vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: NV

Complaint narrative:
This student loan account is being reported incorrectly and has been unlawfully re-aged. Under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681c ( a ) ), negative accounts can only remain on a credit report for 7 years from the date of first delinquency ( DOFD ). However, this loan has been re-aged by changing the delinquency date, making it appear newer than it actually is.

Additionally, this loan may have been forgiven under the XXXX XXXX to XXXX XXXX, but the servicer has failed to update the status correctly. 

I am requesting the following : Immediate correction of the delinquency date to reflect the original Date of First Delinquency.

Removal of this account from my credit report if it has exceeded the 7-year reporting period. 
Proper reporting if this loan has been forgiven under XXXX XXXX. 
Please investigate and correct this in compliance with the FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
I did not know I owed this debt. I had called Portfolio XXXX XX/XX/XXXX when I notice a garnishment being taken out of my check, 22 % of my check. The garnishment total is {$840.00}. I told them I want to dispute this claim due to it was in XXXX and I was unaware of this debt. When I called them they had my address of when I used to live with my now ex husband, 16 years ago. The lady I talked to was rude and said I should have checked my credit report! I had to call my work HR to get copy of the court judgment cause I didnt know what was going on. Upon reading the judgment date it was in XX/XX/XXXX. And then was date and signed again on XX/XX/XXXX. I have never received any dept letters for this claim from Portfolio XXXX. The lady I talked to from Portfolio XXXX said she had no info of who made payments and that the last payment was in store for this credit card in XXXX before they received this collection. 
It has been XXXX weeks from XX/XX/XXXX that I had asked Portfolio XXXX to send me a dispute claim form so I can fill out and I have not received any paperwork as of today XX/XX/XXXX. 
Please help.this is not my debt Im making a claim because the first time Portfolio XXXX did this to me last year on a debt that was XXXX XXXX XXXX and I had asked to dispute it and never received any paperwork at all!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: FL

Complaint narrative:
I Reviewed my consumer report and noticed that i had 1 late payment on an account that I was never late for consuming reporting agencies have assumed a vital role and have a responsability to report consumer information to the best of thier liability with maximun acuracy. I have never been late on payment OF the account # XXXX from XXXX XXXX. Please invenstigate and provide proof wirh statement showing that this payment were late. If proof can't be provided I demand these payments be update to on time as they should be as I was NEVER late. 
Eventhought this account was payeed totaly. 
Thanks!

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 2025-02-16 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: GA

Complaint narrative:
I received a copy of my credit report and found the following item ( s ) to be in error : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My social was stolen and used to apply for a 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 2025-02-16 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: MD

Complaint narrative:
Complaint Summary : On XX/XX/year>, I obtained my credit report from Experian, which contains multiple violations of the Fair Credit Reporting Act ( FCRA ) and Metro 2 Compliance Standards. Experian is unlawfully reporting charge-off accounts with an active past-due balance, violating 15 U.S.C. 1681s-2 ( b ), 1681e ( b ), and Metro 2 guidelines.

Experian failed to ensure maximum possible accuracy and is reporting inconsistent and misleading data, negatively impacting my credit score.

FCRA and Metro 2 Violations in My Credit Report : 1. Charge-Offs with an Active Past-Due Balance ( FCRA & Metro 2 Violation ) Experian is incorrectly reporting charged-off accounts with a past-due balance.

FCRA Violation 15 U.S.C. 1681e ( b ) : Credit reporting agencies must ensure " maximum possible accuracy. '' A charged-off account can not also report a past-due balance, as it has already been written off.

Metro 2 Violation : The past-due field must be reported as {$0.00} once charged off, per Metro 2 CDIA guidelines .

2. Failure to Investigate and Correct Inaccurate Data ( FCRA Violation 15 U.S.C. 1681i ( a ) ) I previously disputed these inaccuracies, but Experian failed to delete the false reporting within 30 days, as required by law.

FCRA Violation 15 U.S.C. 1681s-2 ( b ) : The furnisher ( Experian ) is legally obligated to reinvestigate and correct any inaccurate or unverifiable information.

CFPBs Recent Lawsuit Against Experian has already established that Experian fails to conduct reasonable investigations into consumer disputes.

3. Improper Reporting Practices Impacting My Creditworthiness By reporting both a charge-off and a past-due balance, Experian is artificially inflating the negative impact on my credit. 
This is a form of double jeopardy reporting, misleading creditors and harming my ability to obtain credit fairly.

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 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX  HAS MY ACCOUNT AS LATE XXXX  2024 AND XXXX  2024 ON MY TRANSUNION REPORT... AND XXXX  AND XXXX  ON MY EXPERIAN REPORT. NO REPORT AT ALL ON THE EQUIFAX REPORT.  WHICH WAS ASSURED THAT THE COMPANY REPORT TO ALL THREE REOPTING AGENCIES. I'VE BEEN FIGHTING THIS SINCE XXXX.2024.NEVER BEEN LATE IN 2024. NO ONE WOULD TOUCH ME FOR A REFINACE BECAUSE OF THIS!

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 2025-02-16 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: GA

Complaint narrative:
I just got my credit report and noticed some hard inquiries don't have permissible purpose according to 15 USC 1681b. I also attached a copy of my credit report. Can you please investigate these hard inquiries XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  XXXX XXXX ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX  ( Miscellaneous ) XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Auto XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Miscellaneous ) XX/XX/XXXXXXXX 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 2025-02-16 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: OK

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S. G 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 2025-02-16 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: GA

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
15 USC1681 section 6028. States I have the right to privacy. And according to 15 USC1681EB they are supposed to ensure this whenever a consumer reporting agency prepare a consumer report. It shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 USC1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Another adverse item of information, other than the records of convictions of crimes which antedates the report by more than seven years.15 USC 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 2025-02-16 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: MO

Complaint narrative:
I purchased a vehicle on XX/XX/year> and specifically told the dealership they were NOT to run my credit themselves or submit it to any other lenders as I already had a pre approval from XXXX XXXX for XXXX percent interest for 60 months. While waiting at the dealership, I started receiving email alerts that my credit was being pulled by not only the dealership, but by multiple other lenders. When I questioned the finance manager he lied and said I didnt qualify for XXXX percent interest so he submitted it to other lenders. This was a lie, to try and get me to take a loan with an interest rate, so they could make more money. I purchased the car and was approved by XXXX XXXX for XXXX percent interest. This was a direct violation of the FCRA, as I implicitly told them they did not have permission to run my credit themselves or to submit it to any other lender than XXXX XXXX. I was told they would send letters to the credit bureaus to have the inquirys removed, but 3 months later they still remain. I was recently denied credit for the XXXX XXXX with a XXXX FICO score due to the number of recent inquiries. These inquiries all placed by this dealership and the lenders they use, all without my permission.

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 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX5 U.S.C, 1681section 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 an 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 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 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX5 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: NV

Complaint narrative:
Bankruptcy are incorrect as well as inquiries. They are giving a negative impact on my 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 non-monetary relief
Consumer complaint received 2025-02-16 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: FL

Complaint narrative:
I Reviewed my consumer report and noticed that i had XXXX late payment on an account that I was never late for consuming reporting agencies have assumed a vital role and have a responsability to report consumer information to the best of thier liability with maximun acuracy. I have never been late on payment fot the account # XXXX from XXXX XXXX. Please investigate and provide proof with statement showing that this payment were late. If proof can't be provided I demand these payments be update to on time as they should be as I was NEVER late.

Eventhought this account was payeed totaly.

Thanks!

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 2025-02-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: MCMC Auto LTD
State: TX

Complaint narrative:
The finance company diverted all or part of my car payments without notification for what they call their insurance to protect their interest. Whereas they have the right to protect their.interst it is against the law to divert funds from my payments. I found out about it when on XXXX they sent me a text stating that I was behind on my XXXX payment. 
XXXX on the XXXX I made my payment and on the XXXX of XXXX I made my XXXX payment. I was forced to borrow another {$700.00} to make my XXXX payment again so I got hold of my spred sheets and found the following. 
XXXX they diverted {$120.00} for insurance XXXX they diverted {$150.00} XXXX they diverted {$150.00} XXXX they diverted {$150.00} XXXX they applied {$130.00} to my payment for my XXXX payment XXXX they diverted {$150.00} XXXX they diverted {$150.00} they have done this 21 times total. I have 8 payments left. and I know they will come up with some reason to reposes the vehicle have documents have documentation to prove all this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY 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 2025-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I disputed this account with Transunion and it was investigated improperly

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 2025-02-16 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: OH

Complaint narrative:
In accordance with Fair Credit Reporting Act. The list accounts below has violated me federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX. I have the right to privacy. 
XXXX XXXX XXXX : # XXXX. I have the right to privacy. 

15 U.S.C. 1681 Section 602 A, states I have the rights to privacy 15 U.S.C. 1681 Section 604 A, states a consumer reporting agency can not furnish an 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, s of information. Any other adverse item of the information, other than records of convictions and crimes which antedates the report by 7 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 he person knows or has reasonable cause to believe that the information is accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 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 Fair Credit Reporting Act. The list accounts below has violated me federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX. I have the right to privacy. 
XXXX XXXX XXXX : # XXXX. I have the right to privacy. 

15 U.S.C. 1681 Section 602 A, states I have the rights to privacy 15 U.S.C. 1681 Section 604 A, states a consumer reporting agency can not furnish an 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, s of information. Any other adverse item of the information, other than records of convictions and crimes which antedates the report by 7 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 he person knows or has reasonable cause to believe that the information is accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My information was affected by the XXXX XXXX XXXX XXXXXXXX XXXX  XXXX  in 2024. I have been affected by transunion, Experian and Equifax.

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