MY CREDIT REPORTS. ACCORDING TO FCRA 15 USC 1681B PERMISSIBLE PURPOSES ANY CREDIT REPORTING AGENCIES WANTING TO ADD ANYTHING ON MY CREDIT REPORTS MUST RECIEVE MY WRITTEN CONSENT AND IF I DID NOT GIVE AUTHORIZATION THEY ARE IN VIOLATION OF THE FCRA. IN REGARD TO THE CHARGE OFFS THE IRS PUBLICATION AND LAWS STATES THAT CHARGE OFFS ARE CONSIDERED A CERTIFICATE OF INDEBTEDNESS WHICH IS CONSIDERED INCOME AND INCOME CAN NOT BE REPORTED ON MY CONSUMER REPORTS PURSUANT TO 26 USC 61/26 CFR 1.643/20 CFR 211.2. BASED UPON THE LAWS THAT I HAVE POINTED OUT IT IS VER EVIDENT THAT THE CREDIT REPORTING AGENCIES VIOLATED MY CONSUMER RIGHTS. IF THEY DO NOT RECTIFY THESE ERRORS I WILL SEEK LEGAL ACTION.

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 2025-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have several XXXX unauthorized purchases on my Chase credit card from XXXX accounts that are not mine. I have hundreds of XXXX order numbers billed to my card that do not belong to my XXXX account. When I ask XXXX about them they refuse to discuss them because they will not talk to a third party and since the orders originate from an account that is not mine ( ...... ) I'm considered a third party even though it is billed to my card. 

I have contacted the Chase fraud department and send them over 250 transactions that are fraud. There are still many more but I'm gathering them. They temporarily credited the money back but have just undone that without giving me any reason why. I have showed them from their own ( Chase ) website that my credit card is connected to over 200 different XXXX accounts which is clearly suspicious. This is now over {$50000.00} of fraud over many years!! I've spent hours on the phone explaining this to both XXXX and Chase over a period of months. The most Chase does is send me a new credit card but this is useless because is just updates the card automatically with all the XXXX accounts that have it on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Date : XX/XX/XXXX To : Re : Formal Dispute of Late Payment Reporting Account # XXXX ( XXXX ) Dear ( XXXX ), I am writing to dispute the inaccurate and incomplete reporting on my credit file concerning the above-referenced account. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I have the right to dispute any information on my credit report that I believe is inaccurate, misleading, or unverifiable. 
The account in question XXXX XXXX, # XXXX XXXX is currently showing a late payment in XX/XX/XXXX. This reporting is not accurate for the following reasons : 1. Payment History Error : Records show that my payment due in XX/XX/XXXX was made on XX/XX/XXXX, which demonstrates my intent and action to keep the account in good standing. Reporting this as a 30-day late is factually incorrect and does not reflect the true status of my account.

2. FCRA Compliance Requirement : Under FCRA 1681e ( b ), consumer reporting agencies must ensure maximum possible accuracy of the information they report. Reporting a late payment despite proof of timely or corrected payment is misleading and damaging to my creditworthiness. 
3. Unverifiable/Incomplete Reporting : If the furnisher ( XXXX ) can not provide complete documentation verifying this late payment with exact dates and records, the information must be removed immediately, as required under FCRA 1681i ( a ) ( 5 ) ( A ).

Given these facts, I formally request : A full reinvestigation of this account entry. 
Removal or correction of the XX/XX/XXXX late payment, as it is inaccurate and misleading. 
Written confirmation of the results of this dispute within the 30-day period allowed by law. 
Please be advised that continued reporting of inaccurate information after proper notice may constitute willful noncompliance under the FCRA, subjecting all responsible parties to civil liability. 
I expect this matter to be resolved promptly. Please provide me with the results of your investigation in writing. 
Thank you for your cooperation. 
Sincerely, XXXX XXXX XXXX [ Last 4 of SSN XXXX [ Date of Birth 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 2025-09-05 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Date : XX/XX/XXXXXXXX  To : Re : Formal Dispute of Late Payment Reporting Account # XXXX ( XXXX ) Dear ( XXXX ), I am writing to dispute the inaccurate and incomplete reporting on my credit file concerning the above-referenced account. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I have the right to dispute any information on my credit report that I believe is inaccurate, misleading, or unverifiable. 
The account in question ( XXXX XXXX XXXX XXXX is currently showing a late payment in XX/XX/XXXX XXXX. This reporting is not accurate for the following reasons : 1. Payment History Error : Records show that my payment due in XX/XX/XXXXXXXX  was made on XX/XX/XXXXXXXX, which demonstrates my intent and action to keep the account in good standing. Reporting this as a 30-day late is factually incorrect and does not reflect the true status of my account.

2. FCRA Compliance Requirement : Under FCRA 1681e ( b ), consumer reporting agencies must ensure maximum possible accuracy of the information they report. Reporting a late payment despite proof of timely or corrected payment is misleading and damaging to my creditworthiness. 
3. Unverifiable/Incomplete Reporting : If the furnisher ( XXXX  ) can not provide complete documentation verifying this late payment with exact dates and records, the information must be removed immediately, as required under FCRA 1681i ( a ) ( 5 ) ( A ).

Given these facts, I formally request : A full reinvestigation of this account entry. 
Removal or correction of the XX/XX/XXXXXXXX  late payment, as it is inaccurate and misleading. 
Written confirmation of the results of this dispute within the 30-day period allowed by law.

Please be advised that continued reporting of inaccurate information after proper notice may constitute willful noncompliance under the FCRA, subjecting all responsible parties to civil liability.

I expect this matter to be resolved promptly. Please provide me with the results of your investigation in writing.

Thank you for your cooperation. 
Sincerely, XXXX XXXX XXXX [ Last 4 of SSN XXXX [ Date of Birth XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
To Whom It May Concern, This letter serves as a formal dispute and demand for method of verification under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). I recently reviewed my credit report from your bureau, and I dispute the accuracy of the following item : Midland Credit Management Account Number : XXXX Amount : {$1200.00} You are legally obligated to conduct a reasonable investigation of any disputed information. If you claim that you have verified this account, I demand that you provide me with the complete method of verification, including but not limited to : 1. The name, address, and telephone number of the party you contacted.

2. The records or documents you used to verify the alleged account.

3. The exact method you used to conclude that this information is accurate.

A generic response or parroted information from the furnisher will not satisfy this legal requirement. Unless you can produce documented, verifiable evidence from the original creditor proving the accuracy of this account, you must immediately remove it from my credit report.

You are reminded that the FCRA requires accurate and complete reporting. Failure to comply with my lawful request will leave me no choice but to pursue legal remedies, including complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. 

I expect a full response, with complete documentation, within 30 days as required by law. If you can not or will not provide the method of verification, you are required to delete the disputed item from my credit report immediately. 

This is not a request. This is a demand for compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX Re : Request for Information - Account # XXXX XXXX XXXX XXXX  XXXX To whom it may concern, I am writing regarding the above referenced accounts, which is reported on my credit file as charged off/ written off. 

I am requesting clarification regarding whether a 1099-c ( Cancellation of Debt ) has been reported to Transunion/Equifax/Experian for this account XXXX If such record exists, please provide me with the confirmation and any available details regarding the date of issuance. 

If no such record exists, please confirm that Transunion/Equifax/ Experian has not received a 1099-C filing for these accounts with XXXXXXXX XXXX XXXX XXXXXXXX I am entitled to accurate and complete information under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). Please send your response in writing to the address above. 

Thank you for your cooperation, Sincerely, XXXX XXXX XXXX DOB XX/XX/XXXX Last 4 SSN # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX Re : Request for Information - Account # XXXX XXXX XXXX XXXX  XXXX To whom it may concern, I am writing regarding the above referenced accounts, which is reported on my credit file as charged off/ written off. 

I am requesting clarification regarding whether a 1099-c ( Cancellation of Debt ) has been reported to Transunion/Equifax/Experian for this account XXXX If such record exists, please provide me with the confirmation and any available details regarding the date of issuance. 

If no such record exists, please confirm that Transunion/Equifax/ Experian has not received a 1099-C filing for these accounts with XXXXXXXX XXXX XXXX XXXXXXXX I am entitled to accurate and complete information under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). Please send your response in writing to the address above. 

Thank you for your cooperation, Sincerely, XXXX XXXX XXXX DOB XX/XX/XXXX Last 4 SSN # 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 2025-09-05 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: TX

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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: IL

Complaint narrative:
XXXX Yellow XXXX XXXX, XXXX, IL XXXX Pursuant to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) and the Fair and Accurate Credit Transactions Act ( XXXX ), my office disputes the following inaccurate or unverifiable items on XXXX XXXX credit reports prepared by TransUnion, Equifax, and Experian. The consumer is a confirmed identity-theft victim who has filed or will file an FTC Identity Theft Report and has placed an initial fraud alert on his file. Under XXXX, upon receipt of a valid identity-theft report the bureaus must block any fraudulent items

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 2025-09-05 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: IL

Complaint narrative:
XXXX Yellow XXXX XXXX, XXXX, IL XXXX Pursuant to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) and the Fair and Accurate Credit Transactions Act ( XXXX ), my office disputes the following inaccurate or unverifiable items on XXXX XXXX credit reports prepared by TransUnion, Equifax, and Experian. The consumer is a confirmed identity-theft victim who has filed or will file an FTC Identity Theft Report and has placed an initial fraud alert on his file. Under XXXX, upon receipt of a valid identity-theft report the bureaus must block any fraudulent items

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 2025-09-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
Subject : Request for Removal of XXXX Balance Accounts LVNV Funding LLC XXXX XXXX XXXX XXXX. 

Dear CFPB, I am submitting this complaint regarding two accounts that continue to appear on my credit reports with XXXX  and XXXX, despite having been removed from my XXXX  report. 

The accounts in question are : 1. LVNV Funding LLC. Reported XX/XX/year>2025, with a {$0.00} balance 2. XXXX XXXX XXXX, Reported XX/XX/year>2025, with a {$0.00} balance Both accounts show a XXXX balance and are marked Needs Attention, yet they continue to appear on my credit reports unnecessarily. These accounts have already been removed from my XXXX  report, and I believe they should be removed from XXXX  and XXXX  as well to ensure consistency and accuracy across all three bureaus. 

The continued presence of these accountsdespite having no outstanding balancemay negatively affect my creditworthiness and does not reflect my current financial status. I have attempted to resolve this directly with the credit bureaus, but the issue remains unresolved. 

I respectfully request that the CFPB investigate this matter and assist in having these accounts removed from XXXX  and XXXX  to ensure

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently reviewed my credit report and was surprised to discover several inquiries listed that I did not recognize or authorize. As a responsible consumer, I take my credit history seriously, and I do not apply for credit recklessly. When I noticed these entries, it immediately raised concern because I never gave permission for these companies to access my credit file. 
The inquiries in question are : XXXX XXXXXXXX XXXX XXXX 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 I did not initiate applications with these creditors, nor did I give consent for them to pull my report. Under the Fair Credit Reporting Act ( FCRA ) 604 ( a ), 15 U.S.C. 1681b ( a ), a credit report may only be obtained for a permissible purpose, and under FCRA 619, 15 U.S.C. 1681q, anyone obtaining a report without proper reason is in violation of federal law.

Company response to consumer: Closed with explanation