vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XX/XX/year>, I funded a BMO Alto online savings account with {$240000.00}. A fee weeks later, I found another online savings account that paid a higher interest rate. I transferred {$150000.00} from the account back to the XXXX account. A few days later when I attempted to log in to BMO alto account, I was locked out due to fraud trigger. They requested documentation which I emailed right away. A week later, I am still locked out. I have called daily and they keep telling me the documents are under review. They refuse to provide me further information and are keeping me from accessing my money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: DISCOVER BANK
State: GA

Complaint narrative:
Company Information ( Furnisher of Disputed Information ) Company Name : Discover Bank Credit Reporting Agencies Involved : XXXX, XXXX, XXXX Details of the Complaint I am filing this complaint regarding inaccurate, misleading, and unverifiable information reported on my credit file by Discover Bank and the credit reporting agencies ( XXXX XXXX XXXX XXXX XXXX. The account in question is a charged-off account XXXX XXXX XXXX  that is improperly affecting my credit profile and violates multiple federal consumer protection laws. 
1. Fair Credit Reporting Act ( FCRA ) Violations ( 15 U.S.C. 1681 et seq. ) - Failure to Maintain Accuracy ( FCRA 1681e ( b ) ) - Failure to Properly Investigate ( FCRA 1681s-2 ( b ) ) - Unauthorized Furnishing of Consumer Report Information ( 15 U.S.C. 1681b, Section 604 ( a ) ( 2 ) ) 2. Truth in Lending Act ( TILA ) Violation ( 15 U.S.C. 1666b ) - Billing disputes must be resolved within two billing cycles ( not exceeding 90 days ). 
- This charge-off has remained on my credit report well beyond the legally allowed timeframe. 
3. IRS & Treasury Regulation Violation ( 26 CFR 1.6050P-1 ) - When a creditor cancels a debt of {$600.00} or more, they must issue a 1099-C Cancellation of Debt form.

- If this charge-off was reported as a loss for tax purposes, it must be removed from my credit report.

4. Gramm-Leach-Bliley Act ( GLBA ) Violations ( 15 U.S.C. 6801-6804 ) - Failure to Protect Consumer Financial Privacy ( 15 U.S.C. 6801 ).

- Improper Disclosure of Personal Information ( 15 U.S.C. 6802 ).

- Failure to Provide a Privacy Notice ( 15 U.S.C. 6803 ).

5. FTC Holder Rule Violations ( 16 CFR 433.2 & 16 CFR 433.3 ) - Preservation of Consumer Defenses ( 16 CFR 433.2 ) prohibits lenders from enforcing payment of a disputed debt. 
- Unfair and Deceptive Collection Practices ( 16 CFR 433.3 ) misrepresenting the legal status of a debt.

6. Privacy Act of 1974 Violation ( 5 U.S.C. 552a ) - Unauthorized sharing of consumer financial records. 
- Failure to demonstrate a valid, legal reason for retaining this data after dispute. 
XXXX XXXX XXXX XXXX XXXX XXXX Violations - Failure to correct these errors after a dispute suggests non-compliance with dispute verification requirements. 
8. Misrepresentation of Debt Status ( FDCPA 807 ) - A charge-off is a Certificate of Indebtedness, meaning it must be removed. 
- The continued reporting of this charge-off is deceptive and misleading.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: NY

Complaint narrative:
I have recently noticed that my credit report contains incorrect personal information, which has led to the appearance of these unknown and inaccurate accounts. As a victim of identity theft, my personal information was used fraudulently, and now I am seeing accounts on my report that I have no connection to. Following TransUnion 's guidance, I filed an FTC Identity Theft Report and submitted it along with all necessary documentation. Despite these efforts, these fraudulent accounts remain on my report, which is completely unacceptable. 

Additionally, I am also submitting this complaint regarding an inaccurate and unauthorized collection account being reported on my credit file by TransUnion. I had previously requested that the debt collector responsible for this account cease all communications with me, as outlined in the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), which legally requires debt collectors to stop all forms of contact upon receiving a cease-and-desist request. However, despite this, the debt collector continues to report the account to the credit bureaus, which is a direct violation of my rights and is negatively affecting my credit score and financial stability. Furthermore, this reporting violates the Fair Credit Reporting Act ( FCRA ) as the information is inaccurate and remains on my credit report even after my formal dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: NY

Complaint narrative:
credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I submitted a dispute with Experian regarding items on my report as of XX/XX/2025. The company did not thoroughly investigate the claims and provided me with a decline to resolve notification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Inaccurate information being displayed without even having proper written consent from myself to retrieve as well as display my personal information, also inaccurate information due to data breach

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: GA

Complaint narrative:
I am seeking help to investigate accounts from companies that are inaccurately reporting late payments. Upon reviewing my credit report, I noticed incorrect late payment marks on certain accounts. These accounts should not have any late payment remarks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Governmental Entities ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security. 
I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My academic records and personally identifiable information ( PII ). 
2. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information.

3. My IRS tax transcripts, which were obtained and used without proper authorization. 
These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: NY

Complaint narrative:
The unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the XXXX Department of Education ( DOE ) and the Department of Governmental Entities ( XXXX ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( XXXX ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security. 
I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : XXXX. My academic records and personally identifiable information ( PII ). 
XXXX. My Free Application for XXXX XXXX XXXX ( XXXX ) data, including financial aid history and loan information. 
XXXX. My IRS tax transcripts, which were obtained and used without proper authorization. 
These actions violate my rights under XXXX ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as XXXX XXXX of the XXXX XXXX XXXX, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: EQUIFAX, INC.
State: NY

Complaint narrative:
The unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the XXXX Department of Education ( DOE ) and the Department of Governmental Entities ( XXXX ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( XXXX ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security. 
I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : XXXX. My academic records and personally identifiable information ( PII ). 
XXXX. My XXXX XXXX for XXXX XXXX XXXX ( XXXX ) data, including financial aid history and loan information. 
XXXX. My IRS tax transcripts, which were obtained and used without proper authorization. 
These actions violate my rights under XXXX ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as XXXX XXXX of the XXXX XXXX XXXX, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: Experian Information Solutions Inc.
State: VA

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 2025-02-11 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: VA

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 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Momnt Technologies, Inc.
State: NY

Complaint narrative:
I have been receiving debt collection notification letters, emails and phone calls from MOMNT ( debt collection agency ), address po box XXXX, XXXX XXXX, IL XXXX, phone number ( XXXX ) XXXX, starting in XX/XX/XXXX. The information provided indicated that I was responsible for a loan payment. I have never taken out a loan from XXXXXXXX XXXX or any other bank. The loan was obtained fraudulently in my name by XXXX XXXX XXXX. I visited XXXX XXXX XXXX in XX/XX/XXXX in XXXX XXXX, NY. Any treatment provided was submitted to my health insurance company and paid for in full by my health insurance. Without my knowledge, a loan was taken out in my name by XXXX XXXX XXXX, I never agreed to or consented to any type of loan or financing. I have been receiving collection letters from Momnt since XX/XX/XXXX. This fraudulent loan has also been reported to a credit reporting agency ( XXXX ). When I ran my credit report it listed payments on the loan from XX/XX/XXXX, however, I have never made payments for this loan. I have called Momnt with no resolution regarding this matter. I have written and emailed Momnt asking them to rectify this situation immediately. As I was doing my research I noted the same thing happened to other patients who visited XXXX XXXX XXXX with similar complaints as mine filed on the XXXX XXXX XXXX XXXX XXXX  ) website. I filed a complaint with the XXXX ( letter attached ) and they indicated that the business was closed. This has happened to several other patients as noted on the below link from the XXXX 
https : XXXX I also had to dispute this loan with XXXX and included a statement on my credit report indicating that the loan was obtained fraudulently in my name. I have spoken to and emailed Momnt with no resolution to this matter. They are continuing to contact me persistently without offering resolution. I reached out to XXXX XXXX  the Lender as well and pending a response. I have also filed a complaint with the XXXX XXXX XXXX Attorney 's office in NY. 

XXXX XXXX is located in the state of Virginia, Customer Care Center at XXXX. 

This seems to be a large scale scam. Also, many patients have gone back to XXXX XXXX XXXX to complain and there is note on the door that they are out of business. A lot of patients have no recourse due the scam perpetrated by XXXX XXXX XXXX. 

Attached documents include : Consumer Loan statement from MOMNT for a loan amount of {$6000.00} XXXX  complaint and response Initial letter sent to MOMNT on XX/XX/XXXX Email correspondence with MOMNT

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Kindly dispute the bankruptcy that appears on my credit report, I'm writing. I have a court letter stating to the fact that this bankruptcy should not to be published. This situation gets worse by the involvement of an unauthorized third party.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: Experian Information Solutions Inc.
State: WA

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 explanation
Consumer complaint received 2025-02-11 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: WA

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 2025-02-11 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: Nelnet, Inc.
State: FL

Complaint narrative:
am writing to formally file a complaint under the Family Educational Rights and Privacy Act ( FERPA ) regarding the unauthorized access to my personally identifiable information by XXXX XXXX and his employees through the Department of Education 's databases On or around XX/XX/year>, I became aware that individuals associated with XXXX XXXX, who are r school officials nor authorized representatives, accessed databases that include my personal educatio without my knowledge or consent. I am aware that usage of database is monitored, recorded and/or s audit. I did not provide any authorization for such access, and I believe this constitutes a violation of FERPA nights.

To my understanding, the Department of Education is required to safeguard students ' personal records and only grant access to authorized parties under FERPA guidelines. The unauthorized access by private individuals or corporate representatives is a serious breach of these protections. 

I respectfully request that your office investigate this matter and take appropriate action to ensure my personal information remains protected.

Company response to consumer: Closed with explanation