vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-13 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:
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. 


FRAUDULENT ACCOUNTS : Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/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 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 2025-03-13 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: TN

Complaint narrative:
This letter serves as a formal and aggressive demand for the immediate removal of an ILLEGALLY REPORTED CHARGE-OFF REPOSSESSION on my credit report related to XXXX. This account has been wrongfully reported, and I will take legal action if it is not removed within 30 days as required by the Fair Credit Reporting Act ( FCRA ). 

VIOLATIONS COMMITTED : 1. ILLEGAL DOUBLE REPORTING & COLLECTION ATTEMPT A charge-off means the debt has been written off by the creditor. It is illegal for XXXX to report or attempt to collect again after it has been charged off. Reporting this as a repossession AND a charge-off is an intentional act of fraud. 
2. FAILURE TO PROVIDE NOTICE I never received a legally required written notice after the charge-off was recorded, which is a direct violation of FCRA laws.

3. FTC COMPLAINT FILED I have already reported this violation to the Federal Trade Commission ( FTC ) for deceptive and illegal reporting practices. 

REQUIRED ACTION : IMMEDIATE REMOVAL of this account from my Equifax and Experian credit reports. 
A written confirmation of this removal within 30 days to avoid further legal action. 
Failure to comply will result in escalation to the CFPB, state Attorney General, and a formal lawsuit for willful violation of the FCRA. 

I expect immediate action. I will not hesitate to pursue my full legal rights, including statutory damages of up to {$1000.00} per violation plus attorneys fees. 

You have 30 days to remove this fraudulent charge-off repossession from my credit reports, or I will take the next legal step.

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 2025-03-13 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: Servicer under contract with Federal Student Aid
State: NY

Complaint narrative:
To Whom It May Concern, I am writing to formally request an investigation into reports that XXXX XXXX or entities associated with him have accessed student loan data without authorization, violating federal privacy laws and borrower rights. This unauthorized access raises serious concerns regarding data security, borrower protections, and potential misuse of sensitive financial information. 

Under federal laws such as the Family Educational Rights and Privacy Act ( FERPA ) and the Fair Credit Reporting Act ( FCRA ), student loan borrowers have a fundamental right to privacy regarding their financial and personal data. Unauthorized access, use, or disclosure of this information constitutes a severe breach of privacy and regulatory compliance. 

Given the potential scale and impact of this violation, I urge the Consumer Financial Protection Bureau to take the following actions : 1. Investigate whether XXXX XXXX or any affiliated entities have unlawfully accessed student loan data. 
2. Determine if student borrowers rights under federal law have been violated and identify responsible parties.

3. Implement enforcement actions against those involved and strengthen protections for borrowers.

4. Cancel any student loan debt associated with accounts that have been subject to unauthorized access, as this constitutes a fundamental breach of borrower security and trust. 

If borrowers privacy has been compromised due to unauthorized access, debt cancellation is a necessary remedy to mitigate the harm caused by this violation. I request that the CFPB work with relevant federal agencies to ensure that impacted borrowers receive full relief, including the immediate cancellation of affected loans. 

Please advise on any steps I or other concerned borrowers can take to protect our data, seek legal remedies, and ensure accountability. I appreciate your prompt attention to this matter and look forward to your response. You may contact me at [ Your Email ] or [ Your Phone Number ] if additional information is required. 

Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-03-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Lewis, McDonnell & Associates
State: IN

Complaint narrative:
The past few occasions I have gotten calls from a XXXX XXXX  XXXX XXXX. I looked into the company its a shell for McDonnell & associates and as XXXX XXXX XXXX. 

On XX/XX/2025 -Hi this message is for XXXX XXXX this is XXXX XXXX with XXXX XXXX  XXXX XXXX I have an urgent matter that requires your immediate attention please contact me as soon as possible at XXXX once again that's XXXX this is time sensitive thank you I'll talk to you soon On XX/XX/XXXX - Hi XXXX XXXX this is XXXX XXXX with XXXX XXXX  XXXX XXXX I am reaching out again as we still haven't received a response from you I am contacting your references to ensure you receiving these messages as this matter is urgent and needs to be addressed immediately please call me back today at XXXX I called on XX/XX/2025 at XXXX ; seeing whos calling and why. Left no personal information saying they were taking action on a judgement on me ( they never sued or sent papers to me ) on a debt they won? 

The lady on the phone stated that I was to pay this debt or Id be in judgment status

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 8.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 2025-03-13 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: GA

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. 


FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX  - XX/XX/year> 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 2025-03-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2025-03-13 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2025-03-13 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: 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. 


FRAUDULENT ACCOUNTS : Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX  XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX - XX/XX/year> XXXX XXXX - XX/XX/year> 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 2025-03-13 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: MS

Complaint narrative:
I have entered multiple disputes with Experian for incorrect reporting that they state they found to be valid yet they refuse to show me or tell me the method they used to validate the inaccuracies on my credit report which is illegal.

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 2025-03-13 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX Experian Dispute Department po box XXXX XXXX, TX XXXX Subject : Formal Dispute Illegal Re-Aging & Inaccurate Reporting of SELF Secured Personal Loan Account To Whom It May Concern, I am formally disputing the inaccurate and unlawful reporting of my XXXX  Secured Personal Loan account on my Experian credit report. This account was charged off in XX/XX/XXXX, yet it has been illegally re-aged multiple times, with additional derogatory remarks being added post-charge-off, in direct violation of the Fair Credit Reporting Act ( FCRA ). 

Here is a breakdown of Experians blatant mishandling of this account : XX/XX/XXXX : Initial charge-off reported. 
XX/XX/XXXX : A second charge-off status was added ( impossible and illegal ). 
XX/XX/XXXX : A 150 days past due status was added to an already twice-charged-off account ( which is not only inaccurate but fraudulent ). 

Let me be clear : a charge-off means no further payments are due, and a creditor can not continue reporting additional late payments or new charge-off statuses. This is a clear violation of 15 U.S. Code 1681s-2 ( FCRA ), which prohibits furnishers from reporting inaccurate or misleading information. Additionally, this conduct constitutes unfair and deceptive trade practices under 15 U.S. Code 45 ( FTC Act ).

Experian has already investigated this account multiple times, yet you have failed to correct this clear violation of my rights. Your failure to conduct a reasonable and thorough investigation, as required under 15 U.S. Code 1681i, has caused irreparable damage to my credit profile, affecting my ability to secure financial opportunities. The time and effort I have spent correcting this reckless inaccuracy is beyond repair. 

Given Experians ongoing litigation for mishandling consumer data, I demand immediate deletion of this account from my credit file. Failure to comply within 30 days will result in legal action against Experian for willful noncompliance under 15 U.S. Code 1681n, where I will seek statutory, actual, and punitive damages for the harm caused to my credit and reputation. 

This is my final notice. I expect written confirmation of deletion. If not, I will escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney Generals office for further legal action. 

Attached, you will find a copy of my credit report highlighting the disputed account and supporting documentation. 

Sincerely, XXXX XXXX XXXX, trustee [ Attachments : Credit Report Excerpt, Supporting Documents ]

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 2025-03-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX Dispute Department po box XXXX XXXX, TX XXXX Subject : Formal Dispute Illegal Re-Aging & Inaccurate Reporting of XXXX  Secured Personal Loan Account To Whom It May Concern, I am formally disputing the inaccurate and unlawful reporting of my XXXX  Secured Personal Loan account on my XXXX credit report. This account was charged off in XX/XX/XXXX, yet it has been illegally re-aged multiple times, with additional derogatory remarks being added post-charge-off, in direct violation of the Fair Credit Reporting Act ( FCRA ). 

Here is a breakdown of XXXX  blatant mishandling of this account : XX/XX/XXXX : Initial charge-off reported. 
XX/XX/XXXX : A second charge-off status was added ( impossible and illegal ). 
XX/XX/XXXX : A 150 days past due status was added to an already twice-charged-off account ( which is not only inaccurate but fraudulent ). 

Let me be clear : a charge-off means no further payments are due, and a creditor can not continue reporting additional late payments or new charge-off statuses. This is a clear violation of 15 U.S. Code 1681s-2 ( FCRA ), which prohibits furnishers from reporting inaccurate or misleading information. Additionally, this conduct constitutes unfair and deceptive trade practices under 15 U.S. Code 45 ( FTC Act ). 

XXXX has already investigated this account multiple times, yet you have failed to correct this clear violation of my rights. Your failure to conduct a reasonable and thorough investigation, as required under 15 U.S. Code 1681i, has caused irreparable damage to my credit profile, affecting my ability to secure financial opportunities. The time and effort I have spent correcting this reckless inaccuracy is beyond repair. 

Given XXXX  ongoing litigation for mishandling consumer data, I demand immediate deletion of this account from my credit file. Failure to comply within 30 days will result in legal action against XXXX for willful noncompliance under 15 U.S. Code 1681n, where I will seek statutory, actual, and punitive damages for the harm caused to my credit and reputation. 

This is my final notice. I expect written confirmation of deletion. If not, I will escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney Generals office for further legal action. 

Attached, you will find a copy of my credit report highlighting the disputed account and supporting documentation. 

Sincerely, XXXX XXXX XXXX, trustee [ Attachments : Credit Report Excerpt, Supporting Documents ]

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