vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-05 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: Yamaha Motor Finance Corporation USA
State: NY

Complaint narrative:
Violated privacy and right according to 12 CFR 1006.34(c) , 15 U.S. Code  1681a and also section 1637(b)

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: WY

Complaint narrative:
I have disputed Toyota mtr.account # XXXX balance XXXX with all 3 credit bureaus and it has been deleted from XXXX and XXXX.i asked XXXX to investigate and they are not doing an investigation and showing proof of investigating after I asked them how they investigated this account.please investigate this account and delete from XXXX because it is not accurate and has multiple inaccuracies.i am providing my driver 's license and social security card and most recent bank statements for proof of address and identity

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: NV

Complaint narrative:
I received an email from Discover on Friday XX/XX/XXXX at XXXX XXXX. In the email as attached it shows I " may be eligible for a Discover It Card. '' I clicked Learn More ( this was done on my XXXX and it opened XXXX and brought me to a landing page to check to see if I am prequalified. I filled out all the info and clicked " check ''. It then brought me to another page that said " You are prequalified for a Discover It Card ''. * * ( This is shocking to me as Discover has declined everything ever since I had a bankruptcy in XXXX and I felt that I have been blacklisted ever since ). 

It then said to submit my final app for approval. I did that and it brought me to a new page saying " Unfortunately you were not approved ... .letter in 3-9 days. '' I just called Discover at XXXX to find out how and why they are doing this to consumers. I spoke to a gentleman out of Delaware and told him what happened. He attempted to gaslight me several times telling me that I was lying, not verbatim but telling me that if my explanation of the story was true, he would see that and he does not see that. ( Not my problem ). 

I received a marketing email saying I could be approved. 

I checked the prequalify through the marketing email. 

I was told I was prequalified for the Discover It Card and it defaulted to the blue card and asked me if I wanted to change the design. I accepted the card 's terms and clicked submit all in XXXX on my phone XXXX. Then app declined me and I received a hard inquiry to all my bureaus from Discover. 

This is MADDENING. This behavior is highly unethical by Discover to market an offer, prequalify that offer to that customer to simply get them to approve an app ; then deny them and hit em with an hard inquiry. Discover Bank is know to cater to sub-prime individuals ( XXXX XXXX does similar behavior ). Discover offering something to solicit an app then deny and hit someone with an inquiry should be or likely is misleading and illegal.

Please pull the call today that I placed to hear how your rep talked to me and tried to gaslight me several times. The rep said that he'd put in a request to remove the inquiry and I hung up.

PLEASE CFPB STOP THIS ABUSIVE BEHAVIOR BY DISCOVER.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
On XX/XX/XXXX, I was charged {$780.00} Another charge for the same amount was attempted on XX/XX/XXXX. Phh tried to collect twice, but I got a notice from truest bank that they returned the second payment. I spent close to an hour with Phh and being bounced around from agent agent, and all I got was agents, reading off script and dishonesty. They still have not fixed the problem and according to their records, it shows that XXXX has already been paid, which is not correct. Agent XXXX XXXX was very rude to me and dishonest and tried to tell me he was gon na send me an email follow up ending the phone call and then he changes mine and they started reading off a script and very disrespectful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: PA

Complaint narrative:
I have asked and disputed several times.I have no contract, promissory note, or wet-ink signature agreement on file with Jefferson Capital , nor have I ever received a valid statement or sworn affidavit from them verifying the alleged debt and the lawful basis for the charge-off. You are reporting several discrepancies on XXXX and XXXX, Under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681s-2,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This information is not being reported correctly on my report causing damage to my financial report. the account is being reported as closed charged off with an incorrect balance of {$4500.00} and incorrect last payment date of XX/XX/XXXX but the account was closed on XX/XX/XXXX. I requested the company update these terms, but they have not done so violating my rights to a fair credit report & score. I asked for my payment history up until present date of 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 non-monetary relief
Consumer complaint received 2025-04-05 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 received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-04-05 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have found accounts that I did not open, authorize, or use

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 2025-04-05 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: PA

Complaint narrative:
This credit card is being reported as closed and chargeoff on my credit report with several discrepancies on all XXXX credit bureaus and account keeps coming back verified everytime i dispute it. It is agianst FCRA to be reporting innacurate information on my credit report., I have disputed this on several occasions and yoy are refusing to delete from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: FL

Complaint narrative:
Cease and desist ALL collection Activities. Account fraudulently opened in my name with BULLCITY FINANCIAL SOL is debt collectors Under the FDCPA, a debt collector is someone or business who regularly collects debts owed to others which triggered liability under Sections 15 U.S. Code 1692e - False or misleading representations and multiple violations of Federal Debt Collection Practices Act ( FDC PA ). I here dispute the validity of the alleged debt entirely and chain of title. I also request verification of the alleged debts, specifically, a copy of the ORIGINAL PURCHASE AGREEMENT. Agreement must be with the original creditor and signed. I need the forward flow agreement and chain of assignment. I need the Bill of sale, referencing the purchase agreement. 12 CFR Part 1006 - Fair Debt Collection Practices Act ( Regulation F ). As a result of BULLCITY FINANCIAL SOL violations of Federal Debt Collection Practices Act ( FDCPA ), violation of Florida Consumer Collection Practices Act ( FCCPA ), violation of Fair Credit Reporting Act ( CFRA ), defamation of character, FRAUD and misrepresentation, XXXX XXXX suffered damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Foris DAX, Inc.
State: FL

Complaint narrative:
I purchased crypto assets from Crypto.com totaling {$2000.00}. Shortly after, I attempted to withdraw the assets to an external wallet, which Ive used previously. The app flagged each wallet as fraudulent and blocked all transfers. Crypto.com later informed me that my account had been restricted from external transfers due to internal policy. However, I was not informed of this limitation prior to the purchase.

As a result, I was forced to sell the assets at a loss and withdraw only {$1800.00}, losing nearly {$200.00}. Crypto.com refuses to issue a refund and defends the restriction under its Terms and Conditions. I believe this practice is deceptive and caused preventable financial harm. I am requesting an investigation and full refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: NY

Complaint narrative:
This civil case was discontinued by the plaintiff.

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 2025-04-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( XXXX XXXX XXXXXXXX ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-04-05 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: NV

Complaint narrative:
I ordered a riding lawnmower online from Home Depot approximately XX/XX/year>. I received the riding lawnmower on XX/XX/year>. Home Depot refuses to remove crate. There are no instructions. Home Depot stated just have a couple male friends over and they will know what to do. REALLY. They did not know what to do and could believe Home Depot refuses to remove it. Nobody so far knows how to remove it. I can not use it. Home Depot can remove the crate or issue me a credit of {$2200.00}

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 2025-04-05 00:00:00
Product: Mortgage — FHA 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: Ocwen Financial Corporation
State: AZ

Complaint narrative:
The loan was transferred to another agency in XXXX. I made payments to prior mortgage company before & during XXXX. The previous agency informed me that the by document payments forwarded to current agency. I send the money bi-weekly based on payroll & it makes it easier. In May I up the amount my bill pay process through my credit union to help make the payments apply in full by actual due date. I did make an error with my payments upon finding out the current company was the new agency, so I had my credit union stop payments that was going to original agency so that I can send to current agency. I also, updated the bill pay via my credit union to the new agency to continue the paying process of every two weeks. With that update I forgot to put back on " auto-pay. '' Upon finding that out I corrected that & sent the current agency those payments. They in XXXX claimed that I am two months behind. Since, XXXX  I have sent them proof via my credit union of payments history that has been sent to them & the original agency & today I had to again. Upon me adding up the payments they have been sent, it is totaling me not been behind & a bit ahead, because I send them any extra money I have. The have done " investigation, '' yet no seem to view the documents that I have from my credit union proving the payments are aligned to where I should be at this time of payments needed.

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 2025-04-05 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: MI

Complaint narrative:
I XXXX XXXX, am a victim of XXXX XXXX, request removal and deletion of the listed fraudulent accounts on my credit report. XXXX XXXX XXXX  Account number XXXX Open date : XXXX XXXX XXXX. XXXX  XXXX XXXX Account number : XXXX Open date : XX/XX/XXXX XXXX. 
XXXX XXXX XXXX Account XXXX Open date : XXXX XXXX XXXX XXXX  Account XXXX Open date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX Open date : XXXX XXXX XXXX XXXX XXXX Account XXXX Open date : XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX Open date : XXXX XXXX XXXX XXXX  XXXX  Open date : XXXX XXXX XXXX XXXX XXXX Open XXXX : XXXX XXXX XXXX XXXX XXXX Open date : XXXX XXXX XXXX XXXX XXXX Open date : XXXX XXXX XXXX XXXX XXXX Open date : XXXX XXXX XXXX XXXX  XXXX Open date : 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 2025-04-05 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: MI

Complaint narrative:
I XXXX XXXX, am a victim of XXXX XXXX, request removal and deletion of the listed fraudulent accounts on my credit report. XXXX XXXX XXXX  Account number XXXX Open date : XXXX XXXX XXXX. XXXX  XXXX XXXX Account number : XXXX Open date : XX/XX/XXXX XXXX. 
XXXX XXXX XXXX Account XXXX Open date : XXXX XXXX XXXX XXXX  Account XXXX Open date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX Open date : XXXX XXXX XXXX XXXX XXXX Account XXXX Open date : XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX Open date : XXXX XXXX XXXX XXXX  XXXX  Open date : XXXX XXXX XXXX XXXX XXXX Open XXXX : XXXX XXXX XXXX XXXX XXXX Open date : XXXX XXXX XXXX XXXX XXXX Open date : XXXX XXXX XXXX XXXX XXXX Open date : XXXX XXXX XXXX XXXX  XXXX Open date : 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 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I reached put to transunion on XX/XX/XXXX. My first concerns were I was unable to access my Transunion account with no recognizable reason. 

I was informed on XX/XX/XXXX that the account would be fixed and access would be back. On XX/XX/XXXX I contacted Transunion as my account was still not fixed. I asked for a paper copy, or email copy be sent to me so I can access my report. I am undergoing credit repair currently. I have been able to fix my other 2 credit resports with the other bureaus. With no problems.

I was informed it can take up to 7 days for the report to be mailed, or emailed. I asked for it to be sent still. Well, as life catches up with all of us. I was distracted and still strepting credit repair. On XX/XX/XXXX I again attempted access to my transunion account. I can login but just states generic error codes. I contacted Transunion support with hopes of getting it corrected. Through some very troublesome calls with little to no customer satisfaction I realized that my account was a lost cause and seemed no one wanted to assist and figure the issue out. I spoke to management still no luck. I asked the supervisor to please provide me a copy of my report either via email or certified mail. I waited a few days and called back. I spoke with the technical team this time around. I was informed by the technical team that the issue would be resolved in 24 hours. 48 hours passed still no access to my report and attempts to receive my report are declined.

I feel as though my attempts to rectify my account were met with uneducated, no willingness to help, disregarded. In the past year my account could have been next to my current XXXX and XXXX accounts. But due to negligent support reps. I am still in the same bind I was a year ago with transunion. 

During the call on XX/XX/XXXX I asked to file a dispute over the phone as Statue of limitations vary state to state. I was informed by the transunion rep that they wouldn't file my dispute as the Statue of limitations doesn't meet the requirements. I am fully aware of federal regulations and I know my state allows 5 years on Vehicle loans and not the typical 7 years. With that being said, I was denied fixing my report. I was denied access to my report causing further damage to my financials. All in all this is unacceptable. I have filed with BBB and all they wanted was proof of who I was mailed to New York ... That's unacceptable.

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 2025-04-05 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: MI

Complaint narrative:
I XXXX XXXX, am a victim of Identity theft, request removal and deletion of the listed fraudulent accounts on my credit report. 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 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 2025-04-05 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: MI

Complaint narrative:
I XXXX XXXX, am a victim of Identity theft, request removal and deletion of the listed fraudulent accounts on my credit report. 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 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 non-monetary relief
Consumer complaint received 2025-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I emailed resurgent debt to contact me via mail and yet they continue to email, text and call. This isnt okay I have asked multiple times to be mailed this so called debt from them and still have yet to receive it.

Company response to consumer: Closed with non-monetary relief