vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
BMO Harris Advertised that if you open a Business Account and maintain a balance of {$10000.00} dollars for 90 days they would pay you a promotional fee of {$500.00} dollars. The Bank is now trying to renege on that Ad by saying they will look at it in XX/XX/2023 which is well beyond the 90 days advertised. To me this is Misleading and Deceptive. Here is the Ad : Open any BMO business checking account, have at least 10 electronic transactions post to the account within 90 days of opening and receive : {$500.00} cash bonus When you maintain a balance of {$10000.00} or more for 90 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 monetary relief
Consumer complaint received 2022-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Sectuon 2 States a consumer reporting agency can furnish a account without my written instruction.

15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Colony Brands, Inc.
State: MN

Complaint narrative:
XXXX XXXX : A company going by the name of " XXXX '' and " XXXX XXXX '' began sending me invoice statements for products or services that I did not order. This account is fraudulent. I have never ordered anything from this company, nor has any member of my family ordered anything from this company. The company 's address is listed as XXXX XXXX XXXX, XXXX, WI XXXX. 

XX/XX/2022 : The company " XXXX XXXX '' sent a notice threatening to turn the account over to a collection agency if the invoice wasn't paid. 

XXXX XXXX XXXX : I discovered the company XXXX XXXX XXXX XXXX information about this fraudulent account to my local credit bureau. I discovered this when I applied for an auto loan to purchase my wife 's car. Because of the damage to my credit rating caused by this fraudulent report, I was unable to secure auto loan financing. 

XX/XX/2022 : Called the number on the XXXX XXXX invoice and the company refused to close the account. The representative said to file a report with the FTC. 

XX/XX/2022 : The company XXXX XXXX sent another invoice to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: TN

Complaint narrative:
I called my Federal Student Loan servicer XXXX  concerning the loan. I explained to them my loan was showing paid off for the last 4 years than all of sudden reappeared. It showed in good standing and paid as agree on the credit bureaus ' reports. They are also saying my student loans doesn't qualify for the federal forgiveness program when they are federal loans. I need someone to check into this situation because something isn't right.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
None of the information concerning any public record is correct with this credit report bureau. The record on file is not mine and Experian refuses to correct it.

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 2022-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax has violated my rights red handed and LIED shamelessly to the CFPB on a previous closed case in which they gave an answer they did not honor. This is a violation of my rights with civil fund penalties now needed per violation. I must be compensated for this by law sec 1681 and others state this black and white. this is also perjury. 

I will be showing this to the appropriate offices until compensation and accurate deletion is finished. I will not stop so keep closing these and I will escalate higher each time. 

Ive attached the closed response XX/XX/22 stating items were deleted and they lied only to avoid a open CFPB complaint they must response to. The credit report from today XX/XX/22 clearly shows they did not do it as stated and by law. 

ONY COMPENSATION PLUS DELETION WILL SUFFICE AT THIS TIME! 

XXXX old case showing violations XXXX THIS IS A NEW CASE AS WELL TO FIX SAME ISSUES.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act DEPT OF ED/XXXX Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act DEPT OF ED/XXXX  Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX, XXXXXXXX XXXX XXXXXXXX Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX  Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX, XXXX. 
Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX. 
Account XXXX XXXX, has violated my rights. 


In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number XXXX, has violated my rights. 


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.

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 2022-12-12 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act DEPT OF ED/XXXX Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act DEPT OF EDXXXX Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX, XXXXXXXX XXXX XXXXXXXX Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX  Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX, XXXX. 
Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX, XXXX. 
Account XXXX XXXX, has violated my rights. 


In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number XXXX, has violated my rights. 


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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NH

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. And they have violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I do not give Equifax written permission to furnish these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX  Balance {$2500.00} Balance updated XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX Balance {$2300.00} Balance updated XX/XX/2022 XXXX XXXX XXXX XXXX XXXX Balance {$3400.00} Balance updated XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I was leasing a XXXX in 2020. We returned the XXXX on XX/XX/XXXX, ahead of our deadline of XX/XX/XXXX. Later, we received notification in the mail from Ally Financial of late fees assessed against us for late return of the XXXX. On XX/XX/XXXX, I spoke on the phone with an Ally representative and explained that they wrongfully assessed late fees, and they explained I needed to provide proof. I provided proof via email the same day on XX/XX/XXXX and received no response. I followed up again on XX/XX/XXXX and again on XX/XX/XXXX with proof of our having returned the jeep on time, and received no answer from Ally. Eventually, I was contacted by debt collectors and my credit score suffered from derogatory marks ( Date unknown ). My husband spent hours on the phone with Ally financial on XX/XX/XXXX trying to get this issue resolved, and they said to call back later to follow up on this issue, but they would remove the charges and have this resolved. Later, my husband followed up and I found out that they had cancelled the outstanding balance but failed to go back and correct the historically inaccurate information which is still negatively affecting my credit score. I had warned them if this issue was not resolved I would be filing a complaint with the CFPB. I have already spent hours on the phone getting transferred from Ally rep to Ally rep and would prefer to avoid suffering through that process again.

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 2022-12-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: ID

Complaint narrative:
i have contacted jefferson capital syst for a debt validation letter so many times but they did not provide it to me. then i received a letter from another third party named XXXX XXXX who said to be representing this same debt. i requested for debt validation again but none was sent to me. this matter is confusing as this looks suspicious. different companies contacting me that they are representing another third party company. i do not recognize any of this so i am asking them to stop contacting and delete this off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: PENTAGON FEDERAL CREDIT UNION
State: MO

Complaint narrative:
I, the consumer, and natural person, was denied a car loan by PenFed Credit Union, In violation of 12 CFR Part 1002.

Adverse action against a consumer is AGAINST THE LAW according to 12 CFR Part 1002 of the Equal Opportunity Act. In which Regulation B protects applicants from discrimination in any aspect of a credit transaction and aspects of credit transactions include the following : Consumer credit, Business credit, Mortgage loans Refinancing, Open-end credit, Credit applications, Standards of creditworthiness, Denial of credit, Servicing and collection and Revocation, alteration, or termination of credit 15 U.S. Code 1602 ( g ), The term creditor refers only to a person who regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement in more than four installments. 

15 U.S. Code 1602 ( l ), The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Furthermore, because PenFed as access to my social security number, described as a credit card. I received no benefit in denying me the loan, this is proof of fraudulent activity i.e., unauthorized use. 

12 U.S. Code 1431 - Powers and duties of banks, stipulate PenFed Credit Union can ONLY borrow, and is using my social security number to create credits to fund the loan. 15 U.S. Code 1611, PenFed is willfully and knowing violation in denial of my own credit.

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 2022-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
None of the information concerning any public record is correct with this credit report bureau. The record on file is not mine and XXXX refuses to correct it.

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 2022-12-12 00:00:00
Product: Credit reporting, credit repair services, 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: TX

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. 

XXXX XXXX XXXX  : # XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : # XXXX, has violated my rights. 

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 2022-12-12 00:00:00
Product: Credit reporting, credit repair services, 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: TX

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX, has violated my rights. 

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 explanation
Consumer complaint received 2022-12-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: NE

Complaint narrative:
I've been paying on my Navient loans for 10 years and stopped paying them as my balance due is more than what I borrowed. I need assistance with dealing with them because no one will help. They were supposed to send me what I borrowed and what I owed and I have not received anything in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Transunion have placed a extended fraud alert on my credit report and I have sent a register letter proving a request for the extended fraud alert to be removed and they requesting me and forcing me to give them my private information and I am under duress I was not able to get a mortgage because they delaying the removal and I had went to the XXXX because they causing me XXXX I will take legal action in Supreme Court because they do not want to remove the extended fraud alert that is placed innacurate in my credit report and without my consent.

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 2022-12-12 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXX. 
Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX. 
Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 

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

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 2022-12-12 00:00:00
Product: Credit reporting, credit repair services, 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: OH

Complaint narrative:
ON XXXX I received a notice that a new inquiry was on my report. After viewing my credit report I noticed there are multiple inquiries that I did not authorize. I contact Transunion, but their customer service would not help and refused to take care of the negative inquiries reporting to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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