vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings

Complaint narrative:
On XX/XX/XXXX, IQ Data International reported that I have an outstanding debt in the amount of {$4400.00}. On XX/XX/XXXX, I mailed a certified letter to IQ Data International requesting debt validation under the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), which requires a debt collector to provide written verification of the debt within 30 days.

However, it has been over 60 days, and IQ Data International has failed to provide the requested debt validation letter, violating the FDCPAs debt validation requirements. 

Furthermore, on XX/XX/XXXX, I received another letter from IQ Data International requesting payment of the {$4400.00}, despite their failure to validate the debt in accordance with the law. This further violates my rights under the FDCPA, specifically Section 809 ( 15 U.S.C. 1692g ), which prohibits debt collectors from continuing collection activities without validating the debt upon request. 

I am requesting assistance in resolving this issue and ensuring that IQ Data International complies with the legal requirements for debt validation under the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
Account was opened XX/XX/scrub>/24. New account bonus terms were 3 recurring transfers of at least {$200.00}, after which a {$200.00} bonus would be deposited. The company has not provided the bonus and now states the transfers needed to be automatic. Of course, this function was not working on their website when I opened the account and this was not mentioned in the normal bonus terms. Furthermore, they have charged me {$14.00} in account fees since then.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this 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 non-monetary relief
Consumer complaint received 2025-02-21 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: MA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Rocket Mortgage, LLC
State: OR

Complaint narrative:
We applied for a cash-out refinance to pay off debt with Rocket Mortgage in XX/XX/scrub> 2024, we were approved we paid the upfront {$500.00} fee and within 3 weeks we were approved. This is when things began to fail. Over the course of the next 4 and half months ( 130+ days ), we were ignored, forgotten and our was loan overlooked. We constantly had to reach out to find out what the delays were. The reoccurring excuse was waiting for " payoff amounts ''. When we would go to our creditors to obtain the information ourselves to help progress the process we were met several times with the creditors stating they had days before already given the information to Rocket Mortgage. At one point when we pointed out that we didn't feel we were being treated fairly like any other customer, we were then immediately given a new broker the next day. This was about 2 months into the process. They new Broker is supposedly working with the VP at their office. But neither service, nor expedition of our loan was any quicker, same excuses proceeded, same results transpired. Though at the end of XXXX we were finally scheduled for a closing, we took time off of work for the Notary to arrive for the signing. But the Notary never showed up, half an hour after our appointment time we called the escrow company who was just as surprised no Notary had shown up to do the signing. When escrow called Rocket Mortgage we were then told the signing had been canceled days before, but lender had not told us nor the escrow company. And that department did not know why it had gotten canceled. Our broker got back about two more times, apologized but did not give a reason why. After about a week later we stopped hearing from Rocket Mortgage all together, except they seemed to randomly pull a 2nd hard credit report without telling us they were going to. Then within two weeks after that we get notified that our loan was closed due to time lapse. By this point we are 130 days since we applied. We lost out on the 6.25 % interest ( we are now being given 6.75 % from a new lender ), we are out the {$500.00} for upfront cost that they are now refusing to refund though the fault of delay was 100 % theirs. We have had additional interest and penalties from our creditors we were trying to pay off with this loan to begin with. 
The unknown as to why servicing our loan changed and dropped and quite frankly ignored is very bothersome and had definitely caused undue XX/XX/XXXXand XX/XX/XXXX. Our treatment by Rocket Mortgage is unjust and bias. Definitely disparate treatment!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: CA

Complaint narrative:
Im filling a complaint against Equifax for failing to properly investigate my disputes regarding the inaccuracies in my credit report. Despite submission, Equifax consistently responds within 24hrs stating the accounts are accurate, without providing any evidence of thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. 1 ) XXXX XXXX opened XX/XX/scrub>/2023. 2 ) XXXX XXXX 3 ) mortgage services 4 ) Hard inquiries 5 ) XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
This dispute is in reference to a credit card I had with XXXX issued through XXXX XXXX On XX/XX/2024 I made a payment of {$710.00} ( transaction # XXXX ) to get my account to a XXXX balance, immediately I realized I underpaid by XXXX cents, upon attempting to pay the XXXX cents their system would only take a minimum payment of {$3.00}, so I paid the extra {$3.00}, ( transaction # : XXXX ) which brought my total payment of {$710.00}. I contacted XXXX and explained that I made a payment to conclude my balance and need to close my account because I no longer wish to do business with their fraudulent company. I was assured that my account showed a {$0.00} balance, I requested a letter to verify this. and was sent a letter showing the XXXX balance right away. XXXX owes me {$2.00} but has since been reporting to all 3 credit bureaus that I owe them {$2.00} and has been charging me interest rate and bogus late fees on the {$2.00} that they owe me. They have reported that I am over 3 months late which is bogus, fraudulent, and inaccurate reporting. XXXX and XXXX XXXX  has made a havoc of my credit report and has caused me a lot of emotional grief over their lies, and fraudulent reporting. I still have the email with the attached letter proving the XXXX balance which I have attached to this complaint.

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 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
This dispute is in reference to a credit card I had with Venmo issued through synchrony bank. On XX/XX/scrub>/2024 I made a payment of {$710.00} ( transaction # XXXX ) to get my account to a XXXX balance, immediately I realized I underpaid by XXXX cents, upon attempting to pay the XXXX cents their system would only take a minimum payment of {$3.00}, so I paid the extra {$3.00}, ( transaction # : XXXX ) which brought my total payment of {$710.00}. I contacted Venmo and explained that I made a payment to conclude my balance and need to close my account because I no longer wish to do business with their fraudulent company. I was assured that my account showed a {$0.00} balance, I requested a letter to verify this. and was sent a letter showing the XXXX balance right away. Venmo owes me {$2.00} but has since been reporting to all 3 credit bureaus that I owe them {$2.00} and has been charging me interest rate and bogus late fees on the {$2.00} that they owe me. They have reported that I am over 3 months late which is bogus, fraudulent, and inaccurate reporting. Venmo and synchrony bank has made a havoc of my credit report and has caused me a lot of emotional grief over their lies, and fraudulent reporting. I still have the email with the attached letter proving the XXXX balance which I have attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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:
XXXX XXXX XXXX account XXXXXX/XX/XXXXXXXX address all fraud accounts id theft data breach

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: OH

Complaint narrative:
XXXX XXXX :, XXXX :, XXXX : Identity Theft Report number : XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Inquiries These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 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. I have attached a copy of FTC Identity Theft Criminal Complaint # ( ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit 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 2025-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Closed account and transferred funds to new account because security breach, told I hit XXXX XXXX dollar rewards over call. 
Hit XXXX on lottery ticket and available balance was less than what banker told me at time of close and transfer. Transfer required manager over ride she admitted her fault. 
Account went in negative balance then paid off by XXXX credit account Bank lied to me about how account was paid in person on phone was told it was paid by credit account in my name Bank in person multiple locations refused to help me found out consumer account under my identity.

Information changed internally bank admitted account seemed to be identity theft and told to call. 
Was hung up on Was given XXXX in XXXX didn't know what it was had it stolen XXXX refused to respond to call over phone at gas station telling me it's not an emergency No access and bank tried to purge account from XXXX  for address verification reasons.

Banker assisted me and colleague on phone told him not to help me because I was being charged with heinous crimes being very detailed and discriminative, accusations not true and banker refused to put phone on speaker. Loud enough to hear other worker

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: GA

Complaint narrative:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$250.00} XXXX  XX/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 2025-02-21 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: GA

Complaint narrative:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$250.00} XXXX  XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
Resurgent/XXXX  Funding is a XXXX party debt collector that purchased an alleged debt and begun collection practices without providing a verification of debt when requested. Reporting negative information on my consumer reports without lawfully verifying the debt or showing legal standing to collect on this debt is a violation of the FDCPA. 

I sent Resurgent notice of my intent to opt out of them sharing my private financial information with XXXX XXXX nonaffiliates. XXXX has ignored this notice and reported my information to XXXX parties against my express written wishes, effectively violation Regulation P of the XXXX of XXXX Regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified.

These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 
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 2025-02-21 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: NY

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX  XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 

XXXX v. XXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA.

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft.

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 
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 non-monetary relief
Consumer complaint received 2025-02-21 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: CA

Complaint narrative:
Hi, I have a FTC report that has fraudulent account listed on it that needs to be blocked.

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 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

Company response to consumer: Closed with explanation