vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX  Living above the noise XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX TransUnion LLC Consumer Dispute Center XXXX XXXXXXXX XXXX XXXXXXXX. PA XXXX Subject : Request for Assistance in Resolving XXXX XXXX  ( Debt Bondage ) Case I hope this message finds you well. I am reaching out on behalf of a federal award recipient authorized by the U.S. Department of Health and Human Services ' Office on Trafficking in Persons ( please see the attached Confirmation of Authorization ). XXXX XXXX XXXX has confirmed that XXXX XXXX is a victim of a severe form of XXXX  under 22 U.S.C. {$7100.00} ( XXXX ) or XXXX XXXX under 22 U.S.C. {$7100.00} ( 12 ). As such, they are eligible for the blocking of certain adverse credit information in accordance with 12 C.F.R.

1022.142 ( see attached rule ). 
XXXX XXXXXXXX XXXX is committed to advocating for the rights and well-being of individuals affected by XXXX XXXX  and debt bondage. We have come across XXXX XXXX case, which we believe warrants your attention and expertise. 
In our etforts to support victims and work with stakeholders to combat XXXX XXXX we have identified an issue with XXXX XXXX credit report that includes an outstanding debt potentially related to debt bondage. This debt raises both ethical and legal concerns due to possible fraudulent or coercive practices that have resulted in an unjust financial obligation We kindly request your assistance in blocking and removing any negative accounts associated with XXXX XXXX credit profile. 
Thank you for your attention to this matter. We look forward to collaborating on this important issue. 
Please feel tree to reach out to me at any time. 
Warm Regards, 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 2025-06-09 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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sentry Credit, Inc.
State: KY

Complaint narrative:
This is to formally state that I previously rented from XXXX XXXX, during which time all rental obligations were fulfilled in full and the property was vacated in good standing. There were no outstanding balances or issues noted at the time of move-out, which occurred on XX/XX/year>. 

However, a debt has since been reported by a third-party collection agency, allegedly on behalf of XXXX XXXX XXXX which surfaced approximately 2 years after my tenancy ended. This debt is being reported as unpaid rent or fees, which I dispute as inaccurate and unsubstantiated. 

Since becoming aware of this claim, I have made multiple attempts to contact XXXX XXXX to request clarification and resolution, including speaking with office staff and requesting to speak with management. Unfortunately, these attempts have not resulted in any clear explanation or rectification of the issue. 

I am requesting that this matter be thoroughly reviewed and resolved, as it does not reflect the facts of my tenancy or payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: MD

Complaint narrative:
I have paid for MYFICO score for over the last two years as I prepare to purchase a new home. Although my 7, 8, and 9 credit scores continue to increase ad change as I pay loans off and maintain a less than 30 % utilization of any credit card, my credit score for the 4, 5, and 6 credit modules have remained the same score for over the last year. How is this possible?

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 2025-06-09 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: MD

Complaint narrative:
I have paid for MYFICO score for over the last two years as I prepare to purchase a new home. Although my 7, 8, and 9 credit scores continue to increase ad change as I pay loans off and maintain a less than 30 % utilization of any credit card, my credit score for the 4, 5, and 6 credit modules have remained the same score for over the last year. How is this possible?

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 2025-06-09 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 any 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: MN

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX XXXX. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: RoundPoint Mortgage Servicing LLC
State: FL

Complaint narrative:
I submitted a payment on XX/XX/XXXX of XXXX on a payment that was XXXX. I then on XX/XX/XXXX submitted a payment of XXXX. I was told that XXXX was applied to principle only. I then made another payment of XXXX on XX/XX/XXXX and the same thing happened again. I then made another payment of XXXX on XX/XX/XXXX This again sent XXXX to principle only. On XX/XX/XXXX I made another payment of XXXX and this was held until my next payment of XX/XX/XXXX thinking I was caught up on my payments but this created a late payment again of 40 days. 

I was unable to remove PMI from my home for XXXX full year because of this and now unable to get favorable terms on a new loan as this hit my credit report. 

I called and asked to have this reviewed on XX/XX/XXXX and they returned with an unfavorable response on XXXX. 

Also the terms the company that acquired my loan has are not the same terms that I had agreed to in the documentation I signed for my home loan. 

Also looking at the principal balance between XX/XX/XXXX and XX/XX/XXXX My balance changed by {$8900.00}. Between that same time frame there were payments and specifically principle only payments of {$9300.00}. This in not including the payments to principle we made during that same time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: MA

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which violates FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request proper resolution. 
Unauthorized inquiries to be removed : XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
Used my Truist Bank debit card on XX/XX/XXXX, at XXXX XXXX XXXX XXXX XXXX to withdraw {$140.00}. Machine took my card, returned card without receipt, and screen advised with arrow to take case. Cash door opened and no money was in drawer. Called XXXX XXXX next business day and they confirmed their XXXX transactions were over in the amount of my requested withdrawal, and that they had video coverage. Advised I call Truist Bank as it was their responsibility to credit my account and then receive the money from XXXX. Filed a claim with Truist on XX/XX/XXXX, it was cancelled on XX/XX/XXXX, and then reopened. Have made 17 calls, spoke to 9 different people. Same answer every time : matter is being investigated. Asked to speak to investigator and was denied access. Last callXX/XX/XXXX, to XXXX XXXX, Manager of XXXX XXXX XXXX XXXX of Truist Bank. Advised " still being investigated '' and he would call me with update on XX/XX/XXXX. One month is far too long to wait for such an easy transaction to return funds to my account. PLEASE HELP. 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 non-monetary relief
Consumer complaint received 2025-06-09 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:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

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 2025-06-09 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-06-09 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: CA

Complaint narrative:
I have been made aware that due to a recent data breach, my personal information was used to open fraudulent accounts. Pursuant to Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$7700.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$1900.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: CA

Complaint narrative:
I have been made aware that due to a recent data breach, my personal information was used to open fraudulent accounts. Pursuant to Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$7700.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$1900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: NY

Complaint narrative:
I checked my credit profile and seen some inquiries that do not belong 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 2025-06-09 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: TX

Complaint narrative:
This letter serves as notice that my credit report has fraudulent accounts due to a data breach.

Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$8400.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} 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 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 non-monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: MS SERVICES LLC
State: WY

Complaint narrative:
I contacted the company MS Services in XX/XX/year>, requesting to make a {$20.00} payment over the phone, as I had done previously ( the same amount ) in XXXX XXXX, XX/XX/XXXX ', XX/XX/XXXX ', XXXX XXXX. I had never had an issue prior to completing payment over phone. XXXX XXXX I was connected to someone named XXXX at the company, who stated they are now refusing to accept the {$20.00} payment over the phone and to make it online or send it in the mail. Caught off guard, I challenged this and stated I had been able to do so several months prior and did not understand the change. * * Note, the online portal only accepts a {$50.00} min payment. * * XXXX informed me there was no reason as to why they would no longer accept the payment over the phone, and it must be mailed. I complied, and mailed a check XXXX XXXX. While on the phone with XXXX, I told him I was unable to mail it and would like to be able to pay the {$20.00} as a had normally, attempting to resolve the debt one payment at a time in good faith. XXXX stated " it is not my debt, it does not affect me, I don't care if you make a payment or not. '' I felt this statement was very targeted and arbitrary. On XX/XX/year>, I mailed a letter via USPS Certified Mail with Return Receipt of Signature upon Delivery to XXXX XXXX, requesting written confirmation regarding the debt, and upon receiving that written information via mail, I would remit the full remaining balance. Today is XX/XX/XXXXXXXX XXXX XXXX and I have yet to receive a response. I received a phone call on XX/XX/year> from XXXX at MS Services, and when he confirmed his identity, I hung up. I have made it explicit to them I refuse to speak to XXXX over the phone. They are demanding I get items to them via the mail, and I would assume the same from them, particularly after receiving my letter. After the disrespectful language and unwillingness to work with me in reasonable ways to resolve the debt ( prior accepted payment methods, no response to written communications, etc. ), I am submitting this complaint and request for assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: WI

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: VA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation