vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc.
State: NY

Complaint narrative:
My credit limit was raised from {$2500.00} to {$3500.00} for my Kikoff XXXX Account in XX/XX/2024. I submitted disputes to XXXX, and have been calling them directly to update the Kikoff XXXX Account with all of the correct information. I have also called " Kikoff Lending, '' so many times that I can't even count the total number. I have submitted documents to XXXX and Kikoff Lending, but each company says that it's the other company 's fault. In XXXX 's credit report dated XX/XX/2024, the " historical Account Information '' XXXX shows the correct information for XX/XX/2024, but in XX/XX/2024 the information was changed back to what's listed for XX/XX/2024, in the XX/XX/2024 box showing " last payment made '' XXXX reports it as " XX/XX/2024, '' but for XX/XX/2024 they ( XXXX ) inserted, verbatim as " last payment made as XX/XX/2024. '' XXXX literally inserted information as if for XX/XX/2024 we went back in time and posted XX/XX/2024 's information. I have tried over and over again to have this account reported correctly, but to no avail. I am fighting XXXX and Kikoff Lending to fix this, and have been lied to and given the run-around. Neither company seems to want to take responsibility for this account 's correct reporting. XXXX has hung up on me several times, and Kikoff Lending doesn't seem to be doing anything about it. This is unlawful, and possibly " credit report manipulation '' is taking place.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Collections added to my credit report for account I did not open

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. Please see attached file for these items I am complaining.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. Please see attached file for these items I am complaining.

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 2024-07-05 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: PA

Complaint narrative:
On XX/XX/XXXX XXXX I was viewing my consumer report and its relationship between I and the consumer reporting agencies. During my investigation I realized that my consumer report still has the same inaccurate information that's being reported on my consumer report on a monthly basis. I was never notified by Equifax, XXXX or XXXX that they are assembling and evaluating my consumer credit and other information about me. According to the FAIR CREDIT REPORTING ACT ( FCRA ) consumer reporting agencies are obligated to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated by the three reporting agencies when they assumed this role.They were not given express permission by me, the consumer or a competent court of jurisdiction to issue an order stating that the three major reporting agencies are obligated to report such information. According to 15 usc1681c ( a ) ( 4 ) ( 5 ) no consumer reporting agency may make any consumer report containing accounts placed for collections or charged to profit and loss or any other adverse item of information. Also according to the FCRA a consumer reporting agency shall not prepare or furnish an investigative consumer report on a consumer that contains information that is adverse to the interest of the consumer and that the information that is being obtained is through a personal interview with a neighbor, friend or associate of the consumer or with another person with whom the consumer is acquainted or who has knowledge of such item of information.So, not only did they fail in the initial investigation of this information, they also assumed this role, and assumed this information was valid which is a violation of my consumer XXXXights.They did not insure that this information is accurate and you did not exercise your grave responsibility with fairness and impartiality.They took one side of the story and never consulted with me or people that is close to me or that had knowledge of this information to find out if those transaction even took place. As a result of this my privacy has been breached and identity theft has been committed by the three reporting agencies which is a violation of my right to privacy.This mishap that the consumer reporting agencies have caused ruined my reputation and it has adversely affected my credit worthiness to extend credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 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: TX

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had 5 late payments on an account that I was on fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments I've attached a copy of my report to this compliant on the following dates XX/XX/year> I'm now requesting you investigate this account and update these payments to paid on the immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-05 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: NC

Complaint narrative:
XXXX XXXX XXXX ( XX/XX/XXXX ) sold account to another lender without my consent or knowledge, the closed account owed is {$0.00}. Remove account from report. 

XXXX XXXX XXXX ( XX/XX/XXXX ) this closed account has been paid in full and still reporting derogatory remarks. {$0.00} balance. Remove from report. 

XXXX XXXX XXXX  ( XX/XX/XXXX ) this closed account has been paid in full and still reporting derogatory remarks. {$0.00} balance. Remove from report. 

XXXX XXXX XXXX XX/XX/XXXX. this closed account has been paid in full and still reporting derogatory remarks. {$0.00} balance. Remove from report. 

XXXX XXXX  ( XX/XX/XXXX ) this has been closed, transferred. {$0.00}. Remove from report. 

XXXX XXXX XXXX. this closed account has been paid in full and still reporting derogatory remarks. {$0.00} balance. Remove from report. 

XXXX this closed account has been paid in full and still reporting derogatory remarks. {$0.00} balance. Remove from report. 

XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) this closed account has been paid in full and still reporting derogatory remarks. {$0.00} balance. Remove from report. 

XXXX ( XX/XX/XXXX ) this closed account has been paid in full and still reporting derogatory remarks. {$0.00} balance. Remove from report.

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 2024-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed inquiries I didn't consent to and personal information I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I never consented to these inquiries and did not provide written consent to report them List all inquiries : Here is the personal information that I never consented to or provided written consent to report : List all personal information want deleted :. 
Please investigate and provide proof with statements showing that I authorized or consented to these inquiries or personal information and proof that I authorized the reporting of this information. If proof can not be provided I demand these inquiries and personal information be deleted. 
Adjust accordingly if there is no inquiries or personal information to be deleted "

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 2024-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XX/XX/XXXX - notice unable access credit file on their myequifax.com. Tried to do pre-approval to purchase home and they were unable to get info. I contacted Equifax and they tried to get me access. Requested I fax info, info faxed, and I have email stating issue resolved. Issue was still unresolved. I went back and forth for a while and decided to wait on the home buying. 
I started again in XXXX and still can't access my file. They requested a mail info. I sent info on XX/XX/XXXX, using priority mail and they received it on XX/XX/XXXX. I called on XX/XX/XXXX and they asked that I call back on XX/XX/XXXX. They are still not showing it was received yet and told me to resend info. 
I have been dealing with this for over a year and feel it is not fair that I don't have access to my credit file even with the XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2024-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX Date : XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Against XXXX XXXXXXXX To Whom It May Concern : I am writing to file a formal complaint against XXXX  XXXX regarding their failure to remove debts included in my federal bankruptcy from my credit report. According to the Fair Credit Reporting Act ( FCRA ), specifically Section 605 ( a ) ( 1 ), and the automatic stay provisions under Section 362 ( a ) of the United States Bankruptcy Code, debts discharged in bankruptcy should no longer be reported as active debts. Furthermore, any attempts to report or collect these debts are prohibited immediately upon filing for bankruptcy. 

Despite my previous attempts to resolve this issue directly with XXXX XXXX, the incorrect reporting of these debts remains on my credit report. This debt is still being reported to all three credit reporting agencies, and most notably, Experian has continued to show the balance, late payments, and the debt to date. 

I request the CFPB 's assistance in resolving this matter promptly. XXXX XXXX must comply with federal law by updating my credit report to accurately reflect the discharge of these debts in bankruptcy. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX of Birth : XXXX  Last four of social : 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 2024-07-05 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: AR

Complaint narrative:
I filed for bankruptcy in XXXXXXXX XXXX XXXX. There were 5 credit cards total. I was never late on any of the payments. The credit bureaus show 4 30 day late payments and 4 60 day late payments. They have been disputed several times and not removed. I filed before the payments were due. Please have them by law on each bureau remove all 4 30 and 60 day late payments. Its seems one of the credit card companies did this in spite, due to the bankruptcy, which is illegal by law. XXXX should know better and has done nothing to remove them when requested several times.

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 2024-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Someone has used my identity to purchase a car loan, a XXXX, in my name for $ XXXX do not own a XXXX nor XXXX registered for a loan in my name as I currently own a XXXX XXXXXXXX XXXX that is fully paid off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 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: TX

Complaint narrative:
On XX/XX/year> XXXXXXXX XXXX XXXX XXXXXXXX made a hard credit inquiry on my credit files. I got a credit alert from XXXX alerting me that an inquiry had been made. I checked my credit report on XX/XX/year> and identified that the Company making the inquiry was XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX  XXXX, Oregon. I called the company and advised them that i had not applied for any credit card or other services with their financial organization. The person answering the phone acted as if he did not know what I was talking about. I then went on-line with Transunion Credit reporting and advised the Chat Bot that I needed the inquiry to be removed from my credit report. I was advised that I couldnot email any thing to stop this action. I was told to mail a letter to XXXX XXXX XXXX XXXX disputing the inquiry. I mailed a letter today to both entities disputing this inquiry. This evening I received an email from XXXX stating that I had applied for a credit card ... I didnot,,, which I replied to them in my email.

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 2024-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2024-07-05 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: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so, they didn't follow the proper procedure in notating my dispute of the account, which is a direct violation of 15 USC 1692e ( 8 ), which makes this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. 

I demand this company to delete this account from all 3 credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney who has advised me that the fact that they didnt notate my account on my credit report as consumer disputes as a violation that I am able to sue them under.

Company response to consumer: Closed with explanation