vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Momnt Technologies, Inc.
State: NJ

Complaint narrative:
This is not a duplicate complaint. This complaint concerns Momnt Technologies LLCs failure to follow through on its public commitment to resolve a disputed medical loan, as documented in its response to CFPB Complaint # XXXX. While the original issue involved deceptive marketing and billing related to a neuropathy treatment program, this complaint addresses the companys lack of good-faith participation in the CFPB complaint process. In particular, it concerns the lenders failure to follow through on its public commitment to resolve a disputed loan issued on XX/XX/year>. The issues surrounding the disputed loan are detailed in Momnts response to the original complaint # XXXX. All prior documentation, lender responses, and follow-up comments are on record under that case and should be reviewed in connection with this submission. 


In its public response to Complaint # XXXX, Momnt stated it was committed to working directly with XXXX XXXX to understand and address her dispute. However, no outreach, follow-up, or communication ever occurred. The company has remained silent, despite acknowledging serious concerns involving deceptive marketing and billing practices tied to the loan. 


This lack of engagement reflects a pattern of noncompliance. As previously documented, Momnt : Refused to escalate the dispute beyond customer service; Failed to provide documentation referenced in its prior denial ; Directed the consumer back to the merchant, despite being bound by Section 21 of its own loan agreement and the FTC Holder Rule ( 16 C.F.R. 433.2 ), which requires lenders to accept claims and defenses arising from the sellers conduct.

Momnts continued inaction may violate : CFPB complaint-handling expectations, which require creditors to conduct good-faith reviews and provide meaningful responses ; UDAAP standards, which prohibit unfair, deceptive, or abusive acts or practices ; The FTC Holder Rule, which ensures consumers can assert seller-based claims directly against creditors.

We respectfully request that the CFPB investigate whether Momnts complaint-handling procedures and dispute resolution practices comply with applicable consumer protection laws and regulations.

All supporting documentation and prior complaint history remain available through CFPB Complaint # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: TX

Complaint narrative:
This letter is to follow up my dispute of a data breach affecting the integrity of my personal data reported on my Equifax credit report. The account in question is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} Date Opened : XX/XX/XXXXXXXX  Date of Last Activity : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXXXXXX  Date of Last Activity : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: FL

Complaint narrative:
I am filing this complaint due to multiple unauthorized hard inquiries that have been made on my credit report without my knowledge, consent, or permissible purpose, as required by the Fair Credit Reporting Act ( FCRA ). 

Under FCRA Section 604 ( 15 U.S.C. 1681b ), a hard inquiry may only be made if there is a legitimate permissible purpose, such as a credit application that I explicitly authorized. I have not applied for credit or authorized any of the following companies to access my credit report : These inquiries were not initiated or approved by me in any capacity. I have contacted the credit reporting agency ( [ Experian/Equifax/TransUnion ] ) to dispute these inquiries and demand their removal. However, no satisfactory resolution has been provided. 

The continued reporting of these inquiries without proof of authorization is a violation of my rights as a consumer under the FCRA and potentially opens these companies and the credit bureaus to civil liability. Hard inquiries can lower my credit score and affect my ability to obtain credit therefore, this is not a trivial issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: NC

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
In XX/XX/XXXXXXXX  I disputed the validity of my TD Auto Finance account and continued sending dispute letters through XX/XX/XXXX. TD Auto Finance / TD Bank, N.A. repossessed my vehicle in California on or about XXXX [ day ], XXXX  at approximately XXXXXXXX XXXX. I verbally objected, but the repossession agent proceeded anyway, constituting a breach of peace under California Commercial Code 9609 and UCC 9-609. 

Since that repossession, TD Bank has failed to provide me with any legally required notices. To the best of my knowledge and records : I never received a pre-sale notice of my right to redeem or reinstate. 

I never received a post-sale notice of the date, time, location, or outcome of any auction or sale. 

I never received an inventory of personal property from inside my vehicle within the required 48-hour period.

I was never informed of the identity or license number of the repossession company that took the vehicle. 

On XX/XX/XXXX, I mailed a certified demand letter to TD Bank requesting repossession notices, sale documentation, the repo agencys identity and license, a personal property inventory, a full account history, copies of all notices with proof of mailing and credit reporting data. TD Bank has not responded within the 14-day deadline or at all. 

TD Bank continues to report the account as derogatory to all three credit bureaus without marking it as disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: FL

Complaint narrative:
This is not a duplicate complaint. I am submitting new evidence, including the original creditor ledger, that shows Experian and TransUnion are both reporting inaccurate late payments on a paid-in-full account. 

The account in question was with XXXX XXXX XXXX, opened in XX/XX/XXXXXXXX  and paid in full on XX/XX/XXXX. 

Both TransUnion and Experian are falsely reporting the following : XXXX XXXX 30 days late XXXX XXXX 60 days late XXXX XXXX  90 days late XXXX XXXX  120 days late These are factually and legally inaccurate. I obtained the original ledger from XXXX XXXX XXXX which shows : XX/XX/XXXXXXXX  Forgiveness credit of {$66.00} XX/XX/XXXXXXXX  Forgiveness credit of {$66.00} XX/XX/XXXXXXXX  {$390.00} payment made These credits match my monthly payment amount. Under federal law and guidance, forgiveness credits fulfill the payment obligation and should not be treated as missed payments. 

Legal Reference : Under the FCRA 623 ( a ) ( 1 ) ( A ), data furnishers must not report information they know or should know is inaccurate.

XXXX XXXX XXXX credited the account in XXXX and XXXX, which means I was not past due. Reporting 30120 day delinquencies for that period is false and damaging to my reputation and way of living. 


Additionally, the account was opened in XX/XX/XXXX. 
The way that its being reported is displaying as if it was opened in XX/XX/XXXX which is inaccurate. 

I am requesting the following : Immediate correction of the inaccurate late marks from XXXX to XX/XX/XXXX Updated reporting to show accurate payment status Written confirmation of the correction Attachments included : Official payment ledger from XXXX XXXX XXXX ( highlighted ) Screenshot of TransUnions inaccurate report Screenshot of Experians payment history

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: MD

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: MD

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Consumer Legal Group, P.C.
State: OK

Complaint narrative:
I entered into a debt consolidation program, committing to monthly payments with the expectation that the program would facilitate debt settlement, improve my financial situation, and enhance my creditworthiness. Unfortunately, the company failed to honor their obligations, neglecting to take any concrete actions towards settling my debts, while deceptively using my funds for two years. Consequently, my debts remain unsettled, and I am still facing the same financial challenges two years later, with the added disappointment of having paid for a service that was never provided. Consumer Legal Group

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
I pulled a copy of my consumer report and noticed some accounts that I dont recognize and are a result of identity theft. 

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 XXXX XXXX XXXX XXXX XXXX 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 2025-09-11 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: EQUIFAX, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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:
Remove these false accounts within 15 days as dictated by USC 1681g.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: SC

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: FL

Complaint narrative:
This is not a duplicate complaint. I am submitting new evidence, including the original creditor ledger, that shows Experian and TransUnion are both reporting inaccurate late payments on a paid-in-full account. 

The account in question was with XXXX XXXX XXXX, opened in XX/XX/XXXXXXXX  and paid in full on XX/XX/XXXX. 

Both TransUnion and Experian are falsely reporting the following : XXXX XXXX 30 days late XXXX XXXX 60 days late XXXX XXXX  90 days late XXXX XXXX  120 days late These are factually and legally inaccurate. I obtained the original ledger from XXXX XXXX XXXX which shows : XX/XX/XXXXXXXX  Forgiveness credit of {$66.00} XX/XX/XXXXXXXX  Forgiveness credit of {$66.00} XX/XX/XXXXXXXX  {$390.00} payment made These credits match my monthly payment amount. Under federal law and guidance, forgiveness credits fulfill the payment obligation and should not be treated as missed payments. 

Legal Reference : Under the FCRA 623 ( a ) ( 1 ) ( A ), data furnishers must not report information they know or should know is inaccurate.

XXXX XXXX XXXX credited the account in XXXX and XXXX, which means I was not past due. Reporting 30120 day delinquencies for that period is false and damaging to my reputation and way of living. 


Additionally, the account was opened in XX/XX/XXXX. 
The way that its being reported is displaying as if it was opened in XX/XX/XXXX which is inaccurate. 

I am requesting the following : Immediate correction of the inaccurate late marks from XXXX to XX/XX/XXXX Updated reporting to show accurate payment status Written confirmation of the correction Attachments included : Official payment ledger from XXXX XXXX XXXX ( highlighted ) Screenshot of TransUnions inaccurate report Screenshot of Experians payment history

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Debt Management Incorporated
State: OK

Complaint narrative:
This company ( XXXX XXXX XXXX ) has been doing this to me for YEARS. I have asked them for a debt validation letter, which they say they will send, but NEVER DO. They quit calling when I file complaints, and then start up again anytime I attempt to do anything with my credit ( most recently buying a camper ). They pretend they are calling from an attorney 's office, say I am going to be sued, and arrested. Call my FAMILY giving away PID, call my XXXX dad, who then harasses me and my mother ( whom he has pulled a XXXX on in the past ). 

This needs to stop. I do not owe them anything. I do not know this company, nor do I have any debts with them. 

I have a recording of their illegal activities. 

" Processes office regarding file number XXXX, we are contacting you due to a complaint that has been forwarded for a legal filing, including a lawsuit with the court. To discuss these pending actions that may be filed against you, contact the firm directly handling your file immediately at XXXX, press 1 now to be connected to the firm handling your case. XXXX This is a time sensitive matter for you. If they do not receive a response, they will be forced to proceed without your participation. XXXX ''

Company response to consumer: Untimely response
Consumer complaint received 2025-09-11 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: IN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$7800.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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