vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Rocket Mortgage, LLC
State: CO

Complaint narrative:
I applied for a home loan with Rocket Mortgage online. There are quite a few unlawful violations that I would greatly appreciate your support with. They responded with an adverse action notice. The last XXXX XXXX XXXX  I've studied consumer credit lawXXXX & every Act that strongly confirms their willful actions & dishonor. It is Unlawful for my application to be denied, as it was provided in good faith, I was discriminated against, and as my ss XXXX  was supplied, yet credit for me to buy a home for my family & I was unlawfully denied. Their false reasoning of " Insufficient Credit '' and other " Unworthy credit status '' are unlawful, as for who of us know the law, any adverse action & /or denial for the extension of credit is precisely in violation of the law, & consumer rights. They have violated countless civil & criminal laws, including RESPA, EEOC, FCRA, CCPA, TILA, EFTA, UCC, UCCC, among many others, as we who know the real reason why financial institutions love to deny credit unlawfully, because they are rarely called to justice, & simply put, of course its easier to just obtain a transferable security by an application. Enough said. I appreciate the CFPB being sometimes the only hope for consumer advocacy, & am happy to provide any further information needed to see this matter resolved. I have spent a great deal of time speaking with upper management of this company, only to be lied to, even upon a reasonable accommodation request, which was also denied. They refused to acknowledge the truth in the law. They provided a false credit score, as well as listing multiple companies they said " affected my credit '' even though none of it is accurate, and again, irrelevant, as I supplied my ss XXXX account. Please see attached documents, to see the display of fraud & dishonor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Rhode Island Housing and Mortgage Finance Corporation
State: RI

Complaint narrative:
Product/Service : Mortgage VA mortgage Issue : Servicing / Escrow refusal to provide refund check documentation Narrative : I made a formal request to Rhode Island Housing and Mortgage Finance Corporation for a copy of the physical refund check that was supposedly issued to resolve an escrow surplus of {$3900.00} under my mortgage account. This request was made under my rights pursuant to RESPA ( 12 CFR 1024.36 ).

RI Housing responded in writing that they will not be supplying [ me ] with the physical check that was used to move the funds to and from our internal accounts. There was no citation of privilege, regulatory exemption, or valid reason for this refusaljust a blanket denial. 

This constitutes a direct violation of RESPA, as the law requires servicers to provide documentation directly related to the servicing of the account when requested by borrowers. The check is critical for verifying whether escrow funds were properly managed, credited, and disbursed. RI Housings written refusal not only prevents me from confirming proper handling of my funds, it also shows a pattern of obstructive conduct and disregard for federal servicing regulations. 

Requested Action : Require RI Housing to produce the physical refund check and complete supporting documentation for this escrow transaction.

Investigate whether RI Housing systematically refuses to provide required documents to consumers and whether similar refusals have affected other borrowers.

Take regulatory or enforcement action to ensure compliance with RESPA disclosure rules and protect borrower rights.

Supporting Exhibit : I am attaching the written response from RI Housing directly stating, We will not be supplying you with the physical check that was used to move the funds to and from our internal accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have several hard inquiries from XXXXXXXX XXXX XXXX  on my personal credit report which were not authorized. The inquiries occurred on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. This company was only authorized for XXXX inquiry for a business credit card which was issued based on the inquiry of XX/XX/XXXX. Furthermore, no permission or consent was given for the company to share and report my personal and financial information with any credit bureau. I have multiple inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, and XX/XX/XXXX which were not authorized purpose being used, I do not recognize, and I was not informed of any credit reporting. Furthermore, no permission or consent was given for the company to share and report my personal and financial information with any credit bureau. I have a hard inquiry from XXXX XXXX  on XX/XX/XXXX which was not authorized, I do not recognize, and was not informed of any credit reporting. Furthermore, no permission or consent was given for the company to share and report my personal and financial information with any credit bureau. I have XXXX hard inquiries from XXXX, both on XX/XX/XXXX, which were not authorized, I do not recognize, and was not informed of any credit reporting. Furthermore, no permission or consent was given for the company to share and report my personal and financial information with any credit bureau. I have a hard inquiry from XXXX XXXX XXXX on XX/XX/XXXX which was not authorized nor was I informed of any credit reporting. Furthermore, no permission or consent was given for the company to share and report my personal and financial information with any credit bureau.

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 2025-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have several hard inquiries from XXXXXXXX XXXX XXXX  on my personal credit report which were not authorized. The inquiries occurred on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. This company was only authorized for XXXX inquiry for a business credit card which was issued based on the inquiry of XX/XX/XXXX. Furthermore, no permission or consent was given for the company to share and report my personal and financial information with any credit bureau. I have multiple inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, and XX/XX/XXXX which were not authorized purpose being used, I do not recognize, and I was not informed of any credit reporting. Furthermore, no permission or consent was given for the company to share and report my personal and financial information with any credit bureau. I have a hard inquiry from XXXX XXXX  on XX/XX/XXXX which was not authorized, I do not recognize, and was not informed of any credit reporting. Furthermore, no permission or consent was given for the company to share and report my personal and financial information with any credit bureau. I have XXXX hard inquiries from XXXX, both on XX/XX/XXXX, which were not authorized, I do not recognize, and was not informed of any credit reporting. Furthermore, no permission or consent was given for the company to share and report my personal and financial information with any credit bureau. I have a hard inquiry from XXXX XXXX XXXX on XX/XX/XXXX which was not authorized nor was I informed of any credit reporting. Furthermore, no permission or consent was given for the company to share and report my personal and financial information with any credit bureau.

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 2025-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Note : this complaint amongst others is to be forwarded to Attorney General. 

Account : XXXX XXXX XXXX XXXXXXXX I am filing this complaint against XXXX  XXXX XXXX and TransUnion LLC for repeated and ongoing violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Source Receivables Source Receivables is a third-party debt collector reporting an account that I do not recognize and have no contractual relationship with.

I have requested validation of the debt multiple times. It has been well beyond 30 days, and no documentation has been provided as required under FDCPA 809 ( 15 U.S.C. 1692g ).

Instead, Source Receivables has simply marked the account verified and updated information with the credit bureaus without proof.

This violates FCRA 623 ( 15 U.S.C. 1681s-2 ), which requires furnishers to report accurately and investigate disputes.

TransUnion This same account was previously shown as closed and deleted from my TransUnion credit report. Despite that, it continues to report negatively.

I have disputed the account multiple times with TransUnion. Their response has always been verified without providing supporting documentation. 
A TransUnion representative directly informed me that : No matter how many times you dispute, the account will remain.

They accept verbal verification from a furnisher and do not require written documentation when a consumer requests validation.

These practices are unlawful and violate : FCRA 611 ( 15 U.S.C. 1681i ) failure to conduct a reasonable reinvestigation.

FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) duty to maintain maximum possible accuracy.

FCRA 609 ( 15 U.S.C. 1681g ) right to full disclosure of information.

These unlawful practices have caused direct harm to me, including damage to my creditworthiness and difficulties with housing, employment caused severe XXXX diagnoses. TransUnions admission that disputes will remain regardless of consumer evidence, and that verbal verification alone is accepted, demonstrates systemic noncompliance with the FCRA.

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 2025-10-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TekCollect Inc.
State: AL

Complaint narrative:
Pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I request that TEK COLLECT INC provide validation of this alleged debt. 

XXXX. A copy of the original signed contract or agreement creating the debt. 
XXXX. A complete accounting of the alleged amount, including principal, interest, fees, and any other charges. 
XXXX. The name and address of the original creditor. 
XXXX. Documentation that you are legally entitled to collect this debt, including : * A copy of the assignment contract, bill of sale, or transfer agreement showing that this debt was legally assigned to you. 
* A full chain of title if the debt has been sold or transferred more than once. 
XXXX. Verification that your company is licensed to collect debts in my state, including the license number and issuing authority.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ability Recovery Services, LLC
State: WV

Complaint narrative:
I went to the emergency room on XX/XX/year> for a XXXX. At the time I had insurance that would have covered all costs of that visit. XXXX XXXX in XXXX, TN used a third-party biller APP of Tennessee to 'bill me ' of some of these charges. I submitted my insurance at the hospital and paid my co-pay. APP of Tennessee did not bill my insurance or notify me of the charge of {$1200.00}. We have been in touch with the hospital and they have verified that we owed the hospital nothing!!! Which proves that my insurance covered these costs. I contacted my insurance company and they confirmed that APP of Tennessee never billed them! Two years later I get notified via my credit report ( XXXX XXXX  ) that I have an outstanding medical bill. I was not notified by of APP of XXXX or XXXX XXXX XXXX of the bill. I had to call them using the information found on my credit report. After discussing the situation with the manager of the XXXX XXXX XXXX they confirmed that the issue would be resolved. I asked that they still send me a bill proving that APP of Tennessee billed my insurance. What they sent me was just a print out of the amount owed. It did not have my address on it or proof that they billed my insurance company. APP of Tennessee during this time has been impossible to reach, because apparently they are bankrupt. After I thought the issue was resolved with XXXX XXXX XXXX I see that my 'resolved debt ' was sold to another company called Ability Recovery Services XXXX This needs to be resolved. I don't pay for insurance to then be harassed my creditors because billing companies for hospitals don't do their job. We reached out to XXXX XXXX XXXX TN, and they confirmed that we were billed incorrectly or in this case not at all, but the CEO XXXX XXXX stated in an emailed that he does not take responsibilities of the billing practices of his physicians. This is criminal and takes advantage of people who are already dealing with tough circumstances - I'm being punished for the need for treatment for my XXXX again and again by these debt collectors. This is a violation of the no surprises act. These are unethical billing practices by the physicians working at XXXX XXXX. Why are patients, who are required to have insurance, be required to pay a debt collector for debt that should have been paid by their insurance! I am lucky that husband and I are able to advocate for ourselves in this situation. Think of those who do not understand that they are being taking advantage of by the healthcare system and debt collectors. This issue needs to be resolved 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 2025-10-05 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am filing this complaint against XXXX XXXX for knowingly reporting false and inaccurate information about a closed automotive lease, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), 1681s-2 ( b ), and 1681b ( a ). 

On XX/XX/XXXX, and again on XX/XX/XXXX, I disputed the XXXX XXXX XXXX through all three consumer reporting agencies ( Equifax, XXXX and XXXX  ). Both times XXXX verified the account as a charge-off, even though my lease was paid in full and I was never in default. The only issue raised after the lease ended was a separate insurance matter unrelated to the lease itself. 

Ally has therefore knowingly continued to furnish false data after receiving notice of dispute from the CRAs, constituting a violation of FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( b ). They have also failed to ensure maximum possible accuracy as required by 607 ( b ).

This lease is not a credit transaction, and its furnishing to CRAs violates the FCRAs permissible purpose requirement ( 604 ( b ) ). XXXX obtained and furnished my consumer report information without lawful authorization, violating 604 ( b ) and 1681q ( false pretenses ). Additionally, XXXX failed to provide the FTC-required co-signer disclosure under 16 C.F.R. 444.3. 

Their conduct has caused measurable harm to my credit scores, denied credit opportunities, and emotional distress from repeated verifications of false information. 
Requested Relief : Immediate deletion of the inaccurate lease tradeline from all CRAs. 
Written confirmation of correction. 
Civil settlement of {$5000.00} for statutory and actual damages under 15 U.S.C. 1681n and 1681o. 
Supporting authorities include 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 each confirming that non-credit lease obligations fall outside the scope of permissible consumer reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-05 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: MS

Complaint narrative:
I am writing to formally file a complaint with the Consumer Financial Protection Bureau regarding my status as a victim of the Equifax data breach, which was publicly disclosed in XX/XX/year>. This breach exposed the personal information of approximately 147 million Americans, including names, Social Security numbers, birth dates, addresses, and in some cases, driver 's license numbers and credit card information. I am one of those affected individuals.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., credit reporting agencies such as Equifax have a legal obligation to ensure the accuracy, security, and confidentiality of consumer information. This obligation includes implementing reasonable procedures to prevent unauthorized access to sensitive personal data. 
Equifax failed in this duty, and as a result of their negligence, I am now at increased risk of identity theft, credit fraud, and other financial harm. This breach has caused me ongoing concern, emotional distress, and has required me to take several precautionary steps, such as credit monitoring, freezing my credit reports, and investing time and resources into protecting my identity. 
Furthermore, I believe Equifax may be in violation of the Gramm-Leach-Bliley Act ( GLBA ), which mandates that financial institutions protect the privacy of consumer financial information through appropriate safeguards. 
I request that the CFPB investigate this matter further and take all appropriate enforcement action to ensure that Equifax is held accountable for their failure to protect consumer data and fully comply with their legal obligations.

In addition to this letter, I am also submitting my complaint through the CFPBs online complaint system for tracking purposes. I am attaching any relevant documentation, including confirmation from Equifax that I was impacted by the breach. 
I would appreciate updates on any actions taken and am available for further information if necessary. Thank you for your attention to this matter and for your continued work to protect American consumers. 

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 2025-10-05 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: MS

Complaint narrative:
I am writing to formally file a complaint with the Consumer Financial Protection Bureau regarding my status as a victim of the Equifax data breach, which was publicly disclosed in XX/XX/year>. This breach exposed the personal information of approximately 147 million Americans, including names, Social Security numbers, birth dates, addresses, and in some cases, driver 's license numbers and credit card information. I am one of those affected individuals.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., credit reporting agencies such as Equifax have a legal obligation to ensure the accuracy, security, and confidentiality of consumer information. This obligation includes implementing reasonable procedures to prevent unauthorized access to sensitive personal data. 
Equifax failed in this duty, and as a result of their negligence, I am now at increased risk of identity theft, credit fraud, and other financial harm. This breach has caused me ongoing concern, emotional distress, and has required me to take several precautionary steps, such as credit monitoring, freezing my credit reports, and investing time and resources into protecting my identity. 
Furthermore, I believe Equifax may be in violation of the Gramm-Leach-Bliley Act ( GLBA ), which mandates that financial institutions protect the privacy of consumer financial information through appropriate safeguards. 
I request that the CFPB investigate this matter further and take all appropriate enforcement action to ensure that Equifax is held accountable for their failure to protect consumer data and fully comply with their legal obligations.

In addition to this letter, I am also submitting my complaint through the CFPBs online complaint system for tracking purposes. I am attaching any relevant documentation, including confirmation from Equifax that I was impacted by the breach. 
I would appreciate updates on any actions taken and am available for further information if necessary. Thank you for your attention to this matter and for your continued work to protect American consumers. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC.
State: MA

Complaint narrative:
After my initial complaint with the company and bank SoFi, they decided to close my account in retaliation because I reported them to the CFPB.

This is a clear violation of federal and state law, especially considering the fact I have regular direct deposit coming into my account has been no issues ever since I reported them. At this time Im requesting monetarys settlement to deal with this matter seeing how I have to find a new bank in such short notice.

Company response to consumer: Closed with explanation