vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: TAYLOR MORRISON HOME FUNDING, INC.
State: AZ

Complaint narrative:
I am filing a complaint against Taylor Morrison Home Funding regarding deceptive lending practices, lack of disclosure, and the reduction of contractually agreed seller incentives during the mortgage process for my new construction home. 

From XXXX through XX/XX/year>, I repeatedly requested a zero-point loan, both via email and in discussions with my loan officer, XXXX XXXX XXXX On XX/XX/XXXX, I was quoted a 6.625 % rate, which XXXX explicitly described in writing as a XXXX cost option. However, it was later revealed that this rate actually included {$1500.00} in discount points, and by the time I learned the truth, the rate had already been locked without proper explanation or consent. At that point, I was misled into thinking I had no alternative and reluctantly moved forward under pressure. This is a clear case of misrepresentation and failure to disclose under the Truth in Lending Act ( TILA ). 

Furthermore, my signed purchase agreement from Taylor Morrison promised a 3 % seller incentive, but only 2 % was applied. Their explanation was that my property was treated as an investment property, and per XXXX XXXX XXXX guidelines , seller contributions are capped at 2 %. However : I was never informed that my loan was being classified as investment, nor that this would reduce my seller credit. 

Taylor Morrisons own promotional materials stated I must pay a 10 % deposit for investment purchases, which I did, but nowhere did it state that the 3 % incentive would be reduced to 2 %. 

Their reduction of my seller incentive without written explanation and without disclosing material consequences tied to the loan classification is highly misleading and potentially a violation of RESPA disclosure requirements. 

Total damages : {$1500.00} in undisclosed discount points ~ {$5800.00} loss from 1 % missing seller incentive Emotional distress, time loss, and confusion as a first-time homebuyer I attempted to resolve this directly by submitting two formal written complaints to their compliance team ( latest on XX/XX/XXXX ), with full documentation and deadlines, but I have not received a fair or substantive response. 

I am requesting CFPB investigation into : Misrepresentation of loan costs and rate terms Lack of proper disclosure regarding investment property treatment Failure to honor the agreed 3 % seller incentive Attachments include email records, the signed purchase agreement, internal builder documents, and a timeline summary.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: MD

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Experian data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
THIS LATE PAYMENT IS DUE TO AN ERROR BY THE DEALERSHIP WAS HAS FINANCING RELATIONSHIP WITH WELLSFARGO. I HAVE ATTACHED A COPY OF TWO DIFFERENT CONTRACTS THE DEALERSHIP CREATED. THERE WAS AN OBVIOUS ERROR BY THE DEALER FOR THEM TO REWRITE THE CONTRACT AND THEY MADE IT EVEN WORSE. THE SECOND CONTRACT DATED XX/XX/year> DOES NOT HAVE MY XXXX  , HAS FALSE EMAIL ADDRESS ( XXXX. THIS IS NOT MY EMAIL ) AND DOES NOT HAVE MY PHONE # INCLUDED ON THE CONTRACT. PLEASE SEE THE DATE LISTED AT THE BOTTOM OF EACH CONTRACT. PLEASE REMOVE THE LATE PAYMENT ASAP. I HAD MORE THAN ENOUGH FUNDS TO COVER MY MONTHLY OBLIGATION AND CAN PROVIDE PROOF IF NEEDED. PLEASE REMOVE THIS ERRONEOUS LATE PAYMENT FROM MY CREDIT. THANK YOU,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX  Balance {$11000.00} Open Date XX/XX/XXXX XXXX XXXX  XXXX  Balance {$890.00} Open Date XXXX XXXX, XXXX Inquiries XXXX XXXX XXXX  XXXX XX/XX/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 2025-05-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: OR

Complaint narrative:
My loan status has not been updated since XX/XX/year>. My loans were forgiven over a year ago. Aidvantage has a responsibility to erase this from my credit report now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: AL

Complaint narrative:
My name is XXXX XXXX .. XXXX XXXX XX/XX/XXXX .. address is XXXX XXXX XXXX XXXX XXXX, AL XXXX. I am a victim of identity theft due to the XXXX Data Breach. The following are fraudulent hard inquiries that I do not recognize and are not factual and should not remain on my credit report. 

XXXX XX/XX/XXXX XXXX CARD 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 explanation
Consumer complaint received 2025-05-01 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: TX

Complaint narrative:
I AM WRITING TO FORMALLY REQUEST THE BLOCKING AND REMOVAL OF FRAUDULENT ACCOUNTS, INFORMATION, AND INQUIRIES FROM MY CREDIT REPORT UNDER THE FAIR CREDIT REPORTING ACT, 15 U.S.C 1681C-2. I RECENTLY DISCOVERED THAT I HAVE BEEN A VICTIM OF IDENTITY THEFT, AND UNAUTHORIZED ACCOUNTS AND OR INQUIRIES HAVE BEEN REPORTED IN MY NAME. THOSE INQUIRIES INCLUDED BUT NOT LIMITED TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PLEASE PROCESS MY REQUEST PROMPTLY IN COMPLIANCE WITH FCRA 15 U.S.C 1681C-2. I EXPECT CONFIRMATION OF THE BLOCKED INFORMATION WITHIN 4 BUSINESS DAYS AS REQUIRED BY LAW. ANYTHING MORE THAN THAT IS A VIOLATION OF MY RIGHTS AND ARE SUBJECT TO FURTHER LEGAL ACTION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I AM WRITING TO FORMALLY REQUEST THE BLOCKING AND REMOVAL OF FRAUDULENT ACCOUNTS, INFORMATION, AND INQUIRIES FROM MY CREDIT REPORT UNDER THE FAIR CREDIT REPORTING ACT, 15 U.S.C 1681C-2. I RECENTLY DISCOVERED THAT I HAVE BEEN A VICTIM OF IDENTITY THEFT, AND UNAUTHORIZED ACCOUNTS AND OR INQUIRIES HAVE BEEN REPORTED IN MY NAME. THOSE INQUIRIES INCLUDED BUT NOT LIMITED TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PLEASE PROCESS MY REQUEST PROMPTLY IN COMPLIANCE WITH FCRA 15 U.S.C 1681C-2. I EXPECT CONFIRMATION OF THE BLOCKED INFORMATION WITHIN 4 BUSINESS DAYS AS REQUIRED BY LAW. ANYTHING MORE THAN THAT IS A VIOLATION OF MY RIGHTS AND ARE SUBJECT TO FURTHER 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 2025-05-01 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: OK

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-01 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-05-01 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: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Early Warning Services, LLC
State: ID

Complaint narrative:
Zelle  owes my XXXX XXXX account XXXX worth of transfers someone used their service and stole my money from my bank account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-01 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Apple Card / XXXX  XXXX restricted my wallet without any reason what so ever. Trusted apple user for 10+ years Called up and they gave me no reason as to why i was permanently banned. Seems like its a growing issue that happens to many users. They dont let you give any insight as to why. Called stayed on phone for hours. I use XXXX  XXXX  to send a receive money and it is making my business very difficult as it was a trusted and easy way of making transactions. Please CFPB fix this my legal first and last name is XXXX XXXX XXXX XXXX : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: TOYOTA MOTOR CREDIT CORPORATION
State: IL

Complaint narrative:
Toyota motor credit corp XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX On my record as of XXXX auto loan inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
I, XXXX XXXX XXXX and XXXX XXXX, XXXX submit the following complaint regarding a vehicle finance and title-related dispute involving Credit Acceptance Corporation and XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX  ) XXXX We respectfully submit this complaint for investigation under the applicable federal and state consumer protection laws. 

On XX/XX/XXXX, we financed a XXXX XXXX XXXX XXXX ( VIN : XXXX ) through Credit Acceptance Corporation. A {$5500.00} down payment was made to XXXX XXXX XXXX. While we believed the vehicle was properly registered in XXXX, we later learned that the title was rerouted to XXXXwithout our consentand registration was never valid due to unpaid taxes and improper processing. 

We discovered the registration issue when attempting renewal on XX/XX/XXXX. We contacted the dealerships title agent, XXXX XXXX XXXX, and received contradictory information. The XXXX DMV confirmed the vehicle has a tax-exempt flag and can not be registered. The XXXX DMV confirmed no paperwork had been submitted. 

Credit Acceptance never disclosed XXXX  title requirements at signing. If XXXX  titling was a lender stipulation, it should have been disclosed and agreed to in writing. This constitutes a material contract alteration without consent. 
I also called credit Acceptance on XX/XX/XXXX, and customer service rep by the name of XXXX told me he was transferring me to Titles Department, and I spoke with XXXX and explained the issue with her. I was told by XXXX that a claim was opened and XXXX the Title Specialist would be giving me a call back within 2 days, I did ask if it could be sooner since the vehicle, we have does not have valid tags on it. I was told she was not sure she would try and escalate the call. To date we have not received a call from anyone at Credit Acceptance. Also back in XXXX of XXXX I requested and audit of our payment account and a printout because the amount it was showing we owed was not correct. The account was adjusted but we never received an actual copy of the audit or reimbursement for late fees. 

This complaint is submitted concurrently to : - Federal Trade Commission ( FTC ) - XXXX  Attorney General - XXXX  Department of Financial Protection and Innovation ( DFPI ) - XXXX DMV Dealer Board and Attorney General

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 monetary relief
Consumer complaint received 2025-05-01 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of Engelhardt v Gravens ( mo ) 281 SW715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of Engelhardt v Gravens ( mo ) 281 SW715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) 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 2025-05-01 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: GA

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. 

XXXX XXXX XXXX # XXXX XX/XX/2020 -- {$10000.00} XXXX XXXX XXXX # XXXX XX/XX/2020 -- {$20000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Recovery Management Solutions LLC
State: FL

Complaint narrative:
Calling family about a debt and releasing information about the debt to family

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: OH

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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